Portage Insurance Rates:

Portage, IN home insurance is nearly $672 to $910, about $56-$75/month. Our in depth analysis shows customers can save as much as $316 by comparing multiple quotes

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Portage Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $560/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

5 Beds, 5 Baths 2690 sqft Seasonal Residence Constructed In 1945 with Ceramic Tile Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Single Male who is Retired and has 3 Pets and is a Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $300/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

4 Beds, 4 Bath 1820 sqft Rental Property Constructed In 1953 with Carpet Flooring, Shingles Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $200/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Bath 2200 sqft Seasonal Residence Constructed In 1940 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 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 :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

Home Insurance Rate of $60/3 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $80,000

3 Beds, 3 Bath 1310 sqft Primary Residence Constructed In 1942 with Stone Flooring, Shingles Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $410/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

5 Beds, 5 Bath 3090 sqft Rental Property Constructed In 1941 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Married Female 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 :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $840/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $180,000

5 Beds, 5 Baths 2610 sqft Seasonal Residence Constructed In 1969 with Stone Flooring, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has No Pets 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 $240/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

5 Beds, 5 Baths 3920 sqft Vacation Property Constructed In 1961 with Linoleum, Metal Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $280/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $160,000

5 Beds, 5 Baths 2780 sqft Seasonal Residence Constructed In 1943 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Divorced Female who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $320/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

5 Beds, 5 Baths 2800 sqft Rental Property Constructed In 1955 with Carpet Flooring, Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $110/2 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 1036 sqft Rental Property Constructed In 1953 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Portage, IN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
46368 $138,900 $830

Portage Rates & Quotes Analysis:

Portage Area Estimated House Insurance
Kendall St, W Acacia Pl, Raven Hill Dr, Oakcrest Dr, Whippoorwill Dr, Dover Dr, Cavanaugh Dr, W Cherry Pointe Dr, E Locust Grove, Rue du Lac West Dr$833
Erskine Blvd, W Victoria St, Grandview Ave, Pecan Rd, Main Ave, Hudson Ave, Benedict Ave, S Esther St, Clemens Dr, W Wayne St$820
Kendall St, Caroline St, Miller Rd, N Falcon St, Clemens St, Lawndale Ave, S Sunnyside Ave, Edgewater Dr, White Pine Dr, Arabian Ct$798
Rue Mallarme St, Windfall Ct, E Altgeld St, S Kentucky St, Turnock St, Gerencser Dr, Rose Quartz Ln, Dennis Dr, S Lake St, Rye Ct$837
Allerton Dr, W Dean St, N Sommers St, S 36th St, Country Club Ln, N Edison Ave, Belleville Cir, Kenmore Dr, Moss St, W Chippewa Ave$791
Trappers Pass, Pecan Rd, Boynton Ave, Drexel Ave, Hydraulic Ave, S 34th St, W Tasher St, S Scott St, Teton Ct, W Madison St$797
Goodhew Dr, Weymouth Ct, Dundee St, Portage Rd, Reynolds St, Baley Ct, Florence Ave, Windyridge Dr, Fremont St, Kent Ln$777
Crescent Cir, Rockne Dr, Ash Ln, Milton St, Concord Ave, S 29th St, Vernon Dr, Saint Vincent St, W North Shore Dr, Nash Ave$777
Hunter Run Cir, Kerslake Ct, N Esther St, Westview Ln, Hollywood Blvd, Locust Bend, New Energy Dr, N Harvest Pointe Dr, E Dean St, Larne Dr$837
Rupel St, Greenbrook Dr, Tonti St, Mina St, Montgolfier Pl, Prast Blvd, S St Louis Blvd, Janice Bell Ct, Saint Johns Way, Pintail Dr$788

