Average Homeowner Insurance Rates for Nacogdoches, Texas

Average Annual Insurance Rate
$1996


The Cheapest Homeowner Insurance Rates for Nacogdoches, Texas

Provider Annual Insurance Rate
Lighthouse Property Insurance $832
Texas Farm Bureau $1070
National Specialty Insurance $1087
American Mercury $1163
USAA $1194
Hartford Insurance $1291
Kemper Insurance $1365
Allstate $1405
Allied Property and Casualty $1427
USAA - Garison Property $1431



The Most Popular Home Insurance Providers in Nacogdoches, Texas

Provider Annual Insurance Rate
Liberty Insurance $4639
Nationwide $1767
State Farm $2095
Texas Farmers Insurance $1766



Does credit score affect Nacogdoches home insurance rates?

Credit Score Average Annual Insurance Rate
bad $2556
average $1996
good $1716
Yes! Your credit rating can impact the price you pay for Nacogdoches homeowners Insurance up to $840 per year. Our analysis shows Nacogdoches 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 33% 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 Nacogdoches home insurance rates?

Construction Type Average Annual Insurance Rate
frame $1792
Stucco/Hardie $1670
Brick Veneer $1616
Your home construction style may also impact the price you pay for Nacogdoches homeowners Insurance up to $176 per year. Nacogdoches 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 3% higher rates than homes made with Brick Veneer.


Is homeowners insurance higher for older homes in Nacogdoches?

Residence Age Average Annual Insurance Rate
1 Year(s) Old $1184
10 Year(s) Old $1616
35 Year(s) Old $1852
Your home age impacts the price you pay for Nacogdoches homeowners Insurance up to $668 per year. Nacogdoches home insurance shoppers with older homes pay 56% higher rates than new homes while homeowners with homes less than 30 years old will pay 36% higher rates than new construction homes.