Average Homeowner Insurance Rates for Wichita Falls, Texas
| Average Annual Insurance Rate |
| $2862 |
The Cheapest Homeowner Insurance Rates for Wichita Falls, Texas
| Provider |
Annual Insurance Rate |
| Lighthouse Property Insurance |
$1116 |
| Nationwide |
$1630 |
| USAA |
$1653 |
| Hartford Insurance |
$1677 |
| Allied Property and Casualty |
$1720 |
| American Mercury |
$1861 |
| USAA - Garison Property |
$1908 |
| Nationwide |
$1961 |
| National Specialty Insurance |
$1970 |
| United Services Auto Assn |
$2059 |
The Most Popular Home Insurance Providers in Wichita Falls, Texas
| Provider |
Annual Insurance Rate |
| Liberty Insurance |
$4222 |
| Nationwide |
$1630 |
| State Farm |
$3761 |
| Texas Farmers Insurance |
$2822 |
Does credit score affect Wichita Falls home insurance rates?
| Credit Score |
Average Annual Insurance Rate |
| bad |
$3593 |
| average |
$2862 |
| good |
$2485 |
Yes! Your credit rating can impact the price you pay for Wichita Falls homeowners Insurance up to
$1108 per year. Our analysis shows Wichita Falls 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
29% 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 Wichita Falls home insurance rates?
| Construction Type |
Average Annual Insurance Rate |
| frame |
$2643 |
| Stucco/Hardie |
$2434 |
| Brick Veneer |
$2363 |
Your home construction style may also impact the price you pay for Wichita Falls homeowners Insurance up to
$280 per year. Wichita Falls home insurance shoppers with frame style construction pay up to
12% 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 Wichita Falls?
| Residence Age |
Average Annual Insurance Rate |
| 1 Year(s) Old |
$1703 |
| 10 Year(s) Old |
$2363 |
| 35 Year(s) Old |
$2653 |
Your home age impacts the price you pay for Wichita Falls homeowners Insurance up to
$950 per year. Wichita Falls home insurance shoppers with older homes pay
56% higher rates than new homes while homeowners with homes less than 30 years old will pay
39% higher rates than new construction homes.