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,163 Homes (25% of total homes ) built between 1950 to 1959 in Portage are paying home insurance between $1,486-$1,498. Places close to Portage, IN such as St. Joseph County, Indian Village, German are more expensive by $45, $69, $79 respectively while Bertrand(MI) and Milton(MI) are cheaper by $19 and $36 respectively for similar homes.
  • Bedrooms: 13,377 2 bedrooms homes (33% of total homes ) in Portage are paying about $736. Areas near to Portage such as South Bend, St. Joseph County, Indian Village are costlier by $4, $14, $25 respectively whereas Buchanan(MI) and Niles(MI) are more economical by $28, $36 respectively for similar homes.
  • Auto Insurance Bundling: 8,069 Households (37% of all households) in Portage have 2 vehicles available and when it is bundled with home insurance you can save $158. Discounts for similar bundling in close by locations such as South Bend, Roseland, St. Joseph County come to $159, $158, $163 respectively.
  • Senior Discounts: 10,748 seniors (more than 55 years) occupied housing units (50% of total) in Portage get discounts between $118 to $120. The comparative concessions in proximate regions such as South Bend, Roseland and St. Joseph County are $119, $118 and $122 respectively.
  • New Homes discounts: New homes such as the 13,242 homes built between 2000 to 2009 in Portage can save $158 and similar new home insurance discounts in nearby towns and cities like South Bend, Roseland and St. Joseph County are $159, $158 and $163 respectively.

Portage Homeowners insurance Facts

  • Portage, IN has 21,338 owner occupied houses which is 63.3% of all units whereas South Bend, Notre Dame and Roseland have 60.32%, 0.0% and 78.68% respectively.
  • Portage, IN homeowners yearly insurance price at $791 is 0.98% of the typical house value of $80,600 which is in contrast with 0.92% in South Bend, 0.96% at Roseland & 0.7% in St. Joseph County.
  • Homeowners in Portage, IN pay 1.05% of their income ($75,000 or more) in insurance whereas homeowners in South Bend, Roseland and St. Joseph County pay 1.06%, 1.06% and 1.09% respectively.
  • Portage, IN’s insurance is 7.4% of monthly housing costs of $887/month, for owners with a mortgage compared to 7.1% in South Bend, 7.7% at Roseland & 6.37% in St. Joseph County. But, for households without a mortgage, insurance is 21.0% of costs ($314 in Portage, IN) in contrast with 19.72% in South Bend, 19.38% at Roseland & 19.63% in St. Joseph County.

Portage, IN Home Values & Insurance rates

For example, insurance for 1,980 Homes (9.0% of total homes ) valued between $90,000 to $99,999 in Portage, IN is about $925. Rates in nearby areas in such as South Bend, Roseland, St. Joseph County are cheaper by $59, $21, $265 respectively while Kingsford Heights and Vandalia are costlier by $119 and $673 respectively for similar homes.

Portage, IN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 4,091 19.0% $245
$50,000 to $59,999 2,044 9.0% $514
$60,000 to $69,999 2,239 10.0% $632
$70,000 to $79,999 2,152 10.0% $735
$80,000 to $89,999 2,436 11.0% $830
$90,000 to $99,999 1,980 9.0% $925
$100,000 to $124,999 2,408 11.0% $1075
$125,000 to $149,999 1,442 6.0% $1344
$150,000 to $174,999 1,038 4.0% $1589
$175,000 to $199,999 457 2.0% $1835
$200,000 to $249,999 303 1.0% $2206
$250,000 to $299,999 225 1.0% $2697

Renters Insurance in Portage

  • Average Renters Insurance in Portage :  $252($21/month)

  • Median Gross Rent in Portage :  $719

  • Portage Renters Insurance to Median Rent Ratio:  2.92%

  • Renter occupied housing units in Portage :  12,349

Portage Renters Insurance as a Percentage of Rent

Portage Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 359 3.0% $363
$200 to $299 579 4.0% $813
$300 to $499 1,577 13.0% $1263
$500 to $749 3,800 32.0% $1938
$750 to $999 3,531 30.0% $2688
$1,000 to $1,499 1,500 12.0% $3813
$1,500 or more 260 2.0% $5463

Rent Affordability in Portage:

Approximately 53.0% (6,649) of households are spending more than 35% of their income on gross rent in Portage

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 838 6.0%
15.0 to 19.9 percent 1,225 9.0%
20.0 to 24.9 percent 1,180 9.0%
25.0 to 29.9 percent 1,430 11.0%
30.0 to 34.9 percent 1,027 8.0%
35.0 percent or more 6,649 53.0%

Protective device discount in Portage Up to :  $37

Claims-free discount in Portage Up to :  $50