Hickory Insurance Rates:

Hickory, NC home insurance is about $503 to $682, about $41-$56/month. Our detailed guide reveals consumers can save as much as $236 by comparing multiple quotes

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Hickory Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $60/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 1660 sqft Seasonal Residence Constructed In 2009 with Wood Flooring, Slate Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Smoker

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

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $590/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 2140 sqft Seasonal Residence Constructed In 1987 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Married Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $830/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $305,000

5 Beds, 5 Baths 3310 sqft Primary Residence Constructed In 1978 with Stone Flooring, Composition Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, Fireplace, Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $110/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $330,000

5 Beds, 5 Baths 4550 sqft Vacation Property Constructed In 1988 with Carpet Flooring, Membrane Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $140/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 2060 sqft Primary Residence Constructed In 1977 with Carpet over wood flooring, Metal Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Single Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $290/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

4 Beds, 4 Baths 1860 sqft Seasonal Residence Constructed In 2007 with Wood Flooring, Tile Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Single Female 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 :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $570/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $350,000

5 Beds, 5 Baths 4830 sqft Seasonal Residence Constructed In 1992 with Ceramic Tile Flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $880/4 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Baths 3240 sqft Primary Residence Constructed In 1961 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 550-599 Credit Score

  • Guests at home

Hickory, NC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
28601 $148,100 $600
28602 $120,100 $600

Hickory Rates & Quotes Analysis:

Hickory Area Estimated House Insurance
8th Street Dr SE, Brickfield St, J A Yount Farm Rd, Hall St, State Rd 1346, Roger Hill Rd, 26th St SE, 17th Street Ct NE, Sumpter Dr, State Rd 1621$592
Forest Ridge Dr, 20th Avenue Pl NW, 22nd St SE, State Rd 1103, Nello Dr, State Rd 1474, 20th Avenue Dr NW, 10th Ave SW, State Rd 1404, 29th Street Pl NE$574
Salem Rd, State Rd 1179, Meadow Creek Dr, State Rd 2262, 35th Street Pl NE, State Rd 1423, State Rd 2508, 32nd Street Dr SW, State Rd 1286, 5th St SE$590
State Rd 2257, Finger Bridge Rd, Gordon Rd, 10th St SE, State Rd 1527, 15th Street Ct NE, State Rd 1601, Montclair Cir, State Rd 1239, 25th St NE$581
Long Dr, Reepsville Rd, 7th Street Blvd SE, Roberts Dr, State Rd 1124, State Rd 1176, State Rd 1134, W 1st St, 13th Avenue Dr SE, 23rd Street Ct SE$598
State Rd 1455, 33rd Street Pl NE, Government Ave SW, Spurr Tree Ln, Old Buff Rd, 32nd St NE, Dead Oak Rd, 4th Street Pl NW, Winding Oak Dr, Baker Barn Rd$596
Sugar Maple Ln, 35th Avenue Ln NE, 20th Avenue Pl NW, State Rd 1144, 11th Ave NE, 9th Avenue Pl SW, Anastasia Way, Obie Ct, State Rd 1260, State Rd 1132$593
State Rd 2304, State Rd 1225, 2nd Street Dr SW, State Rd 1169, 14th St SE, State Rd 2298, Thistle Ct, 5th Avenue Ct NE, 19th Ave SW, 22nd Ave NE$589
Ransom Dr, State Rd 2287, 17th St NW, Charles Ray Buckner Rd, State Rd 1410, 20th Street Cir SW, Windy Hill Dr NW, 1st Street Ct NW, Pisgah St, 16th St SE$588
State Rd 1470, State Rd 1523, 3rd Avenue Ct SW, State Rd 1200, State Rd 2599, Driftwood Dr, State Rd 1537, Barbara Dr, State Rd 1320, Sleepy Hollow Dr$589

Insurance rates are influenced by a number of factors including:

