Augusta Insurance Rates:

Augusta, ME home insurance is about $556 to $757, about $46-$63/month. Our all inclusive research indicates shoppers can save upto $262 by getting different quotes

Compare Quotes from Top Providers and Save now!

Augusta, Maine Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Augusta Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $170/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Baths 2740 sqft Primary Residence Constructed In 1969 with Hardwood Flooring, Slate Shingles Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Married Female who is Unemployed and has No Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $520/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Bath 2840 sqft Primary Residence Constructed In 1985 with Linoleum, Tile Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Married Female who is a Freelancer with household income of $75-$100,000 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

Home Insurance Rate of $90/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Baths 2190 sqft Vacation Property Constructed In 1991 with Wood Flooring, Membrane Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $80/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Bath 2100 sqft Rental Property Constructed In 1995 with Hardwood Flooring, Metal Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Female who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $380/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 2320 sqft Rental Property Constructed In 1993 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Divorced Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $200/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Baths 2120 sqft Rental Property Constructed In 1981 with Carpet Flooring, Membrane Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Married Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $90/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Bath 2120 sqft Seasonal Residence Constructed In 1944 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $20/1 month for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $70,000

2 Beds, 2 Bath 1000 sqft Rental Property Constructed In 1964 with Carpet Flooring, Composition Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Single Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $180/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 1360 sqft Vacation Property Constructed In 1944 with Carpet Flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $100/3 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 1100 sqft Seasonal Residence Constructed In 1996 with Stone Flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Divorced Male who has a Full 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 $410/7 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Baths 1319 sqft Primary Residence Constructed In 1989 with Carpet over wood flooring, Metal Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Single Male who is Unemployed and has 3 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

Augusta Rates & Quotes Analysis:

Augusta Area Estimated House Insurance
Thurston Rd, Easy St, Leighton Rd, Child St, Manduca Ln, Washington Street Pl, University Dr, Greenwood St, Fairview Ave, Whitten Rd$661
Red Eagle Ln, Murdock St, Caldwell Rd, S and V Ln, Windsor Ave, Cony Rd, Bolton Hill Rd, Knight Rd, Cumberland St, Northern Ave$658
Moose Cir, Oxford St Exd, Red Maple Ln, Hospital St, Fig Vallee Ln, Buena Vista Dr, Kling St, State St, Shaw Rd, S Grove St$652
Dean Ct, Congress St, Sixth Ave, Iris, 5th Ave, Pappys Ln, Jomar Ln, Sewall St, Burns Rd, Bangor St$660
Malta St, Gabriel Dr, Cony St, Higgins St, S Belfast Ave, Chapel St, King Pine Dr, Storey St, Mount Vernon Ave, Lambard Rd$653

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,294 Homes (13% of total) built between 1970 to 1979 in Augusta are paying home insurance between $1,063-$1,073 and varies from Hallowell (+$28), Kennebec County (+$12), Manchester (+$34), Randolph (-$12) and Waterville (-$10).
  • Bedrooms: 1,988 1 bedroom homes (20% of total homes ) in Augusta are paying about $388. Areas near to Augusta such as Hallowell, Kennebec County, Manchester are costlier by $10, $4, $5 respectively whereas Chelsea and Randolph are more economical by $6, $5 respectively for similar homes.
  • Auto Insurance Bundling: 774 Households (15% of all households) in Augusta have 3 or more vehicles available and when it is bundled with home insurance you can save $164 and differs from Chelsea ($164), Hallowell ($168), Kennebec County ($165).
  • Senior Discounts: 2,567 seniors (more than 55 years) occupied housing units (52% of total) in Augusta get discounts between $98 to $100 and varies from Chelsea ($98), Hallowell ($100), Kennebec County ($99).
  • New Homes discounts: New homes such as the 2,252 homes built between 2000 to 2009 in Augusta can save $131 and similar new home insurance discounts in nearby towns and cities like Chelsea, Hallowell and Kennebec County are $131, $134 and $132 respectively.

Augusta Homeowners insurance Facts

  • Augusta, ME has 4,916 owner occupied houses which is 54.4% of all units whereas Chelsea, Hallowell and Kennebec County have 88.34%, 57.5% and 71.07% respectively.
  • Augusta, ME homeowners yearly insurance price at $656 is 0.49% of the typical house value of $133,700 which is in contrast with 0.48% in Chelsea, 0.38% at Hallowell & 0.44% in Kennebec County.
  • Homeowners in Augusta, ME pay 1.75% of their income ($35,000 to $39,999) in insurance whereas homeowners in Chelsea, Hallowell and Kennebec County pay 1.75%, 1.79% and 1.77% respectively.
  • Augusta, ME’s insurance is 4.6% of monthly housing costs of $1,182/month, for owners with a mortgage compared to 4.69% in Chelsea, 3.94% at Hallowell & 4.49% in Kennebec County. But, for households without a mortgage, insurance is 11.6% of costs ($471 in Augusta, ME) in contrast with 14.68% in Chelsea, 10.41% at Hallowell & 12.53% in Kennebec County.

Augusta, ME Home Values & Insurance rates

For example, insurance for 270 Homes (5.0% of total homes ) valued between $175,000 to $199,999 in Augusta, ME is about $918. Rates in nearby areas in such as Chelsea, Hallowell, Kennebec County are cheaper by $18, $219, $103 respectively while Randolph and Waterville are costlier by $190 and $141 respectively for similar homes.

Augusta, ME Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 450 9.0% $118
$50,000 to $59,999 74 1.0% $255
$60,000 to $69,999 85 1.0% $314
$70,000 to $79,999 112 2.0% $367
$80,000 to $89,999 222 4.0% $413
$90,000 to $99,999 330 6.0% $465
$100,000 to $124,999 890 18.0% $537
$125,000 to $149,999 846 17.0% $669
$150,000 to $174,999 803 16.0% $793
$175,000 to $199,999 270 5.0% $918
$200,000 to $249,999 382 7.0% $1102
$250,000 to $299,999 205 4.0% $1351
$300,000 to $399,999 113 2.0% $1712

Renters Insurance in Augusta

  • Average Renters Insurance in Augusta :  $182($15/month)

  • Median Gross Rent in Augusta :  $642

  • Augusta Renters Insurance to Median Rent Ratio:  2.34%

  • Average household size of renter-occupied unit :  1.76

Augusta Renters Insurance as a Percentage of Rent

Augusta Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 138 3.0% $345
$200 to $299 316 7.0% $795
$300 to $499 466 11.0% $1245
$500 to $749 2,006 50.0% $1920
$750 to $999 648 16.0% $2670
$1,000 to $1,499 327 8.0% $3795
$1,500 or more 71 1.0% $5445

Protective device discount in Augusta Up to :  $27

Claims-free discount in Augusta Up to :  $36

Top Related Cities