Santa Barbara Insurance Rates:

Santa Barbara ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Santa Barbara, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Santa Barbara, CA is $1472. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Santa Barbara, CA: Customer-Reviewed Options


Santa Barbara, CA Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Santa Barbara, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Santa Barbara, CA.

Coverage Level Average Annual Premium
$100,000 $589
$200,000 $1,001
$300,000 $1,236
$400,000 $1,884
$500,000 $2,370


Santa Barbara, CA Homeowners Insurance Rates by ZIP Code

Home insurance costs in Santa Barbara can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
093109 $1,490
93103 $1,423
93105 $1,437
93111 $1,388
93110 $1,368
93101 $1,375


Santa Barbara, CA Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Santa Barbara, CA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,509
$1000 Deductible $1,350
$1500 Deductible $1,273
$2500 Deductible $1,148
$5000 Deductible $972



Top Home Insurance Agents Near Santa Barbara, CA

Home Insurance Company Near Santa Barbara, CA Homeowners Insurance Agency Near Santa Barbara, CA Address
NA Jones And Maulding Insurance Agency 730 S B St, Suite 102, Oxnard, CA, 93030
Travelers Maulhardt Insurance Agency 961 NORTH RICE AVENUE SUITE 1A, OXNARD, CA, 93030
Allstate Robert Willis 2263 Las Positas Rd, Santa Barbara, CA, 93105
State Farm Tammy Dobrotin 3015 State St Ste C, Santa Barbara, CA, 93105-3330
Allstate Ted Bustamante 2263 Las Positas Rd, Santa Barbara, CA, 93105

Santa Barbara, CA Home Insurance Agents for Top Companies


Santa Barbara, 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
Isla Vista CDP, California $79 $105 $157
Goleta city, California $84 $111 $167
Mission Canyon CDP, California $90 $120 $180


Santa Barbara, 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
Santa Barbara, CA2.0%10.5%
Isla Vista2.9%6.9%
Mission Canyon1.7%8.1%

Santa Barbara Renters Insurance as a Percentage of Rent

Santa Barbara Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 470 1.0% $746
$300 to $499 664 2.0% $1196
$500 to $749 1,368 4.0% $1871
$750 to $999 3,425 10.0% $2621
$1,000 to $1,499 10,553 31.0% $3746
$1,500 or more 16,505 49.0% $5396

Cost Of Homeowners Insurance By Street Near Santa Barbara, CA

Streets in Santa Barbara Area Homeowners Insurance Cost
Dover Hill Rd, Caleta Ave, Via Jero, Carosam Rd, Maple Ave, Loma Media Rd, Cameta Way, Clara Vista Ct, Carpinteria St, Parkhurst Dr$None
Garden Ln, San Ysidro Rd, Canon Dr, Marbury Dr, el Rancho Rd, Via Campobello, Hitchcock Way, Ramitas Rd, Evening Song Ct, Mount Calvary Rd$None
Lincolnwood Dr, de la Guerra Pl, Montrose Pl, Queen Ann Ln, Wakefield Rd, Arden Rd, W Islay St, Romaine Dr, Ver Leyenda, Cremona Dr$681
Santa Cruz Blvd, Gillespie St, Oak Grove Ln, Salisbury Ave, Wessex Ct, Marymount Dr, Saint James Dr, Newcastle Cir, Abigail Ln, Via Fiori$685
San Pascual St, Coleman Ave, Fairwood Ln, Eucalyptus Hill Cir, Aviano Pl, E Haley St, Lyric Ln, Alta Dr, W Pueblo St, Rockwood Dr$None
E Canon Perdido St, Bradford Dr, Monte Dr, Oceano Ave, Seville Rd, E Cabrillo Blvd, Oak Tree Pl, Fellowship Ln, Via Encanto, Oak Park Ln$None
la Plata, Anita Ln, Modena Way, Via Trepadora, Palm Ave, Rinconada Rd, Linda Rd, Sierra Madre Dr, Birch Walk, Ashdale St$687
Via Rosita, W Ortega St, Mandarin Dr, Tila Pl, Stonehouse Ln, Alta Vista Rd, Via Parva, Cam Galeana, Oak Ave, Kodiak Ave$None
Vis Bahia, Kern Dr, Sweet Rain Pl, Hacienda Way, Embarcadero del Norte, Phelps Rd, Picacho Ln, Meadowbrook Dr, N Nopal St, S Los Carneros Rd$None
Malva Ave, Robbins St, San Leandro Pl, Clark Rd, Woodleaf Ln, Yolo Ln, Pepperdine Ct, Carol Ave, Santa Catalina St, E Anapamu St$694

Santa Barbara, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Santa Barbara$104 to $107
Isla Vista$94
Mission Canyon$108

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewFarmers (Fire Ins)479
2500001000NewCentury National553
7500002500NewGeneral Ins401
7500002500NewHartford (Sentinel)915
7500002500NewHorace Mann981
2000005001-3 YearsHartford (Sentinel)438
2000005001-3 YearsTravelers375
3000005001-3 YearsUSAA547
50000010001-3 YearsMAPFRE Group887
50000010001-3 YearsSafeco819
50000010001-3 YearsUnigard Group1047
50000025001-3 YearsGrange715
50000025001-3 YearsHorace Mann627
50000025001-3 YearsPrivilege Underwriters Exch1279
75000025001-3 YearsFirst American Ins948
50000025004-6 YearsAmerican Security983
75000025004-6 YearsQBE (Balboa)967
25000010007-15 YearsLiberty Ins Corp783
25000010007-15 YearsQBE (Balboa)539
2500005007-15 YearsAmica Mutual765
40000010007-15 YearsIDS Property Casualty904


Santa Barbara, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Santa Barbara Homeowner Insurance Premium Example $2,400$1,900
Out of Pocket Expense During Claim$1,900$3,900
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $16,300$15,300
Net Savings to Santa Barbara Home Owner from High Deductible Plan $1,000


Santa Barbara, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Santa Barbara, CA Home Replacement Value MORE than Home Value Santa Barbara, CA Home Replacement Value LESS than Home Value
Replacement Value $1,114,500 $672,500
Insurance Premium based on Replacement Value $3,800 $2,275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $248,500 Risk Exposure from Under Insuring Coverage is $193,500
Premium Impact Insurance cheaper by $675/year Insurance costlier by $850/year


Example Santa Barbara Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAmica Mutual Insurance CompanyNationwide Insurance
Monthly Premium 236162235
Year Built 197419811992
Home Details 5 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount More than 10000000$600000-$700000More than 10000000
Deductible $1000-$2500 Deductible$500 Deductible$500- $1000 Deductible