Homeowners insurance in Vallejo, CA

How much is home insurance in Vallejo, CA?

The average cost of homeowners insurance in Vallejo varies depending on the coverage level you choose. Homeowners insurance costs $886 per year for dwelling coverage of $200,000 and $1,187 for $300,000 of dwelling coverage.

Below are the average annual and monthly Vallejo home insurance rates for different amounts of dwelling coverage.

Coverage level (Dwelling)	Average annual rate	Average monthly rate
$200,000	$886	$74
$300,000	$1,187	$99
$400,000	$1,490	$124
$600,000	$2,178	$182
$1,000,000	$3,598	$300

Read our methodology

Note: For the above rates, the deductible amount is $1,000 and liability protection is $100,000.

Home insurance rates in Vallejo by deductible

Home insurance rates in Vallejo vary based on the deductible you choose. If you pick a higher deductible, your monthly insurance premium will be lower, while a lower deductible, means lower premiums because the insurance company will pay more if you file a claim, and the odds of you filing a smaller claim are higher.

The table below lists the home insurance rates by deductible in Vallejo.

Deductible	Company	Average annual premium	Average monthly premium
$1,000	Allstate	$730	$61
$1,000	Travelers	$923	$77
$1,000	Mercury Insurance	$1,119	$93
$1,000	Nationwide	$1,135	$95
$1,000	State Farm	$1,150	$96
$1,000	CSAA Insurance (AAA)	$1,154	$96
$1,000	Auto Club Enterprises (AAA)	$1,345	$112
$1,000	Nationwide	$1,395	$116
$1,000	Farmers Insurance	$1,535	$128
$500	Allstate	$752	$63
$500	Travelers	$1,023	$85
$500	Nationwide	$1,201	$100
$500	Mercury Insurance	$1,257	$105
$500	CSAA Insurance (AAA)	$1,357	$113
$500	Auto Club Enterprises (AAA)	$1,539	$128
$500	Farmers Insurance	$1,659	$138
$2,000	Allstate	$694	$58
$2,000	Travelers	$743	$62
$2,000	Mercury Insurance	$876	$73
$2,000	State Farm	$1,025	$85
$2,000	CSAA Insurance (AAA)	$1,039	$87
$2,000	Nationwide	$1,177	$98
$2,000	Auto Club Enterprises (AAA)	$1,255	$105
$2,000	Farmers Insurance	$1,384	$115
$2,500	Allstate	$681	$57
$2,500	Travelers	$743	$62
$2,500	Mercury Insurance	$876	$73
$2,500	State Farm	$975	$81
$2,500	CSAA Insurance (AAA)	$1,010	$84
$2,500	Nationwide	$1,134	$95
$2,500	Auto Club Enterprises (AAA)	$1,220	$102
$2,500	Farmers Insurance	$1,355	$113
$3,000	Allstate	$669	$56
$3,000	Travelers	$729	$61
$3,000	Mercury Insurance	$840	$70
$3,000	State Farm	$975	$81
$3,000	CSAA Insurance (AAA)	$981	$82
$3,000	Nationwide	$1,157	$96
$3,000	Auto Club Enterprises (AAA)	$1,220	$102
$3,000	Farmers Insurance	$1,338	$112
$4,000	Allstate	$629	$52
$4,000	Travelers	$729	$61
$4,000	Mercury Insurance	$818	$68
$4,000	Nationwide	$918	$77
$4,000	CSAA Insurance (AAA)	$938	$78
$4,000	State Farm	$946	$79
$4,000	Auto Club Enterprises (AAA)	$1,185	$99
$4,000	Farmers Insurance	$1,212	$101
$5,000	Allstate	$629	$52
$5,000	Travelers	$688	$57
$5,000	Mercury Insurance	$710	$59
$5,000	State Farm	$906	$76
$5,000	CSAA Insurance (AAA)	$909	$76
$5,000	Nationwide	$918	$77
$5,000	Farmers Insurance	$1,168	$97
$5,000	Auto Club Enterprises (AAA)	$1,185	$99
$1,000	USAA	$1,006	$84
$500	USAA	$1,066	$89
$2,000	USAA	$922	$77
$2,500	USAA	$922	$77
$3,000	USAA	$857	$71
$4,000	USAA	$801	$67
$5,000	USAA	$801	$67

Read our methodology

Cheapest homeowners insurance companies in Vallejo

According to our analysis, Allstate is the most affordable home insurance provider in Vallejo, with an average yearly cost of $557.

Price is a big factor when choosing home insurance, and costs in Vallejo can vary a lot between companies. While saving money is important, it’s also a good idea to consider each company's reputation before making a decision.

The table below lists the cheapest home insurance companies in Vallejo.

Company	Average annual cost
Allstate	$557
Travelers	$636
CSAA Insurance (AAA)	$817
Auto Club Enterprises (AAA)	$887
Mercury Insurance	$887
State Farm	$936
Farmers	$989
Nationwide	$1,100
USAA	$827

Read our methodology

Homeowners insurance cost in Vallejo by credit rating

The average home insurance cost for homeowners is $1,187 per year for dwelling coverage of $300,000, based on our data analysis. In California, credit scores do not directly affect homeowners insurance rates due to state regulations prohibiting the use of credit-based insurance scores for setting insurance premiums. It means that, unlike many other states, your credit history won't impact the cost of your homeowners insurance.

In states where credit scores influence homeowners insurance costs, individuals with lower credit scores often face higher premiums.

How can you save on homeowners insurance in Vallejo?

If you’re looking to save on your homeowners insurance, the best way is comparing quotes from multiple insurers. Homeowners insurance companies offer a variety of different discounts to help you lower insurance costs. Here are a few common ones.

Home and auto bundle discount (multi-policy)

One of the easiest ways to get cheaper home insurance in Vallejo is the multi-policy discount, also known as bundling. If you purchase your home and auto insurance from the same company, you can save an average of $147 a year.

“It’s not always the better option, but more times than not it is because if you bundle usually, you get a 10-20% discount on both policies,” says Josiah Hatch, owner and CEO at Bender Hatch Insurance in Boston.

Loyalty discount

Staying with the same insurance company can earn you a loyalty discount, which could save you around $88 annually on your home insurance in Vallejo.

Security equipment discounts

Insurance companies offer discounts to homeowners for installing safety and security equipment, like a fire alarm or burglar alarm. If you install a fire alarm at your home, you can get a discount of $44 a year on average from your insurer.

New home discount

If you buy new construction, you can get a new home discount of $465 a year on average in Vallejo.

Methodology

Insurance.com compared homeowners insurance rates provided by Quadrant Information Services in 2023 for around 29,000 cities in all states and Washington D.C for $200,000 and $300,000 in dwelling coverage with $100,000 in liability and a $1,000 deductible. The rates were analyzed for almost 34,000 ZIP codes for those with good credit ratings. Content has been updated in 2024.