Evansville Insurance Rates:

Evansville, IN home insurance is about $678 to $918, about $56-$76/month. Our thorough analysis shows customers can save as much as $319 by comparing multiple quotes

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Evansville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $30/1 month for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 980 sqft Rental Property Constructed In 1972 with Wood Flooring, Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 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 :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

Home Insurance Rate of $290/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1750 sqft Vacation Property Constructed In 1970 with Ceramic Tile Flooring, Tile Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $80/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Bath 2230 sqft Vacation Property Constructed In 1988 with Carpet Flooring, Composition Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Fireplace, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $190/7 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $60,000

2 Beds, 2 Bath 910 sqft Seasonal Residence Constructed In 1958 with Carpet Flooring, Tile Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Married Female who is a Freelancer with household income of less than $25,000 and has No Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

Evansville, IN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
47710 $91,000 $810
47714 $87,800 $800
47713 $64,800 $790
47708 $248,100 $900
47725 $174,800 $880
47715 $131,900 $840
47720 $131,100 $830
47711 $113,400 $820
47712 $109,100 $820

Evansville Rates & Quotes Analysis:

Evansville Area Estimated House Insurance
Clarendon Dr, Fawn Hill Ct, Drake Dr, NW 3rd St, N Villa Dr, Coconut Grove, E Olive St, Henning Ave, Commerce St, Fox Hollow Ct$823
Shamrock Dr, Halford Dr, Birchwood Ct, Lake Rd, Craig Ave, St George Rd, Derrington Dr, Frank Ave, Carolina Ave, Placid Pl$797
Moll Ave, N Boeke Rd, Lenape Ln, Lexington Rd, Winston Rd, E Franklin St, Plaza Dr, Alyssum Dr, Austin Ave, Ascot Ct$799
Omer Pl, Herbert Ave, Peach Ct, Old National Rd, N Lincoln Park Dr, Kings Path, Phelps Ln, Pirates Aly, Richardt Ave, Anguilla Ct$822
Carolwood Dr, Warren Dr, St Joseph Industrial Pk Dr, Riverside Expy, Hicks Dr, Strawberry Hill Rd, Jeanette Ave, Regents Park Rd, Vieth Ln, Grafflock Ave$826
Graff Rd, Audubon Dr, Texas Dr, Huckleberry Ln, Graham St, W Eichel Ave, Olmstead Rd, Blossom Ln, N Faith Way, N Tunis Ave$846
Kingswood Ct, Edson Ave, Morgan Center Dr, Greenfield Pl, Stanford Dr, Northfield Dr, Summerland Ct, Johnson Pl, Woodland Lake Rd, Nehaus Rd$825
Sleepy Hollow Dr, Cypress Ct, Egmont St, Hayes Dr, Lewis Ave, Read St, Nevada Ave, Kuiken Dr, Citadell Cir, S Red Bank Rd$846
Dover Ct, W Haven Dr, Forest Ave, Stanley Ave, Cub Cv, Edgar St, Cottonwood Ct, William L Brooks Dr, Shepherd Dr, Negley Ave$845
N Kelsey Ave, Shoreham Dr, E Waterford Bl, Carlton Ln, Knight Dr, Basil Dr, Sterchi Dr, Driver Dr, Glenmoor Dr, N Lemcke Ave$864

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,440 Homes (12% of total homes ) built between 1960 to 1969 in Evansville are paying home insurance between $1,396-$1,408. Places close to Evansville, IN such as Knight, Melody Hill, Vanderburgh County are more expensive by $12, $64, $27 respectively while Pigeon and Chandler are cheaper by $29 and $11 respectively for similar homes.
  • Bedrooms: 18,158 3 bedrooms homes (33% of total homes ) in Evansville are paying about $909 in contrast with Knight (+$7), Melody Hill (+$41), Vanderburgh County (+$25), Pigeon (-$11) and Chandler (-$7).
  • Auto Insurance Bundling: 11,784 Households (42% of all households) in Evansville have 2 vehicles available and when it is bundled with home insurance you can save $159. Discounts for similar bundling in close by locations such as Pigeon, Knight, Melody Hill come to $156, $160, $166 respectively.
  • Senior Discounts: 14,032 seniors (more than 55 years) occupied housing units (50% of total) in Evansville get discounts between $119 to $121 compared to Pigeon ($117), Knight ($120), Melody Hill ($125).
  • New Homes discounts: New homes such as the 16,821 homes built between 2000 to 2009 in Evansville can save $159 and similar new home insurance discounts in nearby towns and cities like Pigeon, Knight and Melody Hill are $156, $160 and $166 respectively.

Evansville Homeowners insurance Facts

  • Evansville, IN has 27,877 owner occupied houses which is 54.2% of all units whereas Pigeon, Knight and Melody Hill have 44.29%, 54.64% and 96.77% respectively.
  • Evansville, IN homeowners yearly insurance price at $798 is 0.88% of the typical house value of $90,500 which is in contrast with 1.22% in Pigeon, 0.81% at Knight & 0.57% in Melody Hill.
  • Homeowners in Evansville, IN pay 3.55% of their income ($20,000 to $24,999) in insurance whereas homeowners in Pigeon, Knight and Melody Hill pay 3.47%, 3.57% and 3.71% respectively.
  • Evansville, IN’s insurance is 6.9% of monthly housing costs of $968/month, for owners with a mortgage compared to 7.67% in Pigeon, 6.69% at Knight & 5.69% in Melody Hill. But, for households without a mortgage, insurance is 18.0% of costs ($370 in Evansville, IN) in contrast with 19.49% in Pigeon, 17.45% at Knight & 18.29% in Melody Hill.

Evansville, IN Home Values & Insurance rates

For example, insurance for 2,243 Homes (8.0% of total homes ) valued between $125,000 to $149,999 in Evansville, IN is about $1,204. Rates in nearby areas in such as Knight, Melody Hill, Vanderburgh County are cheaper by $95, $421, $229 respectively while Pigeon and Chandler are costlier by $475 and $110 respectively for similar homes.

Evansville, IN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,226 11.0% $215
$50,000 to $59,999 1,663 6.0% $462
$60,000 to $69,999 2,629 9.0% $566
$70,000 to $79,999 3,111 11.0% $654
$80,000 to $89,999 3,178 11.0% $742
$90,000 to $99,999 2,951 10.0% $829
$100,000 to $124,999 3,997 14.0% $965
$125,000 to $149,999 2,243 8.0% $1204
$150,000 to $174,999 1,861 6.0% $1428
$175,000 to $199,999 900 3.0% $1651
$200,000 to $249,999 945 3.0% $1987
$250,000 to $299,999 540 1.0% $2425
$300,000 to $399,999 305 1.0% $3080

Renters Insurance in Evansville

  • Average Renters Insurance in Evansville :  $237($19/month)

  • Median Gross Rent in Evansville :  $682

  • Evansville Renters Insurance to Median Rent Ratio:  2.79%

  • Average household size of renter-occupied unit :  2.13

Evansville Renters Insurance as a Percentage of Rent

Evansville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 591 2.0% $359
$200 to $299 857 3.0% $809
$300 to $499 3,219 14.0% $1259
$500 to $749 8,835 38.0% $1934
$750 to $999 6,096 26.0% $2684
$1,000 to $1,499 2,788 12.0% $3809
$1,500 or more 410 1.0% $5459

Protective device discount in Evansville Up to :  $35

Claims-free discount in Evansville Up to :  $47