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.

In Costa Mesa, homeowners pay an average annual rate of $1,438 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $1,144 less than the national average of $2,582.

Homeowners insurance premiums can vary significantly from one property to another. In Costa Mesa, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Costa Mesa, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Costa Mesa.

Key takeaways

In Costa Mesa, homeowners insurance costs $1,438 annually.
CSAA Insurance (AAA) offers the most affordable homeowners insurance in Costa Mesa with an average annual premium of $795.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $371 higher.

How much is homeowners insurance in Costa Mesa per month

According to Insure.com’s rate analysis, residents of Costa Mesa pay an average of $120 per month for homeowners insurance. This is $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 can vary depending on your location, property value, and selected coverage options.

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

The average cost of homeowners insurance in Costa Mesa, CA is $1,067 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

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

According to a rate analysis by Insure.com, homeowners in Costa Mesa pay an average of $1,438 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $371 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, 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, offering an average annual rate of $795.

Allstate ranks second, while Auto Club Enterprises (AAA) holds the third spot with an average annual rate of $1,078.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Costa Mesa and compiled a list of the most affordable options.

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

Home insurance company	Annual rate
CSAA Insurance (AAA)	$795
Allstate	$937
Auto Club Enterprises (AAA)	$1,078
Travelers	$1,168
State Farm	$1,350
Nationwide	$1,483
Mercury Insurance	$1,672
Farmers	$1,952
USAA*	$1,309

Methodology

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