Aberdeen Insurance Rates:

Aberdeen, MS home insurance is nearly $771 to $1,050, about $64-$87/month. Our detailed guide reveals consumers can save as much as $364 by getting multiple quotes

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Aberdeen Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $780/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Bath 2220 sqft Primary Residence Constructed In 1941 with Stone Flooring, Tile Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Married Female who is a Freelancer with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $650/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

4 Beds, 4 Bath 1700 sqft Vacation Property Constructed In 1989 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $540/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 3300 sqft Primary Residence Constructed In 1947 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Single Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1140/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 1670 sqft Vacation Property Constructed In 1944 with Stone Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, Swimming Pool, Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Married Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $150/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Bath 3110 sqft Vacation Property Constructed In 1943 with Carpet Flooring, Slate Shingles Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $1550/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 2100 sqft Primary Residence Constructed In 1941 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Married Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1300/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 1910 sqft Seasonal Residence Constructed In 1970 with Stone Flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Divorced Male who is Retired with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

Home Insurance Rate of $110/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

5 Beds, 5 Baths 2430 sqft Vacation Property Constructed In 1973 with Carpet Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Single Male who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $710/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

4 Beds, 4 Baths 1870 sqft Rental Property Constructed In 1945 with Ceramic Tile Flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Single Male who is Retired with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $470/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $130,000

5 Beds, 5 Baths 2010 sqft Primary Residence Constructed In 1987 with Wood Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Aberdeen, MS Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
39730 $75,800 $920

Aberdeen Rates & Quotes Analysis:

Aberdeen Area Estimated House Insurance
Sunset Point Dr, Cantrell Ln, Halfway Cir, Houston St, Robbie Gregg Dr, McKinley Creek Rd, County Home Rd, Hwy 382, Warren St, Church St$912
Weaver Creek Rd, Doris St, West Dr, Greenwood Springs Rd, Pullen Lake Rd, Old West Cir, Prairie Rd, Old Hwy 8, Old Houston Ln, Air Base Rd$923
Franks Rd S, Rye Rd, W Monroe St, Jackson Ln, Everett Ln, Shady Oak Dr, Hartley Dr, S Boundary St, Darracott Rd, S James St$904
S Maple St, Guyton Dr, Airport Rd, N Thayer Ave, Hwy 278 E, Elk Cir, Old Cedar Dr, Acker Rd, Mobile St, Webb Rd$926
Grove St, Burns Cemetery Exn, Well St, Blanchard Ln, Parkview Dr, Lakeview Dr, Clinton Dr, Murphree Cir, W Jefferson St, W Canal St$917

Insurance rates are influenced by a number of factors including:

  • Year Built: 726 Homes (29% of total homes ) built between 1960 to 1969 in Aberdeen are paying home insurance between $1,595-$1,609. Places close to Aberdeen, MS such as Hamilton, West Point, Caledonia are more expensive by $59, $12, $61 respectively while Columbus AFB and Okolona are cheaper by $82 and $18 respectively for similar homes.
  • Bedrooms: 607 2 bedrooms homes (24% of total homes ) in Aberdeen are paying about $711. Areas near to Aberdeen such as Hamilton, Amory, Caledonia are costlier by $17, $3, $18 respectively whereas Monroe County and New Hamilton are more economical by $5, $12 respectively for similar homes.
  • Auto Insurance Bundling: 567 Households (39% of all households) in Aberdeen have 2 vehicles available and when it is bundled with home insurance you can save $182 in contrast with Monroe County ($183), New Hamilton ($181), Hamilton ($189).
  • Senior Discounts: 852 seniors (more than 55 years) occupied housing units (58% of total) in Aberdeen get discounts between $135 to $137. The comparative concessions in proximate regions such as Monroe County, New Hamilton and Hamilton are $137, $136 and $141 respectively.
  • New Homes discounts: New homes such as the 606 homes built between 2000 to 2009 in Aberdeen can save $182 and similar new home insurance discounts in nearby towns and cities like Monroe County, New Hamilton and Hamilton are $183, $181 and $189 respectively.

Aberdeen Homeowners insurance Facts

  • Aberdeen, MS has 1,451 owner occupied houses which is 66.7% of all units whereas Monroe County, New Hamilton and Hamilton have 77.5%, 66.79% and 96.9% respectively.
  • Aberdeen, MS homeowners yearly insurance price at $911 is 1.27% of the typical house value of $72,000 which is in contrast with 1.14% in Monroe County, 1.36% at New Hamilton & 0.75% in Hamilton.
  • Homeowners in Aberdeen, MS pay 7.29% of their income ($10,000 to $14,999) in insurance whereas homeowners in Monroe County, New Hamilton and Hamilton pay 7.33%, 7.26% and 7.56% respectively.
  • Aberdeen, MS’s insurance is 8.7% of monthly housing costs of $871/month, for owners with a mortgage compared to 8.41% in Monroe County, 6.2% at Hamilton & 8.32% in Amory. But, for households without a mortgage, insurance is 22.8% of costs ($333 in Aberdeen, MS) in contrast with 25.19% in Monroe County, 24.76% at Hamilton & 27.33% in Amory.

Aberdeen, MS Home Values & Insurance rates

For example, insurance for 125 Homes (8.0% of total homes ) valued between $80,000 to $89,999 in Aberdeen, MS is about $1,074. Rates in nearby areas in such as Monroe County, Hamilton, Amory are cheaper by $104, $441, $86 respectively while New Hamilton and Okolona are costlier by $77 and $339 respectively for similar homes.

Aberdeen, MS Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 396 27.0% $309
$50,000 to $59,999 132 9.0% $655
$60,000 to $69,999 164 11.0% $819
$70,000 to $79,999 170 11.0% $947
$80,000 to $89,999 125 8.0% $1074
$90,000 to $99,999 46 3.0% $1193
$100,000 to $124,999 163 11.0% $1384
$125,000 to $149,999 20 1.0% $1730
$150,000 to $174,999 49 3.0% $2049
$175,000 to $199,999 53 3.0% $2368
$200,000 to $249,999 63 4.0% $2851
$250,000 to $299,999 18 1.0% $3480
$300,000 to $399,999 36 2.0% $4427

Renters Insurance in Aberdeen

  • Average Renters Insurance in Aberdeen :  $258($21/month)

  • Median Gross Rent in Aberdeen :  $507

  • Aberdeen Renters Insurance to Median Rent Ratio:  4.14%

  • Renter occupied housing units in Aberdeen :  726

Aberdeen Renters Insurance as a Percentage of Rent

Aberdeen Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 69 11.0% $364
$200 to $299 67 11.0% $814
$300 to $499 144 24.0% $1264
$500 to $749 228 39.0% $1939
$750 to $999 50 8.0% $2689
$1,000 to $1,499 19 3.0% $3814

Rent Affordability in Aberdeen:

Approximately 50.0% (365) of households are spending more than 35% of their income on gross rent in Aberdeen

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 77 10.0%
15.0 to 19.9 percent 51 7.0%
20.0 to 24.9 percent 99 13.0%
25.0 to 29.9 percent 70 9.0%
30.0 to 34.9 percent 64 8.0%
35.0 percent or more 365 50.0%

Aberdeen Renters Insurance Discounts:

Aberdeen Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Aberdeen, MS Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 353 48.0% $25.8
2 vehicles available 142 19.0% $38.7
3 or more vehicles available 14 1.0% $51.6

Protective device discount in Aberdeen Up to :  $38

Claims-free discount in Aberdeen Up to :  $51

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