Average Homeowner Insurance Rates for Dallas, Texas
| Average Annual Insurance Rate |
| $2611 |
The Cheapest Homeowner Insurance Rates for Dallas, Texas
| Provider |
Annual Insurance Rate |
| Lighthouse Property Insurance |
$899 |
| National Specialty Insurance |
$1205 |
| American Mercury |
$1384 |
| USAA |
$1520 |
| Texas Farm Bureau |
$1572 |
| USAA - Garison Property |
$1761 |
| Esureance |
$1823 |
| United Services Auto Assn |
$1885 |
| Homesite Insurance |
$1921 |
| Republic Lloyds |
$1943 |
The Most Popular Home Insurance Providers in Dallas, Texas
| Provider |
Annual Insurance Rate |
| Liberty Insurance |
$4301 |
| Nationwide |
$2525 |
| State Farm |
$2951 |
| Texas Farmers Insurance |
$2115 |
Does credit score affect Dallas home insurance rates?
| Credit Score |
Average Annual Insurance Rate |
| bad |
$3277 |
| average |
$2611 |
| good |
$2280 |
Yes! Your credit rating can impact the price you pay for Dallas homeowners Insurance up to
$997 per year. Our analysis shows Dallas home insurance shoppers with poor credit will pay up to
44% higher rates than shoppers with good credit. Poor credit shoppers will pay rates that are
29% higher than people with average credit and average credit rate shoppers will pay
15% higher rates than shoppers with good credit.
Does Building Construction affect Dallas home insurance rates?
| Construction Type |
Average Annual Insurance Rate |
| frame |
$2381 |
| Stucco/Hardie |
$2218 |
| Brick Veneer |
$2161 |
Your home construction style may also impact the price you pay for Dallas homeowners Insurance up to
$220 per year. Dallas home insurance shoppers with frame style construction pay up to
10% higher rates than homes made with brick while homeowners with homes constructed with Stucco or Hardieboard will pay
3% higher rates than homes made with Brick Veneer.
Is homeowners insurance higher for older homes in Dallas?
| Residence Age |
Average Annual Insurance Rate |
| 1 Year(s) Old |
$1569 |
| 10 Year(s) Old |
$2161 |
| 35 Year(s) Old |
$2466 |
Your home age impacts the price you pay for Dallas homeowners Insurance up to
$897 per year. Dallas home insurance shoppers with older homes pay
57% higher rates than new homes while homeowners with homes less than 30 years old will pay
38% higher rates than new construction homes.