Wichita Falls Insurance Rates:

Wichita Falls, TX home insurance is roughly $862 to $1,170, about $71-$97/month. Our in depth analysis shows customers can save as much as $406 by comparing multiple quotes

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Wichita Falls Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $580/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

4 Beds, 4 Bath 1620 sqft Rental Property Constructed In 1993 with Wood Flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Married Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $500/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $95,000

2 Beds, 2 Bath 1300 sqft Rental Property Constructed In 1978 with Linoleum, Shingles Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $910/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $130,000

5 Beds, 5 Baths 1970 sqft Rental Property Constructed In 1949 with Carpet Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Divorced Female who is Retired 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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $510/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Baths 2080 sqft Primary Residence Constructed In 1961 with Carpet over wood flooring, Metal Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $820/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

5 Beds, 5 Bath 1640 sqft Rental Property Constructed In 1996 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $540/4 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $115,000

4 Beds, 4 Baths 2576 sqft Primary Residence Constructed In 1983 with Carpet Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Wichita Falls, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
76309 $93,400 $1,020
76305 $84,100 $1,010
76306 $68,100 $1,010
76301 $48,800 $990
76308 $127,800 $1,040
76310 $119,200 $1,040
76302 $105,400 $1,030

Wichita Falls Rates & Quotes Analysis:

Wichita Falls Area Estimated House Insurance
Waggoner Cir, 24th St, Ave Q, Denver St, Trailwood Dr, Canyon Trails Dr, Judson Cir, Gloria Ln, Jackson Cir, Baylor St$1,037
Shasta Dr, Weeks Park Ln, Warren St, Keith St, Bandera Cir, Selma Dr, Sierra Dr, Summit Cir, Denzil St, Falcon Blvd$1,002
Gregg Rd, Driftwood Dr, Clift St, Wellington Ln, Elliott St, Heather Ln, Cleveland Ave, Nursery St, Jamaica Cir, Jupiter St$1,033
Nunn St, Columbia Rd, Foster Ave, Leroy St, Avenue S, FM 3393, Dove St, Windthorst Rd, Pawhuska Dr, Mustang St$989
Periwinkle, Ave Y, Barrywood Dr, Shelly Cir, Fort Worth St, Park St, Lucile Ave, Maverick Trl, Mill Valley Dr, E 4th St$1,039
Conkling Dr, Randolph Dr, FM 2650, Jefferson St, Poteet Dr, Burnett St, McGregor Ave, Deggs St, Gregory St, S Lake Park Dr$None
Trigg Ln, Beefeater Dr, Pleasant View Dr, Bus Hwy 287J, Oceola Ave, Bell Rd N, Wendover St, Tyler St, Faith Rd, Freedom Ct$1,016
Glendale Dr, Britain St, Athletic Rd, Edgecliff Dr, Wichita St, Sheppard Access Rd, Las Cruces Ln, Norman St, Avery Row Ct, Shepherds Glen$1,013
Saint Andrews Ct, Tanglewood Blvd, Lawery Rd, Stirling St, Ash Ave, Borland Ln, N 5th St, Cliffside Dr, Blue Stem Dr, Speedway Ave$1,044
Northeast Dr, Sweetbriar Dr, Terral St, Ave M, Suburban Ave, Redford Ter, Deanna Cir, Tobago St, Conner Cir, Webster St$988

