Tracy Insurance Rates:

Tracy, CA homeowners insurance is approximately $521 to $705, about $43-$58/month. Our complete guide reveals consumers can save upto $245 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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How to Lower Your Homeowners Insurance Costs in Tracy, CA

In Tracy, California, homeowners insurance typically costs $1103. You can be protected by homeowner's insurance from various unforeseen problems, including fire, water damage, theft, vandalism, and other problems. If someone is injured on your property, it may also assist you with medical expenses. The home's structure, the owner's possessions, and other items are often covered by an insurance policy in the case of damage from an insured danger. Any abrupt or unplanned occurrence that results in physical harm to a building or its contents, such as fire or smoke, wind or hail, or other risks, is considered an insured peril.

The cost of homeowner's insurance may differ from city to city. It also depends on a variety of other elements, like the deductible, level of coverage, past claims, age of the house, location, and more.

1. By choosing a higher deductible

Your out-of-pocket expenses are your home insurance deductibles before your coverage takes effect. Homeowners can choose the deductible type that best meets their needs from various options offered by insurance companies. In Tracy, California, homeowners with deductibles of 1500 and 2000 pay $928.06 and $842.47 in premiums, respectively. However, homeowners who pay a 500 or 1000-dollar deductible pay $1089.76 and $985.86, respectively. So, in Tracy, California, the higher the premium, the cheaper the deductible.

See the chart below to find out how much homeowners in Tracy, CA, spent on various deductibles.

Tracy_ CA

2. By installing security features

Major house insurance providers in Tracy, California, provide home insurance coverage discounts for properties with burglar alarms and other security features. The cutting-edge systems can remotely manage your door locks, lights, and thermostat using a mobile device. They also include interactive features that can detect trespass. By doing this, the likelihood of a break-in, a fire, or any other peril is reduced. In Tracy, California, homeowners that install security measures like deadbolts and burglar fire pay, respectively, $1014.76 and $1003.73. Homeowners with sprinkler and fire alarm systems pay $1036.82 and $970.64 in premiums.

3. By maintaining a zero claims history 

Avoid making any claims to accumulate a no-claims discount on your home insurance plan. The longer you wait to claim, the higher the bonus you can receive on your homeowners insurance plan in Tracy, CA. For instance, homeowners in Tracy, CA, who have never filed a claim must pay a premium of $948.58, whereas those who have filed one or two claims must pay $1169.18 and $1257.42, respectively.

The Best Tracy, CA, Home Insurance Companies

In Tracy, California, homeowners pay an average home insurance rate of $1,103. The quotes offered by home insurance providers differ from one company to another. Tracy homeowners are suggested to compare quotes from multiple home insurance companies to identify the cheapest one that best suits their needs. 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 Tracy 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 Tracy 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.

Tracy, CA Homeowners Insurance By Home Value

Tracy, CA Home Value Total Homes % of Total Average Tracy, CA Homeowners Insurance
Less than $50,000 680 4.0% $49
$100,000 to $124,999 398 2.0% $232
$125,000 to $149,999 487 2.0% $288
$150,000 to $174,999 954 5.0% $343
$175,000 to $199,999 1,151 7.0% $398
$200,000 to $249,999 3,334 20.0% $478
$250,000 to $299,999 3,767 23.0% $588
$300,000 to $399,999 5,090 31.0% $741

Top Home Insurance Agents Near Tracy, CA

Home Insurance Company Near Tracy, CA Homeowners Insurance Agency Near Tracy, CA Address
NA Berger & Jones Insurance Agency, Inc. 2694 Bishop Drive, Suite 104 , San Ramon, CA, 94583
State Farm Al Ward 4546 El Camino Real Ste B4, Los Altos, CA, 94022-1069
Farmers Arnold Respicio Lutcf 2333 W March Ln Ste C1, Stockton, CA, 95207
State Farm Charlie Brown 1600 Sunrise Ave, Modesto, CA, 95350
State Farm Richard Lawrence 1015 Sperry Ave Ste E, Patterson, CA, 95363-9268

