Ridgecrest Insurance Rates:

Ridgecrest, CA homeowners insurance is nearly $506 to $687, about $42-$57/month. Our exhaustive guide indicates shoppers can save as much as $238 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
Everyone i have talked to with the company has been very friendly and understanding. they are always eager to help and i feel like i am a priority.
Geico
Not all breeds of dogs can be included under this insurance company, which is disappointing if i ever wanted to have a dog that they consider a "dangerous breed". considering all the work that's been done to raise awareness about these breeds, geico seems very behind on the times.
State Farm
The older staff are very knowledgeable about the product and willing to work to make sure you get the coverage you need.
Farmer's Insurance
They love to send letters and updates on new services that they offer - I prefer that to phone calls, so it works out well for me in this case.
Nationwide
It is willing to insure my home and it is inexpensive
Safeco Insurance
I'm not really sure about the difference between my company and others. I didn't shop around for the coverage, as the approval for the loan came pretty quickly and I needed insurance to close the deal.
Allstate
I think that Allstate so far has exceeded what I expected of an insurance company I think they are not taking advantage of me so that is a great plus

Ridgecrest, CA Homeowners Insurance By Home Value

Ridgecrest, CA Home Value Total Homes % of Total Average Ridgecrest, CA Homeowners Insurance
Less than $50,000 295 4.0% $77
$50,000 to $59,999 126 2.0% $167
$60,000 to $69,999 114 1.0% $208
$70,000 to $79,999 82 1.0% $238
$80,000 to $89,999 86 1.0% $274
$90,000 to $99,999 143 2.0% $304
$100,000 to $124,999 408 6.0% $352
$125,000 to $149,999 556 8.0% $441
$150,000 to $174,999 1,042 16.0% $525
$175,000 to $199,999 814 13.0% $602
$200,000 to $249,999 1,197 19.0% $728
$250,000 to $299,999 723 11.0% $889
$300,000 to $399,999 629 10.0% $1134

Top Home Insurance Agents Near Ridgecrest, CA

Home Insurance Company Near Ridgecrest, CA Homeowners Insurance Agency Near Ridgecrest, CA Address
Farmers David Haugen Lutcf 1281 N Norma St, Ridgecrest, CA, 93555
State Farm Gary Charlon 995 N Norma St Ste A, Ridgecrest, CA, 93555-3125
Farmers Mary Parks 12512 Mount Mesa Rd, Lake Isabella, CA, 93240
State Farm Roger Dorman 121 S China Lake Blvd Ste A, Ridgecrest, CA, 93555-4049
Allstate Ronald Burnette 116 S China Lake Blvd, Ridgecrest, CA, 93555

Cost Of Homeowners Insurance By Street Near Ridgecrest, CA

Streets in Ridgecrest Area Homeowners Insurance Cost
N Amie Ct, S Holly Canyon St, Allen St, Johnston Ave, Fendrick Cir, E Dana Ave, E Dolphin Ave, W Perch Ave, Mayo St, Autumn Ave$593
Mono St, Valley View Dr, N Mono Ct, Kitts Rd, E Haloid Ave, E Kendall Ave, Coral Sea Cir, Hawk St, W Jean Ave, Vieweg Cir$595
N Big Horn St, S Helena St, Bull Run St, W Mariposa Ave, Sims St, French Ave, W Robert Ave, E Buckle Ave, N Indian Wells St, Coral Ave$593
Diva Dr, Micah St, S Desert Candles St, N Marvin Gardens St, Kashmir Ln, W Javis Ave, N Gwen Dr, Grandview Dr, Inyokern Rd, Hurschell Ave$598
Sky Pl, Welcome Way, W Kevin Ct, Barbara Ave, Bowman Rd, Harriet St, Parkview Dr, Owens Peak St, E Far Vista Ave, S Fountain St$596

Ridgecrest, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ridgecrest$89 to $91
China Lake Acres$87
Inyokern$88
Pearsonville$85

Ridgecrest, 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
China Lake Acres CDP, California $73 $97 $145
Inyokern CDP, California $74 $98 $147
Johannesburg CDP, California $73 $97 $146

Ridgecrest, 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
Ridgecrest, CA3.7%15.0%
China Lake Acres4.08%19.28%
Inyokern4.66%11.84%
Searles Valley4.72%19.2%

Ridgecrest Renters Insurance as a Percentage of Rent

Ridgecrest Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 303 7.0% $1251
$500 to $749 1,391 33.0% $1926
$750 to $999 1,136 27.0% $2676
$1,000 to $1,499 972 23.0% $3801
$1,500 or more 360 8.0% $5451

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002507-15 YearsUnigard Group740
1500005004-6 YearsQBE (Balboa)548
1500005004-6 YearsSequoia (Personal Express)409
1500005007-15 YearsIntegon/National680
15000050026-40 YearsStillwater Ins Co730
200000500NewAIG Prop Cas792
2000005001-3 YearsWawanesa731
2000005007-15 YearsEncompass832
20000050026-40 YearsLiberty Ins Corp1123
2500001000NewGrange543
2500001000NewPrivilege Underwriters Exch916
25000010004-6 YearsTravelers521
25000010007-15 YearsAmica Mutual976
250000100016-25 YearsGeneral Ins828
250000100016-25 YearsPacific Specialty905
250000100016-25 YearsUnigard Group864
250000100041-70 YearsAAA (Interinsurance Exchange)691
250000100041-70 YearsMercury Ins Group502
2500005004-6 YearsLiberty Ins Corp811
25000050016-25 YearsMAPFRE Group968
25000050016-25 YearsPacific Specialty963

