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Compare 65285 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Thompson just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 272 neighbors looking to save on their home insurance policy in the local 65285 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 65285. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Missouri rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Thompson, MO home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Thompson, MO

65285 Home Insurance Average Premiums

Local 65285 homeowners insurance quotes comparison

$726 /yr.

Shows Zip Code: 65285 lowest rates with discounts applied on average.

For the 65285, 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)		$726 /yr.
Average Coverage:$976 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1276 /yr.

What is the average home insurance cost for a home in 65285?

  • • The average homeowners insurance premium paid annually for a home in 65285 is around $976 per year.

What does it cost on average per month for home insurance in 65285?

  • • Homeowners in 65285 pay a monthly average cost per month around $81.00.

What kind of discount could I get if I combine my home and auto insurance together in 65285?

  • • Autoowners in 65285 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.

For shopping home insurance rates within the Thompson area, check out other zip codes nearby 65285.
Review average rates in another zip code:
65285 homeowners insurance rates

Home Replacement Cost Coverage in 65285

Average Building Cost Per Square Foot in 65285: $122

Location: Thompson, Missouri (Audrain County)

Average Square Footage in 65285: 930 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 65285 before you start any project. Thompson 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 65285 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 65285 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 930 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 Thompson 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$122930$113,400
Additional Upgrades & Added Features$153930$141,750
Major Home Updates or Advancements$183930$170,100

It's important to understand that when you estimate your replacement cost of your home in the 65285 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 65285

Best Home & Auto Insurance Agencies in 65285

Housing Demographics for 65285

Population Review for 65285 Zip Code

For the city of Thompson, the population within 65285 has increased to over 607 residents in population size. The current population total is 652. We have broken down the population based on race below. In 65285, there are over 322 in male population and 330 females.

PopulationValues
Total Population652
White Population604
Black Population1
Hispanic Population27
Asian Population0
Hawaiian Population0
Indian Population7
Other Population12
Male Population322
Female Population330
Population Estimate607

Household Data for 65285

The average number of homes in 65285 is around 272, there are an average of 2.40 per household. The average house value according to local real estate values is around $113,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode272
Persons Per Household2.40
Average House Value$113,400
Income Per Household$59145
Median Age43.0
Median Age Male38.6
Median Age Female48.7
65285 DetailsValues
StateMO
State Full NameMissouri
City TypeP
City Alias Abbreviation
Area Code573
CityThompson
City Alias NameTHOMPSON
CountyAudrain
County FIPS007
State FIPS29
Time Zone6
Day Light SavingY
MSA
PMSA
CSA190
CBSA33020
CBSA_DIV
CBSA_TypeMicro
CBSA_NameMexico, MO
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees13
Business First Quarter Payroll92
Business Annual Payroll438
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population25529
CBSA Division Population0
Congressional District06
Congressional LandArea18198.62
Delivery Residential253
Delivery Business3
Delivery Total274
Preferred Last Line KeyW18444
Classification Code
Multi-County
CSA NameColumbia-Jefferson City-Moberly, MO
CBSA_DIV_Name
City State KeyW18444
Land Area55.801000
Water Area0.355000
City Alias Code
City Mixed CaseThompson
City Alias Mixed CaseThompson
Box Count5
SFDU253
MFDU0
State ANSI29
County ANSI007
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number287854
Unique ZIP Name
SSA State County Code26030
Medicare CBSA Code99926
Medicare CBSA NameRural Areas in MO
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseAudrain

Missouri Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]