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.