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:
- Western Mutual/Residence for $300,000 or $400,000 coverage on a 7-15 year home
- Pacific Specialty for $300,000 coverage on a 26-40 year home
- 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:
- First American Specialty ($658.25)
- Allstate ($659.25)
- Pacific Specialty ($681.50)
- Western Mutual/Residence ($687)
- CSE Safeguard ($690.50)
- Mercury Insurance Group ($710)
- Integon/National ($710.75)
- Tokio Marine America ($727.75)
- Pacific Property & Casualty ($744.50)
- Wawanesa ($777)
| Company | Annual rate for a new house & $400k coverage | Annual rate for 7-15 yr house & $400k coverage | Annual rate for 7-15 yr house & $300k coverage | Annual rate for 26-40 yr house & $300k coverage | Company Average |
|---|---|---|---|---|---|
| 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 |
| Average | $798.77 | $1213.27 | $950.21 | $1012.94 | Costa Mesa Average: $993.80 |
Got a new home? You can buy affordable $400,000 coverage from these top 5 home insurance providers:
- Pacific Property & Casualty ($371)
- Mercury Insurance Group ($420)
- CSE Safeguard ($462)
- AAA Interinsurance Exchange ($493)
- 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:
- Western Mutual/Residence ($770)
- CSE Safeguard ($808)
- Allstate ($851)
- First American Specialty ($861)
- Integon/National ($878)
Choosing a $300,000 coverage for your 7-15 year home? Buy them from these companies instead:
- Western Mutual/Residence ($598)
- First American Specialty ($622)
- Allstate ($636)
- Integon/National ($662)
- Tokio Marine America ($670)
Finally, if you need $300,000 coverage a 26-40 year home, these providers offer the cheapest homeowners insurance premiums:
- Pacific Specialty ($608)
- First American Specialty ($622)
- Allstate ($636)
- Integon/National ($662)
- 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:
Victorville CA Home Insurance Rates
The average price of homeowners insurance in Victorville, CA is about $1,126/yr. It’s a bit steep compared to the state average which is only $986. Though it is $47 cheaper than the U.S. average. We did a home insurance comparison of various providers in the city. The top 3 cheapest home insurance companies are: Pacific … Read more
Berkeley CA Home Insurance Rates
The average cost of homeowners insurance in the city is $1,181/yr. Annual premiums in Berkeley, CA are $195 more than the state average and $8 higher than the national average. We compared rates from different providers across Berkeley. Based on our findings, the cheapest home insurance policies belong to the following: Mercury Insurance Group offers … Read more
Carlsbad CA Home Insurance Rates
Carlsbad homeowners have 48 California insurance agencies to choose from. Each offers premiums at a different rate – the highest being $1,958/year and with $308 as the most affordable. The typical home insurance cost in Carlsbad, CA is about $879/year. It’s $107 cheaper than the average home insurance cost in California and $294 lower than … Read more
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 … Read more
Fairfield CA Home Insurance Rates
The typical home insurance cost per year in Fairfield, CA is about $956. It’s less than the average cost of home insurance in California and the U.S. by $30 and $217, respectively. Despite these already-low rates, you can still buy homeowners insurance for cheaper in the city. It all boils down to finding companies with … Read more
Temecula CA Home Insurance Rates
Temecula home insurance could cost you up to $1,113 each year. It’s $127 more than the average California home insurance rates. Although compared to the national average, local rates are $60 less. But did you know that you can still buy home insurance for a lower price? We used our comparison table to rank local … Read more
Inglewood CA Home Insurance Rates
In Inglewood, CA the home insurance cost per year is between $355 and $4,470 depending on the provider and coverage. Meanwhile, the city’s average home insurance cost is $1,242.35. For comparison, the typical homeowners insurance cost is $986 in California and $1,173 in the United States. Locals spend $256.35 and $69.35 more than the state … Read more
Antioch CA Home Insurance Rates
Home insurance rates in Antioch, CA can range from $365 to $2,245 per year. But the typical home insurance cost irrespective of coverage is $985/year. It’s close to the average rates in California and $188 cheaper than what the average U.S. citizen pays. The Best Home Insurance Rates in Antioch, CA You can buy the … Read more
Murrieta CA Home Insurance Rates
We used the table below for homeowners insurance comparison of all 48 companies in Murrieta, CA. According to our analysis, the top 3 home insurance providers in the city are as follows: Mercury Insurance Group. They have the most affordable yearly home insurance cost for a new house with $400,000 coverage.Western Mutual/Residence. They have the … Read more
Richmond CA Home Insurance Rates
We looked at home insurance quotes from companies across the city. And if you want the cheapest homeowners insurance in Richmond, CA there’s Stillwater and Tokio Marine America. For $365 to $517 a year, you can get up to $400,000 coverage for your home. The best deals don’t stop here, though. There are plenty other … Read more
West Covina CA Home Insurance Rates
The yearly home insurance cost in West Covina, CA is about $1,100. It’s one of the more expensive rates in California. The state average is only $986/year. And yet it’s also one of the best homeowners insurance rates in the United States. The typical home insurance cost in the country is $1,173/year. If these rates … Read more
Norwalk CA Home Insurance Rates
The average price of homeowners insurance in Norwalk, CA is $1,152.87 per year. It costs more than the state average by $167. But at least it’s $20 less than the national average. Using our comparison tool, we looked at home insurance rates in Norwalk, CA. Based on our analysis: Allstate is the cheapest home insurance … Read more
