Dothan Insurance Rates:

Dothan, AL home insurance is roughly $817 to $1,108, about $68-$92/month. Our complete analysis shows customers can save as much as $384 by getting multiple quotes

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Dothan Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $530/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

5 Beds, 5 Baths 3620 sqft Primary Residence Constructed In 2007 with Linoleum, Composition Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $990/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Bath 3170 sqft Vacation Property Constructed In 1973 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 2170 sqft Seasonal Residence Constructed In 2013 with Linoleum, Membrane Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Divorced 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 Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $240/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $330,000

5 Beds, 5 Baths 4490 sqft Primary Residence Constructed In 1977 with Carpet Flooring, Tile Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $740/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

5 Beds, 5 Bath 3230 sqft Rental Property Constructed In 1971 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $830/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 2440 sqft Primary Residence Constructed In 1971 with Carpet over wood flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $90/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $390,000

5 Beds, 5 Bath 4950 sqft Vacation Property Constructed In 1992 with Ceramic Tile Flooring, Composition Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Swimming Pool, Fireplace, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Divorced Male 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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $170/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Bath 2160 sqft Seasonal Residence Constructed In 1979 with Linoleum, Membrane Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has 3 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 $180/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Bath 2200 sqft Rental Property Constructed In 1991 with Ceramic Tile Flooring, Tile Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Dothan, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
36305 $173,100 $1,000
36303 $136,200 $980
36301 $106,500 $960

Dothan Rates & Quotes Analysis:

Dothan Area Estimated House Insurance
Bass St, Nomad Cir, Mendheim Dr, Edison St, Adams St, Oakdale Cir, E Bluemont Ct, Randwick Rd, Oakleaf Ct, Eubanks Rd$979
Martinez Ct, Schaffer Rd, Carla Lynn Ct, 6th Ave, Bartlet Ln, Appian Way, Meadows Rd, Jackson Ln, N Orange Ave, White Rd$935
Bel Aire Dr, Evert Dr, April Cir, Durham Rd, Morris St, Eton St, Wise Dr, S Count Y Rd 55, Nottaway Blvd, Quartz Ln$942
Sassar St, Greenwood Dr, Cumbie Rd, Saint Johns Dr, Co Rd 55, Glenda Ct, Strathmore Ave, Glen Lawrence Rd, Eastland Rd, Seminary St$934
Wicklow Dr, Harrington Ln, Katie Ct, Provincial St, Canary St, Arcadia Dr, Waterford Way, Edinburg Way, Eastwood Dr, Bruner Pond Rd$1,001
Burlington Ct, Gilley Rd, McArthur St, Edsel Deese Rd, Suzanna St, Windmill Rd, Gaines St, S Saint Andrews St, Rockdale Ct, Dunn Rd$939
Kent Dr, Hilltop Dr, Complex Dr, Kitts Rd, Hunters Glen Rd, Cynthia Dr, Sumac Ct, Alcan Way, Cyclone Cir, Cherry Rock Dr$1,012
S Lindburg Rd, E Crawford St, Hidden Glen Way, Holt Ct, Treetop Ct, McArdle Rd, Seneca Dr, Woods Dr, Crichton Ln, Headland St$927
Eldorado Dr, Miller St, Power Dam Rd, Meridian St, S Edgewood Dr, W Savannah St, Omussee Rd, Bocage Dr, Culver St, Chinook St$1,013
Bishop Ct, N Herring St, Sandy Springs Rd, Citadel Ave, Strong Rd, Southgate Rd, Jasmine Ct, Cricket Ct, Chantilly Pl, Camelot Ct$1,011

Insurance rates are influenced by a number of factors including:

