Aberdeen Insurance Rates:

Aberdeen, SD home insurance is approximately $564 to $767, about $47-$63/month. Our all inclusive research shows customers can save as much as $266 by comparing many quotes

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Aberdeen Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $470/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Bath 2250 sqft Vacation Property Constructed In 1967 with Wood Flooring, Metal Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $440/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 1670 sqft Rental Property Constructed In 1947 with Stone Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $360/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $135,000

2 Beds, 2 Bath 1740 sqft Vacation Property Constructed In 1987 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $600/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $420,000

5 Beds, 5 Baths 4870 sqft Rental Property Constructed In 1946 with Wood Flooring, Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Fireplace, Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $700/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Baths 3000 sqft Primary Residence Constructed In 1989 with Hardwood Flooring, Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 3010 sqft Rental Property Constructed In 1976 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $140/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Bath 2000 sqft Rental Property Constructed In 1949 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $260/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Baths 1420 sqft Vacation Property Constructed In 1974 with Hardwood Flooring, Tile Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $950/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Baths 3350 sqft Vacation Property Constructed In 1986 with Wood Flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Single Male who is Retired with household income of less than $25,000 and has 1 Pet and is a Smoker

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

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $950/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Baths 1950 sqft Seasonal Residence Constructed In 1979 with Stone Flooring, Metal Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Aberdeen, SD Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
57401 $137,400 $670

Aberdeen Rates & Quotes Analysis:

Aberdeen Area Estimated House Insurance
S 2nd St, SW 43rd Ave, Co Rd 14 N, 18th Ave NE, S Merton St, 4th Ave SE, Mackenzie Ave SE, S Elm St, Mel Ros Dr, Rolling Meadows Dr$671
Co Hwy 12, S 9th St, S Vivian St, Co Rd 14 E, 2nd Curve, 8th Ave NW, Auto Plaza Dr, Thomas Dr, 17th Ave NE, N 4th St$670
N Jay St, Glenwood Ln, 8th Curve, 3rd Ave NE, Warren Dr, 3rd Ave NW, Pontiac Dr, Country Aire Est, S Main St, S 7th St$660
50th Ave SW, 5th Ave SE, S Illinois St, Prospect Ave SE, S 16th St, E Melgaard Rd, Corporation St, Prairewood Cir, Marcie Cir, Appollo Ave$671
N Harvard St, 5th Ave SW, Goodrich Ave SE, 16th Ave SE, Diamond St, S Congress St, 15th Ave NE, S 1st St, 12th Ave NE, S Boyd St$671

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,666 Homes (13% of total) built between 1960 to 1969 in Aberdeen are paying home insurance between $1,164-$1,174 compared to Lincoln (+$21), Warner (+$46), Cortlandt (+$71), Westport (-$40) and Pembrook (-$39).
  • Bedrooms: 3,790 3 bedrooms homes (32% of total homes ) in Aberdeen are paying about $592. Areas near to Aberdeen such as Prairiewood, Bath, Bath Corner are costlier by $40, $4, $9 respectively whereas Cambria and Westport are more economical by $9, $20 respectively for similar homes.
  • Auto Insurance Bundling: 3,424 Households (47% of all households) in Aberdeen have 2 vehicles available and when it is bundled with home insurance you can save $133 and differs from Prairiewood ($141), Bath ($133), Ordway ($133).
  • Senior Discounts: 3,213 seniors (more than 55 years) occupied housing units (44% of total) in Aberdeen get discounts between $99 to $102. The comparative concessions in proximate regions such as Prairiewood, Bath and Lincoln are $106, $100 and $101 respectively.
  • New Homes discounts: New homes such as the 3,593 homes built between 2000 to 2009 in Aberdeen can save $133 compared to Prairiewood ($141), Bath ($133), Bath Corner ($133).

Aberdeen Homeowners insurance Facts

  • Aberdeen, SD has 7,159 owner occupied houses which is 64.9% of all units whereas Prairiewood, Bath and Bath Corner have 100.0%, 93.17% and 100.0% respectively.
  • Aberdeen, SD homeowners yearly insurance price at $665 is 0.5% of the typical house value of $133,200 which is in contrast with 0.29% in Prairiewood, 0.47% at Bath & 0.49% in Bath Corner.
  • Homeowners in Aberdeen, SD pay 2.42% of their income ($25,000 to $29,999) in insurance whereas homeowners in Bath, Ordway and Warner pay 2.43%, 2.43% and 2.52% respectively.
  • Aberdeen, SD’s insurance is 4.9% of monthly housing costs of $1,130/month, for owners with a mortgage compared to 4.17% in Prairiewood, 4.64% at Bath & 6.33% in Ordway. But, for households without a mortgage, insurance is 12.6% of costs ($441 in Aberdeen, SD) in contrast with 10.78% in Prairiewood, 10.91% at Bath & 10.49% in Ordway.

Aberdeen, SD Home Values & Insurance rates

For example, insurance for 894 Homes (12.0% of total homes ) valued between $100,000 to $124,999 in Aberdeen, SD is about $545. Rates in nearby areas in such as Bath, Bath Corner, Ordway are cheaper by $24, $12, $12 respectively while Brown County and Cambria are costlier by $6 and $128 respectively for similar homes.

Aberdeen, SD Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 685 9.0% $119
$50,000 to $59,999 147 2.0% $259
$60,000 to $69,999 323 4.0% $319
$70,000 to $79,999 283 4.0% $372
$80,000 to $89,999 514 7.0% $418
$90,000 to $99,999 396 5.0% $472
$100,000 to $124,999 894 12.0% $545
$125,000 to $149,999 1,042 14.0% $684
$150,000 to $174,999 1,001 14.0% $804
$175,000 to $199,999 455 6.0% $931
$200,000 to $249,999 629 8.0% $1123
$250,000 to $299,999 325 4.0% $1369
$300,000 to $399,999 340 4.0% $1742

Renters Insurance in Aberdeen

  • Average Renters Insurance in Aberdeen :  $130($10/month)

  • Median Gross Rent in Aberdeen :  $508

  • Aberdeen Renters Insurance to Median Rent Ratio:  1.97%

  • Average household size of renter-occupied unit :  1.75

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 $200 259 6.0% $332
$200 to $299 367 9.0% $782
$300 to $499 1,173 31.0% $1232
$500 to $749 1,236 33.0% $1907
$750 to $999 420 11.0% $2657
$1,000 to $1,499 199 5.0% $3782
$1,500 or more 50 1.0% $5432

Rent Affordability in Aberdeen:

Approximately 35.0% (1,372) 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 882 22.0%
15.0 to 19.9 percent 592 15.0%
20.0 to 24.9 percent 542 13.0%
25.0 to 29.9 percent 326 8.0%
30.0 to 34.9 percent 159 4.0%
35.0 percent or more 1,372 35.0%

Aberdeen Renters Insurance Discounts:

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

Number of Vehicles in Aberdeen, SD Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 1,865 48.0% $13.0
2 vehicles available 992 25.0% $19.5
3 or more vehicles available 233 6.0% $26.0

Aberdeen Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 305 7.0% $50
60 to 64 years 233 6.0% $40
65 to 74 years 354 9.0% $33
75 years and over 736 19.0% $25

Protective device discount in Aberdeen Up to :  $19

Claims-free discount in Aberdeen Up to :  $26

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