Palmdale Insurance Rates:

Palmdale, CA homeowners insurance is nearly $508 to $687, about $42-$57/month. Our detailed research reveals consumers can save as much as $238 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Different Ways to Reduce your Home Insurance in Palmdale, CA

The average cost of home insurance in Palmdale, California, is $690. Insurance is a type of danger management used to attenuate the losses associated with a particular risk. It provides indemnity against a specific loss, damage, or liability arising from an insured contingency like fire, hail, theft, or disasters.

Risk factors that determine the cost of a home insurance policy include the size and type of your home, materials used to construct the house, how old it is, area of residence, and the physical characteristics of the land. Few other factors are explained in this article below.

a. By choosing a higher deductible

Along with other factors, the deductible in home insurance plays an important role. Therefore, homeowners must be attentive while choosing their deductible amount. A deductible is an amount the policyholder have to pay towards a covered claim. For example, homeowners paying a deductible of 500 and 1500 pay a premium of $681.72 and $580.57 on homeowners insurance in Palmdale, CA. In contrast, homeowners paying a deductible of 2000 and 2500 pay $527.02 and $495.42, respectively. Therefore, the higher the deductible, the lower the homeowners insurance rates in Palmdale, CA.


b. By installing security features

Many homeowners can receive significant offers on home insurance rates when they install home security features, such as a monitored alarm system, cameras, fire alarms, and other types of equipment. These discounts vary by provider and feature but can potentially save you hundreds of bucks on your home insurance in Palmdale, CA. For instance, homes with deadbolts pay $634.8 on home insurance in Palmdale, CA. The chances of theft or burglary are less with the presence of deadlocks at home.

c. By maintaining a zero claims history

Having a claim in the past can often affect your current home insurance rates in Palmdale, CA. Homeowners with one or two claims face high home insurance rates when compared to homeowners with zero claims history. This is because they pose a lesser risk to the insurers. Therefore, insurance companies offer discounts with zero claims history on Palmdale insurance. For example, homeowners in Palmdale, CA, with zero claims history, have to pay a premium of $593.4. In contrast, homeowners with one or two claims must pay $731.4 and $786.6 on homeowners insurance in Palmdale, CA.

Palmdale, CA, Best Home Insurance Companies

In Palmdale, California, homeowners pay an average home insurance rate ranging between $508 and $687. vHome’s comprehensive analysis reveals that Palmdale homeowners can save up to $238 by comparing quotes from multiple home insurance providers. Below are the top 5 home insurance companies in California according to market share.


State Farm

State Farm is the most prominent company in California, occupying the major market share of 17.56%. It has written direct premiums worth $1,469,169 and earned direct premiums worth $1,405,885. A.M. Best has awarded it with a financial strength rating of A++ for its superior financial ability in granting potential claims to current Palmdale policyholders. It holds a customer satisfaction score of 4/5 based on the feedback collected from policyholders by J.D. Power.


According to NAIC, Farmers occupies a market share of 15.97%. The total value of direct premiums written and earned by Farmers is $1,335,894 and $1,293,054, respectively. It has received a financial strength rating of A+ from A.M. Best for its superior financial ability to grant claims of current policyholders. Based on the feedback curated by J.D. Power, Farmers has a customer satisfaction score of 3/5.


CSAA follows Farmers in terms of market share, occupying 6.51% of the share. It has direct premiums written and earned with a total value of $544,788 and $527,552, respectively. CSAA received an A rating by A.M. Best for its excellent financial ability in granting potential claims of current policyholders. J.D. Power has awarded CSAA with a rating of 3/5 on customer satisfaction.

Liberty Mutual

Liberty Mutual has a market share of 6.24% in California, with direct premiums written worth $521,782, and direct premiums earned worth $501,655. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D Power.


Allstate is another major player in the home insurance segment, with a market share of 5.91%. The home insurance company has direct premiums written worth $494,685, and direct premiums earned worth 488,052. Allstate has the superior financial ability in granting potential claims of current Palmdale policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power.

