Dubuque Insurance Rates:

Dubuque, IA home insurance is roughly $568 to $771, about $47-$64/month. Our detailed analysis shows customers can save as much as $267 by comparing many quotes

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Dubuque Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $670/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Baths 2760 sqft Rental Property Constructed In 1980 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet 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 $80/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Bath 1870 sqft Seasonal Residence Constructed In 1986 with Stone Flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Swimming Pool, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1060/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $315,000

5 Beds, 5 Baths 3330 sqft Seasonal Residence Constructed In 1966 with Wood Flooring, Composition Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $230/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1300 sqft Seasonal Residence Constructed In 1941 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

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

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $570/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

5 Beds, 5 Baths 2650 sqft Primary Residence Constructed In 1968 with Linoleum, Tile Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

33 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 :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $770/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1410 sqft Primary Residence Constructed In 1984 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $410/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 1040 sqft Primary Residence Constructed In 1962 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $730/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $125,000

5 Beds, 5 Baths 1600 sqft Seasonal Residence Constructed In 1966 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Swimming Pool, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $620/6 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Baths 1798 sqft Primary Residence Constructed In 1979 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Dubuque, IA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
52002 $176,300 $710
52003 $168,900 $700
52001 $118,800 $680

Dubuque Rates & Quotes Analysis:

Dubuque Area Estimated House Insurance
Deere St, Roosevelt St, Judson Ct, Brueck Rd, Owen Ct, Alta Vista St, Palmer Dr, Highland Park Dr, Matthew John, Rose St$675
Lawndale St, Churchill Dr, Quigley Ln, Johnson St, N Star Dr, Zwingle Ct, Sundown Ridge Ct, River Ridge St, E View St, Inwood Ave$666
Century Dr, Pleasant St, Alan Jackson Dr, West St, Elm St, Lawther St, Ambassador Ct, St Ambrose St, Valentine Dr, Samantha Dr$661
Chalmers, Glen Oak, Judson Dr, Stoneman Rd, W 1st St, Mount Pleasant, Bennett St, Calonder Rd, Milwaukee St, Groveland Pl$664
Jenni St, Clay Hill Rd, Jecklin Ln, Ridgeview Dr, Timberline St, Jennifer Ct, Herod Ln, Foothill Ct, Trails Edge Dr, Sagewood Dr$715
Rosedale Ave, High Bluff St, Cardinal Dr, Sheridan Rd, Amy Ct, Brown St, Oxford Dr, Adair St, Preston Ln, Barrington Dr$665
Olde Highway Rd, Wild Rose Ln, Tressa St, Farragut St Exd, Arizona St, Jansen St, Chippewa Dr, Waller Rd, Olde Highway Rd, Kevindale St$680
Olde Highway Rd, W Locust St, Brecht Ln, Riverside Rd, Green St, Mount St Bernard Dr, Firestone, Aquin St, Windsor Ave, Edwards Rd$718
Southern Ave, E 26th St, Industrial Dr, S Main St, Clarke Dr, Colonel Dr, Scenic View Dr, Feeney Rd, Woodland Dr, Missy Dr$721
W 15th St, Prairie du Chien Dr, Elizabeth Pl, Dover Ct, Hummingbird Dr, Gabriel Dr, Avalon Rd, Paul St, Williams Ln, Stoneybrook Ct$657

Insurance rates are influenced by a number of factors including:

