Texarkana Insurance Rates:

Texarkana, TX home insurance is nearly $867 to $1,178, about $72-$98/month. Our thorough guide reveals consumers can save upto $408 by comparing many quotes

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Texarkana Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $530/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Baths 3270 sqft Seasonal Residence Constructed In 1968 with Linoleum, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Single Male who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $260/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $130,000

4 Beds, 4 Baths 1780 sqft Primary Residence Constructed In 2005 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Married Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $600/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 2620 sqft Vacation Property Constructed In 1997 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Single Male who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $200/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

5 Beds, 5 Baths 1780 sqft Rental Property Constructed In 2004 with Wood Flooring, Shingles Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $840/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Baths 2360 sqft Primary Residence Constructed In 1985 with Stone Flooring, Composition Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Divorced Male who is Retired and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $660/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Baths 2600 sqft Seasonal Residence Constructed In 2007 with Wood Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $860/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

5 Beds, 5 Baths 3430 sqft Primary Residence Constructed In 2011 with Wood Flooring, Metal Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Married Female who is Retired 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 $260/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

4 Beds, 4 Baths 2370 sqft Rental Property Constructed In 1998 with Carpet Flooring, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

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

  • 600-649 Credit Score

  • Guests at home

Texarkana, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
75503 $146,100 $1,050

Texarkana Rates & Quotes Analysis:

Texarkana Area Estimated House Insurance
Maryland Dr, Cooper Dr, McGary St, Cameron Ln, Harrison Ln, Beacon Hill Dr, Eylau Hills Rd, Wake Forest Dr, Summer Glen Pl, W 18th St$1,008
Whipoorwill Dr, Caldwell St, Telka Pl, Fair Oaks Ln, Pittman Ln, Mc Shane Ave, Parkwood St, Green St, W 30th St, Potomac Pl$984
Jasmine Ln, Carrie Smith Rd, New Castle St, Pine Valley Rd, Mockingbird Ln, Robin Creek, Akin St, Robin Ln, Connella St, Redwater Rd$1,043
W 37th St, Clear Creek Cir, Skyline Blvd, Arnold Dr, James St, Summerhill Pl, Frontage Rd, S Wake Village Rd, Village Pl, Anthony Dr$1,044
Lumpkin St, Spring Cove, Blanton St, Oredwater, Pansy St, Dillon St, Woodmont, Key West St, Caddo St, Allen Ln$1,025
Washington St, Smith Rd, Green Oak Cir, W 4th St, Lucas St, Wheeler St, Waco St, W 19th St, Deerfield Dr, W 41st St$1,007
Forest Lake Dr, Kimball Dr, Leopard Dr, Liberty Ln, Houston St, Canadian Pl, Eddings Ave, Co Rd 1376, Jade Ave, Mc Cormick St$1,009
Defee St, Beaver Lake Dr, Cork Ln, Coke Dr, W 16th St, Elizabeth St, Spruce St, Sanderson Loop, Highcrest Pl, Woodstock$1,046
Potomac Cir, Rosedale St, Ave A, Silverleaf Ln, Clayborn St, Bruce Cir, Daniels St, Fernwood Dr, W 21st St, Brashear St$984
Forrest Grove St, Plum St, Glover St, Veronica St, Northcrest Dr, Dogwood Lake Dr, W 17th St, Kilgore Rd, Leary Rd, White Rd E$1,050

Insurance rates are influenced by a number of factors including:

