Naperville Insurance Rates:

Naperville, IL home insurance is about $737 to $999, about $61-$83/month. Our complete guide indicates shoppers can save as much as $347 by getting different quotes

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Read Naperville, Illinois Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Naperville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $160/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $565,000

4 Beds, 4 Baths 3370 sqft Primary Residence Constructed In 2013 with Linoleum, Wood Shake Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

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

  • 700-749 Credit Score

Home Insurance Rate of $400/2 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $710,000

5 Beds, 5 Baths 4190 sqft Rental Property Constructed In 1982 with Linoleum, Shingles Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Single 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 :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $2200/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $355,000

4 Beds, 4 Bath 1840 sqft Seasonal Residence Constructed In 1995 with Wood Flooring, Shingles Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Single Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

Home Insurance Rate of $120/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $230,000

2 Beds, 2 Bath 1440 sqft Rental Property Constructed In 1983 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $220/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $305,000

3 Beds, 3 Bath 1800 sqft Rental Property Constructed In 2010 with Linoleum, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $240/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $450,000

4 Beds, 4 Baths 2160 sqft Vacation Property Constructed In 1984 with Stone Flooring, Composition Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Married Male who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $3850/12 months for $500,000-$600,000 Coverage
Policy Holder Home Details :

Home Value : $495,000

4 Beds, 4 Baths 3445 sqft Primary Residence Constructed In 1998 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Naperville, IL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
60564 $422,500 $910
60540 $388,400 $890
60565 $370,700 $880
60563 $322,700 $860

Naperville Rates & Quotes Analysis:

Naperville Area Estimated House Insurance
Bluejay Ln, Boulder Ridge Ct, Ford Ln, Brossman St, Joe Willie Ct, S Rivercrest Dr, St Croix Ave, Applewood Dr, 252nd Ave, Massachusetts Ave$907
Gleneagles Ct, Clubhouse St, Springdale Cir, Hampshire Ct, Rivermist Ct, Kings Rd, Ashcroft Dr, Petworth Ct, Saffron Ln, Park Ln$848
Plainfield/naperville Rd, Lobelia Cir, Midhurst Ct, Kubek Rd, Danube Way, Willow Ridge Dr, Staffeldt Dr, Bluewater Cir, S Naper Romeo Rd, Putnam Dr$832
Weinhold Dr, Denise St, Glenn Cir, Calvert Ct, Callery Rd, Potomac Ave, Kingbird Ln, Redwing Ct, Grommon Rd, Covington Ct$883
Chaparral Dr, Orwell Rd, Northmoor Dr, Townsend Cir, Crystal Rock Rd, Alago Rd, S Normantown Rd, River Hills Ln, Royal County Down Dr, Beaver Creek Dr$934
Senna Ct, Cordgrass Rd, Michele Ct, Wishing Well Ln, Farmgate Dr, Forsythia St, Countryside Cir, Robert Ln, Lavergne St, Bennington Ct$870
Evon St, Bergamot Ln, Marina Dr, W Robin Ln, River Hills Ct, Cresthaven Ln, Walton Heath Dr, Steamboat Rd, Glenview Ln, Presley Cir$889
Waterford Ct, McGrath Ln, Fesseneva Ln, Nicanoa Ln, Kewanee Ln, Stoneleigh Ct, Rhine Ave, Trussel Rd, Co Hwy 1, Wicklow Rd$889
Palisades Dr, Waterleaf Ct, Palmer Ct, Saganashkee Ln, Amherst Ct, S Wolf Dr, W Andrew Rd, Bluemont Ct, Knoch Knolls Rd, Crabapple St$889
Parador Dr, Stillwater Ct, Royce Rd, Douglas Dr, Crimson Ct, Winter Park Ct, Timber Creek Ln, Blue Heron Cove, Haddam Rd, Niswender Dr$881

Insurance rates are influenced by a number of factors including:

