New Castle Insurance Rates:

New Castle, CO home insurance is nearly $759 to $1,036, about $63-$86/month. Our comprehensive analysis indicates shoppers can save upto $358 by comparing different quotes

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New Castle, Colorado Homeowners Insurance Reviews separate fact from fiction. Compare realistic quotes from the best home insurance providers.

New Castle Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $800/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $325,000

4 Beds, 4 Baths 2810 sqft Rental Property Constructed In 1983 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Married Male who is Retired and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $370/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $255,000

4 Beds, 4 Bath 1810 sqft Vacation Property Constructed In 1988 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Divorced Female who is Retired with household income of less than $25,000 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 $1850/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $385,000

5 Beds, 5 Bath 2850 sqft Primary Residence Constructed In 1986 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $680/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $335,000

4 Beds, 4 Baths 2920 sqft Vacation Property Constructed In 1994 with Wood Flooring, Metal Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Divorced Female who is Unemployed 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 $270/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 1400 sqft Vacation Property Constructed In 2014 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1180/7 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $635,000

5 Beds, 5 Baths 4920 sqft Primary Residence Constructed In 1992 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Divorced Female 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 :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $600/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $395,000

4 Beds, 4 Baths 3110 sqft Primary Residence Constructed In 2001 with Wood Flooring, Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $530/4 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $345,000

4 Beds, 4 Baths 2130 sqft Seasonal Residence Constructed In 2001 with Carpet Flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $860/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

3 Beds, 3 Baths 2390 sqft Vacation Property Constructed In 2003 with Linoleum, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $1180/6 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $655,000

5 Beds, 5 Baths 4750 sqft Seasonal Residence Constructed In 2013 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

New Castle, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
81647 $277,200 $900

New Castle Rates & Quotes Analysis:

New Castle Area Estimated House Insurance
9th St, N Golden Dr, Oak Ct, S Meadow Dr, Cedar Way, S Horseshoe Trl, Gleneagle Cir, Silverado Trl, N D Ave, Deer Valley Rd$895
Stage Coach Ln, Alkali Creek Rd, Co Rd 314, Firestone Ct, Grand Butte Ln, Maroon Ct, Clubhouse Dr, W 1st St, Johns Dr, Kim Dr$892
Bluebell Ln, Current Dr, Spring Creek, N 7th St, Spirit Way, Co Hwy 346, N 7th St, Richards Ave, Midland Ave, Riverboat Dr$906
Orchard Cir, Ute Cir, Co Rd 346, Bendehi Rd, Mohawk, Ballard Ave, Cheyenne Ave, Garfield Crk Rd, Alder Way, Dragonroot Dr$898
Co Rd 331, N 13th St, Owen Dr, River Frontage Rd, Broken Arrow, Co Rd 240, Co Hwy 239, N 1st St, White Feather Dr, Antler Loop$908

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,252 Homes (28% of total homes ) built between 1990 to 1999 in New Castle are paying home insurance between $1,294-$1,307. Places close to New Castle, CO such as Chacra, No Name, Glenwood Springs are more expensive by $75, $24, $84 respectively while Silt and Cattle Creek are cheaper by $15 and $90 respectively for similar homes.
  • Bedrooms: 1,025 2 bedrooms homes (23% of total homes ) in New Castle are paying about $368. Areas near to New Castle such as No Name, Glenwood Springs, Carbondale are costlier by $7, $24, $27 respectively whereas Silt and Cattle Creek are more economical by $4, $25 respectively for similar homes.
  • Auto Insurance Bundling: 1,186 Households (41% of all households) in New Castle have 3 or more vehicles available and when it is bundled with home insurance you can save $224. Discounts for similar bundling in close by locations such as Chacra, Silt, No Name come to $237, $221, $228 respectively.
  • Senior Discounts: 973 seniors (more than 55 years) occupied housing units (33% of total) in New Castle get discounts between $133 to $135. The comparative concessions in proximate regions such as Chacra, Silt and No Name are $142, $133 and $137 respectively.
  • New Homes discounts: New homes such as the 2,628 homes built between 2000 to 2009 in New Castle can save $179 in contrast with Chacra ($189), Silt ($177), No Name ($182).

New Castle Homeowners insurance Facts

  • New Castle, CO has 2,879 owner occupied houses which is 73.7% of all units whereas Chacra, Silt and No Name have 87.65%, 63.48% and 65.0% respectively.
  • New Castle, CO homeowners yearly insurance price at $897 is 0.33% of the typical house value of $274,100 which is in contrast with 0.22% in Chacra, 0.37% at Silt & 0.28% in No Name.
  • Homeowners in New Castle, CO pay 17.94% of their income (Less than $10,000) in insurance whereas homeowners in Silt, Rifle and Glenwood Springs pay 17.74%, 17.9% and 19.1% respectively.
  • New Castle, CO’s insurance is 4.2% of monthly housing costs of $1,769/month, for owners with a mortgage compared to 4.65% in Chacra, 4.14% at Silt & 5.87% in Cattle Creek. But, for households without a mortgage, insurance is 16.3% of costs ($458 in New Castle, CO) in contrast with 28.24% in Chacra, 22.6% at Silt & 9.87% in Cattle Creek.

New Castle, CO Home Values & Insurance rates

For example, insurance for 178 Homes (7.0% of total homes ) valued between $175,000 to $199,999 in New Castle, CO is about $609. Rates in nearby areas in such as Glenwood Springs, Garfield County, Carbondale are cheaper by $218, $80, $244 respectively while Silt and Rifle are costlier by $82 and $17 respectively for similar homes.

New Castle, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 202 8.0% $80
$50,000 to $59,999 37 1.0% $170
$70,000 to $79,999 50 2.0% $242
$100,000 to $124,999 42 1.0% $358
$125,000 to $149,999 75 3.0% $448
$150,000 to $174,999 120 5.0% $529
$175,000 to $199,999 178 7.0% $609
$200,000 to $249,999 465 20.0% $735
$250,000 to $299,999 499 21.0% $897
$300,000 to $399,999 579 25.0% $1139

Renters Insurance in New Castle

  • Average Renters Insurance in New Castle :  $167($13/month)

  • Median Gross Rent in New Castle :  $1,187

  • New Castle Renters Insurance to Median Rent Ratio:  1.1%

  • Average household size of renter-occupied unit :  3.35

New Castle Renters Insurance as a Percentage of Rent

New Castle Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 81 8.0% $1916
$750 to $999 256 25.0% $2666
$1,000 to $1,499 315 31.0% $3791
$1,500 or more 341 34.0% $5441

Rent Affordability in New Castle:

Approximately 42.0% (435) of households are spending more than 35% of their income on gross rent in New Castle

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 26 2.0%
15.0 to 19.9 percent 157 15.0%
20.0 to 24.9 percent 170 16.0%
25.0 to 29.9 percent 185 17.0%
30.0 to 34.9 percent 56 5.0%
35.0 percent or more 435 42.0%

New Castle Renters Insurance Discounts:

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

Number of Vehicles in New Castle, CO Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 224 21.0% $16.7
2 vehicles available 546 53.0% $25.05
3 or more vehicles available 201 19.0% $33.4

New Castle Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 40 3.0% $118
65 to 74 years 50 4.0% $77

Protective device discount in New Castle Up to :  $25

Claims-free discount in New Castle Up to :  $33