Joplin Insurance Rates:

Joplin, MO home insurance is approximately $809 to $1,098, about $67-$91/month. Our exhaustive analysis reveals consumers can save as much as $381 by getting many quotes

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Joplin Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $300/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 2060 sqft Seasonal Residence Constructed In 1997 with Hardwood Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Fireplace, Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Married 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

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $420/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 2590 sqft Vacation Property Constructed In 2013 with Carpet Flooring, Composition Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $250/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1760 sqft Seasonal Residence Constructed In 1966 with Linoleum, Composition Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $430/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Bath 2380 sqft Vacation Property Constructed In 1965 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $80/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Baths 2620 sqft Vacation Property Constructed In 1994 with Wood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 3 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 $240/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Bath 2860 sqft Vacation Property Constructed In 2005 with Wood Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $380/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 1100 sqft Vacation Property Constructed In 1949 with Carpet Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $310/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 1880 sqft Primary Residence Constructed In 1965 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Single Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Joplin, MO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
64801 $99,600 $960
64804 $109,900 $970

Joplin Rates & Quotes Analysis:

Joplin Area Estimated House Insurance
Saginaw Rd, Jasper Ln, Oskosh Ln, Angela Ln, Mc Clelland Blvd, State Line Rd, Fuji Ln, Skyline Dr, E 45th St, Impala Rd$961
Shetland Rd, Hickory Hill Way, Cherry Rd, E Market St, E 36th St, W Notting Hill Dr, Deer Dr, Riverside Dr, Montgomery St, Berry Hill Ln$961
E 35th St, Buttercup Dr, Macon Ln, McIntosh Cir, Elm Dr, Aspen Rd, Robin Dr, Pine Tree Cir, Co Rd V, Parma Ln$965
Jamboree Ln, Oakmont Dr, SE 118th St, Abby Ln, Elm Dr, Payne St, Rd 240, S E 118th St, Mark Twain Dr, Finley Ave$988
Pilot Ln, Woodcrest Dr, School St, S Diane Ct, Walleye Rd, Rd 29S, Bedford Pl, Cardiff Ln, Cedar Ridge Rd, E 47th St$977

Insurance rates are influenced by a number of factors including:

  • Year Built: 3,397 Homes (14% of total) built between 1990 to 1999 in Joplin are paying home insurance between $1,376-$1,390 and varies from Duquesne (+$12), Leawood (+$68), Silver Creek (+$71), Cliff Village (-$10) and Redings Mill (-$11).
  • Bedrooms: 2,719 1 bedroom homes (11% of total homes ) in Joplin are paying about $792 in contrast with Duquesne (+$7), Saginaw (+$3), Shoal Creek (+$23), Galena (-$9) and Redings Mill (-$16).
  • Auto Insurance Bundling: 5,490 Households (47% of all households) in Joplin have 2 vehicles available and when it is bundled with home insurance you can save $190. Discounts for similar bundling in close by locations such as Dennis Acres, Duquesne, Leawood come to $185, $192, $200 respectively.
  • Senior Discounts: 5,752 seniors (more than 55 years) occupied housing units (49% of total) in Joplin get discounts between $142 to $145. The comparative concessions in proximate regions such as Dennis Acres, Duquesne and Leawood are $138, $144 and $150 respectively.
  • New Homes discounts: New homes such as the 9,402 homes built between 2000 to 2009 in Joplin can save $190 in contrast with Dennis Acres ($185), Duquesne ($192), Leawood ($200).

Joplin Homeowners insurance Facts

  • Joplin, MO has 11,519 owner occupied houses which is 55.6% of all units whereas Dennis Acres, Duquesne and Leawood have 44.0%, 59.79% and 76.12% respectively.
  • Joplin, MO homeowners yearly insurance price at $954 is 0.98% of the typical house value of $97,400 which is in contrast with 1.6% in Dennis Acres, 0.88% at Duquesne & 0.62% in Leawood.
  • Homeowners in Joplin, MO pay 4.24% of their income ($20,000 to $24,999) in insurance whereas homeowners in Duquesne, Leawood and Shoal Creek Drive pay 4.28%, 4.45% and 4.24% respectively.
  • Joplin, MO’s insurance is 8.3% of monthly housing costs of $957/month, for owners with a mortgage compared to 6.96% in Dennis Acres, 7.97% at Duquesne & 6.27% in Leawood. But, for households without a mortgage, insurance is 22.2% of costs ($358 in Joplin, MO) in contrast with 32.39% in Dennis Acres, 18.64% at Duquesne & 20.25% in Leawood.

Joplin, MO Home Values & Insurance rates

For example, insurance for 886 Homes (7.0% of total homes ) valued between $90,000 to $99,999 in Joplin, MO is about $925. Rates in nearby areas in such as Duquesne, Leawood, Silver Creek are cheaper by $98, $345, $354 respectively while Shoal Creek Drive and Cliff Village are costlier by $18 and $97 respectively for similar homes.

Joplin, MO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,630 14.0% $238
$50,000 to $59,999 562 5.0% $505
$60,000 to $69,999 1,086 9.0% $629
$70,000 to $79,999 1,082 9.0% $734
$80,000 to $89,999 752 6.0% $829
$90,000 to $99,999 886 7.0% $925
$100,000 to $124,999 1,976 17.0% $1068
$125,000 to $149,999 1,162 10.0% $1345
$150,000 to $174,999 663 5.0% $1583
$175,000 to $199,999 461 4.0% $1831
$200,000 to $249,999 494 4.0% $2203
$250,000 to $299,999 221 1.0% $2690
$300,000 to $399,999 164 1.0% $3424

Renters Insurance in Joplin

  • Average Renters Insurance in Joplin :  $218($18/month)

  • Median Gross Rent in Joplin :  $667

  • Joplin Renters Insurance to Median Rent Ratio:  2.7%

  • Renter occupied housing units in Joplin :  9,193

Joplin Renters Insurance as a Percentage of Rent

Joplin Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 178 2.0% $354
$200 to $299 372 4.0% $804
$300 to $499 1,331 15.0% $1254
$500 to $749 3,726 42.0% $1929
$750 to $999 2,154 24.0% $2679
$1,000 to $1,499 861 9.0% $3804

Rent Affordability in Joplin:

Approximately 42.0% (3,949) of households are spending more than 35% of their income on gross rent in Joplin

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,309 14.0%
15.0 to 19.9 percent 1,142 12.0%
20.0 to 24.9 percent 748 8.0%
25.0 to 29.9 percent 1,138 12.0%
30.0 to 34.9 percent 907 9.0%
35.0 percent or more 3,949 42.0%

Protective device discount in Joplin Up to :  $32

Claims-free discount in Joplin Up to :  $43