Dallas Insurance Rates:

Dallas, TX home insurance is roughly $880 to $1,193, about $73-$99/month. Our exhaustive analysis indicates shoppers can save as much as $414 by getting different quotes

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Dallas Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $1000/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $345,000

5 Beds, 5 Baths 4190 sqft Rental Property Constructed In 1973 with Wood Flooring, Shingles Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Married Female who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $690/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 3170 sqft Seasonal Residence Constructed In 1964 with Linoleum, Tile Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $230/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $450,000

5 Beds, 5 Baths 4880 sqft Vacation Property Constructed In 1974 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $680/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Bath 1850 sqft Rental Property Constructed In 1972 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $570/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1610 sqft Vacation Property Constructed In 2012 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $70/1 month for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1140 sqft Primary Residence Constructed In 2014 with Stone Flooring, Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 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

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1930/9 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 3892 sqft Rental Property Constructed In 1984 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 700-749 Credit Score

Home Insurance Rate of $285/3 months for $300,000 Coverage
We live near Mckinney in a 5 bedroom home & 3 car garage & pool worth about $400,000. McKinney was voted one of the top neibhorhoods in Dallas. The house was built in 2006 & has all modern renovations including a top class security system.
Husband is in sales & out of the house a lot. I am a stay at home with 3 kids. Both of us are non-smokers. We have 1 dog.
Home Insurance Rate of $273/3 months for $275,000 Coverage
Our house is mainly siding & brick with HVAC, electric, plumbing on a cement slab foundation.
We don't have any dogs/pets but we may get some in the future. Our house is almost paid down and we have a decent credit score.

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Dallas Rates & Quotes Analysis:

Dallas Area Estimated House Insurance
North St, Jubilee Trl, Lochaven Dr, Las Colinas Blvd W, Lone Moor Cir, Vandelia St, McKinnon St, Lochinvar Ct, Quadrangle Dr, Glen Hill Dr$1,128
Hermosa Dr, Dudley St, Groveway Dr, Drowsy Ln, Circlewood Dr, Kendale Dr, Hudspeth Ave, Oak Bend Ln, Hamilton Ave, Royal Pl$1,007
Crowberry Ln, Court St, Northbrook Dr, Jim Reinthal Ct, Woodsboro Dr, Moonstone Dr, Malcolm Cir, Century Dr, Monssen Pkwy, Hanford Dr$None
Teresa Dr, Celtic Ash, Merrifield Rd Rmp, Clover Valley Dr, Boisenberry Ln, Penelope St, Racine Dr, Pasco Dr, Gallant Fox Dr, Wendell Way$1,015
Linda Dr, Marvin Gardens, Holbrook Dr, Diamond Park Dr, Town House Row, Woodburn Trl, Sleepy Hollow Dr, Verano Dr, Gulden Ln, Allentown Dr$1,013
Happy Hollow Ln, Chapman St, Olympic Dr, Celeste Dr, Chase Ct, Mountain Bluff Ln, Alendale Dr, Dartstone Dr, Peavy Rd Exd, Bayview$998
St George, SE 13th St, Shoreline Dr, Chipper Ct, Chimney Hill Ln, Merriman Pkwy, Parkdale Dr, Bellcrest Dr, White Rock Trl, Jeffries St$1,077
Acklin Dr, Flamingo Dr, Centennial Dr, Vistaridge Dr, Sarah Ln, Omaha Ln, Trunk Ave, Crosstown Expy, Wylie St, Santa Monica Dr$1,028
Navajo Trl, Weir St, Cloister Dr, Stoney Creek Blvd, Woodmont Dr, Woodoak Dr, Chapel Hill Dr, Hartsdale Ave, Crozier St, Avon St$1,008
Clayton Oaks Dr, Crown Point Cir, Navy Ave, San Saba Dr, la Palma Dr, Morningside Ct, Rosehill Rd, Breakers Pt, la Manga Dr, 56th St$1,053

Insurance rates are influenced by a number of factors including:

  • Year Built: 78,723 Homes (15% of total) built between 1960 to 1969 in Dallas are paying home insurance between $1,815-$1,830 in contrast with Highland Park (+$860), University Park (+$845), Northeast Dallas (+$13), Cockrell Hill (-$49) and Southwest Dallas (-$17).
  • Bedrooms: 138,485 1 bedroom homes (27% of total homes ) in Dallas are paying about $612. Areas near to Dallas such as Highland Park, University Park, Farmers Branch are costlier by $274, $270, $5 respectively whereas Dallas County and Northeast Dallas are more economical by $11, $6 respectively for similar homes.
  • Auto Insurance Bundling: 88,823 Households (43% of all households) in Dallas have 2 vehicles available and when it is bundled with home insurance you can save $207. Discounts for similar bundling in close by locations such as Dallas County, Highland Park, University Park come to $207, $305, $303 respectively.
  • Senior Discounts: 92,878 seniors (more than 55 years) occupied housing units (45% of total) in Dallas get discounts between $155 to $157. The comparative concessions in proximate regions such as Dallas County, Highland Park and University Park are $155, $229 and $227 respectively.
  • New Homes discounts: New homes such as the 188,604 homes built between 2000 to 2009 in Dallas can save $207 and differs from Dallas County ($207), Highland Park ($305), University Park ($303).

