Terre Haute Insurance Rates:

Terre Haute, IN home insurance is about $669 to $907, about $55-$75/month. Our in depth analysis reveals consumers can save as much as $315 by getting different quotes

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Terre Haute Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Erie Insurance
Home Insurance Rate of $260/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $80,000

3 Beds, 3 Bath 1450 sqft Primary Residence Constructed In 1967 with Carpet over wood flooring, Tile Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $80/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

4 Beds, 4 Baths 2250 sqft Vacation Property Constructed In 1943 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $110/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Baths 3180 sqft Vacation Property Constructed In 1944 with Stone Flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Divorced 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

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $130/7 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $65,000

2 Beds, 2 Bath 1020 sqft Rental Property Constructed In 1943 with Hardwood Flooring, Shingles Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $980/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Bath 3370 sqft Rental Property Constructed In 1963 with Carpet Flooring, Wood Shake Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $370/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1750 sqft Primary Residence Constructed In 1949 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $60/2 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $70,000

2 Beds, 2 Bath 970 sqft Seasonal Residence Constructed In 1949 with Ceramic Tile Flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $350/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 2400 sqft Seasonal Residence Constructed In 1949 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

33 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

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $310/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

4 Beds, 4 Baths 1810 sqft Primary Residence Constructed In 1968 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Central Air Conditioning, Fireplace, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Single Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $550/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

4 Beds, 4 Bath 1920 sqft Seasonal Residence Constructed In 1963 with Linoleum, Shingles Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

State Farm

$600 for 12 Months

The home is currently assessed at 187000, for a 1500 sq ft, 2 bath, 3 bedroom home. This conventional wood frame home was built in the 1930's and has been updated with central air. Located in a peac ... read moreeful section of the city, in an established neighborhood with long history of property ownership. Three blocks away is the fire station. With State Farm I have not filed a single claim, but I like knowing it is there. My family has used State Farm for decades upon decades and would never consider another agent. I don't live in a high risk area for flooding so I don't have that option. I have what I consider to be reasonable deductibles, and over the past 15 years I've owned this property I've never really noticed a large increase in the rates. Very pleased with State Farm.

Terre Haute, IN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
47803 $99,500 $810
47804 $65,100 $780
47807 $45,200 $770
47802 $111,000 $820

Terre Haute Rates & Quotes Analysis:

Terre Haute Area Estimated House Insurance
S Cherrywood St, Oak St, N Fruitridge Ave, W Custer St, Orchard St, Prairie Ave, Pennsylvania Ave, Wisteria Ct, Fruitridge Glen Ln, Marion Way$829
S 13 1/2 St, Terry Ave, Franklin Ct, S Barrington Pl, Greenbriar Dr, S 27th St, E Fairway Dr, Douglas Dr, N 78 1/2 St, E Honey Hills Dr$820
S 37th St, Delaware Ave, Powder Horn Ct, Helen Ave, Buckskin Ct, W Florine Dr, Honey Creek Pl, Grandeway Ct, Old Royse Rd, N Archer St$822
W Astor Dr, Terri Lynn St, E 45th Ave, E Canter Dr, Woodside Way Dr, Garfield Ave, Paul Dresser Ave, E Old Fort Harrison Ave, E Blocksom Dr, E Oakdale Dr$811
S Luckett Pl, E 33rd Ave, E Gobblers Knob Ave, Duane Ave, S 26th St, S Thirteenth and One Half St, N Smith St, Meneely St, Alexander Rd, S Edison Pl$811
Trey Cir, Planett Rd, E Railroad Ave, Cedar Ridge Ct, W 66th Dr, E Southern Manor Dr, Honey Creek Rd, Cherry Ave, W Doolittle Dr, N Farrier St$818
E Gilchrist Dr, S 23rd St, E 2nd Ave, S 20th St, 115th St, McCullough Ave, E Swalls Dr, E 33rd Ave, S State Rd 63, N 80th St$818
S 11th 1/2 St, S Marilyn St, Trey Dr, Canal Ct, View Ave, N Lucas St, E Seth Ave, Bendway Ct, E Devonald Ave, E Wheeler Ave$830
Clark Ln, N Arden St, N Erickson St, 51st Ave, 700 W, 23 1/2 Dr, US Prison Rd, E 47th Ave, Oak Hill Ct, N 20th St$806
Meadows Ct, E Steelton Ave, Par 3 Ln, McDaniel Rd, North St, E Rosehill Ave, Spring Clean Dr, N 97th St, Watson Ave, S 29th St$820

