Average Homeowner Insurance Rates for Decatur, Texas

Average Annual Insurance Rate
$2887

The Cheapest Homeowner Insurance Rates for Decatur, Texas

Provider	Annual Insurance Rate
Lighthouse Property Insurance	$973
National Specialty Insurance	$1430
USAA	$1537
Kemper Insurance	$1617
USAA - Garison Property	$1797
Hartford Insurance	$1877
Texas Farm Bureau	$1923
United Services Auto Assn	$1924
Nationwide	$1965
USAA	$2072

The Most Popular Home Insurance Providers in Decatur, Texas

Provider	Annual Insurance Rate
Liberty Insurance	$4339
Nationwide	$1965
State Farm	$3899
Texas Farmers Insurance	$2229

Does credit score affect Decatur home insurance rates?

Credit Score	Average Annual Insurance Rate
bad	$3650
average	$2887
good	$2511

Yes! Your credit rating can impact the price you pay for Decatur homeowners Insurance up to $1139 per year. Our analysis shows Decatur home insurance shoppers with poor credit will pay up to 45% higher rates than shoppers with good credit. Poor credit shoppers will pay rates that are 30% 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 Decatur home insurance rates?

Construction Type	Average Annual Insurance Rate
frame	$2634
Stucco/Hardie	$2435
Brick Veneer	$2332

Your home construction style may also impact the price you pay for Decatur homeowners Insurance up to $302 per year. Decatur home insurance shoppers with frame style construction pay up to 13% 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 Decatur?

Residence Age	Average Annual Insurance Rate
1 Year(s) Old	$1699
10 Year(s) Old	$2332
35 Year(s) Old	$2664

Your home age impacts the price you pay for Decatur homeowners Insurance up to $965 per year. Decatur home insurance shoppers with older homes pay 57% higher rates than new homes while homeowners with homes less than 30 years old will pay 37% higher rates than new construction homes.