San Angelo Insurance Rates:

San Angelo, TX home insurance is approximately $862 to $1,170, about $71-$97/month. Our extensive guide reveals consumers can save upto $406 by getting multiple quotes

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San Angelo Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $1450/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

5 Beds, 5 Bath 3210 sqft Primary Residence Constructed In 2001 with Wood Flooring, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $1320/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 2610 sqft Primary Residence Constructed In 1965 with Stone Flooring, Composition Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Married Female who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $70/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Bath 1560 sqft Primary Residence Constructed In 2003 with Stone Flooring, Metal Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $450/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $80,000

3 Beds, 3 Baths 1230 sqft Seasonal Residence Constructed In 1999 with Stone Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $100/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Bath 1850 sqft Vacation Property Constructed In 1969 with Carpet over wood flooring, Metal Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Divorced Female who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $240/4 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 1220 sqft Vacation Property Constructed In 1967 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Swimming Pool, Fireplace, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $240/4 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 1100 sqft Rental Property Constructed In 1967 with Linoleum, Composition Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

29 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 Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $430/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 3140 sqft Rental Property Constructed In 1985 with Stone Flooring, Slate Shingles Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 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

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $1680/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 2300 sqft Rental Property Constructed In 1990 with Linoleum, Tile Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Female who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $660/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

2 Beds, 2 Bath 1360 sqft Seasonal Residence Constructed In 1985 with Linoleum, Membrane Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

San Angelo, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
76901 $89,200 $1,020
76905 $87,300 $1,010
76903 $61,200 $1,000
76904 $153,000 $1,050

San Angelo Rates & Quotes Analysis:

San Angelo Area Estimated House Insurance
Arthur St, Chestnut St, Nottingham Rd, W 9th St, Brazos St, Iron Horse Dr, Cauley Ln, Blue Grama Cir, W 25th St, Lipan Dr$980
Spy Glass Dr, Equestrian Blvd, N Lincoln St, Barbara St, E Washington Dr, Hidalgo St, W Huntington Ln, Windmill Dr, Garden Rd, McGill Blvd$1,081
Dominion Ridge Cir, Ranch Rd 2105, S Garfield St, W FM 1692, Judith Ln, Jade Dr, Gilbert St, Adobe Dr, Texas Ave, W 13th St$1,020
McCleery Rd, Inglewood Dr, Briargrove Ln, W 43rd St, E 19th 1/2 St, FM 765, Hohmann Rd, Country Club Rd, Freeland Ave, Paint Rock Rd$1,012
Montecito Dr, FM 765, E 37th St, Sea Island Rd, FM 1692, Culwell St, Ridgecrest Ln, Tempe Post Dr, US Hwy 277 S, Wade St$1,012
Petite Ln, Liberty Ct, Santiago Canyon, State Spur 378, W FM 2105, Ardmore St, Fall Creek Dr, Streicher Rd, Nottingham Dr, Wiley St$1,034
N Malone St, School House Dr, Allen Ln, W Ave Q, James Ln, Nelson Ave, Hilton Head Blvd, Houston Harte Frontage Rd N, E York Rd, W Garden Rd$1,043
Short St, Head of the River Rd, Chinook Cir, Coral Way, W Ave S, N Malone St, E 41st Pl, E Ave L, E 20th St, S Englert Rd$1,005
Selman Ct, W 25th St, Warrior Ave, Plantation Ct, Santa Fe Park Dr, S Evans St, W Ave D, Sierra Cir, Catalina Dr, Red Oak Ln$1,016
N Marie St, N Cecil St, Northstar Dr, Hanson Ave, Beverly Ct, Bradford St, Green Ridge Dr, Ute Pass, Janie Ln, Smith Blvd$1,009

