Best & Cheapest Homeowners Insurance in Santa Clarita, CA For June, 2024

USAA provides the most affordable homeowners insurance in Santa Clarita, with an average yearly cost of $1,586.

min read
Updated: 05 May 2024
Written by
Bob Phillips
On this page Open

In our comprehensive assessment of home insurance options in Santa Clarita, California, USAA stands out as the most economical choice, with an average yearly premium of $1,586. However, it’s important to note that the best insurer for you may vary depending on your specific circumstances and requirements.

For example, if you have an older home, State Farm offers competitive rates at $1,956 annually, along with comprehensive coverage. On the other hand, for owners of newly constructed homes, Travelers provides the most cost-effective solution at $1,244 per year.

Additionally, if you have a significant amount of personal property needing protection, Allstate emerges as the preferred choice, offering extensive coverage at a reasonable rate of $1,870 per year.

At Insuranceopedia, our thorough analysis aims to help you find the ideal home insurance coverage. By comparing customer ratings, evaluating personal experiences, and providing comparison charts, we provide all the necessary information to help you make a well-informed decision.

How much is homeowners insurance in Santa Clarita, CA?

USAA offers the most affordable homeowners insurance rate in Santa Clarita, with an annual cost of $1,586.

Below, you can see that the rates in Santa Clarita are higher than the national average. They are also higher than the state of California average.

Area Average Monthly Rate
National $1,820
California $2,008
Santa Clarita $2,297

It’s important to understand that insurance rates aren’t fixed; they can vary considerably based on several factors.

Cheapest Homeowners Insurance in Santa Clarita, CA, 2024

Cheapest Homeowners Insurance, Santa Clarita, 2024

Our Methodology

To find the most cost-effective home insurance rates in Santa Clarita, we gathered data from multiple home insurance review websites. Some of these sources analyzed rates obtained from public filings through Quadrant Information Services. In this review, we averaged those rates, but it's important to understand that each company's rates can vary regularly and are subject to individual circumstances. Moreover, the overall rating includes my subjective opinion, based on fifteen years of experience as a licensed insurance agent and over three decades of procuring home insurance.

66

Quotes Analyzed

15+

Years Of Industry Experience

24

Brands Reviewed

40+

Research Hours

Cheapest homeowners insurance in Santa Clarita, CA

USAA stands out as the most budget-friendly option for homeowners insurance in Santa Clarita, CA, with an average annual rate of $1,586.

Company Annual Premium
USAA $1,586
Travelers $1,720
State Farm $2,235
Nationwide $2,608
Chubb $3,271

Your policy’s price is influenced by various factors, including your location, home value, and claims history. USAA provides a balanced combination of affordability and comprehensive coverage.

Cheapest Homeowners Insurance If You Have an Older Home

For owners of older homes, State Farm provides the most economical choice, with an average annual rate of $1,956.

Insurance Company Average Annual Premium
State Farm $1,956
Nationwide $2,067
Travelers $2,430
Chubb $2,875

Older homes often entail unique risks and maintenance challenges that can result in increased insurance expenses. State Farm offers competitive rates and comprehensive coverage tailored to address the specific needs of older homes.

Cheapest Homeowners Insurance for Newly Constructed Homes

For homeowners proud of their newly constructed homes, Travelers stands out as the most budget-friendly option, offering an average annual rate of $1,244.

Insurance Company Average Annual Premium
Travelers $1,244
Allstate $1,290
State Farm $1,593
Nationwide $1,860
MetLife $2,099

Newly built homes often need specialized coverage compared to older properties, and Travelers is excellent at providing affordable policies customized to meet these particular requirements.

Cheapest Home Insurance Rates for Lots of Personal Property

If you own a substantial amount of personal property, Allstate provides the most affordable option, with an average annual rate of $1,870.

