Coos Bay Insurance Rates:

Coos Bay, OR home insurance is nearly $371 to $503, about $30-$41/month. Our detailed research shows customers can save upto $174 by comparing many quotes

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Coos Bay, Oregon Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Coos Bay Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Hartford Insurance Group
Home Insurance Rate of $90/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

2 Beds, 2 Bath 1670 sqft Rental Property Constructed In 2000 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Married Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $100/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $355,000

5 Beds, 5 Baths 3520 sqft Vacation Property Constructed In 1964 with Wood Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $150/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1510 sqft Rental Property Constructed In 1940 with Stone Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $70/1 month for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $385,000

5 Beds, 5 Baths 3280 sqft Vacation Property Constructed In 1985 with Wood Flooring, Slate Shingles Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

57 Years old Divorced Male who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $130/1 month for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $545,000

5 Beds, 5 Baths 4590 sqft Primary Residence Constructed In 2009 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $430/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $280,000

4 Beds, 4 Bath 2370 sqft Primary Residence Constructed In 1966 with Stone Flooring, Tile Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $30/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Bath 2560 sqft Vacation Property Constructed In 1989 with Stone Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Single Male who is Retired with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $270/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1650 sqft Vacation Property Constructed In 1980 with Wood Flooring, Metal Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Married Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Coos Bay Rates & Quotes Analysis:

Coos Bay Area Estimated House Insurance
Everett St, Brights Mill Rd, N Meadow Dr, S 1st St, 16th St, Anderson Ave, Harriet St, N Broadway, Main St, Edwards Ct$436
Ahill Rd, N 3rd Ct, Maryland St, 8th Ter, 16th Ave, 28th St, Edward Ave, Hackett Ln, 14th St, Redwood Ave$439
Harrison St, Delaware St, Dunn St, 15th St, N 10th St, Bruce Ln, Yocum Rd, E Johnson Ave, Lindberg Ave, S 17th St$428
High St, 25th St, Highland Ave, S Wall St, Michigan Ave, Sandcastle Ln, Village Pines Ct, Butler Rd, Tower St, 8th Loop$425
Old Wireless Ln, Scorpion Dr, Margaretta St, Empire-Coos Bay Hwy, Cameron Rd, N 11th St, Nutwood Ave, Cedar St, Garfield Ave, Waite Rd$439

Insurance rates are influenced by a number of factors including:

  • Year Built: 3,306 Homes (23% of total) built between 1970 to 1979 in Coos Bay are paying home insurance between $707-$714 and varies from Glasgow (+$11), Eastside (+$15), Bandon (+$29), Bunker Hill (-$11) and Langlois (-$17).
  • Bedrooms: 5,745 3 bedrooms homes (41% of total homes ) in Coos Bay are paying about $258 in contrast with North Bend (+$3), Glasgow (+$4), Coos County (+$6), Bunker Hill (-$4) and Langlois (-$6).
  • Auto Insurance Bundling: 3,117 Households (41% of all households) in Coos Bay have 2 vehicles available and when it is bundled with home insurance you can save $87. Discounts for similar bundling in close by locations such as Barview, Bunker Hill, North Bend come to $87, $86, $88 respectively.
  • Senior Discounts: 4,879 seniors (more than 55 years) occupied housing units (64% of total) in Coos Bay get discounts between $65 to $67. The comparative concessions in proximate regions such as Barview, Bunker Hill and North Bend are $65, $64 and $66 respectively.
  • New Homes discounts: New homes such as the 4,926 homes built between 2000 to 2009 in Coos Bay can save $87 and similar new home insurance discounts in nearby towns and cities like Barview, Bunker Hill and North Bend are $87, $86 and $88 respectively.

Coos Bay Homeowners insurance Facts

  • Coos Bay, OR has 7,519 owner occupied houses which is 58.5% of all units whereas Barview, Bunker Hill and North Bend have 64.89%, 73.82% and 57.37% respectively.
  • Coos Bay, OR homeowners yearly insurance price at $437 is 0.25% of the typical house value of $176,100 which is in contrast with 0.26% in Barview, 0.31% at Bunker Hill & 0.22% in North Bend.
  • Homeowners in Coos Bay, OR pay 3.5% of their income ($10,000 to $14,999) in insurance whereas homeowners in Barview, Bunker Hill and North Bend pay 3.48%, 3.44% and 3.53% respectively.
  • Coos Bay, OR’s insurance is 2.8% of monthly housing costs of $1,281/month, for owners with a mortgage compared to 3.27% in Barview, 3.15% at Bunker Hill & 2.7% in North Bend. But, for households without a mortgage, insurance is 9.4% of costs ($389 in Coos Bay, OR) in contrast with 10.51% in Barview, 10.21% at Bunker Hill & 9.3% in North Bend.

Coos Bay, OR Home Values & Insurance rates

For example, insurance for 223 Homes (3.0% of total homes ) valued between $70,000 to $79,999 in Coos Bay, OR is about $183. Rates in nearby areas in such as Coquille, Coos County, North Bayside are cheaper by $8, $12, $12 respectively while Lakeside and Myrtle Point are costlier by $24 and $8 respectively for similar homes.

Coos Bay, OR Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 617 8.0% $61
$50,000 to $59,999 104 1.0% $126
$60,000 to $69,999 126 1.0% $157
$70,000 to $79,999 223 3.0% $183
$80,000 to $89,999 186 2.0% $209
$90,000 to $99,999 188 2.0% $231
$100,000 to $124,999 525 7.0% $270
$125,000 to $149,999 725 10.0% $340
$150,000 to $174,999 1,030 14.0% $402
$175,000 to $199,999 843 11.0% $463
$200,000 to $249,999 1,372 19.0% $559
$250,000 to $299,999 579 8.0% $681
$300,000 to $399,999 647 9.0% $865

Renters Insurance in Coos Bay

  • Average Renters Insurance in Coos Bay :  $175($14/month)

  • Median Gross Rent in Coos Bay :  $722

  • Coos Bay Renters Insurance to Median Rent Ratio:  1.94%

  • Renter occupied housing units in Coos Bay :  5,333

Coos Bay Renters Insurance as a Percentage of Rent

Coos Bay Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 60 1.0% $343
$200 to $299 187 3.0% $793
$300 to $499 657 13.0% $1243
$500 to $749 1,706 34.0% $1918
$750 to $999 1,231 25.0% $2668
$1,000 to $1,499 910 18.0% $3793
$1,500 or more 151 3.0% $5443

Rent Affordability in Coos Bay:

Approximately 52.0% (2,804) of households are spending more than 35% of their income on gross rent in Coos Bay

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 381 7.0%
15.0 to 19.9 percent 568 10.0%
20.0 to 24.9 percent 635 11.0%
25.0 to 29.9 percent 530 9.0%
30.0 to 34.9 percent 415 7.0%
35.0 percent or more 2,804 52.0%

Coos Bay Renters Insurance Discounts:

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

Number of Vehicles in Coos Bay, OR Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 2,761 51.0% $17.5
2 vehicles available 1,637 30.0% $26.25
3 or more vehicles available 335 6.0% $35.0

Coos Bay Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 397 7.0% $72
60 to 64 years 288 5.0% $57
65 to 74 years 350 6.0% $46
75 years and over 354 6.0% $36

Protective device discount in Coos Bay Up to :  $26

Claims-free discount in Coos Bay Up to :  $35