Morro Bay is a waterfront city in San Luis Obispo County.  In 2000, it had a population of 10,350.  Morro Bay is located at 35°22′45″N 120°51′12″W / 35.37917°N 120.85333°W .  Morro Bay is famous for Morro Rock, which is a 176 m high volcanic plug.

Health Care & Morro Bay, CA Health Insurance

According to the Environment Protection Agency (EPA), the air quality in Morro Bay, CA has a score of 31 on a scale of 100 (higher being better).  The water quality is 30 on a scale of 100 (USA average is 55).  There are 244 physicians per capita in Morro Bay, which is much higher than the USA average of 169.7.  For more information on Morro Bay Health Insurance, please contact our office, or fill out a free health insurance quote online.

Factors that influence Morro Bay, CA Auto Insurance Rates

Morro Bay Insurance

Morro Bay Insurance

One thing that affects your insurance rates is the geographic area that you live and drive in.

Morro Bay residents drive their cars frequently.  A majority of residents drive alone to work (75%), 12% carpool, 0% take public transit, and 8% work from home.  The average commute time to work is 22.6 minutes (USA average = 27.4 minutes).

In Morro Bay, 6.3% of households do not own a car.  46.2% own 1 car, 36.5% own 2 cars, and 11% own 3 cars or more.

To find out exactly what you would have to pay for auto insurance in Morro Bay, please fill out one of our free online auto insurance quote
forms.

Do you Need Renters Insurance in Morro Bay, CA?

In Morro Bay, 45% of residents are renters.  It is very important to make sure your contents are covered if you are a renter. Usually renters insurance is very inexpensive coverage.  The median rent paid in Morro Bay is $1,192/month.  To find out how you can get renters insurance coverage, please fill out one of our free online renters insurance quote forms.

Factors that affect Morro Bay, CA Home Insurance rates

Sometimes the weather of a particular region can affect home insurance rates.  For example, houses near the ocean are priced higher due to higher changes of floods.  Similarly, areas with more temperate weather conditions are not exposed to those risks and may have more affordable home insurance rates.  California currently ranks 7th out of all states for the highest home insurance rates (1 being the highest).

Morro Bay gets 17 inches of rain each year, which is lower than the US average of 37.  This means residents may not be as prone to issues like flooding when compared to other areas.  There are 284 sunny days in Morro Bay per year and in July, the temperature usually reaches a high of 65 degrees.  The low in January is 42 degrees.

Another thing that affects home insurance rates is the value of the home that you are insuring.  In Morro Bay, the median house value is $612,797.  This is higher than the California average of $532,300.

To find out how much it would cost to insure your house, fill out one of our free online home insurance quote forms.