  • Year Built: 3,806 Homes (15% of total homes ) built between 1960 to 1969 in Texarkana are paying home insurance between $1,789-$1,805. Places close to Texarkana, TX such as Red Lick, Texarkana(AR), Ogden(AR) are more expensive by $104, $130, $81 respectively while Nash and Leary are cheaper by $23 and $57 respectively for similar homes.
  • Bedrooms: 3,059 4 bedrooms homes (12% of total homes ) in Texarkana are paying about $1,226. Areas near to Texarkana such as Red Lick, Wake Village, Texarkana(AR) are costlier by $82, $16, $330 respectively whereas Nash and Leary are more economical by $7, $20 respectively for similar homes.
  • Auto Insurance Bundling: 3,460 Households (25% of all households) in Texarkana have 3 or more vehicles available and when it is bundled with home insurance you can save $255 in contrast with Nash ($252), Red Lick ($270), Wake Village ($256).
  • Senior Discounts: 7,005 seniors (more than 55 years) occupied housing units (52% of total) in Texarkana get discounts between $152 to $155. The comparative concessions in proximate regions such as Nash, Red Lick and Wake Village are $151, $162 and $154 respectively.
  • New Homes discounts: New homes such as the 9,860 homes built between 2000 to 2009 in Texarkana can save $204 and similar new home insurance discounts in nearby towns and cities like Nash, Red Lick and Wake Village are $201, $216 and $205 respectively.

Texarkana Homeowners insurance Facts

  • Texarkana, TX has 13,378 owner occupied houses which is 62.5% of all units whereas Nash, Red Lick and Wake Village have 42.69%, 79.84% and 79.33% respectively.
  • Texarkana, TX homeowners yearly insurance price at $1,022 is 0.98% of the typical house value of $104,300 which is in contrast with 1.28% in Nash, 0.52% at Red Lick & 0.91% in Wake Village.
  • Homeowners in Texarkana, TX pay 20.44% of their income (Less than $10,000) in insurance whereas homeowners in Nash, Red Lick and Wake Village pay 20.16%, 21.62% and 20.54% respectively.
  • Texarkana, TX’s insurance is 7.2% of monthly housing costs of $1,176/month, for owners with a mortgage compared to 8.96% in Nash, 5.12% at Red Lick & 7.53% in Wake Village. But, for households without a mortgage, insurance is 21.9% of costs ($389 in Texarkana, TX) in contrast with 28.28% in Nash, 20.57% at Red Lick & 19.58% in Wake Village.

Texarkana, TX Home Values & Insurance rates

For example, insurance for 2,448 Homes (18.0% of total homes ) valued between Less than $50,000 in Texarkana, TX is about $235. Rates in nearby areas in such as Red Lick, Wake Village, Bivins-McLeod are cheaper by $106, $10, $10 respectively while Nash and Leary are costlier by $77 and $318 respectively for similar homes.

Texarkana, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,448 18.0% $235
$50,000 to $59,999 491 3.0% $511
$60,000 to $69,999 658 5.0% $633
$70,000 to $79,999 891 6.0% $725
$80,000 to $89,999 1,077 8.0% $827
$90,000 to $99,999 903 6.0% $930
$100,000 to $124,999 1,278 9.0% $1073
$125,000 to $149,999 1,116 8.0% $1338
$150,000 to $174,999 1,430 10.0% $1584
$175,000 to $199,999 741 5.0% $1829
$200,000 to $249,999 930 7.0% $2207
$250,000 to $299,999 685 5.0% $2698
$300,000 to $399,999 362 2.0% $3423

Renters Insurance in Texarkana

  • Average Renters Insurance in Texarkana :  $218($18/month)

  • Median Gross Rent in Texarkana :  $681

  • Texarkana Renters Insurance to Median Rent Ratio:  2.64%

  • Renter occupied housing units in Texarkana :  8,024

Texarkana Renters Insurance as a Percentage of Rent

Texarkana Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 137 1.0% $354
$200 to $299 251 3.0% $804
$300 to $499 974 13.0% $1254
$500 to $749 2,942 40.0% $1929
$750 to $999 2,019 27.0% $2679
$1,000 to $1,499 807 11.0% $3804
$1,500 or more 205 2.0% $5454

Protective device discount in Texarkana Up to :  $32

Claims-free discount in Texarkana Up to :  $43