Bowling Green Insurance Rates:

Bowling Green, KY home insurance is about $663 to $898, about $55-$74/month. Our detailed research shows customers can save as much as $312 by getting many quotes

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Bowling Green Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $380/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Bath 1660 sqft Rental Property Constructed In 2000 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $480/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1590 sqft Rental Property Constructed In 1998 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Non-Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $620/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

4 Beds, 4 Baths 1690 sqft Primary Residence Constructed In 1970 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

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

  • 500-549 Credit Score

Home Insurance Rate of $950/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $250,000

5 Beds, 5 Baths 2490 sqft Vacation Property Constructed In 2007 with Stone Flooring, Tile Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $180/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Bath 2680 sqft Vacation Property Constructed In 1992 with Wood Flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $50/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 980 sqft Rental Property Constructed In 1970 with Carpet Flooring, Membrane Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married Female 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

  • 800-850 Credit Score

Home Insurance Rate of $1300/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $295,000

4 Beds, 4 Baths 3360 sqft Vacation Property Constructed In 1970 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has 3 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 $200/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 1020 sqft Rental Property Constructed In 2013 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Single Male 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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $90/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Baths 2480 sqft Rental Property Constructed In 2000 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/6 months for $75,000-$100,000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1393 sqft Primary Residence Constructed In 1983 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Bowling Green, KY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
42103 $165,700 $790
42104 $165,300 $800

Bowling Green Rates & Quotes Analysis:

Bowling Green Area Estimated House Insurance
Cumberland Cir, Deer Meadow Ave, Long Rd, Wren Rd, Lynnwood Way, Wellington Way, Daisy Field Ct, Ivan Downs Blvd, Newton Ave, Chandler Dr$806
Henry Dr, Webber Ln, Fieldstone Blvd, Pointe Ct, Eastwood Ave, Tulip Dr, Shadowgrass Way, Tower Dr, Augusta Ave, River Avon Ct$790
Emmett Ave, Cherokee Dr, S Ford Ave, Lewis Ave, N Sunrise Dr, Fair Oaks Cir, Neptune Way, Georgetown Ct, Sue Lane Ct, Honeysuckle Ct$793
E Main Ave, Alvaton Rd, Morris Rd, Ida Dr, Briteway Dr, Fuqua Rd, King Dr, N Cedar Bluff Rd, Veterans Ave, Hartland Ct$772
Gordon Ave, Baker Pl, Kempton Ln, Timberhill Ave, Carter Sims Rd, Oates-Kitchen Rd, Grinstead Way, Lamplighter Dr, Sugar Mill Way, Danhaven Dr$759
Springfield Blvd, Old Lovers Ln, Teal St, Cardinal Dr, Lost River Ln, New Scottsville Rd, Normalview Dr, Hightower Ct, Bramblebush Dr, Center St$810
Pioneer Dr, Meadowlawn Dr, W 14th Ave, Grandview St, Old Scottsville Rd, Larmon Mill Rd, Reflection Ln, Paddle Wheel Ct, Carla Dr, Batsel Ave$761
Pleasant Valley Ct, Vicksburg Ct, Spruce Trl, Aberdeene Ave, Durrenberger Ln, Potter Ave, Morris Aly, Sutherland Dr, Conrad Ct, Pascoe Blvd$791
Midcrest Dr, Bent Tree Ave, Arrow Ct, Annmarie Ct, Ashgate Dr, Sternwheel Ct, Kami Dr, Bent Tree Ct, Fairmont Ave, Dunlaney Way$820
W 12th Ave, Raintree Dr, Cedar Trail Dr, Brentmoor Ave, Pedigo Way, Abbywood St, Sweepstakes Ct, Legends Dr, Captains Ct, Riverwood Ave$775

