Find Affordable Homeowners Insurance

Costa Mesa CA Home Insurance Rates

Costa Mesa, CA is serviced by 48 California home insurance companies. Several factors affect their homeowners insurance premiums. Though it could go as high as $2,129/year with $371 being the cheapest home insurance premium available.

The overall average cost of homeowners insurance in Costa Mesa, CA is around $994/year. It’s only slightly higher than the state average of $986 and $179 cheaper than the national average.

Where to Buy Cheap Home Insurance in Costa Mesa, CA

For the cheapest home insurance premiums based on policy limits and the age of your home, you should look into the following companies:

  1. Western Mutual/Residence for $300,000 or $400,000 coverage on a 7-15 year home
  2. Pacific Specialty for $300,000 coverage on a 26-40 year home
  3. Pacific Property & Casualty for $400,000 coverage on a new home

When we looked at premiums based on company average, these companies had the best home insurance rates:

  1. First American Specialty ($658.25)
  2. Allstate ($659.25)
  3. Pacific Specialty ($681.50)
  4. Western Mutual/Residence ($687)
  5. CSE Safeguard ($690.50)
  6. Mercury Insurance Group ($710)
  7. Integon/National ($710.75)
  8. Tokio Marine America ($727.75)
  9. Pacific Property & Casualty ($744.50)
  10. Wawanesa ($777)
CompanyAnnual rate for a new house & $400k coverageAnnual rate for 7-15 yr house & $400k coverageAnnual rate for 7-15 yr house & $300k coverageAnnual rate for 26-40 yr house & $300k coverageCompany Average
Average$798.77$1213.27$950.21$1012.94Costa Mesa Average: $993.80
First American Specialty$528$861$622$622$658.25
Allstate$514$851$636$636$659.25
Pacific Specialty$562$881$675$608$681.5
Western Mutual/Residence$576$770$598$804$687
CSE Safeguard$462$808$722$770$690.5
Mercury Ins Group$420$948$732$740$710
Integon/National$641$878$662$662$710.75
Tokio Marine America$686$885$670$670$727.75
Pacific Property And Casualty$371$976$737$894$744.5
Wawanesa$612$1,005$750$741$777
ASI Select Ins Corp$549$953$754$874$782.5
Horace Mann$675$900$760$806$785.25
Metropolitan Direct$645$977$752$788$790.5
QBE$675$901$720$901$799.25
AAA (Interinsurance Exchange)$493$1,099$832$840$816
Horace Mann P & C$700$933$792$840$816.25
Travelers$650$1,073$840$795$839.5
Homesite$810$1,057$831$879$894.25
American Reliable$845$1,015$795$971$906.5
California Capital$735$1,115$888$908$911.5
Grange$787$1,123$882$882$918.5
American Security$756$1,080$811$1,029$919
USAA$839$1,100$853$890$920.5
State Farm$608$1,190$910$984$923
MAPFRE Group$695$1,194$887$931$926.75
Universal North America$582$1,130$904$1,137$938.25
Safeco$813$1,159$893$893$939.5
California Casualty$600$1,184$995$1,035$953.5
Amica Mutual$847$1,171$914$914$961.5
Aegis Security$873$1,161$871$1,056$990.25
Kemper$810$1,248$1,022$1,041$1030.25
Stillwater Prop & Cas Co$686$1,360$1,058$1,069$1043.25
IDS Property Casualty$890$1,360$1,007$1,159$1104
Stillwater Ins Co$745$1,444$1,122$1,115$1106.5
Amco$713$1,447$1,124$1,172$1114
Nationwide$718$1,456$1,131$1,179$1121
American Modern$1,219$1,328$967$1,066$1145
General Ins$767$1,468$1,175$1,251$1165.25
Cincinnati Ins Co$1,094$1,394$1,065$1,119$1,168
Encompass$1,044$1,455$1,115$1,115$1,182.25
Hartford (Sentinel)$974$1,490$1,233$1,405$1275.5
Liberty Ins Corp$823$1,518$1,224$1,544$1277.25
Foremost Insurance$1,384$1,522$1,081$1,193$1,295
Farmers (Fire Ins)$1,010$1,664$1,340$1,290$1,326
AIG Prop Cas$1,272$1,610$1,235$1,294$1,352.75
Privilege Underwriters Exch$1,447$2,010$1,507$1,507$1,617.75
Bankers Standard$1,485$1,956$1,824$1,910$1,793.75
Chubb/Federal$1,711$2,129$1,692$1,692$1,806

