Best & Cheapest Homeowners Insurance in Arlington, TX April, 2024

Chubb offers the cheapest homeowners insurance to homeowners in Arlington, with an average annual quote of $2,274.

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Updated: 18 April 2024
Written by
Bob Phillips
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In our comprehensive review of homeowners insurance providers in Arlington, TX, Chubb emerges as the most budget-friendly option, with average annual rates of $2,274. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.

For instance, if your credit score has taken a hit, USAA stands out as the most economical choice with an average annual premium of $5,041. In contrast, if your home is on the older side, State Farm rises to the top with its competitive rates of $2,680 per year, and comprehensive coverage.

On the other hand, if you’re the proud owner of a newly constructed home, Nationwide offers the most cost-effective solution at $1,489 per year. And for those who’ve had a history of claims, State Farm provides an affordable and understanding solution at $2,752 per annum.

Last, if you possess a wealth of personal property that needs protection, Chubb again proves to be your best bet, offering extensive coverage at a reasonable $2,370 per year.

Our in-depth analysis at Insuranceopedia is designed to guide you toward the perfect fit for your homeowners insurance needs. By comparing customer ratings, analyzing personal experiences, and presenting comparison charts, we will provide you with all the information necessary to make an informed decision.

How much is homeowners insurance in Arlington, TX?

Chubb offers the most affordable rate for homeowners insurance in Arlington at $2,274 annually.

As you can see below, rates in Arlington are more expensive than the National average. Arlington rates are also more expensive than the Texas State average rate.

Area Average Monthly Rate
National $1,820
Texas $3,208
Arlington $3,795

It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.

Cheapest Homeowners Insurance in Arlington, TX

Our Methodology

To find the cheapest home insurance rates in Arlington, we analyzed findings from numerous home insurance review sites, some of which analyzed rates from public filings obtained by Quadrant Information Services. We’ve used an average of those rates for this review, but each company’s rates change frequently and will vary based on your situation. Also factored into the overall rating is my subjective opinion based on fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.

66

Quotes Analyzed

15+

Years Of Industry Experience

24

Brands Reviewed

40+

Research Hours

Cheapest homeowners insurance in Arlington, TX

Chubb emerges as the cheapest overall option for homeowners insurance in Arlington, TX, with an average annual rate of $2,274.

Company Annual Premium
Chubb $2,274
USAA $3,352
State Farm $4,280
Allstate $4,339
Nationwide $5,041

The cost of your policy is influenced by many factors, including location, home value, and your claims history. Chubb offers a balanced blend of affordability and comprehensive coverage.

Cheapest Homeowners Insurance In Arlington If You Have an Older Home

For those with older homes, State Farm offers the cheapest rates, averaging $2,680 per year.

Insurance Company Average Annual Premium
State Farm $2,680
USAA $2,773
Mercury $2,891
Progressive $2,789
Nationwide $4,145

Older homes often come with unique risks and maintenance issues, which can drive up insurance costs. State Farm offers competitive rates and comprehensive coverage tailored to meet the needs of older homes.

Cheapest Homeowners Insurance for Newly Constructed Homes

If you’re the proud owner of a newly constructed home, Nationwide offers the most cost-effective solution, with an average annual rate of $1,489.

Insurance Company Average Annual Premium
Nationwide $1,489
Universal $1,508
Chubb $2,006
State Farm $3,017
Allstate $3,339

New constructions often require different coverage compared to older homes, and Nationwide excels in providing affordable policies tailored to these specific needs.

Cheapest Homeowners Insurance If You Have Poor Credit

If your credit score is poor, USAA provides the most affordable solution, with an average annual rate of $5,041

Insurance Company Average Annual Premium
USAA $5,041
Nationwide $7,046
State Farm $8,860
Allstate $8,592
Farmers $15,208

Your credit score can significantly impact your insurance rates as it’s a key factor insurers consider when calculating risk. USAA understands that everyone deserves fair coverage, regardless of their financial past.

Cheapest Home Insurance In Arlington for a History of Claims

For homeowners with a history of claims, State Farm provides an affordable solution, with an average annual rate of $2,752.

Insurance Company Average Annual Premium
State Farm $2,752
USAA $3,009
Mercury $5,663
Progressive $4,045
Nationwide $6,720

A history of claims can raise red flags for insurers, often leading to higher premiums. However, State Farm believes in second chances and offers reasonable rates for those with past claims.

Cheapest Home Insurance Rates for Lots of Personal Property

If you have a wealth of personal property, Chubb offers the cheapest rates, with an average annual rate of $2,370.

Insurance Company Average Annual Premium
Chubb $2,370
USAA $4,284
Travelers $4,293
State Farm $4,336
Nationwide $5,508

The more personal property you have, the higher your coverage needs, which can increase premiums. Chubb provides extensive coverage at reasonable rates, ensuring all your belongings are adequately protected.

Best Homeowners Insurance Companies in Arlington, TX

Choosing the right homeowners insurance is not just a necessity; it’s a strategic decision. With a rich history, Arlington’s homes are as unique as its residents. Therefore, finding an insurance provider that offers comprehensive coverage at competitive rates becomes paramount.

To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Arlington, TX. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Take a look at our comparison chart below and find the perfect fit for your home insurance needs.

Company Annual Premium
USAA $3,352
Chubb $2,274
Universal $2,470
State Farm $4,280
Travelers $4,208
Amica $4,430
Allstate $4,339
Nationwide $5,041

Average Home Insurance Rates by Zip Codes

The cost of homeowners insurance in Arlington, TX can vary significantly based on the zip code. Below are tables showcasing rates for different zip codes in Arlington, along with the the cheapest and most expensive zip codes in the area for annual home insurance premiums.

ZIP Code Average Insurance Premium (Annual)
76007 $3,174
76002 $3,258
76119 $3,670
76011 $3,695
76017 $3,702
76015 $4,239
76005 $4,556
76014 $3,778
76018 $3,755

Cheapest Zip Codes

ZIP Code Average Insurance Premium (Annual)
76119 $3,670
76011 $3,695
76017 $3,702

Most Expensive Zip Codes

ZIP Code Average Insurance Premium (Annual)
76005 $4,556
76014 $3,778
76018 $3,755

Average Home Insurance Rates in Arlington, TX by Deductible Amount

The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Arlington, TX. Here’s how the average home insurance rates fluctuate for different deductible amounts:

Deductible Amount Annual Rate
$500 $3,288
$1,000 $3,067
$2,000 $2,744
$5,000 $2,390

Average Home Insurance Rates in Arlington, TX By Coverage Amount

One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

Let’s take a closer look at a comparison chart that outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$100,000 $1,634
$200,000 $2,726
$300,000 $3,265
$350,000 $3,679
$400,000 $4,516

Average Home Insurance Rates in Arlington, TX by Company

Here’s a comparison table showcasing annual premiums from some of the top providers in Arlington:

Company Annual Premium
USAA $3,352
Chubb $2,274
Universal $2,470
State Farm $4,280
Travelers $4,208
Amica $4,430
Allstate $4,339
Nationwide $5,041

How Much is Homeowners Insurance for Other Cities in Texas?

The following is a  detailed comparison chart that showcases the cheapest companies and their annual premiums across various cities in Texas.

City Annual Premium
Odessa $3,346
Amarillo $3,830
Dallas $3,600
Corpus Christi $4,596

Getting Online Homeowners Insurance Quotes in Texas

With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.

Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.

FAQs

Who has the cheapest home insurance in Arlington, TX?

The cheapest home insurance in Arlington, Texas, is provided by Chubb, with an annual premium of $2,274.

What is the average cost of home insurance in Arlington, TX?

The average cost of homeowners insurance in Arlington, Texas, is approximately $3,795 per year.

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