Lyons Insurance Rates:

Lyons, IL home insurance is approximately $697 to $947, about $58-$78/month. Our exhaustive guide reveals consumers can save as much as $328 by getting multiple quotes

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Lyons, Illinois Homeowners share the good, bad & ugly reviews of thier insurance providers so that you can compare quotes from the best

Lyons Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $120/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $230,000

4 Beds, 4 Baths 1760 sqft Seasonal Residence Constructed In 1940 with Carpet over wood flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Indoor Sprinklers, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $650/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Baths 2190 sqft Primary Residence Constructed In 2013 with Carpet Flooring, Composition Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $1570/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $385,000

5 Beds, 5 Baths 3020 sqft Primary Residence Constructed In 2011 with Ceramic Tile Flooring, Wood Shake Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Married Male 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

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $160/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

5 Beds, 5 Baths 2060 sqft Vacation Property Constructed In 1973 with Carpet Flooring, Metal Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $620/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $420,000

5 Beds, 5 Baths 3500 sqft Vacation Property Constructed In 1967 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Fireplace, Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 3 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 $130/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $360,000

4 Beds, 4 Bath 2020 sqft Vacation Property Constructed In 1976 with Carpet Flooring, Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1650/6 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $815,000

5 Beds, 5 Baths 4820 sqft Rental Property Constructed In 1945 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1640/6 months for $350,000-$400,000 Coverage
Policy Holder Home Details :

Home Value : $430,000

4 Beds, 4 Baths 2112 sqft Primary Residence Constructed In 1967 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 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 :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Lyons, IL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
60534 $196,500 $790

Lyons Rates & Quotes Analysis:

Lyons Area Estimated House Insurance
Lawn Dr, Archer Rd, Longview Dr, Sholer Ave, 54th St, Stalford Rd, Lynn Ave, Shields Ave, Villiage Center Dr, Steeple Hill Dr$849
Scenic Dr, Christeen Dr, S 77th Ave, Harlem Dr, W Harris Ave, W Jackson Ave, Santa Fe Ln, W Plainfield Rd, Bills Ln, 77th Ct$868
S Franklin Ave, E Goodman Ave, Shakespeare Ave, Deyo Ave, W Lawndale Ave, N Edgewood Ave, Cliffside Circle Dr, 59th Pl, Woodside Ave, Riverview Ave$779
Country Club W, Santa Fe Dr, Caroline Ave, Anna Ave, N Catherine Ave, Leona, Keokuk Rd, Merry Ct, Elm Ln, Independence Dr$828
48th St, Potawatome Trl, 51st St, Woodview Rd, Stone Ave, E 7th St, Hunt Ave, Carr Ct, Nueport Ct S, Shawnee Trl$861

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,890 Homes (16% of total) built between 1970 to 1979 in Lyons are paying home insurance between $1,333-$1,345 compared to La Grange (+$133), Western Springs (+$203), Willow Springs (+$31), Hodgkins (-$187) and Countryside (-$53).
  • Bedrooms: 12,266 2 bedrooms homes (29% of total homes ) in Lyons are paying about $592. Areas near to Lyons such as La Grange, Western Springs, Willow Springs are costlier by $59, $90, $14 respectively whereas Hodgkins and Countryside are more economical by $75, $23 respectively for similar homes.
  • Auto Insurance Bundling: 13,739 Households (46% of all households) in Lyons have 2 vehicles available and when it is bundled with home insurance you can save $164 and differs from Hodgkins ($141), Countryside ($158), McCook ($160).
  • Senior Discounts: 14,126 seniors (more than 55 years) occupied housing units (48% of total) in Lyons get discounts between $122 to $125. The comparative concessions in proximate regions such as Hodgkins, Countryside and McCook are $106, $118 and $120 respectively.
  • New Homes discounts: New homes such as the 15,447 homes built between 2000 to 2009 in Lyons can save $164 and differs from Hodgkins ($141), Countryside ($158), McCook ($160).

Lyons Homeowners insurance Facts

  • Lyons, IL has 29,348 owner occupied houses which is 74.1% of all units whereas Hodgkins, Countryside and McCook have 65.61%, 77.97% and 56.03% respectively.
  • Lyons, IL homeowners yearly insurance price at $822 is 0.29% of the typical house value of $288,300 which is in contrast with 1.5% in Hodgkins, 0.36% at Countryside & 0.33% in McCook.
  • Homeowners in Lyons, IL pay 1.22% of their income ($60,000 to $74,999) in insurance whereas homeowners in Hodgkins, Countryside and McCook pay 1.05%, 1.17% and 1.19% respectively.
  • Lyons, IL’s insurance is 3.2% of monthly housing costs of $2,153/month, for owners with a mortgage compared to 3.78% in Hodgkins, 4.12% at Countryside & 3.0% in McCook. But, for households without a mortgage, insurance is 9.5% of costs ($725 in Lyons, IL) in contrast with 8.82% in Hodgkins, 10.13% at Countryside & 9.61% in McCook.

Lyons, IL Home Values & Insurance rates

For example, insurance for 1,424 Homes (7.0% of total homes ) valued between Less than $50,000 in Lyons, IL is about $65. Rates in nearby areas in such as Western Springs, Willow Springs, Burr Ridge are cheaper by $28, $7, $35 respectively while Hodgkins and Countryside are costlier by $302 and $21 respectively for similar homes.

Lyons, IL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,424 7.0% $65
$90,000 to $99,999 203 1.0% $263
$100,000 to $124,999 998 4.0% $312
$125,000 to $149,999 1,067 5.0% $386
$150,000 to $174,999 2,426 11.0% $460
$175,000 to $199,999 1,877 9.0% $534
$200,000 to $249,999 3,866 19.0% $641
$250,000 to $299,999 3,013 14.0% $780
$300,000 to $399,999 4,835 23.0% $994

Renters Insurance in Lyons

  • Average Renters Insurance in Lyons :  $30($2/month)

  • Median Gross Rent in Lyons :  $901

  • Lyons Renters Insurance to Median Rent Ratio:  0.22%

  • Renter occupied housing units in Lyons :  10,248

Lyons Renters Insurance as a Percentage of Rent

Lyons Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 123 1.0% $1207
$500 to $749 1,566 16.0% $1882
$750 to $999 4,569 47.0% $2632
$1,000 to $1,499 2,570 26.0% $3757
$1,500 or more 788 8.0% $5407

Rent Affordability in Lyons:

Approximately 41.0% (4,217) of households are spending more than 35% of their income on gross rent in Lyons

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,627 15.0%
15.0 to 19.9 percent 1,246 12.0%
20.0 to 24.9 percent 1,306 12.0%
25.0 to 29.9 percent 962 9.0%
30.0 to 34.9 percent 890 8.0%
35.0 percent or more 4,217 41.0%

Protective device discount in Lyons Up to :  $4

Claims-free discount in Lyons Up to :  $6