Killeen Insurance Rates:

Killeen, TX home insurance is about $874 to $1,184, about $72-$98/month. Our complete guide indicates shoppers can save upto $411 by comparing multiple quotes

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Killeen Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $480/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 2380 sqft Vacation Property Constructed In 1997 with Carpet Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $80/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1700 sqft Seasonal Residence Constructed In 2008 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1580/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Baths 1670 sqft Vacation Property Constructed In 2009 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $710/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Baths 2940 sqft Vacation Property Constructed In 2007 with Ceramic Tile Flooring, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 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 Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1400/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

5 Beds, 5 Baths 3780 sqft Seasonal Residence Constructed In 2008 with Ceramic Tile Flooring, Composition Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Single Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $310/4 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

5 Beds, 5 Bath 2100 sqft Rental Property Constructed In 1990 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Male who is Retired with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Killeen, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
76541 $72,400 $1,010
76549 $119,600 $1,030

Killeen Rates & Quotes Analysis:

Killeen Area Estimated House Insurance
Leatherwood Dr, Turtle Bend Dr, Llewellyn Ln, Market Blvd, Triangle Rd, Gardenia Ave, S Park St, San Antonio St, Birchwood Dr, Upper Ridge Ct$1,005
Lobo Trl, Zinnia Cir, Cox Dr, Sherwood Loop, Burk Dr, Cedar Cove Spr, Edgefield St, Edgefield St, N 60th St, Glynhill Ct$1,016
Courtney Ln, Inwood Cir, Daffodil Dr, Jeff Scott Dr, Smith Dr, el Dorado Dr, Wood St, Jefferies Ave, Tahuaya Dr, Libby Ln$999
Dobbs Ave, Shady Dr, Mosaic Trl, Robert Tyler Dr, Evergreen Dr, Bamboo Ln, Lu Cir, Hank Dr, Goodnight Dr, Boyd Ave$1,001
Forest Hill Dr, Sorcerer Ct, Mohawk Dr, Full View Cir, Patton Dr, Parker Ln, Fox Creek Dr, Ridglea Ct, Grace, Nichols Cir$1,029
Coley Dr, E Cardinal Ln, Mary Jane Cir, Diaz Dr, Stampede Cir, Alexander St, Lancelot Dr, Garner Ave, Dewitt County Ct, Bream Cir$1,014
Mountain View Dr, Lorraine Cir, Copperfield Cir, E Valley Rd, Dugger Cir, Medina Dr, Chafin Dr, Attas Ave, W Kathey Rd, Godman St$1,012
Langford St, White Rock Dr, Westrim Dr, Cinnamon Stone Dr, Standridge St, Pinewood St, Amber Rene Dr, Cloud St, Audra Rd, Daytona Dr$1,039
Cessnock Dr, Pomegranate Cir, Ponderosa Dr, Aztec Trce, Dusty Holler Rd, Laura St, Ramblewood St, Reynard Cir, Estelle Ave, Golden Gate Dr$1,072
Trotwood Trl, Bayberry Dr, Sonora Dr, Fort Rd, Silver Creek Dr, Bowles Ranch Rd, Dorothy Ln, Coy Dr, Beaver Dr, Longview Dr$1,013

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,525 Homes (15% of total homes ) built between 1970 to 1979 in Killeen are paying home insurance between $1,668-$1,684. Places close to Killeen, TX such as Harker Heights, Nolanville, Southwest Bell are more expensive by $46, $11, $49 respectively while Fort Hood and Flat are cheaper by $61 and $53 respectively for similar homes.
  • Bedrooms: 13,790 4 bedrooms homes (21% of total homes ) in Killeen are paying about $1,245 and differs from Harker Heights (+$23), Southwest Bell (+$36), Bell County (+$12), Fort Hood (-$36) and Flat (-$40).
  • Auto Insurance Bundling: 13,545 Households (46% of all households) in Killeen have 2 vehicles available and when it is bundled with home insurance you can save $205 in contrast with Harker Heights ($211), Nolanville ($207), Fort Hood ($198).
  • Senior Discounts: 8,971 seniors (more than 55 years) occupied housing units (31% of total) in Killeen get discounts between $154 to $156. The comparative concessions in proximate regions such as Harker Heights, Nolanville and Fort Hood are $158, $155 and $148 respectively.
  • New Homes discounts: New homes such as the 37,944 homes built between 2000 to 2009 in Killeen can save $205 and similar new home insurance discounts in nearby towns and cities like Harker Heights, Nolanville and Fort Hood are $211, $207 and $198 respectively.

