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If you live in the 92324 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Colton have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our CA licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 92324 and then compare quotes from a variety of nationwide insurance companies.

92324 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 92324 the average premium for homeowners coverage is $906 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 92324. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 92324 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Colton, CA home insurance quotes in your area.

92324 Home Insurance Average Premiums

Local 92324 homeowners insurance quotes comparison

$656 /yr.

Shows Zip Code: 92324 lowest rates with discounts applied on average.

For the 92324, 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)
$656 /yr.
Average Coverage:$906 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1206 /yr.

What is the average home insurance cost for a home in 92324?

  • • The average homeowners insurance premium paid annually for a home in 92324 is around $906 per year.

What does it cost on average per month for home insurance in 92324?

  • • Homeowners in 92324 pay a monthly average cost per month around $76.00.

What kind of discount could I get if I combine my home and auto insurance together in 92324?

  • • Autoowners in 92324 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 Colton area, check out other zip codes nearby 92324.
Review average rates in another zip code:
92324 homeowners insurance rates

Home Replacement Cost Coverage in 92324

Average Building Cost Per Square Foot in 92324: $324

Location: Colton, California (San Bernardino County)

Average Square Footage in 92324: 1,006 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 92324 before you start any project. Colton homeowners pay on average around $324 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 92324 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 92324 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,006 sq. ft. and the average cost to rebuild the home in this area is around $324 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 Colton 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$3241,006$326,000
Additional Upgrades & Added Features$4051,006$407,500
Major Home Updates or Advancements$4861,006$489,000

It's important to understand that when you estimate your replacement cost of your home in the 92324 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 92324

Best Home & Auto Insurance Agencies in 92324

Allstate Insurance Companies - Claim Office

Address: 1020 E Washington St Colton, CA 92324
Phone:
Website:
Info:

Gallardo, Veronica - Adriana's Insurance Svc Incorporated

Address: 1163 N Mount Vernon Ave Colton, CA 92324
Phone:
Website: http://www.adrianasinsurance.com/
Info:

Allstate Insurance-G. P. Johnson Insurance Agency

Address: 965 S Mt Vernon Ave Colton, CA 92324
Phone:
Website: http://www.agent.allstate.com/61319
Info:

Housing Demographics for 92324

Population Review for 92324 Zip Code

For the city of Colton, the population within 92324 has increased to over 59,051 residents in population size. The current population total is 58,626. We have broken down the population based on race below. In 92324, there are over 28839 in male population and 29787 females.

PopulationValues
Total Population58,626
White Population14929
Black Population4861
Hispanic Population43221
Asian Population2709
Hawaiian Population163
Indian Population1389
Other Population24634
Male Population28839
Female Population29787
Population Estimate59051

Household Data for 92324

The average number of homes in 92324 is around 17,358, there are an average of 3.34 per household. The average house value according to local real estate values is around $326,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,358
Persons Per Household3.34
Average House Value$326,000
Income Per Household$61070
Median Age32.4
Median Age Male31.5
Median Age Female33.4
92324 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code909/840/951
CityColton
City Alias NameCOLTON
CountySan Bernardino
County FIPS071
State FIPS06
Time Zone8
Day Light SavingY
MSA4472
PMSA6780
CSA348
CBSA40140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameRiverside-San Bernardino-Ontario, CA
MSA_NameLos Angeles-Riverside-Orange County, CA
PMSA_NameRiverside-San Bernardino, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses807
Number Of Employees17269
Business First Quarter Payroll213120
Business Annual Payroll919823
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population4224851
CBSA Division Population0
Congressional District23|33|39|41
Congressional LandArea9898|288.58|204.4|316.54
Delivery Residential17680
Delivery Business1203
Delivery Total19259
Preferred Last Line KeyZ20679
Classification Code
Multi-CountyY
CSA NameLos Angeles-Long Beach, CA
CBSA_DIV_Name
City State KeyZ20679
Land Area27.729000
Water Area0.417000
City Alias Code
City Mixed CaseColton
City Alias Mixed CaseColton
Box Count671
SFDU8572
MFDU3834
State ANSI06
County ANSI071
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number051716
Unique ZIP Name
SSA State County Code05460
Medicare CBSA Code40140
Medicare CBSA NameRiverside-San Bernardino-Ontario, CA
Medicare CBSA TypeMetro
Market Rating Area ID16
County Mixed CaseSan Bernardino

California Homeowners Insurance News & Information

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]