Home Home insurance Average home insurance cost Indiana Evansville, IN Average homeowners insurance cost in Evansville, IN View Carriers Please enter valid zip Compare top carriers in your area Written by By Insure.com's EditorUpdated on: September 3, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Evansville is $3,082 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $500 more than the national average of $2,582.Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Evansville depend on several factors, including:Size of your home Age of your home Amount of coverage you need Location Your credit score Allstate is the cheapest homeowners insurance company in Evansville with an average annual premium of $3,082 per year. This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Evansville. Keep reading to learn about the monthly cost of homeowners insurance in Evansville, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Evansville. Key takeawaysThe cost of your homeowners insurance policy in Evansville can vary based on factors such as your location, the value of your home, and the coverage options you select. Allstate is the cheapest homeowners insurance company in Evansville with an average annual premium of $1,154. If you increase your dwelling coverage from $200,000 to $300,000, you will pay $709 more, annually for home insurance. Average homeowners insurance cost in Evansville per month According to Insure.com’s rate analysis, residents of Evansville pay an average of $257 per month for homeowners insurance. This is $10 more than the state average of $247 and $42 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Evansville can vary depending on your location, property value, and selected coverage options. Average homeowners insurance cost for a $200,000 house in Evansville In Evansville, IN, homeowners pay an average of $2,373 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area. Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance. Average homeowners insurance cost for a $300,000 house in Evansville As per rate analysis by Insure.com, homeowners residing in Evansville typically pay an average of $3,082 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible. Your home insurance rates will be increased by $709 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area. Average homeowners insurance cost in Evansville by company After evaluating several carriers, Allstate is the least expensive homeowners insurance provider in Evansville. It’s average annual rate for homeowners in Evansville is $1,154. Indiana Farmers holds the second position, while State Farm secures the third spot with an average annual home insurance rate of $2,154. Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Evansville and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Evansville and their average annual premiums. Home Insurance Company Annual rate Allstate$1,154Indiana Farmers$1,903American Family$2,400Erie Insurance$2,481Nationwide$2,601Auto-Owners$3,219Farmers$3,629Travelers$7,636State Farm$2,154Indiana Farm Bureau Grp$4,232USAA*$2,660 Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Evansville for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesFishersFort WayneIndianapolisSouth Bend In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? 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