Updated: December 16, 2024
Advertising & Editorial Disclosure
In Abilene, TX, Amica is the best overall and cheapest choice for home insurance and the best in customer service.
Choosing the best inexpensive home insurance depends on what you value, such as costs or how a company helps when you have questions or problems.
Best HomeInsuranceAbilene, TXTable of Contents
Why Trust MoneyGeek? We used the data from Texas's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Abilene, ensuring our expert recommendations are reliable.
Home insurance premiums in Abilene represent the latest available quotes as of September 2024
MoneyGeek found that Amica is the best option in Abilene, TX, with a MoneyGeek score of 97 out of 100 for $100K dwelling coverage.
The scores for home insurance companies in Abilene range from 44 to 97. These figures are based on MoneyGeek's scoring system, and insurers may have different scores depending on your credit history and the age of your home.
| Amica | 97 | $2,637 |
| Nationwide | 90 | $2,905 |
| Chubb | 89 | $3,304 |
| State Farm | 86 | $3,107 |
| Farmers | 84 | $2,911 |
| IAT Insurance Group | 58 | $3,807 |
| ASI | 44 | $6,385 |
MoneyGeek found that Amica is the best option for $100K dwelling coverage in Abilene, TX. The two best overall home insurance companies in Abilene for $100K dwelling coverage are:
Amica stands out as a best home insurance provider due to its strong customer satisfaction and affordability.
In Abilene, Texas, there are various companies with different cost and service experiences. While cost is crucial, considering factors such as customer service and coverage options is essential, especially when making claims.
Amica scores high in affordability and satisfaction. It offers comprehensive home insurance with coverages like guaranteed replacement cost, which helps rebuild your home if costs exceed your policy limit, and home business property coverage, which extends limits for business items at home. Loss assessment coverage, on the other hand, protects shared property in condos or gated communities.
Amica also provides discounts, such as continuously insured and automatic payment, to help policyholders save money. Homeowners who have been with the insurer for at least two years can qualify for the continuously insured discount.
MoneyGeek found that Amica provides the best customer service in home insurance in Abilene, TX, for $100K dwelling coverage. Here are the top two providers for this coverage level:
Amica ranks highest due to its outstanding customer satisfaction and comprehensive coverage. Excellent service in home insurance means quick claim handling, supportive customer interactions and clear policy details.
Amica stands out for its high customer satisfaction and coverage options. It offers comprehensive home insurance with guaranteed replacement cost and back-up of sewer or drain. You can save with discounts like continuously insured and automatic payment. Stay with Amica for two years to qualify for the continuously insured discount.
Amica provides useful coverages like guaranteed replacement cost, which helps if rebuilding costs exceed your policy. Personal property replacement cost covers your belongings worldwide. Loss Assessment protects shared property in condos.
MoneyGeek found that Amica is the best cheap home insurance option in Abilene, TX, for $100K dwelling coverage**.** The top two best cheap insurance providers for $100K dwelling coverage are:
Amica stands out due to its excellent affordability and high customer satisfaction, making it a top choice for those seeking value. Although cheap home insurance means lower charges, ensuring enough coverage is also crucial. In instances where saving on premiums is a priority, considering the most affordable homeowners insurance companies may be beneficial.
What sets the best cheap home insurance apart from the cheapest is its value for money, balancing cost with the coverage that meets a homeowner's needs without being expensive.
Amica is the best cheap company with high scores in affordability and customer satisfaction. It offers comprehensive home insurance with guaranteed replacement cost and sewer or drain back-up. You can save with discounts like continuously insured, which rewards loyalty, and automatic payment, which offers savings for using autopay.
Amica provides useful coverages like personal property replacement cost, which replaces items anywhere in the world if damaged. Loss assessment covers shared property, and home business property protects business items at home.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 24, 2024
In Abilene, many factors affect homeowners insurance rates, with location being one. Comparing rates is the best way to save but may take over an hour, as it takes around 15 minutes per company, and you need to compare three or more. MoneyGeek's home insurance calculator helps you save time by focusing on key factors. Just enter details like age, dwelling coverage, credit score, deductible, liability coverage and more for an estimate.
Amica is the best option in Abilene, TX, for low-cost home insurance. The following companies offer the lowest annual premiums in their respective dwelling coverage categories:
Amica stands out for its affordable premium in Abilene. Farmers offers the best prices for both 250K and 500K coverage levels, scored at 92, making it both affordable and well-rated. Choosing the right amount of dwelling coverage is essential as it significantly affects the insurance premium.
Securing the cheapest homeowners insurance in Texas can be a smart strategy to handle personal finances better.
| Amica | $2,637 |
| Nationwide | $2,905 |
| Farmers | $2,911 |
| State Farm | $3,107 |
| Chubb | $3,304 |
| IAT Insurance Group | $3,807 |
| ASI | $6,385 |
For high-value homes in Abilene, TX, Farmers offers the lowest yearly cost for a $750K dwelling coverage policy. Higher home values require more insurance because it costs more to fix or rebuild them, which is why home insurance costs can be higher.
Farmers stands out in Abilene for its competitive pricing for high-value homes. While cost is essential, the insurer also receives a high rating from MoneyGeek, suggesting that being the least expensive doesn't mean compromising quality.
| Farmers | $7,597 |
| State Farm | $10,637 |
| Nationwide | $11,884 |
| Amica | $15,456 |
| IAT Insurance Group | $16,935 |
| Chubb | $20,665 |
| ASI | $31,101 |
Nationwide is the most affordable home insurance provider for new homes requiring $100K in dwelling coverage in Abilene, Texas.
Nationwide stands out for its lower cost, offering the cheapest options without compromising value in Abilene. However, having the lowest rates may not equal the best service quality. When securing home insurance, ensuring adequate coverage for your property is essential.
| Nationwide | $692 |
| State Farm | $1,400 |
| IAT Insurance Group | $1,770 |
| Amica | $1,818 |
| Farmers | $1,939 |
| ASI | $2,130 |
| Chubb | $2,335 |
Securing the best cheap homeowners insurance is about finding a provider that delivers excellent customer service and comprehensive coverage at an affordable rate. Providers that achieve this balance offer peace of mind without breaking the bank, ensuring you are well protected from various risks to your home.
To guide you through the process, we outlined key factors to consider when seeking the best and most affordable homeowners insurance for your home.
To figure out how much home insurance you need, consider the specifics of your home — take into account the rebuilding costs, the value of your personal property and your liability needs.
Explore insurance companies operating in Abilene. Focus on those with strong financial stability and positive customer feedback.
Identify necessary coverages and compare home insurance quotes. In Abilene, Texas, premiums for $100K dwelling coverage range from $2,637 to $3,807 annually.
Inquire about potential discounts with each provider, such as those for bundling policies or installing safety features.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can manage in case of a claim.
Enhance your home’s security with systems and robust locks to lower your insurance costs.
A good credit score can influence your insurance rates in Abilene, Texas. Pay bills on time and reduce outstanding debt.
Consider bundling your homeowners insurance with other policies like auto insurance for potential discounts.
The best cheap home insurance provider for you in Abilene depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about best cheap insurance rates in Abilene, Texas.
Home insurance in Abilene, Texas, costs an average of $2,187 annually.
The cheapest home insurance company in Abilene, Texas, is Amica with an annual premium of $2,637.
The best home insurance in Texas for Abilene residents is provided by Amica, with a MoneyGeek score of 97 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
