Champaign Insurance Rates:

Champaign, IL home insurance is approximately $642 to $871, about $53-$72/month. Our detailed analysis indicates shoppers can save upto $302 by getting many quotes

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Champaign Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $530/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Baths 2550 sqft Rental Property Constructed In 2014 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

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

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $200/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $255,000

4 Beds, 4 Baths 3300 sqft Seasonal Residence Constructed In 1965 with Linoleum, Metal Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $170/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Bath 1420 sqft Rental Property Constructed In 1961 with Ceramic Tile Flooring, Shingles Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Copper Water Pipes, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Divorced Female who is Unemployed and has No Pets and is a Non-Smoker

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $450/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $295,000

4 Beds, 4 Bath 2820 sqft Vacation Property Constructed In 1940 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Divorced Female who is Retired and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $430/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Baths 1730 sqft Primary Residence Constructed In 1988 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1610/12 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $380,000

5 Beds, 5 Baths 4520 sqft Primary Residence Constructed In 1969 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $270/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Bath 2440 sqft Rental Property Constructed In 1949 with Carpet over wood flooring, Metal Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Married Male 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

  • 700-749 Credit Score

Home Insurance Rate of $410/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1250 sqft Primary Residence Constructed In 1999 with Ceramic Tile Flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $260/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

2 Beds, 2 Bath 1230 sqft Primary Residence Constructed In 1978 with Stone Flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $300/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Baths 2080 sqft Primary Residence Constructed In 1997 with Ceramic Tile Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Single Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $250/7 months for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 988 sqft Rental Property Constructed In 1930 with Hardwood Flooring, Tile Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Champaign, IL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
61822 $214,100 $790
61821 $140,400 $760
61820 $126,400 $750

Champaign Rates & Quotes Analysis:

Champaign Area Estimated House Insurance
High View Ct, Arden Dr, Wilbur Ave, Manchester Dr, Hagan St, Coffman Dr, Hackberry Ct, Compton Ave, High Meadow Dr, Lyndhurst Dr$757
Sandra St, Bloomfield Ct, Villa Dr, Roxford Dr, Southwest Dr, W Stoughton St, Sunview Dr, Aztec Pl, E Stoughton St, Seaton Ct$763
Rolling Acres Dr, N State St, Grant St, Worcester Dr, Florence Dr, W Cardinal Rd, Winding Ln, Pebblebrook Ln, Aztec Dr, W Cardinal Rd$761
Stratford Dr, S Locust St, Pittsfield Dr, Co Rd 1975 N, Hamilton Dr, Newton Dr, Co Rd 2100 N, Hampton Ct, Luria Ln, N James St$776
E White St, Summithill Pl, Bluegrass Ln, S New St, Sangamon Dr, Lily Ln, Beslin St, Hadley Dr, Holstrom St, Richards Ln$760
Kent Dr, Harriet St, Firethorn Ln, Eureka St, Burnetta St, South St, W Hazelwood Dr, S Van Doren St, Herbert Rd, S Garfield Ave$742
Sharon Dr, Branch Rd, Prestwick Pt, Red Bud Dr, Quail Run Dr, Campbell Dr, S McKinley Ave, Cobblefield Ct, Co Rd 1850 N, S Locust St$760
N Coler Ave, N 1st St, Garden Ln, Alagna Dr, Chestnut Ct, Fairview Ave, Creston Dr, E Illini Airport Rd, Eisner Rd, Northwood Dr S$721
Brook Ridge Cir, Peabody Dr, Golf Creek Dr, Gertrude Ave, Glenhill Pl, E Columbia Ave, Kimberly Dr, Fox Dr, Mayfair Rd, Farmington Dr$766
N 6th St, Roland Dr, Teal Cove, Henry St, W Town Center Blvd, Misty Cove, Goldenview Dr, Brittany Dr, Willoughby Rd, Riverknoll Dr$742

Insurance rates are influenced by a number of factors including:

