How much is homeowners insurance in Costa Mesa, CA

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

The average cost of homeowners insurance in Costa Mesa is $1,438 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,144 less than the national average of $2,582.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Costa Mesa depend on a number of factors, including:

• Size of your home
• Age of your home
• Amount of coverage you need
• Location
• Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Costa Mesa, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Costa Mesa.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Costa Mesa.

How much is homeowners insurance in Costa Mesa per month

Residents of Costa Mesa pay an average of $120 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $4 more than the state average of $116 and $95 less than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Costa Mesa may change based on location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Costa Mesa

In Costa Mesa, CA, homeowners pay an average of $1,067 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

How much is homeowners insurance for a $300,000 house in Costa Mesa

Based on a rate analysis conducted by Insure.com, Costa Mesa residents pay an average of $1,438 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $371 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Costa Mesa by company

Among the carriers analyzed, CSAA Insurance (AAA) is the most affordable homeowners insurance company in Costa Mesa. It’s average annual rate for homeowners in Costa Mesa is $795, while Allstate ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Costa Mesa and compiled a list of the most affordable home insurance companies.

Below are details of Costa Mesa home insurance companies and their average annual premiums.

Common natural disasters in California that may affect home insurance

Living in California comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in insurance claims. Understanding which natural disasters are most prevalent in your area is key to choosing the right home insurance policy.

Drought, Earthquake, Heat wave, Landslide and Wildfire are some of the most common natural disasters in California that could impact your home insurance rates.

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are often excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance helps pay for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Costa Mesa for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

Shivani Gite

Contributing Writer

 

|

 . .

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

Related Articles

$400K home insurance cost calculator By Zack Sigel

Condo insurance calculator: Estimate the cost of coverage By Jessica Olson

Home insurance for older homes with knob and tube wiring By Erik Martin

How much is condo insurance in 2025? By Sarah Sharkey

Cost of living comparison by state By Chris Kissell

Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel