Aurora Insurance Rates:

Aurora, IL home insurance is approximately $660 to $894, about $55-$74/month. Our in depth analysis indicates shoppers can save as much as $310 by comparing different quotes

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Aurora Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Erie Insurance
Home Insurance Rate of $950/4 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $555,000

5 Beds, 5 Bath 4480 sqft Vacation Property Constructed In 2011 with Carpet Flooring, Wood Shake Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Central Air Conditioning, Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $230/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 910 sqft Primary Residence Constructed In 1941 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $1040/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

4 Beds, 4 Baths 2340 sqft Seasonal Residence Constructed In 1989 with Carpet over wood flooring, Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $380/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $205,000

2 Beds, 2 Bath 1660 sqft Rental Property Constructed In 1947 with Carpet Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Divorced Male who is Retired with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $840/10 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Baths 1932 sqft Primary Residence Constructed In 1998 with Carpet over wood flooring, Asphalt Shingles Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Aurora, IL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
60504 $213,600 $790
60506 $185,400 $780
60505 $136,500 $750

Aurora Rates & Quotes Analysis:

Aurora Area Estimated House Insurance
Rosehall Ln, Ruff St, 129th St, Mary Lee Ct, Talon Cir, W Blakely Dr, Sagamore Cir, Ferguson Rd, W Chatham Dr, Latham Ct$857
Barrington Dr E, S Northland Dr, S Prairie Pond Dr, Milestone Dr, Pavilion Pl, Birdseye Ct, Kildare Dr, Hawks Bill Ln, Vicksburg Ct, S Elizabeth Dr$854
Union Mill Dr, Delta Dr, Courtney Rd, Sunrise Ct, Erin Marie Ct, Ambrose Rd, Blackburn Ct, Hawks Bill Ct, Gardner Cir E, Limerick Ln$805
Moonlight Ct, Blue Bell Ln, Meadowland Cir, Whispering Woods Cir, Azure Cove, Sunderlin Rd, Kilkenny Dr, Grand Ridge Cir, Kerr St, Kristi Dr$848
Prescott Ct, Tiffany St, Red Star Dr, Stags Leap Trl, Sagamore Ct, W Kelly Ct, Round Barn Rd, Biltmore Cir, Stewart Ridge Dr, W 131st St$851

Insurance rates are influenced by a number of factors including:

  • Year Built: 14,761 Homes (21% of total) built between 1990 to 1999 in Aurora are paying home insurance between $1,121-$1,132 in contrast with North Aurora (+$44), Batavia (+$62), Oswego (+$26), Boulder Hill (-$18) and Crest Hill (-$15).
  • Bedrooms: 19,023 2 bedrooms homes (28% of total homes ) in Aurora are paying about $560 and varies from North Aurora (+$30), Batavia (+$39), Oswego (+$13), Boulder Hill (-$9) and Crystal Lawns (-$4).
  • Auto Insurance Bundling: 10,713 Households (24% of all households) in Aurora have 3 or more vehicles available and when it is bundled with home insurance you can save $194 and differs from North Aurora ($202), Boulder Hill ($191), Montgomery ($194).
  • Senior Discounts: 12,638 seniors (more than 55 years) occupied housing units (29% of total) in Aurora get discounts between $116 to $118. The comparative concessions in proximate regions such as North Aurora, Boulder Hill and Montgomery are $121, $114 and $116 respectively.
  • New Homes discounts: New homes such as the 33,518 homes built between 2000 to 2009 in Aurora can save $155 and differs from North Aurora ($161), Boulder Hill ($153), Montgomery ($155).

Aurora Homeowners insurance Facts

  • Aurora, IL has 42,981 owner occupied houses which is 69.0% of all units whereas North Aurora, Boulder Hill and Montgomery have 79.49%, 83.3% and 84.13% respectively.
  • Aurora, IL homeowners yearly insurance price at $777 is 0.4% of the typical house value of $194,300 which is in contrast with 0.31% in North Aurora, 0.45% at Boulder Hill & 0.4% in Montgomery.
  • Homeowners in Aurora, IL pay 15.54% of their income (Less than $10,000) in insurance whereas homeowners in North Aurora, Boulder Hill and Montgomery pay 16.16%, 15.3% and 15.54% respectively.
  • Aurora, IL’s insurance is 3.5% of monthly housing costs of $1,878/month, for owners with a mortgage compared to 3.41% in North Aurora, 3.82% at Boulder Hill & 3.33% in Montgomery. But, for households without a mortgage, insurance is 9.8% of costs ($662 in Aurora, IL) in contrast with 10.17% in North Aurora, 11.65% at Boulder Hill & 10.01% in Montgomery.

Aurora, IL Home Values & Insurance rates

For example, insurance for 745 Homes (1.0% of total homes ) valued between $90,000 to $99,999 in Aurora, IL is about $372. Rates in nearby areas in such as Oswego, Warrenville, Winfield are cheaper by $54, $41, $47 respectively while Boulder Hill and Romeoville are costlier by $48 and $15 respectively for similar homes.

Aurora, IL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 895 2.0% $93
$60,000 to $69,999 501 1.0% $256
$70,000 to $79,999 835 2.0% $295
$80,000 to $89,999 1,228 3.0% $334
$90,000 to $99,999 745 1.0% $372
$100,000 to $124,999 3,623 8.0% $435
$125,000 to $149,999 3,999 9.0% $543
$150,000 to $174,999 5,672 14.0% $644
$175,000 to $199,999 4,979 12.0% $745
$200,000 to $249,999 6,693 16.0% $901
$250,000 to $299,999 5,432 13.0% $1095
$300,000 to $399,999 5,625 13.0% $1398

Renters Insurance in Aurora

  • Average Renters Insurance in Aurora :  $123($10/month)

  • Median Gross Rent in Aurora :  $1,016

  • Aurora Renters Insurance to Median Rent Ratio:  0.98%

  • Renter occupied housing units in Aurora :  19,305

Aurora Renters Insurance as a Percentage of Rent

Aurora Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 388 2.0% $330
$200 to $299 457 2.0% $780
$300 to $499 634 3.0% $1230
$500 to $749 2,469 13.0% $1905
$750 to $999 5,226 27.0% $2655
$1,000 to $1,499 7,010 37.0% $3780
$1,500 or more 2,736 14.0% $5430

Rent Affordability in Aurora:

Approximately 48.0% (9,336) of households are spending more than 35% of their income on gross rent in Aurora

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,883 9.0%
15.0 to 19.9 percent 2,065 10.0%
20.0 to 24.9 percent 1,747 9.0%
25.0 to 29.9 percent 2,534 13.0%
30.0 to 34.9 percent 1,740 9.0%
35.0 percent or more 9,336 48.0%

Aurora Renters Insurance Discounts:

Aurora Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Aurora, IL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 8,240 42.0% $12.3
2 vehicles available 6,336 32.0% $18.45
3 or more vehicles available 1,903 9.0% $24.6

Protective device discount in Aurora Up to :  $18

Claims-free discount in Aurora Up to :  $24

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