Groves Insurance Rates:

Groves, TX home insurance is approximately $865 to $1,173, about $72-$97/month. Our detailed guide reveals consumers can save as much as $407 by getting multiple quotes

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Groves Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $700/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Baths 2040 sqft Seasonal Residence Constructed In 1964 with Carpet over wood flooring, Composition Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Married Male 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 :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $200/3 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 930 sqft Primary Residence Constructed In 1971 with Linoleum, Tile Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $130/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Baths 3180 sqft Primary Residence Constructed In 1976 with Linoleum, Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $510/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

4 Beds, 4 Baths 1650 sqft Vacation Property Constructed In 1973 with Wood Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

44 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 Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $560/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Bath 1760 sqft Rental Property Constructed In 1984 with Carpet Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $430/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1340 sqft Primary Residence Constructed In 1972 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $300/4 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 970 sqft Rental Property Constructed In 1974 with Carpet Flooring, Shingles Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 700-749 Credit Score

Home Insurance Rate of $590/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Baths 3200 sqft Rental Property Constructed In 1964 with Wood Flooring, Tile Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Divorced Female who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Groves, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
77619 $97,500 $1,020

Groves Rates & Quotes Analysis:

Groves Area Estimated House Insurance
Holly St, Rainbow Ln, Little John Ln, Hayman St, Nottingham Ln, Fellswood Ln, Boyd Ave, Cleveland Ave, Cherry St, Hughann St$1,019
Walnut Ave, Gonzales Ln, Verde St, Barbara Ct, Delta Dr, W Washington Blvd, Lewis Foster Dr, Ruby Dr, Upton Dr, 16th St$1,007
Browning St, Pure Atlantic Rd, Bexley Ln, Roanoke Dr, Melody Dr, Marion Ave, Plaza St, Henry, Mazur Dr, Willow St$1,014
Frances Ct, Lexington Dr, Terrell St, Cleveland Ave, Castle Dr, Pure Atlantic Rd, Cove Dr, Grandview Ave, Port Neches Rd, Whitaker Ave$1,017
W Jefferson Blvd, Maple, Delilah Ct, Taylor Ave, Glazer Ave, High Ave, Duff Dr, Silverwood, Owens Ave, Mills Ave$1,023

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,263 Homes (32% of total) built between 1950 to 1959 in Groves are paying home insurance between $1,916-$1,931 compared to Port Neches (+$33), Nederland (+$15), Bridge City-Orangefield (+$29), Port Arthur (-$10) and Orange County (-$13).
  • Bedrooms: 720 1 bedroom homes (10% of total homes ) in Groves are paying about $602 and differs from Bridge City-Orangefield (+$9), Central Gardens (+$3), Fannett (+$15), Port Arthur (-$3) and Nederland (-$6).
  • Auto Insurance Bundling: 2,060 Households (44% of all households) in Groves have 2 vehicles available and when it is bundled with home insurance you can save $203 compared to Port Arthur ($202), Port Neches ($207), Nederland ($205).
  • Senior Discounts: 2,290 seniors (more than 55 years) occupied housing units (49% of total) in Groves get discounts between $152 to $155. The comparative concessions in proximate regions such as Port Arthur, Port Neches and Nederland are $152, $155 and $154 respectively.
  • New Homes discounts: New homes such as the 2,858 homes built between 2000 to 2009 in Groves can save $203 and similar new home insurance discounts in nearby towns and cities like Port Arthur, Port Neches and Nederland are $202, $207 and $205 respectively.

Groves Homeowners insurance Facts

  • Groves, TX has 4,655 owner occupied houses which is 71.7% of all units whereas Port Arthur, Port Neches and Nederland have 68.65%, 81.21% and 77.19% respectively.
  • Groves, TX homeowners yearly insurance price at $1,019 is 1.05% of the typical house value of $97,500 which is in contrast with 1.13% in Port Arthur, 0.79% at Port Neches & 0.91% in Nederland.
  • Homeowners in Groves, TX pay 1.36% of their income ($75,000 or more) in insurance whereas homeowners in Port Arthur, Port Neches and Nederland pay 1.35%, 1.38% and 1.37% respectively.
  • Groves, TX’s insurance is 6.9% of monthly housing costs of $1,223/month, for owners with a mortgage compared to 7.09% in Port Arthur, 6.43% at Port Neches & 7.11% in Nederland. But, for households without a mortgage, insurance is 21.4% of costs ($397 in Groves, TX) in contrast with 22.24% in Port Arthur, 17.85% at Port Neches & 18.73% in Nederland.

Groves, TX Home Values & Insurance rates

For example, insurance for 287 Homes (6.0% of total homes ) valued between $70,000 to $79,999 in Groves, TX is about $774. Rates in nearby areas in such as Port Neches, Nederland, Bridge City-Orangefield are cheaper by $183, $97, $154 respectively while Port Arthur and Orange County are costlier by $67 and $86 respectively for similar homes.

Groves, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 501 10.0% $254
$50,000 to $59,999 137 2.0% $540
$60,000 to $69,999 268 5.0% $672
$70,000 to $79,999 287 6.0% $774
$80,000 to $89,999 665 14.0% $886
$90,000 to $99,999 624 13.0% $988
$100,000 to $124,999 601 13.0% $1141
$125,000 to $149,999 916 19.0% $1436
$150,000 to $174,999 320 6.0% $1691
$175,000 to $199,999 96 2.0% $1956
$200,000 to $249,999 137 2.0% $2353
$250,000 to $299,999 67 1.0% $2873

Renters Insurance in Groves

  • Average Renters Insurance in Groves :  $222($18/month)

  • Median Gross Rent in Groves :  $753

  • Groves Renters Insurance to Median Rent Ratio:  2.39%

  • Renter occupied housing units in Groves :  1,837

Groves Renters Insurance as a Percentage of Rent

Groves Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 30 1.0% $355
$300 to $499 99 5.0% $1255
$500 to $749 722 41.0% $1930
$750 to $999 416 24.0% $2680
$1,000 to $1,499 446 25.0% $3805

Rent Affordability in Groves:

Approximately 33.0% (616) of households are spending more than 35% of their income on gross rent in Groves

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 130 7.0%
15.0 to 19.9 percent 655 35.0%
20.0 to 24.9 percent 179 9.0%
25.0 to 29.9 percent 220 11.0%
30.0 to 34.9 percent 37 2.0%
35.0 percent or more 616 33.0%

Groves Renters Insurance Discounts:

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

Number of Vehicles in Groves, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 996 54.0% $22.2
2 vehicles available 584 31.0% $33.3
3 or more vehicles available 74 4.0% $44.4

Groves Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 147 8.0% $75
60 to 64 years 71 3.0% $60
65 to 74 years 58 3.0% $48
75 years and over 95 5.0% $37

Protective device discount in Groves Up to :  $33

Claims-free discount in Groves Up to :  $44