  • Year Built: 5,215 Homes (13% of total) built between 1980 to 1989 in Dothan are paying home insurance between $1,436-$1,450 and differs from Rehobeth (+$20), Headland (+$17), Campbellton(FL) (+$230), Cowarts (-$36) and Kinsey (-$37).
  • Bedrooms: 4,906 4 bedrooms homes (13% of total homes ) in Dothan are paying about $1,279. Areas near to Dothan such as Rehobeth, Ashford, Headland are costlier by $28, $3, $16 respectively whereas Cowarts and Kinsey are more economical by $21, $23 respectively for similar homes.
  • Auto Insurance Bundling: 4,898 Households (24% of all households) in Dothan have 3 or more vehicles available and when it is bundled with home insurance you can save $240 and varies from Cowarts ($234), Kinsey ($234), Webb ($232).
  • Senior Discounts: 10,850 seniors (more than 55 years) occupied housing units (53% of total) in Dothan get discounts between $144 to $146. The comparative concessions in proximate regions such as Cowarts, Webb and Houston County are $140, $139 and $143 respectively.
  • New Homes discounts: New homes such as the 15,067 homes built between 2000 to 2009 in Dothan can save $192 and differs from Cowarts ($187), Kinsey ($187), Webb ($185).

Dothan Homeowners insurance Facts

  • Dothan, AL has 20,226 owner occupied houses which is 62.9% of all units whereas Cowarts, Kinsey and Webb have 85.8%, 68.32% and 76.23% respectively.
  • Dothan, AL homeowners yearly insurance price at $962 is 0.74% of the typical house value of $130,300 which is in contrast with 1.03% in Cowarts, 1.05% at Kinsey & 1.25% in Webb.
  • Homeowners in Dothan, AL pay 4.28% of their income ($20,000 to $24,999) in insurance whereas homeowners in Cowarts, Kinsey and Webb pay 4.17%, 4.17% and 4.12% respectively.
  • Dothan, AL’s insurance is 7.3% of monthly housing costs of $1,098/month, for owners with a mortgage compared to 8.95% in Cowarts, 9.32% at Kinsey & 8.87% in Webb. But, for households without a mortgage, insurance is 27.0% of costs ($297 in Dothan, AL) in contrast with 28.66% in Cowarts, 28.32% at Kinsey & 22.75% in Webb.

Dothan, AL Home Values & Insurance rates

For example, insurance for 2,140 Homes (11.0% of total homes ) valued between $125,000 to $149,999 in Dothan, AL is about $1,010. Rates in nearby areas in such as Rehobeth, Headland, Enterprise are cheaper by $132, $114, $132 respectively while Cowarts and Kinsey are costlier by $407 and $425 respectively for similar homes.

Dothan, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,477 12.0% $182
$50,000 to $59,999 696 3.0% $384
$60,000 to $69,999 888 4.0% $471
$70,000 to $79,999 1,154 5.0% $548
$80,000 to $89,999 1,230 6.0% $625
$90,000 to $99,999 1,082 5.0% $692
$100,000 to $124,999 2,135 11.0% $808
$125,000 to $149,999 2,140 11.0% $1010
$150,000 to $174,999 2,142 11.0% $1192
$175,000 to $199,999 1,342 6.0% $1375
$200,000 to $249,999 1,799 9.0% $1664
$250,000 to $299,999 1,238 6.0% $2029
$300,000 to $399,999 955 4.0% $2578

Renters Insurance in Dothan

  • Average Renters Insurance in Dothan :  $228($19/month)

  • Median Gross Rent in Dothan :  $649

  • Dothan Renters Insurance to Median Rent Ratio:  2.93%

  • Renter occupied housing units in Dothan :  11,910

Dothan Renters Insurance as a Percentage of Rent

Dothan Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 212 1.0% $357
$200 to $299 560 5.0% $807
$300 to $499 2,025 18.0% $1257
$500 to $749 4,326 39.0% $1932
$750 to $999 2,670 24.0% $2682
$1,000 to $1,499 965 8.0% $3807
$1,500 or more 194 1.0% $5457

Rent Affordability in Dothan:

Approximately 46.0% (5,517) of households are spending more than 35% of their income on gross rent in Dothan

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,591 13.0%
15.0 to 19.9 percent 1,509 12.0%
20.0 to 24.9 percent 1,258 10.0%
25.0 to 29.9 percent 1,169 9.0%
30.0 to 34.9 percent 866 7.0%
35.0 percent or more 5,517 46.0%

Protective device discount in Dothan Up to :  $34

Claims-free discount in Dothan Up to :  $45