Average Homeowner Insurance Rates for San Marcos, Texas
| Average Annual Insurance Rate |
| $1565 |
The Cheapest Homeowner Insurance Rates for San Marcos, Texas
| Provider |
Annual Insurance Rate |
| Lighthouse Property Insurance |
$581 |
| National Specialty Insurance |
$722 |
| Republic Lloyds |
$943 |
| USAA |
$965 |
| Nationwide |
$1082 |
| Texas Fair Plan |
$1084 |
| Kemper Insurance |
$1093 |
| Texas Farm Bureau |
$1111 |
| USAA - Garison Property |
$1122 |
| National Surety |
$1130 |
The Most Popular Home Insurance Providers in San Marcos, Texas
| Provider |
Annual Insurance Rate |
| Liberty Insurance |
$3428 |
| Nationwide |
$1311 |
| State Farm |
$1886 |
| Texas Farmers Insurance |
$1304 |
Does credit score affect San Marcos home insurance rates?
| Credit Score |
Average Annual Insurance Rate |
| bad |
$1980 |
| average |
$1565 |
| good |
$1352 |
Yes! Your credit rating can impact the price you pay for San Marcos homeowners Insurance up to
$628 per year. Our analysis shows San Marcos home insurance shoppers with poor credit will pay up to
46% higher rates than shoppers with good credit. Poor credit shoppers will pay rates that are
31% 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 San Marcos home insurance rates?
| Construction Type |
Average Annual Insurance Rate |
| frame |
$1367 |
| Stucco/Hardie |
$1276 |
| Brick Veneer |
$1243 |
Your home construction style may also impact the price you pay for San Marcos homeowners Insurance up to
$124 per year. San Marcos 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 San Marcos?
| Residence Age |
Average Annual Insurance Rate |
| 1 Year(s) Old |
$908 |
| 10 Year(s) Old |
$1243 |
| 35 Year(s) Old |
$1426 |
Your home age impacts the price you pay for San Marcos homeowners Insurance up to
$518 per year. San Marcos 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.