Tracy, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Tracy, CA

Streets in Tracy Area Homeowners Insurance Cost
Saddlebrook Dr, S Treehouse Ln, Pombo Square Dr, Amable St, Gomes Ct, Tioga Dr, Ontario Dr, Meredith Ct, Loreto Ct, Pedro Ln$629
Naglee Rd, Belle Ct, Cabana Ct, Juan Jose Ln, Wagner Ct, Nancy Amelia Ct, Bates Ct, Daniel Ave, Eagle St, Juniper Rd$626
Redbrdge Rd, Tennis Ln, Wood Thrush Ln, Madison Ave, Eastlake Cir, Cancion Ave, Renaissance Dr, Henderson Ct, Penny Ln, Westwood Dr$612
Claremont Dr, Southbrook Ct, Betty Ln, Glenbriar Cir, Famoso Ln, Whitney Ct, Beech Ave, Justice Ct, Shady Ct, Mount Pellier St$613
Carbona Ct, Dover Ln, Thomas Ave, Harvest Landing Ct, McLeod Ave, Peacock Ct, Tranquilidad St, Brett Ave, Phillip Ct, Cherry Blossom Ln$624
Maurland Ln, Cortadillo St, Ormonde Ct, Glacier St, Lourence Dr, Blossom Ln, Bethell Ct, Kristoff Ct, Wilbanks Ln, Ashlee Ct$627
Fundy Ct, Thicket Ln, E Cordes Ct, Mary Ct, Lloyd C Gary Dr, Rockingham Ct, Springwood Ct, Holtspur Ct, el Portal St, Bonsai Ave$612
Hoboken Dr, Alpine Way, Ridgeview Ct, Frank Blondin Ln, Olivia Ln, Alene Ave, Tennis Ct, Los Padres Dr, W Willow Creek Dr, Raven St$613
Tracey Jean Dr, 21st St, Gomes Dr, Surrey Dr, S Faulkner St, Billy F Freeman Ln, W Bonaventure Ave, B St, Kristin Way, Trisler Ct$622
Florentine Way, Harris Ln, Ray Wise Ln, Cambridge Pl, Vintage Ct, Travao Ln, Bastille Ct, W Luna Loca Ln, S Steven St, Wall St$611

Tracy, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Tracy$91 to $94
Mountain House$93

Tracy, 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
Mountain House CDP, California $93 $124 $186
Lathrop city, California $89 $119 $179
Patterson CCD, Stanislaus County, California $89 $119 $179

Tracy, 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
Tracy, CA2.0%11.2%
Mountain House1.74%6.12%

Tracy Renters Insurance as a Percentage of Rent

Tracy Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 134 1.0% $792
$300 to $499 247 2.0% $1242
$500 to $749 648 6.0% $1917
$750 to $999 942 10.0% $2667
$1,000 to $1,499 3,034 32.0% $3792
$1,500 or more 4,280 45.0% $5442

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewAmerican Modern684
150000500NewAmerican Security336
200000500NewPrivilege Underwriters Exch1074
2500001000NewFarmers (Fire Ins)796
2500001000NewPacific Specialty506
250000500NewPrivilege Underwriters Exch1342
250000500NewUnigard Group637
5000001000NewPrivilege Underwriters Exch2115
1500005001-3 YearsChubb/Federal695
2000005001-3 YearsAAA (Interinsurance Exchange)435
2000005001-3 YearsCalifornia Casualty554
25000010001-3 YearsStillwater Ins Co525
3000005001-3 YearsAmerican Modern1129
3000005001-3 YearsUSAA729
75000025001-3 YearsTravelers1338
1500002504-6 YearsSafeco613
1500002504-6 YearsUnigard Group586
1500005004-6 YearsOregon Mutual486
2000005004-6 YearsCSAA Ins Exch626
2000005004-6 YearsWawanesa554
25000010004-6 YearsChubb/Federal1073

Tracy, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Tracy Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,300$7,700
Net Savings to Tracy Home Owner from High Deductible Plan $600

Tracy, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Tracy, CA Home Replacement Value MORE than Home Value Tracy, CA Home Replacement Value LESS than Home Value
Replacement Value $345,500 $219,000
Insurance Premium based on Replacement Value $1,150 $725
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $62,000 Risk Exposure from Under Insuring Coverage is $64,500
Premium Impact Insurance cheaper by $225/year Insurance costlier by $200/year

