LaGrange Insurance Rates:

LaGrange, GA home insurance is nearly $743 to $1,010, about $61-$84/month. Our complete research shows customers can save upto $350 by comparing many quotes

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Read LaGrange, Georgia Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

LaGrange Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $220/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

5 Beds, 5 Baths 3630 sqft Seasonal Residence Constructed In 1993 with Stone Flooring, Shingles Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fireplace, 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 $75-$100,000 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 $220/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Baths 1600 sqft Rental Property Constructed In 1986 with Wood Flooring, Metal Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Single Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

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

  • 650-699 Credit Score

Home Insurance Rate of $530/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

5 Beds, 5 Baths 1800 sqft Rental Property Constructed In 1998 with Carpet Flooring, Shingles Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $30/1 month for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $80,000

3 Beds, 3 Bath 1280 sqft Vacation Property Constructed In 2013 with Linoleum, Tile Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $430/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

4 Beds, 4 Baths 1770 sqft Primary Residence Constructed In 1987 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Fireplace, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $200/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Bath 1560 sqft Primary Residence Constructed In 1980 with Ceramic Tile Flooring, Wood Shake Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 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

Home Insurance Rate of $390/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Bath 1670 sqft Primary Residence Constructed In 1981 with Carpet Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $540/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Baths 3200 sqft Vacation Property Constructed In 2008 with Linoleum, Membrane Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1550/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $285,000

5 Beds, 5 Baths 4000 sqft Seasonal Residence Constructed In 2012 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Single Male who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $50/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Bath 2960 sqft Vacation Property Constructed In 1987 with Hardwood Flooring, Tile Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

23 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 :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

Lagrange Rates & Quotes Analysis:

LaGrange Area Estimated House Insurance
Willowcrest Way, Creekside Dr, Whitaker Dr, Hanson Dr, W Haralson St, Bridgewood Dr, Kendrick Dr, Woodland Dr, Greenbriar Trl, Cape Ann Ct$920
Freedom Way, Loyd Pl, Sunset Dr, Hamilton Dr, S Upland Ct, Lincoln St, Boddie Rd, Poplar Cir, Glenn Robertson St, Old Hutchinson Mill Rd$873
Carnegie Ct, Stratford Pl, W Angela Dr, E Crovat St, Angela Dr, E Broome St, Peters St, Frost School Rd, Vernon Ferry Rd, Pinebrook Ct$893
Ridgeview Ct, Hammett Dr, Cedarcrest Rd, Handley St, Dunson St, Monroe St, Matthews St, Crown St, Martin Luther King Jr Ct, Canal St$846
Tommie Rd, Hunters Rdg, Willowood Rd, Chimney Ct, Robertson St, Oak Dr, Chatham St, Peninsula Dr, Tatum Heights Dr, Bridgette Blvd$873

Insurance rates are influenced by a number of factors including:

  • Year Built: 3,770 Homes (19% of total) built between 1980 to 1989 in LaGrange are paying home insurance between $1,308-$1,321 and differs from Oak Grove (+$27), Hillcrest (+$28), West Point (+$11), Hogansville (-$17) and Lone Oak (-$13).
  • Bedrooms: 2,776 4 bedrooms homes (14% of total homes ) in LaGrange are paying about $1,148. Areas near to LaGrange such as Oak Grove, Hillcrest, West Point are costlier by $24, $25, $10 respectively whereas Hogansville and Lone Oak are more economical by $15, $3 respectively for similar homes.
  • Auto Insurance Bundling: 4,515 Households (45% of all households) in LaGrange have 2 vehicles available and when it is bundled with home insurance you can save $175 and differs from Troup County ($175), Oak Grove ($179), Hillcrest ($179).
  • Senior Discounts: 5,039 seniors (more than 55 years) occupied housing units (51% of total) in LaGrange get discounts between $131 to $133. The comparative concessions in proximate regions such as Troup County, Oak Grove and West Point are $131, $134 and $132 respectively.
  • New Homes discounts: New homes such as the 7,496 homes built between 2000 to 2009 in LaGrange can save $175 and similar new home insurance discounts in nearby towns and cities like Troup County, Oak Grove and Hillcrest are $175, $179 and $179 respectively.

LaGrange Homeowners insurance Facts

  • Lagrange, GA has 9,842 owner occupied houses which is 56.4% of all units whereas Troup County, Oak Grove and Hillcrest have 61.8%, 84.37% and 90.82% respectively.
  • LaGrange, GA homeowners yearly insurance price at $877 is 0.72% of the typical house value of $121,700 which is in contrast with 0.71% in Troup County, 0.58% at Oak Grove & 0.57% in Hillcrest.
  • Homeowners in LaGrange, GA pay 1.17% of their income ($75,000 or more) in insurance whereas homeowners in Troup County, Oak Grove and Hillcrest pay 1.17%, 1.19% and 1.19% respectively.
  • LaGrange, GA’s insurance is 6.0% of monthly housing costs of $1,212/month, for owners with a mortgage compared to 6.16% in Troup County, 6.37% at Oak Grove & 5.73% in Hillcrest. But, for households without a mortgage, insurance is 18.6% of costs ($394 in LaGrange, GA) in contrast with 18.81% in Troup County, 16.46% at Oak Grove & 20.29% in Hillcrest.

LaGrange, GA Home Values & Insurance rates

For example, insurance for 1,128 Homes (12.0% of total homes ) valued between Less than $50,000 in LaGrange, GA is about $175. Rates in nearby areas in such as Oak Grove, Hillcrest, West Point are cheaper by $32, $32, $16 respectively while Hogansville and Lone Oak are costlier by $32 and $24 respectively for similar homes.

Lagrange, GA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,128 12.0% $175
$50,000 to $59,999 281 3.0% $377
$60,000 to $69,999 545 5.0% $464
$70,000 to $79,999 471 5.0% $534
$80,000 to $89,999 657 7.0% $605
$90,000 to $99,999 512 5.0% $684
$100,000 to $124,999 1,526 16.0% $789
$125,000 to $149,999 1,245 13.0% $982
$150,000 to $174,999 1,059 11.0% $1166
$175,000 to $199,999 357 3.0% $1350
$200,000 to $249,999 657 7.0% $1622
$250,000 to $299,999 310 3.0% $1982
$300,000 to $399,999 472 5.0% $2516

Renters Insurance in LaGrange

  • Average Renters Insurance in Lagrange :  $284($23/month)

  • Median Gross Rent in Lagrange :  $707

  • Lagrange Renters Insurance to Median Rent Ratio:  3.25%

  • Renter occupied housing units in Lagrange :  7,614

Lagrange Renters Insurance as a Percentage of Rent

Lagrange Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 95 1.0% $371
$200 to $299 405 5.0% $821
$300 to $499 721 10.0% $1271
$500 to $749 2,700 37.0% $1946
$750 to $999 1,994 28.0% $2696
$1,000 to $1,499 1,075 15.0% $3821
$1,500 or more 129 1.0% $5471

Protective device discount in Lagrange Up to :  $42

Claims-free discount in Lagrange Up to :  $56