Lufkin Insurance Rates:

Lufkin, TX home insurance is approximately $859 to $1,165, about $71-$97/month. Our comprehensive research indicates shoppers can save upto $404 by getting multiple quotes

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Lufkin Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $620/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $240,000

5 Beds, 5 Baths 3540 sqft Primary Residence Constructed In 1980 with Carpet Flooring, Metal Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $190/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $190,000

5 Beds, 5 Baths 3110 sqft Vacation Property Constructed In 1995 with Stone Flooring, Wood Shake Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Single Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $390/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Bath 2760 sqft Vacation Property Constructed In 2013 with Carpet over wood flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 650-699 Credit Score

Home Insurance Rate of $300/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 3000 sqft Rental Property Constructed In 1974 with Stone Flooring, Tile Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $560/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1980 sqft Primary Residence Constructed In 1972 with Hardwood Flooring, Tile Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Single Female who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $920/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 2800 sqft Seasonal Residence Constructed In 2009 with Wood Flooring, Composition Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $2580/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

5 Beds, 5 Baths 3950 sqft Vacation Property Constructed In 2001 with Stone Flooring, Composition Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $450/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

4 Beds, 4 Baths 2540 sqft Seasonal Residence Constructed In 1963 with Linoleum, Membrane Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Fire Extinguisher, Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Married Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Lufkin, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
75904 $86,600 $1,010

Lufkin Rates & Quotes Analysis:

Lufkin Area Estimated House Insurance
Spikes St, Virgie Rd, N Forty Cir, FM 842 E, Co Rd 52C, Co Rd 111A, Charlton St, Paul Hawkins Rd, Fred St, Co Rd 141$998
E Jodie Ave, Joe Bynum, Oakwood Dr, Ruel St, Old Hwy 59, Co Rd 120, Kiwans Park Dr, Co Rd 237B, S Franklin St, Co Rd 237A$1,000
Mayo Pl, State Hwy 103 W, May St, Pine Cone Ln, Hubbard St, Shelly Dr, S Timberland Dr, Cripple Creek Rd, Shangri la Ct, Ross Nash Ln$1,012
Oakridge Cir, Renfro Dr, Mize St, Peace Ave, FM 326 N, Co Rd 136B, Houston St, Ford Chapel Rd, Weeks St, Ford Chapel Rd$995
Jefferson Ave, Kingston St, Wood Ave, Hickory Hollow Rd, Nye Lee St, Skeetwood St, Parker Ln, Knollwood Dr, Oscar Berry Rd, Post Oak Rd$1,010
Bending Oak St, Cascade Ct, Zoo Cir, Shady Pine St, Spyglass Dr, Co Rd 277, Columbia Ct, Lemans Dr, Co Rd 82, Lance St$1,060
Cimarron Dr, Maas St, Possum Trl, Co Rd 160, Pinehurst Dr, Morningside Dr, Renfro Dr, Northwood St, FM 3521, Homer Alto Rd$997
Pleasant Dr, Co Rd 115, Perry Dr, Redland Church Rd, Lane Dr, Corley Finley Rd, Jones St, E Polk Ave, Southwood Dr, Co Rd 153$998
N Bonner St, Holmes Rd, Chimney Rock Rd, N Timberland Dr, Columbine Dr, Hickory Hill Dr, Co Rd 132, S John Redditt Dr, Kentwood Dr, Old Homer Alto Rd$1,046
Towering Oak, Co Rd 33A, Twin Creek St, N Angelina St, Co Rd 68, Harvey Walker Rd, Kingwood Cir, Payton St, Knollwood St, Co Rd 30$1,029

Insurance rates are influenced by a number of factors including:

  • Year Built: 3,773 Homes (17% of total) built between 1980 to 1989 in Lufkin are paying home insurance between $1,510-$1,525 in contrast with Nacogdoches (+$14), Sam Rayburn (+$54), Westwood Shores (+$12), Redland (-$31) and Wells (-$24).
  • Bedrooms: 10,839 3 bedrooms homes (51% of total homes ) in Lufkin are paying about $790 and varies from Angelina County (+$9), Pleasant Hill (+$3), Trinity County (+$8), Redland (-$17) and Pollok (-$11).
  • Auto Insurance Bundling: 5,340 Households (44% of all households) in Lufkin have 2 vehicles available and when it is bundled with home insurance you can save $202 in contrast with Hudson ($202), Redland ($198), Burke ($202).
  • Senior Discounts: 6,438 seniors (more than 55 years) occupied housing units (53% of total) in Lufkin get discounts between $151 to $154 compared to Hudson ($152), Redland ($148), Burke ($151).
  • New Homes discounts: New homes such as the 8,382 homes built between 2000 to 2009 in Lufkin can save $202 in contrast with Hudson ($202), Redland ($198), Burke ($202).

