Junction City Insurance Rates:

Junction City, OR home insurance is roughly $379 to $517, about $31-$43/month. Our thorough research reveals consumers can save as much as $179 by comparing many quotes

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Junction City Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $760/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $480,000

5 Beds, 5 Baths 4010 sqft Rental Property Constructed In 1986 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Fireplace, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $110/1 month for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $670,000

5 Beds, 5 Baths 4500 sqft Rental Property Constructed In 2001 with Stone Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $790/8 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $360,000

5 Beds, 5 Baths 3180 sqft Vacation Property Constructed In 1940 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 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 :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $480/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Baths 1850 sqft Primary Residence Constructed In 1945 with Wood Flooring, Tile Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $700/5 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $520,000

5 Beds, 5 Baths 3360 sqft Rental Property Constructed In 1943 with Carpet Flooring, Tile Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • Up to 499 Credit Score

Home Insurance Rate of $50/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $360,000

4 Beds, 4 Baths 3390 sqft Vacation Property Constructed In 1997 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Female who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $360/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $330,000

5 Beds, 5 Baths 2350 sqft Vacation Property Constructed In 1978 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $300/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $410,000

5 Beds, 5 Baths 2710 sqft Vacation Property Constructed In 2003 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Junction City, OR Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
97448 $244,400 $450

Junction City Rates & Quotes Analysis:

Junction City Area Estimated House Insurance
Beacon Dr W, Link Ln, E 7th Ave, E 1st Ave, Sovern Ln, Strawick Ln, Unity Ct, Dorsey Ln, Unity St, State Hwy 36$441
SW Laurel St, SW Nyssa St, Dodson Ct, Yew Ct, Zumwalt Ln, E 5th Ave, Pitney Ln, SW Coral Ave, Wickwire Ln, Deal St$442
Awbrey Ln, SW Oleander St, Mapleton-Junction City Hwy, Riverview Dr, Hulbert Lake Rd, E 3rd Ave, 11th Ave, Willow St, Boden St, E 10th Pl$441
David Ln, Fieldcrest Ave, Vine St, SW Addison Ave, Birch St, Payne Rd, Albany Hwy, Cedar St, Kinney Ln, State Hwy 99E$442
Culver Ln, Victory Rd, Yew St, E 14th Ave, Victory Dr, Yellowwood St, E 10th Ave, Hileman Ln, Spruce St, McMullen Ln$451

Insurance rates are influenced by a number of factors including:

  • Year Built: 999 Homes (20% of total) built between 1970 to 1979 in Junction City are paying home insurance between $726-$733 compared to Southwest Benton (+$17), Benton County (+$10), Upper Siuslaw River (+$13), Monroe (-$28) and Alpine (-$26).
  • Bedrooms: 1,286 2 bedrooms homes (26% of total homes ) in Junction City are paying about $211 and differs from Pleasant Hill (+$6), Marcola (+$5), Yachats (+$3), Monroe (-$12) and Alpine (-$7).
  • Auto Insurance Bundling: 1,112 Households (36% of all households) in Junction City have 2 vehicles available and when it is bundled with home insurance you can save $89 and varies from Monroe ($86), Alpine ($86), Veneta ($87).
  • Senior Discounts: 1,805 seniors (more than 55 years) occupied housing units (59% of total) in Junction City get discounts between $66 to $69 and differs from Monroe ($64), Veneta ($65), Bellfountain ($60).
  • New Homes discounts: New homes such as the 1,871 homes built between 2000 to 2009 in Junction City can save $89 and similar new home insurance discounts in nearby towns and cities like Monroe, Alpine and Veneta are $86, $86 and $87 respectively.

Junction City Homeowners insurance Facts

  • Junction City, OR has 3,024 owner occupied houses which is 65.3% of all units whereas Monroe, Alpine and Veneta have 70.78%, 66.67% and 74.01% respectively.
  • Junction City, OR homeowners yearly insurance price at $448 is 0.19% of the typical house value of $237,700 which is in contrast with 0.3% in Monroe, 0.29% at Alpine & 0.24% in Veneta.
  • Homeowners in Junction City, OR pay 1.38% of their income ($30,000 to $34,999) in insurance whereas homeowners in Monroe, Alpine and Veneta pay 1.33%, 1.33% and 1.35% respectively.
  • Junction City, OR’s insurance is 2.6% of monthly housing costs of $1,427/month, for owners with a mortgage compared to 3.81% in Monroe, 2.45% at Veneta & 2.41% in Badger Mountain. But, for households without a mortgage, insurance is 8.7% of costs ($429 in Junction City, OR) in contrast with 10.26% in Monroe, 8.33% at Veneta & 9.91% in Badger Mountain.

Junction City, OR Home Values & Insurance rates

For example, insurance for 240 Homes (9.0% of total homes ) valued between $150,000 to $174,999 in Junction City, OR is about $304. Rates in nearby areas in such as Southeast Benton, Coburg, Eugene are cheaper by $28, $24, $8 respectively while Monroe and Alpine are costlier by $178 and $162 respectively for similar homes.

Junction City, OR Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 330 13.0% $44
$50,000 to $59,999 49 1.0% $98
$70,000 to $79,999 32 1.0% $138
$90,000 to $99,999 53 2.0% $174
$100,000 to $124,999 111 4.0% $206
$125,000 to $149,999 118 4.0% $255
$150,000 to $174,999 240 9.0% $304
$175,000 to $199,999 210 8.0% $349
$200,000 to $249,999 450 18.0% $421
$250,000 to $299,999 307 12.0% $515
$300,000 to $399,999 560 22.0% $658

Renters Insurance in Junction City

  • Average Renters Insurance in Junction City :  $141($11/month)

  • Median Gross Rent in Junction City :  $809

  • Junction City Renters Insurance to Median Rent Ratio:  1.36%

  • Average household size of renter-occupied unit :  2.61

Junction City Renters Insurance as a Percentage of Rent

Junction City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 25 1.0% $335
$200 to $299 43 2.0% $785
$300 to $499 100 6.0% $1235
$500 to $749 489 33.0% $1910
$750 to $999 348 24.0% $2660
$1,000 to $1,499 362 25.0% $3785
$1,500 or more 75 5.0% $5435

Rent Affordability in Junction City:

Approximately 53.0% (861) of households are spending more than 35% of their income on gross rent in Junction City

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 101 6.0%
15.0 to 19.9 percent 127 7.0%
20.0 to 24.9 percent 256 15.0%
25.0 to 29.9 percent 148 9.0%
30.0 to 34.9 percent 114 7.0%
35.0 percent or more 861 53.0%

Junction City Renters Insurance Discounts:

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

Number of Vehicles in Junction City, OR Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 682 42.0% $14.1
2 vehicles available 542 33.0% $21.15
3 or more vehicles available 155 9.0% $28.2

Protective device discount in Junction City Up to :  $21

Claims-free discount in Junction City Up to :  $28