Abilene Insurance Rates:

Abilene, TX home insurance is nearly $865 to $1,171, about $72-$97/month. Our all inclusive research shows customers can save as much as $407 by comparing multiple quotes

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Abilene Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $340/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Bath 2120 sqft Seasonal Residence Constructed In 1971 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $360/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

5 Beds, 5 Baths 1550 sqft Seasonal Residence Constructed In 1980 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $990/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 3180 sqft Vacation Property Constructed In 1978 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1110/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Baths 2440 sqft Primary Residence Constructed In 1966 with Linoleum, Slate Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1120/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 2950 sqft Seasonal Residence Constructed In 1975 with Hardwood Flooring, Composition Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Single Female who is a Freelancer with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Abilene, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
79601 $93,500 $1,020
79605 $90,300 $1,020
79603 $64,600 $1,000
79606 $142,900 $1,050
79602 $118,800 $1,040

Abilene Rates & Quotes Analysis:

Abilene Area Estimated House Insurance
Alabama Rd, N Clack St, Oaklawn Dr, Hope St, Cobblestone Ln, S Frontage Rd, Iron Eagle Rd, Minda St, Hardwick Rd, Redwood Dr$990
Morrow Ln, Baker St, Knollwood, N Treadaway Blvd, Bar B Trl, Seaman's Way, Ash St, Vapor Trl, Pet Haven Rd, Cherry Hill E$985
Nichols Rd, Linda Vis, Avondale St, Roma Ln, W Lake Rd, Pinehurst, N Carver Dr, Elm Creek Rd, Bacacita Farms Rd, Austin St$1,058
S 25th St, N 17th St, Bruce Dr, Westway Dr, Primrose Dr, Redbird Ln, Medical Dr, Lytle Pl, Hamilton St, Sewell St$991
Co Rd 487, Crest Dr, A C U Agricultural Department, E South 27th St, S 28th St, Spindletop Dr, Delwood Dr, Bob White Ct, Springwater Ave, Paint Brush Dr$1,044
W Lake Phantom Rd, Durango Dr, Ventura Dr, FM 2404, A C U Dr, Continental Ave, W Stamford St, S 18th St, N la Salle Dr, Dunnam Dr$1,035
Lytle Way, E N 23rd St, Ave B, Hawk Cir, Patricia Ln, Inverrary Dr, Arizona St, Over St, Co Rd 495, Kingston Ct$1,059
Oil Belt Ln, Co Rd 687, E College Dr, Bristol Ct, Ruby Esther Cir, Mesquite Ln, Independence Dr, W N 20th St, Beltway S, Bronco Dr$1,056
Jeremy Ln, Red Oak Cir, San Jacinto Dr, Chaucer Dr, Woodard St, Pueblo, Briarwood St, 14th St, Cougar Way, Foster Ln$1,023
S 24th St, S 17th St, Co Rd 165, Sunlake Dr, Darrell Dr, Venice Dr, Erie St, Griggs St, Many Waters Dr, E South 5th St$1,057

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,751 Homes (17% of total homes ) built between 1980 to 1989 in Abilene are paying home insurance between $1,518-$1,534. Places close to Abilene, TX such as Potosi, Jim Ned, Blanket are more expensive by $77, $34, $26 respectively while Tye and Buffalo Gap are cheaper by $51 and $32 respectively for similar homes.
  • Bedrooms: 6,173 4 bedrooms homes (12% of total homes ) in Abilene are paying about $1,231. Areas near to Abilene such as Potosi, Taylor County, Jim Ned are costlier by $62, $10, $27 respectively whereas Tye and Buffalo Gap are more economical by $22, $16 respectively for similar homes.
  • Auto Insurance Bundling: 12,068 Households (45% of all households) in Abilene have 2 vehicles available and when it is bundled with home insurance you can save $203. Discounts for similar bundling in close by locations such as Impact, Potosi, Tye come to $192, $213, $196 respectively.
  • Senior Discounts: 13,059 seniors (more than 55 years) occupied housing units (49% of total) in Abilene get discounts between $152 to $154 in contrast with Impact ($144), Potosi ($160), Tye ($147).
  • New Homes discounts: New homes such as the 19,937 homes built between 2000 to 2009 in Abilene can save $203 and similar new home insurance discounts in nearby towns and cities like Impact, Potosi and Tye are $192, $213 and $196 respectively.

