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.