Lawrenceburg Insurance Rates:

Lawrenceburg, TN home insurance is about $665 to $906, about $55-$75/month. Our comprehensive analysis shows customers can save as much as $314 by getting different quotes

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Lawrenceburg Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $770/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

5 Beds, 5 Baths 4150 sqft Rental Property Constructed In 1977 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $410/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

4 Beds, 4 Bath 1700 sqft Vacation Property Constructed In 1980 with Wood Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Single Male who is Unemployed and has No 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 $140/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Baths 2190 sqft Seasonal Residence Constructed In 1970 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1270/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $305,000

5 Beds, 5 Baths 4970 sqft Vacation Property Constructed In 1977 with Wood Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Divorced Female who is Unemployed and has 3 Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $60/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

5 Beds, 5 Baths 2330 sqft Primary Residence Constructed In 1985 with Stone Flooring, Metal Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $500/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

5 Beds, 5 Baths 2210 sqft Rental Property Constructed In 1994 with Stone Flooring, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Single Female who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Smoker

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $470/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Baths 1770 sqft Seasonal Residence Constructed In 1967 with Carpet over wood flooring, Tile Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $300/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $80,000

3 Beds, 3 Baths 1270 sqft Vacation Property Constructed In 1991 with Carpet over wood flooring, Metal Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Copper Water Pipes, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Female 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 :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $470/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Bath 2550 sqft Rental Property Constructed In 1965 with Wood Flooring, Tile Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Swimming Pool, Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Single Male who is Unemployed with household income of less than $25,000 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

Lawrenceburg, TN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
38464 $98,300 $800

Lawrenceburg Rates & Quotes Analysis:

Lawrenceburg Area Estimated House Insurance
Russell Ave, Paula Ave, Jackson Ave, Harvester Ave, Webb Rd, Meadow St, 5th Ave, Remke Ave, Brink St, Stingy Ridge Rd$786
Woodard St, Graves Dr, Co Hwy 1836, Hunter Rd, Michael Cir, Lee Rd, Groh St, Brink Ave, College St, Rayann St$794
Freedom Hill Rd, Grace Ln, Weakly Loop, Honeysuckle Dr, N Mahr Ave, May St, Pilkinton Dr, Staggs Rd, State Rte 15, Peters Rd$784
Co Hwy 932, Griffin Rd, James Rd, Freemon St, Gum Springs Rd, Eagle Factory Rd, Price Jenkins Rd, Cardinal Pl, Sanders Dr, Westwood Ln$786
Miller Ln, 2nd Ave, Business Ave, Gordon, Tripp Rd, Watson Ln, Perry St, Mildred St, Ridge Ln, Morningside Dr$795

Insurance rates are influenced by a number of factors including:

  • Year Built: 774 Homes (15% of total) built between 1980 to 1989 in Lawrenceburg are paying home insurance between $1,173-$1,184 compared to Summertown (+$17), Lester(AL) (+$223), Lexington(AL) (+$247), Ethridge (-$23) and Minor Hill (-$13).
  • Bedrooms: 1,332 2 bedrooms homes (27% of total homes ) in Lawrenceburg are paying about $574. Areas near to Lawrenceburg such as Summertown, Lester(AL), Lexington(AL) are costlier by $9, $110, $121 respectively whereas Lawrence County and Ethridge are more economical by $6, $11 respectively for similar homes.
  • Auto Insurance Bundling: 844 Households (33% of all households) in Lawrenceburg have 3 or more vehicles available and when it is bundled with home insurance you can save $196. Discounts for similar bundling in close by locations such as Lawrence County, Ethridge, Summertown come to $197, $192, $199 respectively.
  • Senior Discounts: 1,401 seniors (more than 55 years) occupied housing units (55% of total) in Lawrenceburg get discounts between $117 to $120. The comparative concessions in proximate regions such as Lawrence County, Ethridge and Summertown are $118, $115 and $119 respectively.
  • New Homes discounts: New homes such as the 1,472 homes built between 2000 to 2009 in Lawrenceburg can save $157 and similar new home insurance discounts in nearby towns and cities like Lawrence County, Ethridge and Summertown are $157, $154 and $159 respectively.