Example Tracy Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceLiberty MutualFarmers Insurance
Monthly Premium 384260
Year Built 200519982012
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $200000-$250000$250000-$300000$400000-$500000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1995 480,000 Metal Roof 3,050 4 $2500-$5000 Deductible 860 12 Vinyl siding No
1991 220,000 Membrane Roof 1,260 3 $1000-$2500 Deductible 150 3 Stucco siding No
2013 345,000 Wood Shake Roof 2,110 4 $5000 to $10,000 Deductible 230 4 Vinyl siding No
2013 760,000 Metal Roof 4,420 5 $2500-$5000 Deductible 130 1 Vinyl siding No
2000 230,000 Shingles Roof 1,550 3 > $10,000 Deductible 140 5 Vinyl siding No
1999 490,000 Shingles Roof 3,740 5 $2500-$5000 Deductible 480 5 Brick siding No
1996 545,000 Wood Shake Roof 4,470 5 > $10,000 Deductible 860 12 Fiber-Cement Siding No
1992 515,000 Metal Roof 3,860 5 $1000-$2500 Deductible 900 8 Stone Siding yes
2011 655,000 Shingles Roof 4,120 5 $5000 to $10,000 Deductible 1100 8 Fiber-Cement Siding No
1997 285,000 Membrane Roof 1,610 3 $500 Deductible 590 9 Wood siding No
1992 455,000 Metal Roof 3,790 5 $1000-$2500 Deductible 1360 12 Stone Siding No
2000 350,000 Slate Shingles Roof 2,390 3 $500- $1000 Deductible 70 1 Vinyl siding No
2002 495,000 Composition Roof 3,030 5 $1000-$2500 Deductible 240 3 Fiber-Cement Siding No
2008 480,000 Metal Roof 2,930 4 $500 Deductible 270 3 Fiber-Cement Siding No
2010 395,000 Asphalt Shingles Roof 2,420 4 > $10,000 Deductible 150 3 Stone Siding yes
1998 280,000 Asphalt Shingles Roof 1,990 3 > $10,000 Deductible 70 2 Fiber-Cement Siding No
1993 640,000 Wood Shake Roof 4,570 5 $500- $1000 Deductible 1630 9 Brick siding yes
2013 350,000 Membrane Roof 2,530 5 $5000 to $10,000 Deductible 420 8 Stucco siding yes
2012 210,000 Metal Roof 1,710 3 $1000-$2500 Deductible 270 7 Stone Siding No
1996 325,000 Composition Roof 1,980 3 $500- $1000 Deductible 560 9 Vinyl siding yes
1996 765,000 Asphalt Shingles Roof 4,900 5 $500- $1000 Deductible 2410 12 Wood siding yes
2007 305,000 Metal Roof 1,740 3 $5000 to $10,000 Deductible 200 5 Fiber-Cement Siding yes
2001 275,000 Shingles Roof 1,770 4 $500- $1000 Deductible 760 12 Brick siding yes
2010 440,000 Shingles Roof 3,130 5 $500- $1000 Deductible 850 8 Vinyl siding yes
2000 330,000 Slate Shingles Roof 2,660 5 $2500-$5000 Deductible 230 5 Brick siding No
2007 395,000 Composition Roof 3,120 5 $2500-$5000 Deductible 900 12 Stone Siding No
2013 315,000 Composition Roof 2,200 4 $2500-$5000 Deductible 50 1 Wood siding yes
1998 240,000 Asphalt Shingles Roof 1,400 3 $500- $1000 Deductible 250 4 Vinyl siding yes
2000 440,000 Wood Shake Roof 3,220 5 $1000-$2500 Deductible 240 2 Stucco siding yes
2014 270,000 Asphalt Shingles Roof 1,700 4 $2500-$5000 Deductible 300 6 Vinyl siding yes
1999 175,000 Composition Roof 1,035 2 $500 Deductible 150 5 Fiber-Cement Siding yes