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,858 Homes (20% of total homes ) built between 1990 to 1999 in Bowling Green are paying home insurance between $1,126-$1,138. Places close to Bowling Green, KY such as Alvaton, Portland(TN), Orlinda(TN) are more expensive by $11, $34, $48 respectively while Plum Springs and Woodburn are cheaper by $41 and $14 respectively for similar homes.
  • Bedrooms: 8,632 2 bedrooms homes (25% of total homes ) in Bowling Green are paying about $649 and differs from , Warren County (-$12) and Plum Springs (-$32).
  • Auto Insurance Bundling: 3,957 Households (23% of all households) in Bowling Green have 3 or more vehicles available and when it is bundled with home insurance you can save $195. Discounts for similar bundling in close by locations such as Warren County, Plum Springs, Plano come to $194, $188, $196 respectively.
  • Senior Discounts: 8,076 seniors (more than 55 years) occupied housing units (48% of total) in Bowling Green get discounts between $116 to $119. The comparative concessions in proximate regions such as Warren County, Plum Springs and Plano are $116, $112 and $118 respectively.
  • New Homes discounts: New homes such as the 16,840 homes built between 2000 to 2009 in Bowling Green can save $156 in contrast with Warren County ($155), Plum Springs ($150), Plano ($157).

Bowling Green Homeowners insurance Facts

  • Bowling Green, KY has 16,653 owner occupied houses which is 53.0% of all units whereas Warren County, Plum Springs and Plano have 59.86%, 82.68% and 96.92% respectively.
  • Bowling Green, KY homeowners yearly insurance price at $781 is 0.53% of the typical house value of $147,600 which is in contrast with 0.56% in Warren County, 0.78% at Plum Springs & 0.49% in Plano.
  • Homeowners in Bowling Green, KY pay 1.16% of their income ($60,000 to $74,999) in insurance whereas homeowners in Warren County, Plum Springs and Plano pay 1.15%, 1.11% and 1.17% respectively.
  • Bowling Green, KY’s insurance is 5.4% of monthly housing costs of $1,199/month, for owners with a mortgage compared to 5.64% in Warren County, 6.58% at Plum Springs & 4.66% in Plano. But, for households without a mortgage, insurance is 17.4% of costs ($374 in Bowling Green, KY) in contrast with 17.77% in Warren County, 21.68% at Plum Springs & 20.75% in Plano.

Bowling Green, KY Home Values & Insurance rates

For example, insurance for 1,099 Homes (6.0% of total homes ) valued between Less than $50,000 in Bowling Green, KY is about $124. Rates in nearby areas in such as Plano, Alvaton, Cross Plains are cheaper by $6, $6, $1 respectively while Warren County and Plum Springs are costlier by $7 and $64 respectively for similar homes.

Bowling Green, KY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,099 6.0% $124
$50,000 to $59,999 293 1.0% $273
$60,000 to $69,999 386 2.0% $343
$70,000 to $79,999 725 4.0% $390
$80,000 to $89,999 601 3.0% $445
$90,000 to $99,999 722 4.0% $499
$100,000 to $124,999 2,455 15.0% $577
$125,000 to $149,999 2,259 14.0% $726
$150,000 to $174,999 2,203 13.0% $859
$175,000 to $199,999 1,245 7.0% $991
$200,000 to $249,999 1,536 9.0% $1187
$250,000 to $299,999 1,280 8.0% $1452
$300,000 to $399,999 1,039 6.0% $1850

Renters Insurance in Bowling Green

  • Average Renters Insurance in Bowling Green :  $151($12/month)

  • Median Gross Rent in Bowling Green :  $641

  • Bowling Green Renters Insurance to Median Rent Ratio:  1.87%

  • Renter occupied housing units in Bowling Green :  14,784

Bowling Green Renters Insurance as a Percentage of Rent

Bowling Green Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 259 1.0% $337
$200 to $299 457 3.0% $787
$300 to $499 2,472 17.0% $1237
$500 to $749 6,510 45.0% $1912
$750 to $999 2,469 17.0% $2662
$1,000 to $1,499 1,742 12.0% $3787
$1,500 or more 258 1.0% $5437

Rent Affordability in Bowling Green:

Approximately 48.0% (7,166) of households are spending more than 35% of their income on gross rent in Bowling Green

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,473 9.0%
15.0 to 19.9 percent 2,133 14.0%
20.0 to 24.9 percent 1,653 11.0%
25.0 to 29.9 percent 1,237 8.0%
30.0 to 34.9 percent 1,122 7.0%
35.0 percent or more 7,166 48.0%

Protective device discount in Bowling Green Up to :  $22

Claims-free discount in Bowling Green Up to :  $30