Lufkin Homeowners insurance Facts

  • Lufkin, TX has 11,966 owner occupied houses which is 62.7% of all units whereas Hudson, Redland and Burke have 60.52%, 77.72% and 91.4% respectively.
  • Lufkin, TX homeowners yearly insurance price at $1,012 is 1.17% of the typical house value of $86,500 which is in contrast with 1.12% in Hudson, 2.02% at Redland & 1.22% in Burke.
  • Homeowners in Lufkin, TX pay 2.38% of their income ($40,000 to $44,999) in insurance whereas homeowners in Hudson, Redland and Burke pay 2.39%, 2.33% and 2.38% respectively.
  • Lufkin, TX’s insurance is 7.9% of monthly housing costs of $1,063/month, for owners with a mortgage compared to 7.34% in Hudson, 8.77% at Redland & 7.04% in Burke. But, for households without a mortgage, insurance is 20.8% of costs ($405 in Lufkin, TX) in contrast with 24.35% in Hudson, 32.26% at Redland & 33.8% in Burke.

Lufkin, TX Home Values & Insurance rates

For example, insurance for 625 Homes (5.0% of total homes ) valued between $200,000 to $249,999 in Lufkin, TX is about $2,631. Rates in nearby areas in such as Hudson, Nacogdoches, Nacogdoches County are cheaper by $107, $385, $260 respectively while Redland and Burke are costlier by $1,927 and $106 respectively for similar homes.

Lufkin, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,746 23.0% $283
$50,000 to $59,999 1,013 8.0% $607
$60,000 to $69,999 838 7.0% $759
$70,000 to $79,999 712 6.0% $870
$80,000 to $89,999 1,031 8.0% $991
$90,000 to $99,999 611 5.0% $1103
$100,000 to $124,999 984 8.0% $1285
$125,000 to $149,999 1,075 9.0% $1598
$150,000 to $174,999 1,100 9.0% $1892
$175,000 to $199,999 403 3.0% $2185
$200,000 to $249,999 625 5.0% $2631
$250,000 to $299,999 457 3.0% $3218
$300,000 to $399,999 202 1.0% $4088

Renters Insurance in Lufkin

  • Average Renters Insurance in Lufkin :  $231($19/month)

  • Median Gross Rent in Lufkin :  $743

  • Lufkin Renters Insurance to Median Rent Ratio:  2.56%

  • Average household size of renter-occupied unit :  2.61

Lufkin Renters Insurance as a Percentage of Rent

Lufkin Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 115 1.0% $807
$300 to $499 654 10.0% $1257
$500 to $749 2,501 38.0% $1932
$750 to $999 2,056 31.0% $2682
$1,000 to $1,499 959 14.0% $3807
$1,500 or more 181 2.0% $5457

Rent Affordability in Lufkin:

Approximately 50.0% (3,579) of households are spending more than 35% of their income on gross rent in Lufkin

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 853 11.0%
15.0 to 19.9 percent 625 8.0%
20.0 to 24.9 percent 669 9.0%
25.0 to 29.9 percent 946 13.0%
30.0 to 34.9 percent 441 6.0%
35.0 percent or more 3,579 50.0%

Lufkin Renters Insurance Discounts:

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

Number of Vehicles in Lufkin, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 3,967 55.0% $23.1
2 vehicles available 1,902 26.0% $34.65
3 or more vehicles available 295 4.0% $46.2

Lufkin Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 362 5.0% $74
60 to 64 years 280 3.0% $59
65 to 74 years 341 4.0% $48
75 years and over 595 8.0% $37

Protective device discount in Lufkin Up to :  $34

Claims-free discount in Lufkin Up to :  $46