In Santa Clarita, Farmers offers the best home insurance, balancing affordability, customer service and coverage options. For those prioritizing price, Farmers provides the lowest premium at $99 per month.
Cheap Home Insurance in Santa Clarita
Updated: June 12, 2025
Advertising & Editorial Disclosure
Key Takeaways
For homeowners in Santa Clarita, Farmers provides the best overall value and the most affordable coverage at $1,185 annually.
Home insurance in Santa Clarita costs an average of $155 per month, or $1,857 per year.
To find the right home insurance in Santa Clarita, assess how much coverage you need, research insurers and compare multiple quotes.
Best Cheap Home Insurance Companies in Santa Clarita
| Farmers | 85 | $99 | $1,185 |
| State Farm | 75 | $153 | $1,840 |
| Allstate | 75 | $123 | $1,477 |
| Travelers | 71 | $159 | $1,908 |
| Chubb | 62 | $214 | $2,564 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Santa Clarita Home Insurance Cost?
Home insurance costs in Santa Clarita vary by personal profile, coverage level and home details. Rates range from $44 to $576 per month. Below, you can compare personalized rates based on your home's age and desired coverage level.
Data filtered by:Results filtered by:
Select
Age of Home:Newer Home
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $44 | $530 |
How to Get the Best Cheap Home Insurance in Santa Clarita
Finding affordable home insurance in Santa Clarita can be challenging. We've put together a step-by-step guide to help you discover the best cheap homeowners insurance tailored to your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in California for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis helps you identify the cheaper option for you. Pricing also varies depending on where you get your quote. We recommend getting quotes from online tools, independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Santa Clarita: Bottom Line
The best and most affordable home insurance companies in Santa Clarita are Farmers, Allstate and State Farm. While these are our top picks, compare multiple quotes yourself to ensure you're getting the best rate.
Santa Clarita Home Insurance: FAQ
We answer common questions about home insurance in Santa Clarita below.
Who offers the best home insurance in Santa Clarita?
Farmers is the top home insurance provider in Santa Clarita, offering low rates, excellent customer service and a wide range of optional coverages. Also consider getting quotes from State Farm, Allstate, Travelers and Chubb.
Who has the cheapest home insurance in Santa Clarita?
Farmers has the most affordable home insurance in Santa Clarita, costing $99 per month or $1,185 annually. Rates can differ vastly based on individual circumstances and chosen coverages.
What does home insurance cost in Santa Clarita?
Home insurance costs in Santa Clarita range from $530 to $6,915 annually, depending on home age and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in Santa Clarita
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Santa Clarita. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.