Dallas Homeowners insurance Facts

  • Dallas, TX has 202,880 owner occupied houses which is 44.4% of all units whereas Dallas County, Highland Park and University Park have 53.3%, 83.27% and 76.23% respectively.
  • Dallas, TX homeowners yearly insurance price at $1,037 is 0.8% of the typical house value of $129,300 which is in contrast with 0.8% in Dallas County, 0.15% at Highland Park & 0.15% in University Park.
  • Homeowners in Dallas, TX pay 5.93% of their income ($15,000 to $19,999) in insurance whereas homeowners in Dallas County, Highland Park and University Park pay 5.92%, 8.73% and 8.68% respectively.
  • Dallas, TX’s insurance is 5.8% of monthly housing costs of $1,497/month, for owners with a mortgage compared to 5.77% in Dallas County, 3.18% at Highland Park & 3.16% in University Park. But, for households without a mortgage, insurance is 16.8% of costs ($516 in Dallas, TX) in contrast with 16.17% in Dallas County, 12.71% at Highland Park & 12.65% in University Park.

Dallas, TX Home Values & Insurance rates

For example, insurance for 12,510 Homes (7.0% of total homes ) valued between $70,000 to $79,999 in Dallas, TX is about $601. Rates in nearby areas in such as Dallas County, Northeast Dallas, Farmers Branch are cheaper by $1, $69, $69 respectively while Cockrell Hill and Southwest Dallas are costlier by $346 and $76 respectively for similar homes.

Dallas, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 19,294 10.0% $197
$50,000 to $59,999 7,948 4.0% $414
$60,000 to $69,999 9,969 5.0% $518
$70,000 to $79,999 12,510 7.0% $601
$80,000 to $89,999 15,470 8.0% $674
$90,000 to $99,999 12,307 6.0% $757
$100,000 to $124,999 21,726 12.0% $881
$125,000 to $149,999 12,979 7.0% $1099
$150,000 to $174,999 11,219 6.0% $1296
$175,000 to $199,999 8,035 4.0% $1503
$200,000 to $249,999 15,246 8.0% $1804
$250,000 to $299,999 12,835 7.0% $2208
$300,000 to $399,999 16,707 9.0% $2799

Renters Insurance in Dallas

  • Average Renters Insurance in Dallas :  $197($16/month)

  • Median Gross Rent in Dallas :  $822

  • Dallas Renters Insurance to Median Rent Ratio:  1.95%

  • Average household size of renter-occupied unit :  2.44

Dallas Renters Insurance as a Percentage of Rent

Dallas Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 3,299 1.0% $349
$200 to $299 3,794 1.0% $799
$300 to $499 11,127 4.0% $1249
$500 to $749 81,322 32.0% $1924
$750 to $999 74,286 29.0% $2674
$1,000 to $1,499 55,085 22.0% $3799
$1,500 or more 18,811 7.0% $5449

Rent Affordability in Dallas:

Approximately 43.0% (110,433) of households are spending more than 35% of their income on gross rent in Dallas

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 30,179 11.0%
15.0 to 19.9 percent 32,177 12.0%
20.0 to 24.9 percent 32,605 12.0%
25.0 to 29.9 percent 27,525 10.0%
30.0 to 34.9 percent 21,172 8.0%
35.0 percent or more 110,433 43.0%

Dallas Renters Insurance Discounts:

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

Number of Vehicles in Dallas, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 138,427 54.0% $19.7
2 vehicles available 64,060 25.0% $29.55
3 or more vehicles available 13,145 5.0% $39.4

Dallas Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 13,305 5.0% $82
60 to 64 years 9,480 3.0% $65
65 to 74 years 10,577 4.0% $53
75 years and over 8,471 3.0% $41

Protective device discount in Dallas Up to :  $29

Claims-free discount in Dallas Up to :  $39

Dallas, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
75223 $96,100 $1,020
75232 $94,400 $1,020
75227 $89,900 $1,020
75224 $87,900 $1,020
75225 $839,600 $1,510
75241 $78,100 $1,010
75217 $75,600 $1,010
75212 $74,600 $1,010
75203 $69,000 $1,010
75216 $60,400 $1,000
75226 $57,200 $1,000
75201 $570,400 $1,340
75215 $55,000 $1,000
75253 $48,000 $990
75230 $451,200 $1,250
75210 $44,900 $990
75209 $434,500 $1,210
75214 $324,400 $1,180
75252 $278,800 $1,140
75229 $263,400 $1,130
75206 $258,800 $1,130
75248 $258,000 $1,140
75204 $250,300 $1,120
75231 $247,400 $1,120
75287 $245,700 $1,110
75219 $242,600 $1,110
75238 $238,600 $1,100
75218 $218,800 $1,100
75202 $183,600 $1,080
75243 $181,500 $1,070
75240 $162,300 $1,070
75220 $161,700 $1,070
75233 $118,100 $1,040
75249 $117,600 $1,040
75235 $109,600 $1,030
75208 $109,500 $1,040
75237 $106,700 $1,040
75228 $106,300 $1,040
75246 $105,600 $1,030
75236 $102,000 $1,020