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,004 Homes (15% of total homes ) built between 1950 to 1959 in San Angelo are paying home insurance between $1,913-$1,928. Places close to San Angelo, TX such as West Tom Green, East Tom Green, Mertzon North are more expensive by $63, $21, $158 respectively while Grape Creek and Carlsbad are cheaper by $28 and $42 respectively for similar homes.
  • Bedrooms: 11,088 2 bedrooms homes (28% of total homes ) in San Angelo are paying about $631 and varies from West Tom Green (+$11), Mertzon North (+$40), Menard East (+$16), Tom Green County (-$10) and East Tom Green (-$3).
  • Auto Insurance Bundling: 9,823 Households (45% of all households) in San Angelo have 2 vehicles available and when it is bundled with home insurance you can save $203. Discounts for similar bundling in close by locations such as Tom Green County, West Tom Green, East Tom Green come to $203, $210, $205 respectively.
  • Senior Discounts: 11,524 seniors (more than 55 years) occupied housing units (53% of total) in San Angelo get discounts between $152 to $154 and differs from Tom Green County ($152), West Tom Green ($157), East Tom Green ($154).
  • New Homes discounts: New homes such as the 13,475 homes built between 2000 to 2009 in San Angelo can save $203 and varies from Tom Green County ($203), West Tom Green ($210), East Tom Green ($205).

San Angelo Homeowners insurance Facts

  • San Angelo, TX has 21,718 owner occupied houses which is 60.9% of all units whereas Tom Green County, West Tom Green and East Tom Green have 64.81%, 78.33% and 87.8% respectively.
  • San Angelo, TX homeowners yearly insurance price at $1,017 is 1.09% of the typical house value of $93,500 which is in contrast with 1.06% in Tom Green County, 0.68% at West Tom Green & 0.88% in East Tom Green.
  • Homeowners in San Angelo, TX pay 1.51% of their income ($60,000 to $74,999) in insurance whereas homeowners in Tom Green County, West Tom Green and East Tom Green pay 1.51%, 1.56% and 1.52% respectively.
  • San Angelo, TX’s insurance is 7.9% of monthly housing costs of $1,077/month, for owners with a mortgage compared to 7.7% in Tom Green County, 6.44% at West Tom Green & 6.69% in East Tom Green. But, for households without a mortgage, insurance is 21.8% of costs ($388 in San Angelo, TX) in contrast with 21.92% in Tom Green County, 18.63% at West Tom Green & 19.85% in East Tom Green.

San Angelo, TX Home Values & Insurance rates

For example, insurance for 4,070 Homes (19.0% of total homes ) valued between Less than $50,000 in San Angelo, TX is about $264. Rates in nearby areas in such as Tom Green County, West Tom Green, East Tom Green are cheaper by $10, $96, $48 respectively while Grape Creek and Carlsbad are costlier by $106 and $183 respectively for similar homes.

San Angelo, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 4,070 19.0% $264
$50,000 to $59,999 1,392 6.0% $569
$60,000 to $69,999 1,689 7.0% $701
$70,000 to $79,999 1,539 7.0% $813
$80,000 to $89,999 1,671 7.0% $915
$90,000 to $99,999 1,423 6.0% $1027
$100,000 to $124,999 2,319 10.0% $1189
$125,000 to $149,999 2,154 10.0% $1494
$150,000 to $174,999 2,031 9.0% $1759
$175,000 to $199,999 823 3.0% $2034
$200,000 to $249,999 1,054 4.0% $2450
$250,000 to $299,999 607 2.0% $2989
$300,000 to $399,999 531 2.0% $3803

Renters Insurance in San Angelo

  • Average Renters Insurance in San Angelo :  $225($18/month)

  • Median Gross Rent in San Angelo :  $681

  • San Angelo Renters Insurance to Median Rent Ratio:  2.64%

  • Average household size of renter-occupied unit :  2.34

San Angelo Renters Insurance as a Percentage of Rent

San Angelo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 166 1.0% $356
$200 to $299 586 4.0% $806
$300 to $499 1,335 10.0% $1256
$500 to $749 5,290 41.0% $1931
$750 to $999 2,941 23.0% $2681
$1,000 to $1,499 2,157 16.0% $3806
$1,500 or more 290 2.0% $5456

Rent Affordability in San Angelo:

Approximately 44.0% (6,152) of households are spending more than 35% of their income on gross rent in San Angelo

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,509 10.0%
15.0 to 19.9 percent 2,407 17.0%
20.0 to 24.9 percent 1,281 9.0%
25.0 to 29.9 percent 1,226 8.0%
30.0 to 34.9 percent 1,362 9.0%
35.0 percent or more 6,152 44.0%

Protective device discount in San Angelo Up to :  $33

Claims-free discount in San Angelo Up to :  $45