Lawrenceburg Homeowners insurance Facts

  • Lawrenceburg, TN has 2,543 owner occupied houses which is 55.7% of all units whereas Lawrence County, Ethridge and Summertown have 75.83%, 83.52% and 86.79% respectively.
  • Lawrenceburg, TN homeowners yearly insurance price at $786 is 0.86% of the typical house value of $91,700 which is in contrast with 0.81% in Lawrence County, 1.22% at Ethridge & 0.69% in Summertown.
  • Homeowners in Lawrenceburg, TN pay 2.86% of their income ($25,000 to $29,999) in insurance whereas homeowners in Lawrence County, Ethridge and Loretto pay 2.87%, 2.8% and 2.85% respectively.
  • Lawrenceburg, TN’s insurance is 7.1% of monthly housing costs of $928/month, for owners with a mortgage compared to 6.92% in Lawrence County, 5.94% at Ethridge & 7.59% in Summertown. But, for households without a mortgage, insurance is 20.3% of costs ($322 in Lawrenceburg, TN) in contrast with 19.9% in Lawrence County, 23.8% at Ethridge & 23.67% in Summertown.

Lawrenceburg, TN Home Values & Insurance rates

For example, insurance for 217 Homes (8.0% of total homes ) valued between $60,000 to $69,999 in Lawrenceburg, TN is about $550. Rates in nearby areas in such as Lawrence County, Giles County, Lexington are cheaper by $23, $23, $8 respectively while Ethridge and Loretto are costlier by $236 and $22 respectively for similar homes.

Lawrenceburg, TN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 452 18.0% $212
$50,000 to $59,999 153 6.0% $448
$60,000 to $69,999 217 8.0% $550
$70,000 to $79,999 186 7.0% $636
$80,000 to $89,999 218 8.0% $723
$90,000 to $99,999 265 10.0% $809
$100,000 to $124,999 272 10.0% $935
$125,000 to $149,999 209 8.0% $1171
$150,000 to $174,999 210 8.0% $1391
$175,000 to $199,999 53 2.0% $1603
$200,000 to $249,999 77 3.0% $1925
$250,000 to $299,999 70 2.0% $2358
$300,000 to $399,999 94 3.0% $2994

Renters Insurance in Lawrenceburg

  • Average Renters Insurance in Lawrenceburg :  $268($22/month)

  • Median Gross Rent in Lawrenceburg :  $485

  • Lawrenceburg Renters Insurance to Median Rent Ratio:  4.54%

  • Average household size of renter-occupied unit :  1.97

Lawrenceburg Renters Insurance as a Percentage of Rent

Lawrenceburg Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 265 14.0% $367
$200 to $299 212 11.0% $817
$300 to $499 498 26.0% $1267
$500 to $749 615 32.0% $1942
$750 to $999 201 10.0% $2692
$1,000 to $1,499 53 2.0% $3817
$1,500 or more 44 2.0% $5467

Rent Affordability in Lawrenceburg:

Approximately 39.0% (804) of households are spending more than 35% of their income on gross rent in Lawrenceburg

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 343 16.0%
15.0 to 19.9 percent 228 11.0%
20.0 to 24.9 percent 258 12.0%
25.0 to 29.9 percent 173 8.0%
30.0 to 34.9 percent 219 10.0%
35.0 percent or more 804 39.0%

Lawrenceburg Renters Insurance Discounts:

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

Number of Vehicles in Lawrenceburg, TN Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 1,033 51.0% $26.8
2 vehicles available 436 21.0% $40.2
3 or more vehicles available 109 5.0% $53.6

Lawrenceburg Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 114 5.0% $48
60 to 64 years 251 12.0% $38
65 to 74 years 112 5.0% $31
75 years and over 275 13.0% $24

Protective device discount in Lawrenceburg Up to :  $40

Claims-free discount in Lawrenceburg Up to :  $53