Average Homeowner Insurance Rates for Athens, Texas

Average Annual Insurance Rate
$2205


The Cheapest Homeowner Insurance Rates for Athens, Texas

Provider Annual Insurance Rate
Lighthouse Property Insurance $924
Texas Farm Bureau $1011
National Specialty Insurance $1138
USAA $1333
Hartford Insurance $1534
Esureance $1566
USAA - Garison Property $1586
Republic Lloyds $1612
Travelers Insurance $1669
United Services Auto Assn $1673



The Most Popular Home Insurance Providers in Athens, Texas

Provider Annual Insurance Rate
Liberty Insurance $4353
Nationwide $1935
State Farm $2402
Texas Farmers Insurance $1969



Does credit score affect Athens home insurance rates?

Credit Score Average Annual Insurance Rate
bad $2821
average $2205
good $1899
Yes! Your credit rating can impact the price you pay for Athens homeowners Insurance up to $922 per year. Our analysis shows Athens home insurance shoppers with poor credit will pay up to 49% higher rates than shoppers with good credit. Poor credit shoppers will pay rates that are 32% higher than people with average credit and average credit rate shoppers will pay 16% higher rates than shoppers with good credit.

Does Building Construction affect Athens home insurance rates?

Construction Type Average Annual Insurance Rate
frame $2004
Stucco/Hardie $1873
Brick Veneer $1803
Your home construction style may also impact the price you pay for Athens homeowners Insurance up to $201 per year. Athens home insurance shoppers with frame style construction pay up to 11% higher rates than homes made with brick while homeowners with homes constructed with Stucco or Hardieboard will pay 4% higher rates than homes made with Brick Veneer.


Is homeowners insurance higher for older homes in Athens?

Residence Age Average Annual Insurance Rate
1 Year(s) Old $1310
10 Year(s) Old $1803
35 Year(s) Old $2078
Your home age impacts the price you pay for Athens homeowners Insurance up to $768 per year. Athens home insurance shoppers with older homes pay 59% higher rates than new homes while homeowners with homes less than 30 years old will pay 38% higher rates than new construction homes.