Palmdale, CA Homeowners Insurance By Home Value

Palmdale, CA Home Value Total Homes % of Total Average Palmdale, CA Homeowners Insurance
Less than $50,000 1,239 4.0% $77
$50,000 to $59,999 337 1.0% $167
$60,000 to $69,999 283 1.0% $202
$70,000 to $79,999 293 1.0% $238
$80,000 to $89,999 735 2.0% $268
$90,000 to $99,999 582 2.0% $298
$100,000 to $124,999 2,384 9.0% $346
$125,000 to $149,999 2,619 10.0% $435
$150,000 to $174,999 3,718 14.0% $513
$175,000 to $199,999 2,445 9.0% $597
$200,000 to $249,999 4,026 15.0% $716
$250,000 to $299,999 3,125 12.0% $877
$300,000 to $399,999 3,528 13.0% $1110

Top Home Insurance Agents Near Palmdale, CA

Home Insurance Company Near Palmdale, CA Homeowners Insurance Agency Near Palmdale, CA Address
State Farm Adam Wiltsey 554 E Foothill Blvd Ste 111, San Dimas, CA, 91773-1222
Farmers Kathi Dolan 861 Via De La Paz Ste C, Pacific Palisades, CA, 90272
Travelers Lloyd S Berkett Insurance Agency Inc 11150 W Olympic Blvd, Ste 1100 Los Angeles, LA, CA, 90064
Allstate Salvador Mercado 10680 W Pico Blvd Ste 202, Los Angeles, CA, 90064
State Farm Suzanne Flores 4788 Peck Rd, El Monte, CA, 91732-1349

Palmdale, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Palmdale, CA

Streets in Palmdale Area Homeowners Insurance Cost
Churchill Ct, Pictorial St, E Ave Q 12, Sulphur Springs Rd, W Ave N12, 39th St W, Caminito Ln, Pike Rd, Martingale Rd, Cattle Creek Rd$646
Piazza Pl, Cottontail Trl, Kingcup Ter, Elk Run Ln, 95th St E, Lisa St, Lark Ln, 70th St, Antelope St, Cordoba Pl$601
Clermont Ave, Pergola Ter, Mesquite Rd, Lavery Rd, Windy Ct, Siberian Ct, Lilacview Ave, Caldron St, 67th St W, E 86th St$673
Honeysuckle Ave, E Ave Q-15, W Ave M-14, Teller Ave, Ocotillo Dr, Ave M-11, Sand Brook Dr, E Ave T6, E Ave S-11, Avignon Ln$580
Sinaloa St, Quail Rd, Dunbar St, Ridge Ave, E Ave S14, Riesling Ave, Bay Ridge Ct, Gunton Dr, Old Nadeau Rd, Dijon Ln$604
Pinnacle Way, Wesley Ct, Villa Moura Dr, Peachwood Pl, Mimosa Way, Oakcrest Ave, Tierra Subida Ave, Serval Way, Willow Ln, Rawson St$609
Old Harold Rd, Osmunda Ct, Sierra Vallejo Rd, Pompeii Way, Opal Ave, Sunrise View St, Ave Entrada, Forest View Rd, Mangrove Dr, Archail Ct$647
106th St E, Dana Dr, Romona Rd, Mustang Ln, Wallace Canyon Rd, 51st St W, Las Brisas Ter, Anset Dr, W Ave M-4, Katrina St$600
Rosemarie St, 112th St E, Derby Cir, Godde Hill Rd, Galloping Way, Flag Way, Cranshaw Ln, E Ave R8, Margate Pl, W Ave M-10$608
Rover Ridge Rd, Wales St, Theodore Ct, Gorham Ln, Borica Ct, Tackstem St, Beauty Vista Ln, E Ave P-15, Jefferson Dr, Old Windmill Rd$623

Palmdale, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Palmdale$89 to $91
Desert View Highlands$89
Quartz Hill$90

Palmdale, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Desert View Highlands CDP, California $89 $119 $179
Quartz Hill CDP, California $90 $120 $180
Acton CDP, California $96 $128 $192

Palmdale, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Palmdale, CA2.6%11.2%
Desert View Highlands2.71%14.83%
Quartz Hill2.7%11.3%

Palmdale Renters Insurance as a Percentage of Rent

Palmdale Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 155 1.0% $801
$300 to $499 516 3.0% $1251
$500 to $749 1,534 11.0% $1926
$750 to $999 2,949 21.0% $2676
$1,000 to $1,499 4,097 30.0% $3801
$1,500 or more 4,297 31.0% $5451