Abilene Homeowners insurance Facts

  • Abilene, TX has 26,359 owner occupied houses which is 59.2% of all units whereas Impact, Potosi and Tye have 100.0%, 90.61% and 65.65% respectively.
  • Abilene, TX homeowners yearly insurance price at $1,018 is 1.06% of the typical house value of $96,000 which is in contrast with 0.57% in Potosi, 2.82% at Tye & 1.73% in Buffalo Gap.
  • Homeowners in Abilene, TX pay 1.36% of their income ($75,000 or more) in insurance whereas homeowners in Potosi, Tye and Buffalo Gap pay 1.43%, 1.31% and 1.33% respectively.
  • Abilene, TX’s insurance is 7.7% of monthly housing costs of $1,105/month, for owners with a mortgage compared to 5.52% in Potosi, 9.98% at Tye & 8.74% in Buffalo Gap. But, for households without a mortgage, insurance is 20.3% of costs ($419 in Abilene, TX) in contrast with 18.37% in Potosi, 28.15% at Tye & 28.42% in Buffalo Gap.

Abilene, TX Home Values & Insurance rates

For example, insurance for 765 Homes (2.0% of total homes ) valued between $250,000 to $299,999 in Abilene, TX is about $2,911. Rates in nearby areas in such as Potosi, Jim Ned, Breckenridge South are cheaper by $1,351, $800, $68 respectively while Buffalo Gap and Taylor County are costlier by $1,849 and $20 respectively for similar homes.

Abilene, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,253 20.0% $264
$50,000 to $59,999 1,771 6.0% $549
$60,000 to $69,999 2,003 7.0% $682
$70,000 to $79,999 1,783 6.0% $794
$80,000 to $89,999 1,393 5.0% $895
$90,000 to $99,999 1,623 6.0% $997
$100,000 to $124,999 3,219 12.0% $1160
$125,000 to $149,999 2,618 10.0% $1455
$150,000 to $174,999 2,343 9.0% $1720
$175,000 to $199,999 1,174 4.0% $1985
$200,000 to $249,999 1,372 5.0% $2382
$250,000 to $299,999 765 2.0% $2911
$300,000 to $399,999 595 2.0% $3705

Renters Insurance in Abilene

  • Average Renters Insurance in Abilene :  $224($18/month)

  • Median Gross Rent in Abilene :  $750

  • Abilene Renters Insurance to Median Rent Ratio:  2.4%

  • Average household size of renter-occupied unit :  2.52

Abilene Renters Insurance as a Percentage of Rent

Abilene Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 305 1.0% $356
$300 to $499 1,844 10.0% $1256
$500 to $749 6,157 36.0% $1931
$750 to $999 4,561 26.0% $2681
$1,000 to $1,499 2,970 17.0% $3806
$1,500 or more 906 5.0% $5456

Rent Affordability in Abilene:

Approximately 49.0% (8,921) of households are spending more than 35% of their income on gross rent in Abilene

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,084 11.0%
15.0 to 19.9 percent 1,963 10.0%
20.0 to 24.9 percent 2,018 11.0%
25.0 to 29.9 percent 1,873 10.0%
30.0 to 34.9 percent 1,324 7.0%
35.0 percent or more 8,921 49.0%

Abilene Renters Insurance Discounts:

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

Number of Vehicles in Abilene, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 8,639 47.0% $22.4
2 vehicles available 5,626 30.0% $33.6
3 or more vehicles available 1,748 9.0% $44.8

Abilene Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 972 5.0% $75
60 to 64 years 824 4.0% $60
65 to 74 years 974 5.0% $48
75 years and over 1,097 6.0% $37

Protective device discount in Abilene Up to :  $33

Claims-free discount in Abilene Up to :  $44

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