Killeen Homeowners insurance Facts

  • Killeen, TX has 28,881 owner occupied houses which is 52.5% of all units whereas Harker Heights, Nolanville and Fort Hood have 60.62%, 59.77% and 0.68% respectively.
  • Killeen, TX homeowners yearly insurance price at $1,029 is 0.88% of the typical house value of $116,900 which is in contrast with 0.63% in Harker Heights, 0.8% at Nolanville & 2.06% in Fort Hood.
  • Homeowners in Killeen, TX pay 2.74% of their income ($35,000 to $39,999) in insurance whereas homeowners in Harker Heights, Nolanville and Fort Hood pay 2.82%, 2.76% and 2.64% respectively.
  • Killeen, TX’s insurance is 6.8% of monthly housing costs of $1,268/month, for owners with a mortgage compared to 5.37% in Harker Heights, 6.49% at Nolanville & 6.25% in Southwest Bell. But, for households without a mortgage, insurance is 18.7% of costs ($459 in Killeen, TX) in contrast with 16.75% in Harker Heights, 20.75% at Nolanville & 15.87% in Southwest Bell.

Killeen, TX Home Values & Insurance rates

For example, insurance for 2,118 Homes (7.0% of total homes ) valued between Less than $50,000 in Killeen, TX is about $216. Rates in nearby areas in such as Harker Heights, Nolanville, Southwest Bell are cheaper by $69, $20, $68 respectively while Fort Hood and Flat are costlier by $289 and $202 respectively for similar homes.

Killeen, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,118 7.0% $216
$50,000 to $59,999 1,013 3.0% $452
$60,000 to $69,999 1,224 4.0% $565
$70,000 to $79,999 1,458 5.0% $658
$80,000 to $89,999 2,326 8.0% $740
$90,000 to $99,999 2,558 8.0% $833
$100,000 to $124,999 5,529 19.0% $967
$125,000 to $149,999 3,663 12.0% $1203
$150,000 to $174,999 3,022 10.0% $1430
$175,000 to $199,999 1,818 6.0% $1646
$200,000 to $249,999 2,114 7.0% $1975
$250,000 to $299,999 1,044 3.0% $2418
$300,000 to $399,999 543 1.0% $3076

Renters Insurance in Killeen

  • Average Renters Insurance in Killeen :  $207($17/month)

  • Median Gross Rent in Killeen :  $851

  • Killeen Renters Insurance to Median Rent Ratio:  2.0%

  • Renter occupied housing units in Killeen :  26,171

Killeen Renters Insurance as a Percentage of Rent

Killeen Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 2,061 8.0% $1251
$500 to $749 6,964 27.0% $1926
$750 to $999 7,996 31.0% $2676
$1,000 to $1,499 7,082 27.0% $3801
$1,500 or more 1,217 4.0% $5451

Rent Affordability in Killeen:

Approximately 39.0% (10,378) of households are spending more than 35% of their income on gross rent in Killeen

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,814 10.0%
15.0 to 19.9 percent 3,458 13.0%
20.0 to 24.9 percent 3,613 13.0%
25.0 to 29.9 percent 3,558 13.0%
30.0 to 34.9 percent 2,350 8.0%
35.0 percent or more 10,378 39.0%

Killeen Renters Insurance Discounts:

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

Number of Vehicles in Killeen, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 13,199 50.0% $20.7
2 vehicles available 8,730 33.0% $31.05
3 or more vehicles available 1,970 7.0% $41.4

Protective device discount in Killeen Up to :  $31

Claims-free discount in Killeen Up to :  $41