Decatur Insurance Rates:

Decatur, IL home insurance is approximately $613 to $832, about $51-$69/month. Our extensive analysis indicates shoppers can save upto $289 by getting different quotes

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Decatur Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $70/2 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 1430 sqft Vacation Property Constructed In 1953 with Wood Flooring, Membrane Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Swimming Pool, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $40/2 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $65,000

2 Beds, 2 Bath 1070 sqft Rental Property Constructed In 1952 with Carpet Flooring, Wood Shake Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Bath 1390 sqft Seasonal Residence Constructed In 1942 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Married Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

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

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $90/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Bath 2410 sqft Seasonal Residence Constructed In 1968 with Hardwood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Divorced Male who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $140/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 1980 sqft Primary Residence Constructed In 1977 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $200/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 2100 sqft Seasonal Residence Constructed In 1988 with Linoleum, Shingles Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $30/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1640 sqft Seasonal Residence Constructed In 1989 with Carpet Flooring, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $150/8 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $80,000

3 Beds, 3 Baths 1460 sqft Primary Residence Constructed In 1954 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $300/10 months for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $50,000

2 Beds, 2 Baths 1025 sqft Primary Residence Constructed In 1961 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Decatur, IL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
62521 $94,400 $730
62522 $83,400 $730
62523 $47,900 $710

Decatur Rates & Quotes Analysis:

Decatur Area Estimated House Insurance
Diamond Head Ct, N Prospect Dr, E Stella Ct, Nordic Hills Dr, N Country Club Dr, Cresthaven Ln, Durfee St, Turner Dr, Gregory Ave, Woodland Acres$729
View St, Parkwood Pl, Houseland Ave, W Hillshire Rd, E Maryland Heights Rd, Lisa Dr, N Park St, White Pines Cir, E Geddes Ave, Eileen Dr$727
Watson Ct, Lake Fork Ave, Jennell Dr, Lantern Ln, County Line Rd, Larry Dr, Snyder St, Loma Dr, Timber Vw, N East County Line Rd$729
Rustic Vw, Haynes Dr, Wilder Ave, Nicklaus Ct, Spring St, N Macarthur Rd, Vicki Dr, E Baltimore Ave, Linden Ct, Raptor Ct$788
E Green St, Buckeye Ln, Briggs Rd, Eastmoreland Dr, Dunwood Ln, Allen Bend Dr, W Illiniwick Rd, Broadway St, Sangamon St, Washburn St$706
Gallagher Ct, N Pine St, N Camp St, N Clinton, Dogwood Ct, Illiniwick Rd, S Edgemoor Dr, E Dickinson Ave, Lake Grove Club, Thrush Ave$736
E Leafland Ave, E Marion St, Hunt St, E Maynor St, N Lowber St, Ash Ave, Hyde Park Dr, N Regina Rd, Montgomery St, N Dinneen St$749
Lowber St, N Redstart Dr, E Decatur St, Southside Country Club, S 20th St, Reeder Dr, Columbus Dr, Bay Shore Dr, Pearl St, S Dorenda St$703
Christopher Dr, E Court Dr, Fourth St, S 85th St, Short St, Emerson Ct, S Hilton St, Westland Rd, Sturgis Dr, West Dr$735
Northfield Dr, Parry Dr, Woodridge Ct, Oriole Dr, W Suburban Rd, E Prairie Ave, Clearmont Ave, S Calhoun St, E 1st Progress St, Malinda Ct$734

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,366 Homes (23% of total homes ) built between 1939 or earlier in Decatur are paying home insurance between $1,544-$1,555. Places close to Decatur, IL such as Macon County, Hickory Point, Forsyth are more expensive by $13, $45, $154 respectively while Kenney and Mount Auburn are cheaper by $11 and $10 respectively for similar homes.
  • Bedrooms: 13,179 3 bedrooms homes (36% of total homes ) in Decatur are paying about $673 and varies from Macon County (+$5), Hickory Point (+$11), Forsyth (+$57), Whitmore (-$6) and Argenta (-$3).
  • Auto Insurance Bundling: 3,868 Households (19% of all households) in Decatur have 3 or more vehicles available and when it is bundled with home insurance you can save $180. Discounts for similar bundling in close by locations such as Macon County, Hickory Point, Forsyth come to $182, $185, $198 respectively.
  • Senior Discounts: 11,035 seniors (more than 55 years) occupied housing units (55% of total) in Decatur get discounts between $108 to $110. The comparative concessions in proximate regions such as Macon County, Hickory Point and Forsyth are $109, $111 and $118 respectively.
  • New Homes discounts: New homes such as the 11,039 homes built between 2000 to 2009 in Decatur can save $144 and similar new home insurance discounts in nearby towns and cities like Macon County, Hickory Point and Forsyth are $145, $148 and $158 respectively.

Decatur Homeowners insurance Facts

  • Decatur, IL has 19,744 owner occupied houses which is 62.6% of all units whereas Macon County, Hickory Point and Forsyth have 69.52%, 65.25% and 90.58% respectively.
  • Decatur, IL homeowners yearly insurance price at $723 is 0.9% of the typical house value of $80,100 which is in contrast with 0.79% in Macon County, 0.6% at Hickory Point & 0.35% in Forsyth.
  • Homeowners in Decatur, IL pay 5.78% of their income ($10,000 to $14,999) in insurance whereas homeowners in Macon County, Hickory Point and Forsyth pay 5.83%, 5.94% and 6.34% respectively.
  • Decatur, IL’s insurance is 6.3% of monthly housing costs of $958/month, for owners with a mortgage compared to 5.75% in Macon County, 5.01% at Hickory Point & 3.42% in Forsyth. But, for households without a mortgage, insurance is 15.4% of costs ($391 in Decatur, IL) in contrast with 14.75% in Macon County, 12.95% at Hickory Point & 11.24% in Forsyth.

Decatur, IL Home Values & Insurance rates

For example, insurance for 1,064 Homes (5.0% of total homes ) valued between $150,000 to $174,999 in Decatur, IL is about $1,460. Rates in nearby areas in such as Macon County, Hickory Point, Forsyth are cheaper by $185, $487, $905 respectively while Blue Mound and Cisco are costlier by $46 and $7 respectively for similar homes.

Decatur, IL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,125 26.0% $224
$50,000 to $59,999 1,370 7.0% $469
$60,000 to $69,999 1,818 9.0% $585
$70,000 to $79,999 1,544 7.0% $672
$80,000 to $89,999 1,625 8.0% $766
$90,000 to $99,999 1,360 6.0% $853
$100,000 to $124,999 2,322 11.0% $990
$125,000 to $149,999 1,559 8.0% $1236
$150,000 to $174,999 1,064 5.0% $1460
$175,000 to $199,999 625 3.0% $1691
$200,000 to $249,999 527 2.0% $2031
$250,000 to $299,999 220 1.0% $2479
$300,000 to $399,999 278 1.0% $3152

Renters Insurance in Decatur

  • Average Renters Insurance in Decatur :  $235($19/month)

  • Median Gross Rent in Decatur :  $653

  • Decatur Renters Insurance to Median Rent Ratio:  2.91%

  • Average household size of renter-occupied unit :  2.18

Decatur Renters Insurance as a Percentage of Rent

Decatur Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 257 2.0% $358
$200 to $299 699 6.0% $808
$300 to $499 1,773 15.0% $1258
$500 to $749 4,641 41.0% $1933
$750 to $999 2,730 24.0% $2683
$1,000 to $1,499 791 7.0% $3808
$1,500 or more 288 2.0% $5458

Protective device discount in Decatur Up to :  $35

Claims-free discount in Decatur Up to :  $47