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.