  • Year Built: 14,657 Homes (28% of total) built between 1980 to 1989 in Naperville are paying home insurance between $1,295-$1,308 in contrast with Glen Ellyn (+$10), Clarendon Hills (+$131), Oak Brook (+$304), Lisle (-$45) and Bolingbrook (-$114).
  • Bedrooms: 11,060 2 bedrooms homes (21% of total homes ) in Naperville are paying about $625. Areas near to Naperville such as Glen Ellyn, Clarendon Hills, Oak Brook are costlier by $5, $64, $147 respectively whereas Lisle and Bolingbrook are more economical by $21, $46 respectively for similar homes.
  • Auto Insurance Bundling: 9,092 Households (24% of all households) in Naperville have 3 or more vehicles available and when it is bundled with home insurance you can save $217. Discounts for similar bundling in close by locations such as Lisle, Bolingbrook, Wheatland come to $209, $198, $213 respectively.
  • Senior Discounts: 14,317 seniors (more than 55 years) occupied housing units (37% of total) in Naperville get discounts between $129 to $132. The comparative concessions in proximate regions such as Lisle, Bolingbrook and Wheatland are $125, $118 and $128 respectively.
  • New Homes discounts: New homes such as the 23,437 homes built between 2000 to 2009 in Naperville can save $173 and similar new home insurance discounts in nearby towns and cities like Lisle, Bolingbrook and Wheatland are $167, $158 and $171 respectively.

Naperville Homeowners insurance Facts

  • Naperville, IL has 37,738 owner occupied houses which is 77.0% of all units whereas Lisle, Bolingbrook and Wheatland have 74.49%, 84.09% and 93.86% respectively.
  • Naperville, IL homeowners yearly insurance price at $868 is 0.23% of the typical house value of $384,500 which is in contrast with 0.26% in Lisle, 0.35% at Bolingbrook & 0.24% in Wheatland.
  • Homeowners in Naperville, IL pay 4.96% of their income ($15,000 to $19,999) in insurance whereas homeowners in Lisle, Bolingbrook and Wheatland pay 4.79%, 4.53% and 4.89% respectively.
  • Naperville, IL’s insurance is 2.9% of monthly housing costs of $2,523/month, for owners with a mortgage compared to 3.17% in Lisle, 3.31% at Bolingbrook & 2.68% in Wheatland. But, for households without a mortgage, insurance is 7.9% of costs ($922 in Naperville, IL) in contrast with 8.46% in Lisle, 9.76% at Bolingbrook & 7.23% in Wheatland.

Naperville, IL Home Values & Insurance rates

For example, insurance for 570 Homes (2.0% of total homes ) valued between $100,000 to $124,999 in Naperville, IL is about $243. Rates in nearby areas in such as Glen Ellyn, Oak Brook, Hinsdale are cheaper by $7, $104, $103 respectively while Lisle and Bolingbrook are costlier by $41 and $137 respectively for similar homes.

Naperville, IL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 213 1.0% $52
$100,000 to $124,999 570 2.0% $243
$125,000 to $149,999 551 2.0% $303
$150,000 to $174,999 1,141 5.0% $364
$175,000 to $199,999 1,258 6.0% $416
$200,000 to $249,999 2,620 12.0% $503
$250,000 to $299,999 3,250 15.0% $616
$300,000 to $399,999 10,477 51.0% $789

Renters Insurance in Naperville

  • Median Gross Rent in Naperville :  $1,208

  • Renter occupied housing units in Naperville :  11,252

Naperville Renters Insurance as a Percentage of Rent

Naperville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 299 2.0% $1183
$500 to $749 276 2.0% $1858
$750 to $999 1,761 16.0% $2608
$1,000 to $1,499 5,305 48.0% $3733
$1,500 or more 3,118 28.0% $5383

Rent Affordability in Naperville:

Approximately 33.0% (3,736) of households are spending more than 35% of their income on gross rent in Naperville

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,548 13.0%
15.0 to 19.9 percent 2,045 18.0%
20.0 to 24.9 percent 1,707 15.0%
25.0 to 29.9 percent 1,043 9.0%
30.0 to 34.9 percent 1,173 10.0%
35.0 percent or more 3,736 33.0%

Naperville Renters Insurance Discounts:

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

Number of Vehicles in Naperville, IL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,728 50.0% NA
2 vehicles available 3,873 34.0% NA
3 or more vehicles available 650 5.0% NA