Average Cost Of Home Insurance By Company In Areas Nearby Palmdale For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewCalifornia Casualty407
150000250NewUniversal North America437
5000001000NewIDS Property Casualty1212
5000001000NewOregon Mutual1102
5000002500NewAmerican Security1171
5000002500NewTokio Marine America743
7500002500NewFarmers (Fire Ins)1408
7500002500NewUnigard Group1890
1500005001-3 YearsUSAA341
25000010001-3 YearsKemper623
3000005001-3 YearsMetropolitan Direct1237
3000005001-3 YearsQBE (Balboa)862
40000010001-3 YearsNationwide1029
50000010001-3 YearsState Farm1288
75000025001-3 YearsStillwater Ins Co1305
25000010004-6 YearsKemper693
3000005004-6 YearsCalifornia Casualty992
2000005007-15 YearsFarmers (Fire Ins)1006

Palmdale, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Palmdale Homeowner Insurance Premium Example $1,100$900
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,700$10,100
Net Savings to Palmdale Home Owner from High Deductible Plan $600

Palmdale, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Palmdale, CA Home Replacement Value MORE than Home Value Palmdale, CA Home Replacement Value LESS than Home Value
Replacement Value $283,000 $178,500
Insurance Premium based on Replacement Value $950 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $39,000 Risk Exposure from Under Insuring Coverage is $65,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $150/year

Example Palmdale Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAllstateGEICO Insurance
Monthly Premium 582770
Year Built 200620121998
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $200000-$250000$175000-$200000$400000-$500000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Palmdale, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 195,000 Shingles Roof 1,910 4 $5000 to $10,000 Deductible 190 7 Stucco siding yes
1995 225,000 Wood Shake Roof 1,860 4 $1000-$2500 Deductible 610 12 Wood siding No
1990 400,000 Tile Roof 3,260 4 $1000-$2500 Deductible 300 3 Stone Siding yes
1961 180,000 Composition Roof 1,410 3 $5000 to $10,000 Deductible 190 6 Stone Siding yes
1998 300,000 Shingles Roof 3,280 4 > $10,000 Deductible 40 1 Vinyl siding yes
1968 365,000 Metal Roof 3,020 4 $5000 to $10,000 Deductible 60 1 Stucco siding No
1961 385,000 Wood Shake Roof 3,430 5 $2500-$5000 Deductible 640 10 Wood siding No
2005 245,000 Tile Roof 2,150 5 $5000 to $10,000 Deductible 190 6 Wood siding yes
1962 490,000 Membrane Roof 4,100 5 $500- $1000 Deductible 230 2 Fiber-Cement Siding yes
1961 285,000 Membrane Roof 3,370 4 > $10,000 Deductible 410 9 Stucco siding yes
2001 190,000 Membrane Roof 2,020 5 $1000-$2500 Deductible 340 7 Stucco siding No
2013 425,000 Metal Roof 4,860 5 $500- $1000 Deductible 1040 12 Vinyl siding No
1962 265,000 Metal Roof 2,310 3 > $10,000 Deductible 320 9 Stucco siding yes
2010 235,000 Tile Roof 2,100 4 $500 Deductible 280 6 Vinyl siding yes
2011 215,000 Membrane Roof 2,210 4 $2500-$5000 Deductible 380 8 Wood siding No
1968 185,000 Wood Shake Roof 1,650 4 $500 Deductible 250 7 Fiber-Cement Siding yes
2014 230,000 Metal Roof 2,570 4 $1000-$2500 Deductible 510 10 Wood siding No
2009 335,000 Wood Shake Roof 2,900 4 $2500-$5000 Deductible 630 8 Stucco siding No
2004 220,000 Membrane Roof 2,270 3 $500 Deductible 40 1 Brick siding yes
1960 300,000 Shingles Roof 2,810 5 $500 Deductible 660 8 Stone Siding No
2012 190,000 Asphalt Shingles Roof 2,000 4 $5000 to $10,000 Deductible 100 5 Fiber-Cement Siding yes
1968 205,000 Asphalt Shingles Roof 2,300 4 $500- $1000 Deductible 200 5 Wood siding No
2008 185,000 Metal Roof 1,610 4 $2500-$5000 Deductible 230 6 Stucco siding No
2013 235,000 Asphalt Shingles Roof 2,370 3 $1000-$2500 Deductible 420 8 Wood siding No
2000 290,000 Shingles Roof 2,770 4 $1000-$2500 Deductible 520 12 Vinyl siding yes
2011 205,000 Wood Shake Roof 1,870 3 $500- $1000 Deductible 560 12 Brick siding yes
2011 275,000 Metal Roof 2,340 4 $5000 to $10,000 Deductible 310 6 Fiber-Cement Siding yes
1962 195,000 Slate Shingles Roof 1,860 4 $1000-$2500 Deductible 200 5 Brick siding No
1962 380,000 Metal Roof 3,340 4 > $10,000 Deductible 250 5 Stone Siding yes
1953 500,000 Composition Roof 4,307 5 $500 Deductible 860 8 Vinyl siding No

