Get multiple home insurance quotes in 85350. Our licensed 85350, AZ agents are ready to serve you.

85350 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 85350 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Somerton, AZ. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 85350 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Arizona, like average Somerton homeowners insurance rates, coverage options or home insurance types, please select Somerton, AZ Home Insurance Rates Online!

85350 Home Insurance Average Premiums

Local 85350 homeowners insurance quotes comparison

$415 /yr.

Shows Zip Code: 85350 lowest rates with discounts applied on average.

For the 85350, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$415 /yr.
Average Coverage:$665 /yr.
2600 sq. ft. or higher
(all discounts applied)
$965 /yr.

What is the average home insurance cost for a home in 85350?

  • • The average homeowners insurance premium paid annually for a home in 85350 is around $665 per year.

What does it cost on average per month for home insurance in 85350?

  • • Homeowners in 85350 pay a monthly average cost per month around $55.00.

What kind of discount could I get if I combine my home and auto insurance together in 85350?

  • • Autoowners in 85350 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Somerton area, check out other zip codes nearby 85350.
Review average rates in another zip code:
85350 homeowners insurance rates

Home Replacement Cost Coverage in 85350

Average Building Cost Per Square Foot in 85350: $161

Location: Somerton, Arizona (Yuma County)

Average Square Footage in 85350: 984 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85350 before you start any project. Somerton homeowners pay on average around $161 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 85350 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 85350 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 984 sq. ft. and the average cost to rebuild the home in this area is around $161 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Somerton area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$161984$158,500
Additional Upgrades & Added Features$201984$198,125
Major Home Updates or Advancements$242984$237,750

It's important to understand that when you estimate your replacement cost of your home in the 85350 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 85350

Best Home & Auto Insurance Agencies in 85350

Housing Demographics for 85350

Population Review for 85350 Zip Code

For the city of Somerton, the population within 85350 has increased to over 6,874 residents in population size. The current population total is 18,486. We have broken down the population based on race below. In 85350, there are over 9017 in male population and 9469 females.

PopulationValues
Total Population18,486
White Population4090
Black Population78
Hispanic Population17036
Asian Population63
Hawaiian Population21
Indian Population575
Other Population6419
Male Population9017
Female Population9469
Population Estimate6874

Household Data for 85350

The average number of homes in 85350 is around 5,273, there are an average of 3.50 per household. The average house value according to local real estate values is around $158,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,273
Persons Per Household3.50
Average House Value$158,500
Income Per Household$54681
Median Age31.1
Median Age Male29.8
Median Age Female32.3
85350 DetailsValues
StateAZ
State Full NameArizona
City TypeP
City Alias Abbreviation
Area Code928
CitySomerton
City Alias NameSOMERTON
CountyYuma
County FIPS027
State FIPS04
Time Zone7
Day Light SavingN
MSA9360
PMSA
CSA
CBSA49740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameYuma, AZ
MSA_NameYuma, AZ MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses162
Number Of Employees1656
Business First Quarter Payroll13543
Business Annual Payroll62523
Business Employment Flag
Growth Rank84
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number5120
Growth Increase Percentage2.6
Metropolitan DetailsValues
CBSA Population195751
CBSA Division Population0
Congressional District07|09
Congressional LandArea205.12|164.79
Delivery Residential1964
Delivery Business72
Delivery Total5914
Preferred Last Line KeyZ10846
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ10846
Land Area81.344000
Water Area0.146000
City Alias Code
City Mixed CaseSomerton
City Alias Mixed CaseSomerton
Box Count3759
SFDU1249
MFDU68
State ANSI04
County ANSI027
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number038103
Unique ZIP Name
SSA State County Code03130
Medicare CBSA Code49740
Medicare CBSA NameYuma, AZ
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseYuma

Arizona Homeowners Insurance News & Information

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  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]