  • Year Built: 3,338 Homes (13% of total homes ) built between 1970 to 1979 in Dubuque are paying home insurance between $1,084-$1,094. Places close to Dubuque, IA such as East Dubuque(IL), Asbury, Dunleith(IL) are more expensive by $125, $67, $132 respectively while Sageville and Durango are cheaper by $18 and $26 respectively for similar homes.
  • Bedrooms: 7,248 2 bedrooms homes (29% of total homes ) in Dubuque are paying about $596. Areas near to Dubuque such as Asbury, Table Mound, Centralia are costlier by $29, $27, $36 respectively whereas Sageville and East Dubuque(IL) are more economical by $10, $51 respectively for similar homes.
  • Auto Insurance Bundling: 2,988 Households (18% of all households) in Dubuque have 3 or more vehicles available and when it is bundled with home insurance you can save $167. Discounts for similar bundling in close by locations such as Sageville, East Dubuque (IL), Asbury come to $164, $186, $177 respectively.
  • Senior Discounts: 7,641 seniors (more than 55 years) occupied housing units (48% of total) in Dubuque get discounts between $100 to $102. The comparative concessions in proximate regions such as Sageville, East Dubuque(IL) and Asbury are $98, $111 and $106 respectively.
  • New Homes discounts: New homes such as the 6,874 homes built between 2000 to 2009 in Dubuque can save $133 and varies from Sageville ($131), East Dubuque(IL) ($149), Asbury ($142).

Dubuque Homeowners insurance Facts

  • Dubuque, IA has 15,727 owner occupied houses which is 65.6% of all units whereas Sageville, East Dubuque and Asbury have 91.94%, 69.43% and 93.07% respectively.
  • Dubuque, IA homeowners yearly insurance price at $669 is 0.52% of the typical house value of $127,900 which is in contrast with 0.62% in Sageville, 0.57% at East Dubuque & 0.34% in Asbury.
  • Homeowners in Dubuque, IA pay 2.43% of their income ($25,000 to $29,999) in insurance whereas homeowners in Sageville, East Dubuque and Asbury pay 2.39%, 2.71% and 2.58% respectively.
  • Dubuque, IA’s insurance is 5.1% of monthly housing costs of $1,098/month, for owners with a mortgage compared to 6.01% in Sageville, 5.71% at East Dubuque & 4.0% in Asbury. But, for households without a mortgage, insurance is 13.7% of costs ($406 in Dubuque, IA) in contrast with 11.97% in Sageville, 14.49% at East Dubuque & 11.76% in Asbury.

Dubuque, IA Home Values & Insurance rates

For example, insurance for 2,656 Homes (17.0% of total homes ) valued between $100,000 to $124,999 in Dubuque, IA is about $575. Rates in nearby areas in such as Asbury, Sandy Hook, Table Mound are cheaper by $199, $154, $163 respectively while Sageville and East Dubuque are costlier by $102 and $51 respectively for similar homes.

Dubuque, IA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,192 7.0% $127
$50,000 to $59,999 392 2.0% $274
$60,000 to $69,999 465 3.0% $334
$70,000 to $79,999 654 4.0% $388
$80,000 to $89,999 922 5.0% $441
$90,000 to $99,999 1,276 8.0% $495
$100,000 to $124,999 2,656 17.0% $575
$125,000 to $149,999 2,632 17.0% $715
$150,000 to $174,999 2,087 13.0% $849
$175,000 to $199,999 1,047 6.0% $976
$200,000 to $249,999 1,182 7.0% $1177
$250,000 to $299,999 519 3.0% $1438
$300,000 to $399,999 392 2.0% $1826

Renters Insurance in Dubuque

  • Average Renters Insurance in Dubuque :  $139($11/month)

  • Median Gross Rent in Dubuque :  $645

  • Dubuque Renters Insurance to Median Rent Ratio:  1.71%

  • Average household size of renter-occupied unit :  1.99

Dubuque Renters Insurance as a Percentage of Rent

Dubuque Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 222 2.0% $784
$300 to $499 1,698 20.0% $1234
$500 to $749 3,238 39.0% $1909
$750 to $999 1,719 21.0% $2659
$1,000 to $1,499 781 9.0% $3784
$1,500 or more 393 4.0% $5434

Rent Affordability in Dubuque:

Approximately 41.0% (3,434) of households are spending more than 35% of their income on gross rent in Dubuque

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,027 12.0%
15.0 to 19.9 percent 1,216 14.0%
20.0 to 24.9 percent 1,048 12.0%
25.0 to 29.9 percent 792 9.0%
30.0 to 34.9 percent 724 8.0%
35.0 percent or more 3,434 41.0%

Protective device discount in Dubuque Up to :  $20

Claims-free discount in Dubuque Up to :  $27