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,492 Homes (16% of total homes ) built between 1970 to 1979 in Wichita Falls are paying home insurance between $1,645-$1,660. Places close to Wichita Falls, TX such as Pleasant Valley, Cashion Community, Dean are more expensive by $12, $22, $14 respectively while Electra and Petrolia are cheaper by $35 and $26 respectively for similar homes.
  • Bedrooms: 12,394 2 bedrooms homes (28% of total homes ) in Wichita Falls are paying about $620. Areas near to Wichita Falls such as Pleasant Valley, Cashion Community, Dean are costlier by $4, $8, $5 respectively whereas Iowa Park and Electra are more economical by $3, $14 respectively for similar homes.
  • Auto Insurance Bundling: 5,734 Households (24% of all households) in Wichita Falls have 3 or more vehicles available and when it is bundled with home insurance you can save $253. Discounts for similar bundling in close by locations such as Pleasant Valley, Cashion Community, Dean come to $255, $257, $255 respectively.
  • Senior Discounts: 11,520 seniors (more than 55 years) occupied housing units (48% of total) in Wichita Falls get discounts between $152 to $154 and varies from Pleasant Valley ($153), Cashion Community ($154), Iowa Park ($151).
  • New Homes discounts: New homes such as the 15,968 homes built between 2000 to 2009 in Wichita Falls can save $203 and differs from Pleasant Valley ($204), Cashion Community ($205), Dean ($204).

Wichita Falls Homeowners insurance Facts

  • Wichita Falls, TX has 23,878 owner occupied houses which is 61.1% of all units whereas Pleasant Valley, Cashion Community and Dean have 88.89%, 86.82% and 93.07% respectively.
  • Wichita Falls, TX homeowners yearly insurance price at $1,015 is 1.09% of the typical house value of $92,700 which is in contrast with 0.98% in Pleasant Valley, 0.9% at Cashion Community & 0.97% in Dean.
  • Homeowners in Wichita Falls, TX pay 3.69% of their income ($25,000 to $29,999) in insurance whereas homeowners in Pleasant Valley, Cashion Community and Dean pay 3.72%, 3.74% and 3.72% respectively.
  • Wichita Falls, TX’s insurance is 7.4% of monthly housing costs of $1,147/month, for owners with a mortgage compared to 7.57% in Pleasant Valley, 8.18% at Cashion Community & 7.39% in Dean. But, for households without a mortgage, insurance is 18.7% of costs ($452 in Wichita Falls, TX) in contrast with 18.08% in Pleasant Valley, 19.83% at Cashion Community & 18.29% in Dean.

Wichita Falls, TX Home Values & Insurance rates

For example, insurance for 415 Homes (1.0% of total homes ) valued between $300,000 to $399,999 in Wichita Falls, TX is about $3,826. Rates in nearby areas in such as Dean, Scotland, Holliday are cheaper by $430, $121, $857 respectively while Wichita County and Burkburnett are costlier by $128 and $118 respectively for similar homes.

Wichita Falls, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 4,475 19.0% $263
$50,000 to $59,999 1,736 7.0% $568
$60,000 to $69,999 1,647 7.0% $710
$70,000 to $79,999 1,721 7.0% $812
$80,000 to $89,999 1,913 8.0% $923
$90,000 to $99,999 1,636 7.0% $1035
$100,000 to $124,999 2,962 12.0% $1197
$125,000 to $149,999 1,785 7.0% $1502
$150,000 to $174,999 2,148 9.0% $1776
$175,000 to $199,999 1,022 4.0% $2050
$200,000 to $249,999 977 4.0% $2466
$250,000 to $299,999 781 3.0% $3014
$300,000 to $399,999 415 1.0% $3826

Renters Insurance in Wichita Falls

  • Average Renters Insurance in Wichita Falls :  $227($18/month)

  • Median Gross Rent in Wichita Falls :  $720

  • Wichita Falls Renters Insurance to Median Rent Ratio:  2.5%

  • Renter occupied housing units in Wichita Falls :  15,221

Wichita Falls Renters Insurance as a Percentage of Rent

Wichita Falls Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 283 1.0% $356
$200 to $299 601 4.0% $806
$300 to $499 1,932 13.0% $1256
$500 to $749 4,958 34.0% $1931
$750 to $999 3,566 24.0% $2681
$1,000 to $1,499 2,247 15.0% $3806
$1,500 or more 964 6.0% $5456

Protective device discount in Wichita Falls Up to :  $34

Claims-free discount in Wichita Falls Up to :  $45