Best & Cheapest Homeowners Insurance in Santa Clarita, CA For May, 2024
USAA provides the most affordable homeowners insurance in Santa Clarita, with an average yearly cost of $1,586.
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
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.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
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
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.
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