  • Year Built: 5,197 Homes (14% of total homes ) built between 1960 to 1969 in Champaign are paying home insurance between $1,323-$1,335. Places close to Champaign, IL such as Savoy, Hensley, Philo are more expensive by $46, $14, $12 respectively while Bondville and Lake of the Woods are cheaper by $29 and $52 respectively for similar homes.
  • Bedrooms: 5,796 4 bedrooms homes (17% of total homes ) in Champaign are paying about $1,005 and varies from Savoy (+$35), Hensley (+$9), Tolono (+$4), Bondville (-$15) and Lake of the Woods (-$33).
  • Auto Insurance Bundling: 7,219 Households (46% of all households) in Champaign have 2 vehicles available and when it is bundled with home insurance you can save $151 and differs from Savoy ($156), Cunningham ($151), Urbana ($151).
  • Senior Discounts: 6,896 seniors (more than 55 years) occupied housing units (44% of total) in Champaign get discounts between $113 to $115 and varies from Savoy ($117), Cunningham ($113), Bondville ($110).
  • New Homes discounts: New homes such as the 14,197 homes built between 2000 to 2009 in Champaign can save $151 and similar new home insurance discounts in nearby towns and cities like Savoy, Cunningham and Urbana are $156, $151 and $151 respectively.

Champaign Homeowners insurance Facts

  • Champaign, IL has 15,378 owner occupied houses which is 47.8% of all units whereas Savoy, Cunningham and Urbana have 51.13%, 34.23% and 34.23% respectively.
  • Champaign, IL homeowners yearly insurance price at $756 is 0.5% of the typical house value of $151,300 which is in contrast with 0.38% in Savoy, 0.5% at Cunningham & 0.5% in Urbana.
  • Homeowners in Champaign, IL pay 1.78% of their income ($40,000 to $44,999) in insurance whereas homeowners in Savoy, Cunningham and Urbana pay 1.84%, 1.78% and 1.78% respectively.
  • Champaign, IL’s insurance is 4.6% of monthly housing costs of $1,367/month, for owners with a mortgage compared to 4.12% in Savoy, 4.82% at Cunningham & 4.82% in Urbana. But, for households without a mortgage, insurance is 11.5% of costs ($547 in Champaign, IL) in contrast with 12.6% in Savoy, 11.48% at Cunningham & 11.48% in Urbana.

Champaign, IL Home Values & Insurance rates

For example, insurance for 1,445 Homes (9.0% of total homes ) valued between $200,000 to $249,999 in Champaign, IL is about $1,126. Rates in nearby areas in such as Savoy, Hensley, Somer are cheaper by $274, $89, $20 respectively while Champaign County and Tolono are costlier by $14 and $48 respectively for similar homes.

Champaign, IL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 694 4.0% $120
$50,000 to $59,999 259 1.0% $257
$60,000 to $69,999 178 1.0% $317
$70,000 to $79,999 510 3.0% $370
$80,000 to $89,999 465 3.0% $423
$90,000 to $99,999 789 5.0% $468
$100,000 to $124,999 2,165 14.0% $544
$125,000 to $149,999 2,511 17.0% $680
$150,000 to $174,999 2,342 16.0% $808
$175,000 to $199,999 1,267 8.0% $929
$200,000 to $249,999 1,445 9.0% $1126
$250,000 to $299,999 934 6.0% $1375
$300,000 to $399,999 1,054 7.0% $1746

Renters Insurance in Champaign

  • Average Renters Insurance in Champaign :  $166($13/month)

  • Median Gross Rent in Champaign :  $825

  • Champaign Renters Insurance to Median Rent Ratio:  1.58%

  • Average household size of renter-occupied unit :  2.1

Champaign Renters Insurance as a Percentage of Rent

Champaign Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 1,446 8.0% $1241
$500 to $749 5,253 31.0% $1916
$750 to $999 4,262 25.0% $2666
$1,000 to $1,499 3,741 22.0% $3791
$1,500 or more 1,570 9.0% $5441

Protective device discount in Champaign Up to :  $24

Claims-free discount in Champaign Up to :  $33