Insurance Company Average Annual Premium
Allstate $1,870
State Farm $2,314
Universal North America $2,430
Nationwide $2,817
Chubb $3,550

As the amount of personal property you own increases, your coverage needs also rise, which may result in higher premiums. Allstate addresses this by providing comprehensive coverage at affordable rates, ensuring that all your belongings are adequately protected.

Best Homeowners Insurance Companies in Santa Clarita, CA

Selecting the right homeowners insurance isn’t just necessary; it’s a decision that requires careful consideration. Santa Clarita boasts a diverse range of properties, reflecting the diversity of its residents. Therefore, finding an insurance provider that offers comprehensive coverage at competitive rates is essential.

To simplify your decision-making process, we’ve compiled a list of the top homeowners insurance companies in Santa Clarita, CA. Our assessment considers factors such as annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Take a look at our comparison chart below to find the perfect fit for your home insurance needs.

Company Annual Premium
USAA $1,586
Travelers $1,720
State Farm $2,235
Nationwide $2,608
Chubb $3,271
Hartford $2,897
Farmers $2,360
AIG $3,114

Average Home Insurance Rates by Zip Codes

Home insurance costs in Santa Clarita, CA can vary widely depending on the zip code. Below, you’ll find tables displaying rates for various zip codes in Santa Clarita, along with details on the five cheapest and most expensive zip codes for annual home insurance premiums in the area.

ZIP Code Average Insurance Premium (Annual)
91354 $896
91380 $881
91355 $877
91350 $1,012
91381 $935
91351 $1,026

Cheapest Zip Codes

ZIP Code Average Insurance Premium (Annual)
91354 $896
91380 $881
91355 $877

Most Expensive Zip Codes

ZIP Code Average Insurance Premium (Annual)
91350 $1,012
91381 $935
91351 $1,026

Average Home Insurance Rates in Santa Clarita, CA by Deductible Amount

The selected deductible amount for a homeowners insurance policy has a significant impact on premium rates in Santa Clarita, CA. Here’s how the average home insurance rates vary for different deductible amounts:

Deductible Amount Annual Rate
$500 $1,030
$1,000 $934
$1,500 $878
$2,000 $802
$5,000 $787

Average Home Insurance Rates in Santa Clarita, CA By Coverage Amount

An important factor that affects your premium is the dwelling coverage amount, which represents the maximum sum your insurance company will pay for rebuilding or repairing your home if it’s damaged or destroyed.

Now, let’s examine a comparison chart illustrating the average annual premiums for homeowners insurance associated with different dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $1,056
$250,000 $1,124
$300,000 $1,230
$350,000 $1,386
$400,000 $1,420

Average Home Insurance Rates in Santa Clarita, CA by Company

Here’s a table comparing the yearly premiums offered by top providers in Santa Clarita.

Company Annual Premium
USAA $1,586
Travelers $1,720
State Farm $2,235
Nationwide $2,608
Chubb $3,271
Hartford $2,897
Farmers $2,360
AIG $3,114

How Much is Homeowners Insurance for Other Cities in California?

Here’s a detailed chart comparing the least expensive companies and their annual premiums across various cities in California.

City Annual Premium
San Francisco $2,084
Oakland $1,830
Fremont $1,865
Riverside $2,234
San Diego $1,736

Getting Online Homeowners Insurance Quotes in California

Insuranceopedia and similar platforms offer easy access to finding the right coverage for your specific needs with minimal effort. By providing fast online quotes from reputable insurers, Insuranceopedia allows you to compare rates effortlessly.

You simply need to input your information, and the platform handles the rest, presenting you with a variety of options customized to your preferences. This empowers you to confidently select a policy that delivers the most value, striking a balance between cost and comprehensive coverage.

FAQs

Who has the cheapest home insurance in Santa Clarita, CA?

In Santa Clarita, California, USAA provides the most budget-friendly home insurance option, priced at an annual premium of $1,586.

What is the average cost of home insurance in Santa Clarita, CA?

On average, homeowners in Santa Clarita, California, can expect to pay approximately $2,297 per year for home insurance.

Go back to top