Centralia Insurance Rates:

Centralia, WA home insurance is nearly $491 to $666, about $40-$55/month. Our thorough analysis shows customers can save as much as $231 by comparing different quotes

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Centralia Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $140/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Bath 1540 sqft Vacation Property Constructed In 2002 with Wood Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Married Male who is a Freelancer with household income of less than $25,000 and has No Pets and is a Smoker

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

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $40/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 1630 sqft Primary Residence Constructed In 2011 with Wood Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Fireplace, Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $140/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

2 Beds, 2 Bath 1610 sqft Vacation Property Constructed In 2000 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Single Female who is Retired and has 1 Pet and is a Smoker

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $510/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $300,000

5 Beds, 5 Bath 3880 sqft Vacation Property Constructed In 2011 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet 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 $300/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 2540 sqft Vacation Property Constructed In 2008 with Linoleum, Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Single Female 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

  • 550-599 Credit Score

Home Insurance Rate of $600/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Baths 3380 sqft Seasonal Residence Constructed In 1941 with Linoleum, Metal Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Fireplace, Deadbolt Locks, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 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 Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $400/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Bath 2080 sqft Seasonal Residence Constructed In 1987 with Wood Flooring, Tile Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Married 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 :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $40/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $280,000

5 Beds, 5 Baths 3020 sqft Seasonal Residence Constructed In 1988 with Hardwood Flooring, Tile Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Central Air Conditioning, Swimming Pool, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Centralia, WA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
98531 $172,400 $590

Centralia Rates & Quotes Analysis:

Centralia Area Estimated House Insurance
Cresent Ave, Emily Ln, N King St, Collison St, Bayne St, Yew St, SE Evergreen Dr, June Ln, Bennett Rd, W Magnolia St$581
E Summa St, W Bridge St, Sirkka St, W 5th St, 9th St, W 2nd St, Mills Ln, NE Summit Rd, Fords Prairie Ave, E Roanoke St$579
Kearny St, NE Taylor Ave, Jensen Ave, Willow Ln, NE Scenic Way, Mardon Pl, NE Highland Pl, F St, S Tower Ave, SE Monroe Ave$594
Windsor Ave, S Pearl St, Devereese Rd, Stillwaters Ave, NW Sitka St, N Buckner St, Howard Ave, W H Long Rd, NW Prindle St, S Baker Ave$576
Johnson Rd, Eckerson Rd, Sundown Ct, E Maple St, Coal Creek Rd, Meadow Ln, E Ridge Dr, Hamilton Ave, W Hanson St, Mellen St$578

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,072 Homes (27% of total) built between 1939 or earlier in Centralia are paying home insurance between $1,237-$1,245 and differs from Grand Mound (+$16), Newaukum Prairie (+$32), Bunker (+$53), Bucoda (-$11) and Pe Ell (-$16).
  • Bedrooms: 989 1 bedroom homes (13% of total homes ) in Centralia are paying about $255. Areas near to Centralia such as Grand Mound, Rochester, Bunker are costlier by $3, $7, $11 respectively whereas Centralia-Chehalis and Pe Ell are more economical by $4, $3 respectively for similar homes.
  • Auto Insurance Bundling: 787 Households (22% of all households) in Centralia have 3 or more vehicles available and when it is bundled with home insurance you can save $144. Discounts for similar bundling in close by locations such as Centralia-Chehalis, Fords Prairie, Chehalis come to $145, $146, $145 respectively.
  • Senior Discounts: 2,127 seniors (more than 55 years) occupied housing units (61% of total) in Centralia get discounts between $86 to $89 compared to Centralia-Chehalis ($87), Bucoda ($86), Newaukum Prairie ($88).
  • New Homes discounts: New homes such as the 2,875 homes built between 2000 to 2009 in Centralia can save $115 and similar new home insurance discounts in nearby towns and cities like Centralia-Chehalis, Fords Prairie and Chehalis are $116, $116 and $116 respectively.

Centralia Homeowners insurance Facts

  • Centralia, WA has 3,477 owner occupied houses which is 51.9% of all units whereas Centralia-Chehalis, Fords Prairie and Chehalis have 56.76%, 64.41% and 50.1% respectively.
  • Centralia, WA homeowners yearly insurance price at $578 is 0.36% of the typical house value of $161,400 which is in contrast with 0.33% in Centralia-Chehalis, 0.31% at Fords Prairie & 0.32% in Chehalis.
  • Homeowners in Centralia, WA pay 1.78% of their income ($30,000 to $34,999) in insurance whereas homeowners in Centralia-Chehalis, Fords Prairie and Chehalis pay 1.79%, 1.8% and 1.79% respectively.
  • Centralia, WA’s insurance is 3.9% of monthly housing costs of $1,230/month, for owners with a mortgage compared to 3.67% in Centralia-Chehalis, 3.68% at Fords Prairie & 3.69% in Chehalis. But, for households without a mortgage, insurance is 12.1% of costs ($398 in Centralia, WA) in contrast with 11.71% in Centralia-Chehalis, 11.16% at Fords Prairie & 12.18% in Chehalis.

Centralia, WA Home Values & Insurance rates

For example, insurance for 99 Homes (2.0% of total homes ) valued between $90,000 to $99,999 in Centralia, WA is about $335. Rates in nearby areas in such as Centralia-Chehalis, Chehalis, Newaukum Prairie are cheaper by $27, $32, $86 respectively while Tenino and Winlock are costlier by $6 and $22 respectively for similar homes.

Centralia, WA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 380 11.0% $86
$50,000 to $59,999 63 1.0% $184
$60,000 to $69,999 65 1.0% $231
$70,000 to $79,999 90 2.0% $265
$80,000 to $89,999 58 1.0% $300
$90,000 to $99,999 99 2.0% $335
$100,000 to $124,999 246 7.0% $393
$125,000 to $149,999 397 11.0% $491
$150,000 to $174,999 744 21.0% $578
$175,000 to $199,999 286 8.0% $670
$200,000 to $249,999 568 16.0% $803
$250,000 to $299,999 322 9.0% $982
$300,000 to $399,999 107 3.0% $1248

Renters Insurance in Centralia

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

  • Median Gross Rent in Centralia :  $775

  • Centralia Renters Insurance to Median Rent Ratio:  2.32%

  • Renter occupied housing units in Centralia :  3,227

Centralia Renters Insurance as a Percentage of Rent

Centralia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 96 3.0% $356
$200 to $299 112 3.0% $806
$300 to $499 514 16.0% $1256
$500 to $749 764 24.0% $1931
$750 to $999 864 27.0% $2681
$1,000 to $1,499 662 21.0% $3806
$1,500 or more 94 3.0% $5456

Protective device discount in Centralia Up to :  $33

Claims-free discount in Centralia Up to :  $44