Latest Home Insurance Reviews

There is a super insurance and I really like about it and I was really happy about it. 3
State Farm
My home insurance policy offered a lower deductible and a lower monthly price compared to others. We got 3 different quotes and gulfstream seemed to offer the best bang for the buck.
Amica Mutual Insurance
I have had only good things about filing claims the and quick payments that followed. The customer representatives were very courteous and called back a few times to ask if I was taken care of and satisified.
This is a pretty basic policy. It offers the basics. Customer service is great and makes dealing with it easy. However, the rates do creep up every year.
I've never filed a claim so my experience so far has been paying a large sum of money annually for continued coverage. I do feel that I am paying for way more insurance than I need.
State Farm
I would definitely recommend this company for not only home insurance, but auto as well, as they have been super helpful when I have issues or claims that needing addressed.
I recommend it seems very good because it offers me very good services is good
I found this to be very easy to get. I did everything on line, including paying monthly. The only thing I never got was the paper policy, but I probably wouldnt need it. So far so good.
State Farm
The deductible of our policy seemed in line on most features with other providers. There was one aspect where they offered more benefits/coverage than their competitors
Their policies seem to be pretty standard. I compared them to State Farm and they were exactly the same. I was happy with the comparison.
I love the insurance company I am currently working with. I have had no problems as of yet. I rage them a 4
State Farm
I do not like the website because I cannot look at my plan there. I do not need the website for anything else really, so it is pretty useless for me.
State Farm
There are no other decent companies within this price range I feel I am happy with this insurance company
Farmer's Insurance
The company is great, they've gone above and beyond to keep my business. They treat me as a person, not just a policy number and I like that a lot. In spite of the premium increases (which are more of an industry issue than a company issue) I have zero complaints about the company.
Safeco Insurance
I can't say I dislike this company because I have not had any issues.
I found the insurance on the internet It offer a low cost plan that proviade good coverage easy payments I find th company a well run business. I rate it at 2
Stillwater Insurance Group
I have only used the website a few times, but when I have it is very easy to use. I never have any problems. The website answers my general questions and if I need more specific help on a specific issue, I call to speak to an agent.
Amica Mutual Insurance
The customer service is great. They were even proactive with sending us emails/mail after the recent hurricanes in the area, with info on how to easily and quickly submit a claim if we had damage from the hurricanes.
Farmer's Insurance
I don't really interact with them. I set up the policy and sort of forgot about it.
Since it's such a big company, I don't have a personal agent. If I did have a major claim, it might be better to speak to someone in person.
Farmer's Insurance
There is really nothing to dislike other than they raise my rates like clockwork every year. I will likely send my business somewhere else soon because of rate creep.
State Farm
Although their prices are the only somewhat negative aspect of the company, I can't think of anything else that I would say I dislike about State Farm
Stillwater Insurance Group
They are a small company so I can't get a lot of reviews on them. They also do not have any apps or websites so I cannot look at a lot of different things regarding coverage.
I dislike the cost because I am poor, and I also dislike that they choose which dogs are dangerous based on breed instead of doing personal evaluations of each dog to see if it is actually dangerous.
Sure I would recommend them. I have not had any hassels and customer support is fair. As I have said its not good and it is not bad. It is fine and what I was looking for. I would tell friends about them because it was hassle free.
State Farm
I would recommend them because I have been with them for 11 years and they have always responded promptly when I needed them. They have never given me a hard time over a claim and I have grown to know my agent, she anticipates our needs.
State Farm
State Farm does a good job and I have no complaints. That is not a glowing recommendation but I have never had to use them so I can't really comment on that aspect.
I have not interacted much at all with the company and have not filed a claim. There really isn't anything to dislike at this point though that may change in the future,
Amica Mutual Insurance
They do a dividend at the end of the year that makes the price affordable. Haven't had claims but I think they would be responsive if i did.
Safeco Insurance
I like the company because of their low rates, as well as the good coverage included in the policy. There is a good rider for liability as well.
I'm not fond of the mobile app and the password policy, but those are more technical things. So far I have been pleased with the actual company. Also as I said before I have been with them for 20 years as an auto insurance customer, so I'm happy with Progressive.

How To Make Your Tracy, CA Home Insurance Cheaper

How Much Does Tracy, CA Home Insurance Cost?