Latest Home Insurance Reviews

Had to make a claim due to a water leak that ruined the floor in the laundry room, back bathroom and kitchen. They wouldn't replace the water heater and fixing the pipes were on us, but they were fair.
State Farm
I would recommend State Farm for their insurance needs because I have always received good customer service whenever I needed to call my State Farm representative.
Goosehead Insurance
We will definitely keep working with our current insurance company. they're not what we're used to, but we are really liking this more streamlined business model.
Liberty Mutual
I would recommend this company. They have excellent Customer service and really know how to handle home insurance. They really value their customers
The policy offerings are pretty good too. They are well articulated.
My company provides me with a very good service until the moments I have not had problems and they always solve my problems I am very satisfied with them and I would not change my insurance company.
Amica Mutual Insurance
Every year after my annual fee is charged, i receive a rebate. it always surprises me and it's really appreciated after just having paid the bill.
State Farm
Billing practices can be difficult and they mail you several different pieces once you reinstate your policy. i have asked that these be sent via e-mail.
I like allstate because it has the best commercials on how to sell the product. the commercials are what turned me toward their service.
Farmer's Insurance
To be absolutely honest, I could care less about my insurance company's website or app. The only thing that I need it to do is to be easy to pay my bill. It is, so all the other stuff they may be offering does not excite me one bit.
I have often gotten quotes from other companies and the amount that I am paying with All State is consistently lower than other insurance companies. I feel that since I have my policies bundled, I am paying a very fair price each year for my home coverage.
Farmer's Insurance
Overall the company has been easy to deal with and provided a great premium. I have not had to file a claim however so I am unsure as to how quick they would be to respond and how much they would actually cover.
Farmer's Insurance
I haven't had to communicate with them about my home owner's insurance since I signed up.
The only thing I don't like is that when there's a phone call I have to wait for a long time in line
I like that we can have all of our policies together in one place and that we get a discount for that. They are customer oriented and friendly and helpful.
The company is not so bad overall; it could be better in some ways but I accept the coverage as it is.
I am a happy customer. All the claims that I have had have been paid quickly. I feel the premiums are reasonable for the coverages that I get.
I am very happy with them. They are always very helpful and caring and know what they are doing.
Everything is accomplished on line, over the phone and via e-mail. No local offices for face to face conversations, resolutions.
I would recommend Geico insurance to other people because it is affordable. It's really good insurance that can satisfy most people needs without breaking your bank.
I feel like I am just another number in their system and my questions and concerns are not valued. I am new to insurance and a lot of the terms are confusing. I wish they did a better job of explaining and being detailed.
I would rate Allstate a 5 on the satisfaction scale because they are reasonably priced for the coverage they offer and I have had a positive experience with the claims department when I needed to file a claim.
Farmer's Insurance
My only reasons for recommending this company are customer service and that they happen to be one of the most affordable options in my territory.
Overall I would say that Mercury has been a very good insurance company to have. I don't have many complaints and I have thankfully not had too many claims. Cheap insurance without being cut-rate service is great.
I like that is a very stable company that most likely you will not have problems with
Amazing customer service along with great communicative people that honestly becomes a joy to work with them.
Farmer's Insurance
Cheaper prices would, of course, be nice, however, I don't have any dislikes to state at this time. We've never had to actually file a claim, so it's a little bit of a concern that they will actually follow through when needed, but they are reputable and have been in business for quite a while.
My agent was available when I need him. He was willing to advise me and honest about each options.

How To Make Your Palmdale, CA Home Insurance Cheaper

How Much Does Palmdale, CA Home Insurance Cost?