  • Year Built: 5,289 Homes (18% of total homes ) built between 1980 to 1989 in Hickory are paying home insurance between $883-$892. Places close to Hickory, NC such as Northlakes, Bethlehem, Lincoln County are more expensive by $24, $15, $12 respectively while Brookford and Long View are cheaper by $24 and $21 respectively for similar homes.
  • Bedrooms: 3,113 4 bedrooms homes (11% of total homes ) in Hickory are paying about $716 compared to Northlakes (+$19), Bethlehem (+$12), Wittenburg (+$3), Brookford (-$20) and Long View (-$17).
  • Auto Insurance Bundling: 3,813 Households (25% of all households) in Hickory have 3 or more vehicles available and when it is bundled with home insurance you can save $148 in contrast with Brookford ($144), Long View ($144), Mountain View ($147).
  • Senior Discounts: 7,893 seniors (more than 55 years) occupied housing units (53% of total) in Hickory get discounts between $88 to $91 and differs from Brookford ($86), Mountain View ($88), Northlakes ($91).
  • New Homes discounts: New homes such as the 11,308 homes built between 2000 to 2009 in Hickory can save $118 and differs from Brookford ($115), Long View ($115), Mountain View ($118).

Hickory Homeowners insurance Facts

  • Hickory, NC has 14,774 owner occupied houses which is 60.8% of all units whereas Brookford, Long View and Mountain View have 47.95%, 66.67% and 83.93% respectively.
  • Hickory, NC homeowners yearly insurance price at $592 is 0.44% of the typical house value of $133,900 which is in contrast with 0.7% in Brookford, 0.65% at Long View & 0.45% in Mountain View.
  • Homeowners in Hickory, NC pay 0.79% of their income ($75,000 or more) in insurance whereas homeowners in Brookford, Long View and Mountain View pay 0.77%, 0.77% and 0.79% respectively.
  • Hickory, NC’s insurance is 4.4% of monthly housing costs of $1,113/month, for owners with a mortgage compared to 5.16% in Brookford, 5.45% at Long View & 5.21% in Mountain View. But, for households without a mortgage, insurance is 14.9% of costs ($332 in Hickory, NC) in contrast with 16.61% in Brookford, 17.02% at Long View & 18.87% in Mountain View.

Hickory, NC Home Values & Insurance rates

For example, insurance for 356 Homes (2.0% of total homes ) valued between $50,000 to $59,999 in Hickory, NC is about $230. Rates in nearby areas in such as Jacobs Fork, Wittenburg, Claremont are cheaper by $11, $16, $11 respectively while Brookford and Long View are costlier by $132 and $111 respectively for similar homes.

Hickory, NC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 995 7.0% $106
$50,000 to $59,999 356 2.0% $230
$60,000 to $69,999 547 3.0% $284
$70,000 to $79,999 723 5.0% $331
$80,000 to $89,999 821 5.0% $372
$90,000 to $99,999 899 6.0% $414
$100,000 to $124,999 2,270 16.0% $485
$125,000 to $149,999 2,197 15.0% $603
$150,000 to $174,999 1,765 12.0% $716
$175,000 to $199,999 766 5.0% $828
$200,000 to $249,999 980 7.0% $994
$250,000 to $299,999 832 5.0% $1213
$300,000 to $399,999 732 5.0% $1545

Renters Insurance in Hickory

  • Average Renters Insurance in Hickory :  $119($9/month)

  • Median Gross Rent in Hickory :  $646

  • Hickory Renters Insurance to Median Rent Ratio:  1.39%

  • Average household size of renter-occupied unit :  2.44

Hickory Renters Insurance as a Percentage of Rent

Hickory Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 206 2.0% $329
$200 to $299 276 3.0% $779
$300 to $499 1,460 16.0% $1229
$500 to $749 4,106 45.0% $1904
$750 to $999 2,174 23.0% $2654
$1,000 to $1,499 747 8.0% $3779
$1,500 or more 154 1.0% $5429

Rent Affordability in Hickory:

Approximately 38.0% (3,701) of households are spending more than 35% of their income on gross rent in Hickory

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,497 15.0%
15.0 to 19.9 percent 1,117 11.0%
20.0 to 24.9 percent 1,259 13.0%
25.0 to 29.9 percent 872 9.0%
30.0 to 34.9 percent 1,092 11.0%
35.0 percent or more 3,701 38.0%

Protective device discount in Hickory Up to :  $17

Claims-free discount in Hickory Up to :  $23