Got a new home? You can buy affordable $400,000 coverage from these top 5 home insurance providers:

  1. Pacific Property & Casualty ($371)
  2. Mercury Insurance Group ($420)
  3. CSE Safeguard ($462)
  4. AAA Interinsurance Exchange ($493)
  5. Allstate ($514)

But if you have an older 7-15 year home, opt for these home insurance companies to get the lowest premiums with $400,000 coverage:

  1. Western Mutual/Residence ($770)
  2. CSE Safeguard ($808)
  3. Allstate ($851)
  4. First American Specialty ($861)
  5. Integon/National ($878)

Choosing a $300,000 coverage for your 7-15 year home? Buy them from these companies instead:

  1. Western Mutual/Residence ($598)
  2. First American Specialty ($622)
  3. Allstate ($636)
  4. Integon/National ($662)
  5. Tokio Marine America ($670)

Finally, if you need $300,000 coverage a 26-40 year home, these providers offer the cheapest homeowners insurance premiums:

  1. Pacific Specialty ($608)
  2. First American Specialty ($622)
  3. Allstate ($636)
  4. Integon/National ($662)
  5. Tokio Marine America ($670)

Homeowners insurance comparison in Costa Mesa, CA

Home insurance companies in Costa Mesa, CA calculate premiums differently from one another. Knowing which providers offer cheap home insurance will save you a great deal of time. At this point, all you have to do is request personalized quotes and compare companies based on their coverage.

What is a Home Insurance Premium and How Is It Calculated?

The premium is the cost of home insurance. It can either be a monthly or yearly rate depending on the company. As mentioned previously, there are differences in how companies calculate home insurance premiums. However, some factors influence it more than others.

Below you’ll find the top 4 factors which companies use to calculate your premium.

1. Replacement cost of your home

Home insurance providers consider it the biggest factor when calculating your premium. It is estimated based on the cost it would take rebuild your home, including labor and the replacement of building materials.

2. Deductible

When an insured property incurs loss or damage, you have to pay the deductible before a provider pays for the claim. It is an amount you have to pay out-of-pocket. Higher deductibles mean lower premiums, and lower deductibles mean higher premiums.

3. Coverage Limit

It refers to the total cost that a home insurance provider is willing to cover for damage or losses. The most common coverage limits are worth $300,000 and $400,000. Higher limits equate to more expensive home insurance premiums.

4. Home Age

The age of a home also affects the premium. Older homes usually cost more to insure, hence their higher premiums.

Home insurance companies in California consider other factors besides when calculating your premium. These may include, but are not limited to:

  • Number of home inhabitants
  • Building materials and roof type
  • Claim history
  • Protective and security measures
  • Neighborhood crime
  • Pets

What Is It Like To Live In Costa Mesa, CA?

Costa Mesa is a relatively small city with a suburban, upper middle class east side. But you’d be surprised by how much cultural diversity it really holds. Like most upscale places in California, there are plenty of shopping options, restaurants, and good schools around here. However, its atmosphere is a bit more bohemian than is typical of Cali, making it an interesting place to live in.

Population-wise, the city grew by a mere 3.4 percent from 2010 to 2017 in spite of its above-average household income ($75,109). This is probably because of its expensive housing. The median value of housing units in Costa Mesa, CA is $671,800 compared to the state average of $443,400.

Disclaimer:

The home insurance costs on this web page were retrieved from the official website of California Insurance Department. Actual rates may vary from the displayed costs. Only use our website as a general guideline to compare home insurance rates. Statistics involving US cities and states were sourced from the United States Census Bureau website.

Other California Cities:

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