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Home Insurance in 65657
Our rates are very competitive for homeowners living in the 65657 zip code. Many homeowners based out of Garrison, MO have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our MO licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 65657 should appear in the zip code field ready to go.
65657 Average Home Insurance Rates
Are you looking for a standard HO-3 homeowners policy for your single family home in the Garrison area? The average homeowners premium in 65657 is high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 65657, you can expect to pay around $1291 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.
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Get Home Insurance Quotes in 65657
We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Missouri. Start your 65657 home insurance shopping today!
65657 Home Insurance Average Premiums
$1041 /yr.
Shows Zip Code: 65657 lowest rates with discounts applied on average.
For the 65657, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $1041 /yr. |
| Average Coverage: | $1291 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1591 /yr. |
What is the average home insurance cost for a home in 65657?
- • The average homeowners insurance premium paid annually for a home in 65657 is around $1291 per year.
What does it cost on average per month for home insurance in 65657?
- • Homeowners in 65657 pay a monthly average cost per month around $108.00.
What kind of discount could I get if I combine my home and auto insurance together in 65657?
- • Autoowners in 65657 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
You can easily shop and compare home insurance rates within Garrison, check out other zip codes nearby 65657.
To review average rates in another zip code, click on a zip code below:
Home Replacement Cost Coverage in 65657
Average Building Cost Per Square Foot in 65657: $122
Location: Garrison, Missouri (Christian County)Average Square Footage in 65657: 1,325 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 65657 before you start any project. Garrison homeowners pay on average around $122 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 65657 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 65657 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,325 sq. ft. and the average cost to rebuild the home in this area is around $122 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Garrison area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $122 | 1,325 | $161,600 |
| Additional Upgrades & Added Features | $153 | 1,325 | $202,000 |
| Major Home Updates or Advancements | $183 | 1,325 | $242,400 |
It's important to understand that when you estimate your replacement cost of your home in the 65657 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 65657
Best Home & Auto Insurance Agencies in 65657
Housing Demographics for 65657
Population Review for 65657 Zip Code
For the city of Garrison, the population within 65657 has increased to over 136 residents in population size. The current population total is 106. We have broken down the population based on race below. In 65657, there are over 43 in male population and 63 females.
| Population | Values |
|---|---|
| Total Population | 106 |
| White Population | 103 |
| Black Population | 0 |
| Hispanic Population | 2 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 0 |
| Other Population | 0 |
| Male Population | 43 |
| Female Population | 63 |
| Population Estimate | 136 |
Household Data for 65657
The average number of homes in 65657 is around 39, there are an average of 2.72 per household. The average house value according to local real estate values is around $161,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 39 |
| Persons Per Household | 2.72 |
| Average House Value | $161,600 |
| Income Per Household | $0 |
| Median Age | 47.7 |
| Median Age Male | 47.8 |
| Median Age Female | 47.6 |
| 65657 Details | Values |
|---|---|
| State | MO |
| State Full Name | Missouri |
| City Type | N |
| City Alias Abbreviation | |
| Area Code | 417 |
| City | Garrison |
| City Alias Name | GARRISON |
| County | Christian |
| County FIPS | 043 |
| State FIPS | 29 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 7920 |
| PMSA | |
| CSA | |
| CBSA | 44180 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Springfield, MO |
| MSA_Name | Springfield, MO MSA |
| PMSA_Name | |
| Region | Midwest |
| Division | West North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 0 |
| Number Of Employees | 0 |
| Business First Quarter Payroll | 0 |
| Business Annual Payroll | 0 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 436712 |
| CBSA Division Population | 0 |
| Congressional District | 07 |
| Congressional LandArea | 6272.84 |
| Delivery Residential | 50 |
| Delivery Business | 1 |
| Delivery Total | 52 |
| Preferred Last Line Key | 003928 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | 003928 |
| Land Area | 20.196000 |
| Water Area | 0.008000 |
| City Alias Code | |
| City Mixed Case | Garrison |
| City Alias Mixed Case | Garrison |
| Box Count | 0 |
| SFDU | 50 |
| MFDU | 0 |
| State ANSI | 29 |
| County ANSI | 043 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | N |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 281440 |
| Unique ZIP Name | |
| SSA State County Code | 26210 |
| Medicare CBSA Code | 44180 |
| Medicare CBSA Name | Springfield, MO |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 8 |
| County Mixed Case | Christian |
Missouri Homeowners Insurance News & Information
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Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025
According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners. According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]
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Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025
While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires. As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]
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New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025
Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding. A report recently released […]