How much is renters insurance in Santa Clarita, CA

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In Santa Clarita, the average cost of renters insurance is $305 annually for $40,000 in personal property, $300,000 in liability and a $1,000 deductible. It is $34 more than the state average of $271 per year.

Renters insurance costs can vary based on the coverage you choose and the amount of liability protection included in your policy. If you’re living in a rental, it’s a smart way to protect your personal belongings from things like fire, smoke, theft, vandalism, and other covered incidents.

Let’s take a look at the cheapest renters insurance options in Santa Clarita.

Key Takeaways

Renters insurance in Santa Clarita costs an average of $305 per year or $25 monthly.
Mercury Insurance offers the cheapest renters in Santa Clarita, with a monthly premium of $13.
Renters can save more on insurance by taking advantage of discounts, including those for having a security system or bundling policies.

What is the average cost of renters insurance per month in Santa Clarita?

The average monthly cost of renters insurance in Santa Clarita is $25, which is $2 more than the state average of $23. This rate is for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Renters insurance rates vary by city depending on the coverage and the insurance company you choose. For example, renters in Santa Clarita pay $21 monthly for $20,000 in personal property coverage with a $1,000 deductible. If you increase your personal property coverage to $40,000, the cost will rise by $4.

Higher coverage limits are recommended if you own valuable items like jewelry, furniture, and electronics.

How much is renters insurance in Santa Clarita by deductible?

Renters insurance in Santa Clarita costs an average of $262 per year for a $500 deductible and $20,000 in personal property coverage.

The deductible is the amount you pay before your insurance coverage applies. By increasing your deductible, you can lower your insurance premium. For instance, raising your deductible from $500 to $1,000 will save you $13 annually.

The table below shows renters insurance premiums for varying personal property coverage and deductible amounts.

Deductible	$20,000 personal property	$40,000 personal property	$60,000 personal property
$500	$262	$324	$387
$1,000	$249	$305	$361

Note: The liability protection coverage is $100,000.

Who offers cheap renters insurance in Santa Clarita?

Your search for affordable renters insurance ends here.

Mercury Insurance has the lowest rates in Santa Clarita, with an annual premium of $155 a year or $13 per month. Based on our data, Farmers and Auto Club Enterprises (AAA) also offer cheap rates.

Below, you’ll find the average annual and monthly rates for cheap renters insurance companies in Santa Clarita.

Renter insurance provider	Average annual rate	Average per month rate
Mercury Insurance	$155	$13
Farmers	$191	$16
Auto Club Enterprises (AAA)	$211	$18
State Farm	$254	$21
CSAA Insurance (AAA)	$265	$22
Allstate	$296	$25
Travelers	$339	$28
Nationwide	$656	$55
USAA*	$265	$22

*USAA is only available to military community members and their families.

How to lower the cost of renters insurance

Follow these tips to reduce the cost of your renters insurance in Santa Clarita:

Bundle policies. If you have other insurance policies, such as car insurance, consider bundling them with the same company. Many insurers in Santa Clarita provide discounts for bundled policies.

Increase your deductible. A higher deductible can lower your premium in Santa Clarita, but make sure you’re comfortable with the potential out-of-pocket costs if you file a claim.

Choose the right coverage amount. Review your renters insurance policy regularly to ensure you aren’t paying for unnecessary coverage, such as excess personal property coverage if you don’t own many valuables.

Avoid filing too many claims. Filing frequent small claims can increase your rates. It might be worth paying for minor damages out-of-pocket instead of using your insurance.
Compare quotes. Don’t accept the first quote you get. Shop around and compare renters insurance rates from different insurers in Santa Clarita to find the best deal.

Renters in Santa Clarita should purchase renters insurance to protect their belongings and financial health. The cost of coverage varies based on your location, coverage limits and individual circumstances. To find the best deal, evaluate your coverage needs, compare quotes from different providers and take advantage of any available discounts.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Santa Clarita in 2023 for $40,000 personal property coverage, $300,000 liability coverage, and a $1,000 deductible. The data presented are those with a good credit tier alignment.

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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.