Ridgecrest, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$2,300
Yearly Ridgecrest Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,300$2,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,300$4,700
Net Savings to Ridgecrest Home Owner from High Deductible Plan $600

Ridgecrest, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ridgecrest, CA Home Replacement Value MORE than Home Value Ridgecrest, CA Home Replacement Value LESS than Home Value
Replacement Value $220,500 $135,000
Insurance Premium based on Replacement Value $700 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $40,000 Risk Exposure from Under Insuring Coverage is $45,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $125/year

Example Ridgecrest Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateState FarmLiberty Mutual
Monthly Premium 416981
Year Built 199620031981
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$300000-$350000$350000-$400000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2006 150,000 Composition Roof 1,460 3 $1000-$2500 Deductible 250 7 Stone Siding yes
2007 595,000 Composition Roof 4,940 5 > $10,000 Deductible 790 12 Fiber-Cement Siding No
2006 265,000 Slate Shingles Roof 3,050 5 $5000 to $10,000 Deductible 190 6 Wood siding No
1987 315,000 Metal Roof 2,930 4 $2500-$5000 Deductible 150 3 Stucco siding yes
1979 260,000 Tile Roof 2,380 5 $500 Deductible 570 8 Vinyl siding No
2001 225,000 Metal Roof 2,620 4 $1000-$2500 Deductible 350 8 Stone Siding No
1974 210,000 Shingles Roof 1,880 3 $500- $1000 Deductible 40 1 Stone Siding No
1971 255,000 Membrane Roof 2,180 3 $1000-$2500 Deductible 250 5 Stucco siding yes
2004 240,000 Wood Shake Roof 2,700 4 $500 Deductible 500 10 Stucco siding No
1996 200,000 Metal Roof 1,960 3 > $10,000 Deductible 160 6 Wood siding No
2007 230,000 Metal Roof 2,620 4 $2500-$5000 Deductible 90 2 Brick siding yes
1983 200,000 Metal Roof 2,180 3 > $10,000 Deductible 230 9 Vinyl siding yes
2001 275,000 Slate Shingles Roof 2,780 4 > $10,000 Deductible 350 7 Fiber-Cement Siding No
1982 430,000 Asphalt Shingles Roof 4,440 5 $1000-$2500 Deductible 850 10 Brick siding yes
2003 180,000 Asphalt Shingles Roof 1,710 5 $500- $1000 Deductible 130 4 Brick siding No
1975 245,000 Wood Shake Roof 2,120 4 $500 Deductible 340 6 Vinyl siding yes
2007 295,000 Composition Roof 2,420 5 $500- $1000 Deductible 300 4 Vinyl siding No
2003 245,000 Asphalt Shingles Roof 2,700 4 $2500-$5000 Deductible 50 1 Fiber-Cement Siding yes
1991 400,000 Asphalt Shingles Roof 3,340 5 $2500-$5000 Deductible 330 5 Stone Siding yes
1971 245,000 Wood Shake Roof 1,940 4 $5000 to $10,000 Deductible 400 12 Vinyl siding No
1974 435,000 Tile Roof 4,100 5 $500 Deductible 650 7 Vinyl siding No
2000 330,000 Wood Shake Roof 2,740 5 $1000-$2500 Deductible 610 9 Stone Siding yes
1987 310,000 Membrane Roof 2,860 4 $1000-$2500 Deductible 850 12 Stucco siding No
1980 170,000 Composition Roof 1,340 3 $2500-$5000 Deductible 200 6 Fiber-Cement Siding yes
1972 235,000 Asphalt Shingles Roof 2,240 4 $2500-$5000 Deductible 210 6 Fiber-Cement Siding yes
1974 190,000 Wood Shake Roof 2,260 4 $2500-$5000 Deductible 410 10 Stone Siding No
1971 215,000 Metal Roof 1,730 3 $5000 to $10,000 Deductible 30 1 Fiber-Cement Siding No
2000 285,000 Wood Shake Roof 3,320 5 $2500-$5000 Deductible 830 12 Brick siding yes
1994 430,000 Wood Shake Roof 3,850 5 $2500-$5000 Deductible 150 2 Stone Siding yes
1987 255,000 Slate Shingles Roof 2,340 3 $500 Deductible 800 12 Brick siding No
1979 400,000 Membrane Roof 3,260 5 > $10,000 Deductible 520 10 Fiber-Cement Siding No
1998 165,000 Wood Shake Roof 1,340 3 $5000 to $10,000 Deductible 140 6 Stucco siding No
2006 135,000 Membrane Roof 1,350 3 $2500-$5000 Deductible 260 12 Vinyl siding yes
1991 140,000 Wood Shake Roof 1,270 3 $500- $1000 Deductible 150 6 Fiber-Cement Siding yes