Hinesville Insurance Rates:

Hinesville, GA home insurance is about $745 to $1,011, about $62-$84/month. Our complete guide shows customers can save upto $351 by getting different quotes

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Hinesville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $280/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Bath 1710 sqft Seasonal Residence Constructed In 1981 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $90/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 1750 sqft Seasonal Residence Constructed In 1990 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Married Male who is Unemployed and has 1 Pet and is a Non-Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1160/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 2410 sqft Vacation Property Constructed In 2007 with Carpet Flooring, Metal Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $520/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Bath 1770 sqft Vacation Property Constructed In 1981 with Wood Flooring, Tile Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $50/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $295,000

4 Beds, 4 Bath 3260 sqft Rental Property Constructed In 2010 with Stone Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Fireplace, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $210/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1760 sqft Rental Property Constructed In 1981 with Carpet over wood flooring, Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $570/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Baths 3300 sqft Vacation Property Constructed In 1987 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Single Male who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $170/4 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Baths 1680 sqft Seasonal Residence Constructed In 1986 with Linoleum, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

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

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $190/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Bath 3330 sqft Rental Property Constructed In 2010 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $320/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Bath 2330 sqft Primary Residence Constructed In 1998 with Carpet over wood flooring, Tile Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $600/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 2020 sqft Primary Residence Constructed In 2004 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $370/5 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Baths 1567 sqft Primary Residence Constructed In 1982 with Linoleum, Slate Shingles Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Single Female who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Hinesville, GA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
31313 $125,000 $880

Hinesville Rates & Quotes Analysis:

Hinesville Area Estimated House Insurance
Candler Rd, Flo Zechman Dr, McIntosh Pl, Bulloch Ct, Baysprings Ave, Meloney Dr, Palm Dr, State Rte 38, Cherry St, Lancaster Loop$876
Rye Patch Rd, Wooddale Dr, Hendry Ln, Bayleaf Pt, Shayna Dr NE, Magnolia Ln, Middleton Ln, Maxwell St, Terrell Dr, Kingston Ln$878
Trevor St, Cedar St, Dover Ln, W Mills St, Busbee Rd, Libby Ct, Christopher Dr, Smiley Ln, Cason, Charles Cir$872
Tempest Ln, Naktong Cir, John Wells R NE, Inwood Dr, Bender St, Stafford St, Sandy Run Dr, Cumberland Dr, Ruben Wells Rd, Flowers Dr$883
Wilder Rd, S Main St, Honeybee Ln, Groover Ct, Davis Ave, Firefinder Ln, Spanish Oak Dr, Cook Rd, Harrison Dr, Thornbriar Dr$895

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,837 Homes (13% of total) built between 1970 to 1979 in Hinesville are paying home insurance between $1,423-$1,437 in contrast with Flemington (+$56), Allenhurst (+$15), Bryan County (+$58), Gumbranch (-$15) and Walthourville (-$20).
  • Bedrooms: 3,943 4 bedrooms homes (18% of total homes ) in Hinesville are paying about $1,150. Areas near to Hinesville such as Flemington, Allenhurst, Bryan County are costlier by $44, $11, $47 respectively whereas Gumbranch and Walthourville are more economical by $12, $17 respectively for similar homes.
  • Auto Insurance Bundling: 4,092 Households (48% of all households) in Hinesville have 2 vehicles available and when it is bundled with home insurance you can save $175. Discounts for similar bundling in close by locations such as Flemington, Gumbranch, Allenhurst come to $182, $173, $177 respectively.
  • Senior Discounts: 3,001 seniors (more than 55 years) occupied housing units (35% of total) in Hinesville get discounts between $131 to $134 in contrast with Flemington ($136), Gumbranch ($130), Allenhurst ($133).
  • New Homes discounts: New homes such as the 12,474 homes built between 2000 to 2009 in Hinesville can save $175 and similar new home insurance discounts in nearby towns and cities like Flemington, Gumbranch and Allenhurst are $182, $173 and $177 respectively.

Hinesville Homeowners insurance Facts

  • Hinesville, GA has 8,466 owner occupied houses which is 45.2% of all units whereas Fort Stewart, Flemington and Gumbranch have 0.0%, 75.55% and 48.76% respectively.
  • Hinesville, GA homeowners yearly insurance price at $878 is 0.71% of the typical house value of $123,300 which is in contrast with 0.49% in Flemington, 0.82% at Gumbranch & 0.63% in Allenhurst.
  • Homeowners in Hinesville, GA pay 2.07% of their income ($40,000 to $44,999) in insurance whereas homeowners in Fort Stewart, Flemington and Gumbranch pay 1.91%, 2.15% and 2.04% respectively.
  • Hinesville, GA’s insurance is 6.2% of monthly housing costs of $1,180/month, for owners with a mortgage compared to 4.87% in Flemington, 6.63% at Gumbranch & 5.89% in Allenhurst. But, for households without a mortgage, insurance is 20.0% of costs ($366 in Hinesville, GA) in contrast with 12.16% in Flemington, 23.36% at Gumbranch & 20.48% in Allenhurst.

Hinesville, GA Home Values & Insurance rates

For example, insurance for 425 Homes (5.0% of total homes ) valued between $200,000 to $249,999 in Hinesville, GA is about $1,597. Rates in nearby areas in such as Flemington, Allenhurst, Liberty County are cheaper by $494, $178, $42 respectively while Walthourville and Ludowici North are costlier by $357 and $122 respectively for similar homes.

Hinesville, GA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 544 6.0% $175
$50,000 to $59,999 234 2.0% $368
$60,000 to $69,999 166 1.0% $456
$70,000 to $79,999 298 3.0% $526
$80,000 to $89,999 637 7.0% $597
$90,000 to $99,999 718 8.0% $676
$100,000 to $124,999 1,755 21.0% $781
$125,000 to $149,999 1,279 15.0% $974
$150,000 to $174,999 1,215 14.0% $1150
$175,000 to $199,999 680 8.0% $1334
$200,000 to $249,999 425 5.0% $1597
$250,000 to $299,999 276 3.0% $1957
$300,000 to $399,999 116 1.0% $2484

Renters Insurance in Hinesville

  • Average Renters Insurance in Hinesville :  $281($23/month)

  • Median Gross Rent in Hinesville :  $876

  • Hinesville Renters Insurance to Median Rent Ratio:  2.63%

  • Renter occupied housing units in Hinesville :  10,261

Hinesville Renters Insurance as a Percentage of Rent

Hinesville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 158 1.0% $820
$300 to $499 707 7.0% $1270
$500 to $749 2,594 25.0% $1945
$750 to $999 2,743 27.0% $2695
$1,000 to $1,499 3,236 32.0% $3820
$1,500 or more 460 4.0% $5470

Protective device discount in Hinesville Up to :  $42

Claims-free discount in Hinesville Up to :  $56