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,653 Homes (45% of total) built between 1939 or earlier in Terre Haute are paying home insurance between $1,686-$1,697 and differs from Vigo County (+$20), Lost Creek (+$95), North Terre Haute (+$18), West Terre Haute (-$30) and Toad Hop (-$71).
  • Bedrooms: 8,182 3 bedrooms homes (32% of total homes ) in Terre Haute are paying about $898. Areas near to Terre Haute such as Dresser, Vigo County, Lost Creek are costlier by $18, $20, $50 respectively whereas Harrison and West Terre Haute are more economical by $4, $7 respectively for similar homes.
  • Auto Insurance Bundling: 5,002 Households (40% of all households) in Terre Haute have 2 vehicles available and when it is bundled with home insurance you can save $157. Discounts for similar bundling in close by locations such as Harrison, Vigo County, West Terre Haute come to $157, $159, $155 respectively.
  • Senior Discounts: 6,353 seniors (more than 55 years) occupied housing units (50% of total) in Terre Haute get discounts between $117 to $120. The comparative concessions in proximate regions such as Harrison, Dresser and Vigo County are $117, $111 and $119 respectively.
  • New Homes discounts: New homes such as the 7,233 homes built between 2000 to 2009 in Terre Haute can save $157 and differs from Harrison ($157), Dresser ($149), Vigo County ($159).

Terre Haute Homeowners insurance Facts

  • Terre Haute, IN has 12,478 owner occupied houses which is 56.9% of all units whereas Harrison, Dresser and Vigo County have 56.63%, 100.0% and 65.25% respectively.
  • Terre Haute, IN homeowners yearly insurance price at $788 is 1.04% of the typical house value of $75,700 which is in contrast with 1.1% in Harrison, 7.45% at Dresser & 0.88% in Vigo County.
  • Homeowners in Terre Haute, IN pay 1.05% of their income ($75,000 or more) in insurance whereas homeowners in Harrison, Dresser and Vigo County pay 1.05%, 0.99% and 1.07% respectively.
  • Terre Haute, IN’s insurance is 7.7% of monthly housing costs of $848/month, for owners with a mortgage compared to 7.97% in Harrison, 6.99% at Vigo County & 8.15% in West Terre Haute. But, for households without a mortgage, insurance is 20.5% of costs ($321 in Terre Haute, IN) in contrast with 20.83% in Harrison, 19.7% at Vigo County & 20.7% in West Terre Haute.

Terre Haute, IN Home Values & Insurance rates

For example, insurance for 1,162 Homes (9.0% of total homes ) valued between $100,000 to $124,999 in Terre Haute, IN is about $1,142. Rates in nearby areas in such as Vigo County, Lost Creek, North Terre Haute are cheaper by $184, $502, $170 respectively while Harrison and West Terre Haute are costlier by $66 and $400 respectively for similar homes.

Terre Haute, IN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,826 23.0% $260
$50,000 to $59,999 1,294 10.0% $543
$60,000 to $69,999 1,459 11.0% $669
$70,000 to $79,999 1,164 9.0% $780
$80,000 to $89,999 1,152 9.0% $882
$90,000 to $99,999 886 7.0% $985
$100,000 to $124,999 1,162 9.0% $1142
$125,000 to $149,999 993 8.0% $1426
$150,000 to $174,999 548 4.0% $1686
$175,000 to $199,999 182 1.0% $1946
$200,000 to $249,999 252 2.0% $2340
$250,000 to $299,999 221 1.0% $2860
$300,000 to $399,999 136 1.0% $3640

Renters Insurance in Terre Haute

  • Average Renters Insurance in Terre Haute :  $260($21/month)

  • Median Gross Rent in Terre Haute :  $640

  • Terre Haute Renters Insurance to Median Rent Ratio:  3.28%

  • Average household size of renter-occupied unit :  2.32

Terre Haute Renters Insurance as a Percentage of Rent

Terre Haute Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 351 3.0% $365
$200 to $299 519 5.0% $815
$300 to $499 1,472 16.0% $1265
$500 to $749 3,448 39.0% $1940
$750 to $999 2,013 22.0% $2690
$1,000 to $1,499 753 8.0% $3815
$1,500 or more 260 2.0% $5465

Protective device discount in Terre Haute Up to :  $39

Claims-free discount in Terre Haute Up to :  $52