Riverside Insurance Rates:

Riverside, IL home insurance is roughly $701 to $963, about $58-$80/month. Our detailed research shows customers can save upto $332 by getting many quotes

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Riverside Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $1420/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $310,000

3 Beds, 3 Baths 1910 sqft Seasonal Residence Constructed In 1945 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $680/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $405,000

4 Beds, 4 Baths 2970 sqft Rental Property Constructed In 1975 with Ceramic Tile Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1260/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

4 Beds, 4 Bath 2170 sqft Seasonal Residence Constructed In 1958 with Stone Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Central Air Conditioning, Fireplace, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Married Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $680/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

2 Beds, 2 Bath 1010 sqft Primary Residence Constructed In 1965 with Carpet Flooring, Membrane Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Fireplace, Deadbolt Locks, Indoor Sprinklers, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $480/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $275,000

2 Beds, 2 Bath 1750 sqft Vacation Property Constructed In 1976 with Carpet over wood flooring, Tile Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Married Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $600/3 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $670,000

5 Beds, 5 Baths 4590 sqft Seasonal Residence Constructed In 1960 with Carpet Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 500-549 Credit Score

Home Insurance Rate of $1450/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $430,000

3 Beds, 3 Baths 2270 sqft Seasonal Residence Constructed In 1942 with Stone Flooring, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1150/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $490,000

5 Beds, 5 Baths 3550 sqft Vacation Property Constructed In 1963 with Stone Flooring, Tile Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Married Male who is Unemployed and has No Pets and is a Non-Smoker

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

  • 750-799 Credit Score

Riverside Rates & Quotes Analysis:

Riverside Area Estimated House Insurance
Olmstead Rd, Harris Rd, York Rd, Powell Ave, N Delaplaine Rd, Lionel Rd, Blackhawk Rd, N Cowley Rd, Groveland Ave, Rosemear Ave$903
Longcommon Rd, Burling Rd, E Parkway Rd, W Burlington St, Louden Rd, Olmsted Rd, Berkley Rd, Groveland Ave, 29th Ct, Evelyn Rd$891
N Herbert Rd, S Delaplaine Rd, N Longcommon Rd, Lawton Rd, Lindberg Rd, Blythe Rd, Burlington St, Fairbank Rd, Gatesby Rd, Shenstone Rd$902
Greenview Ave, Uvedale Ct, Berkeley Rd, Gladstone Ave, Riverside Ave, McCormick Ave, Hainsworth Ave, Westover Ave, Coonley Rd, Addison Rd$834
Repton Rd, Blackhawk Rd, Uvedale Rd, Riverview Ave, Olmsted Rd, Robinson Ct, Olmstead Rd, Northgate Ave, S Delaplaine Rd, Herrick Rd$849

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,510 Homes (40% of total homes ) built between 1939 or earlier in Riverside are paying home insurance between $1,781-$1,794. Places close to Riverside, IL such as La Grange Park, La Grange, Oak Park are more expensive by $33, $153, $57 respectively while North Riverside and Brookfield are cheaper by $58 and $60 respectively for similar homes.
  • Bedrooms: 1,905 2 bedrooms homes (31% of total homes ) in Riverside are paying about $600 compared to La Grange Park (+$10), La Grange (+$51), Oak Park (+$20), North Riverside (-$19) and Brookfield (-$12).
  • Auto Insurance Bundling: 2,232 Households (47% of all households) in Riverside have 2 vehicles available and when it is bundled with home insurance you can save $166 in contrast with North Riverside ($161), Brookfield ($161), Berwyn ($157).
  • Senior Discounts: 2,407 seniors (more than 55 years) occupied housing units (50% of total) in Riverside get discounts between $123 to $126 compared to North Riverside ($120), Berwyn ($118), Broadview ($115).
  • New Homes discounts: New homes such as the 2,018 homes built between 2000 to 2009 in Riverside can save $166 in contrast with North Riverside ($161), Brookfield ($161), Berwyn ($157).

Riverside Homeowners insurance Facts

  • Riverside, IL has 4,732 owner occupied houses which is 78.4% of all units whereas North Riverside, Brookfield and Berwyn have 71.65%, 76.29% and 60.55% respectively.
  • Riverside, IL homeowners yearly insurance price at $832 is 0.27% of the typical house value of $309,400 which is in contrast with 0.32% in North Riverside, 0.32% at Brookfield & 0.36% in Berwyn.
  • Homeowners in Riverside, IL pay 1.96% of their income ($40,000 to $44,999) in insurance whereas homeowners in North Riverside, Brookfield and Berwyn pay 1.9%, 1.89% and 1.85% respectively.
  • Riverside, IL’s insurance is 3.1% of monthly housing costs of $2,256/month, for owners with a mortgage compared to 3.86% in North Riverside, 3.43% at Brookfield & 3.42% in Berwyn. But, for households without a mortgage, insurance is 10.4% of costs ($665 in Riverside, IL) in contrast with 12.55% in North Riverside, 9.98% at Brookfield & 10.01% in Berwyn.

Riverside, IL Home Values & Insurance rates

For example, insurance for 89 Homes (2.0% of total homes ) valued between $100,000 to $124,999 in Riverside, IL is about $291. Rates in nearby areas in such as La Grange Park, La Grange, Oak Park are cheaper by $20, $84, $42 respectively while Brookfield and Berwyn are costlier by $55 and $102 respectively for similar homes.

Riverside, IL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 76 2.0% $66
$100,000 to $124,999 89 2.0% $291
$125,000 to $149,999 57 1.0% $366
$150,000 to $174,999 286 8.0% $432
$175,000 to $199,999 165 4.0% $499
$200,000 to $249,999 810 24.0% $599
$250,000 to $299,999 777 23.0% $740
$300,000 to $399,999 1,034 31.0% $940

Renters Insurance in Riverside

  • Average Renters Insurance in Riverside :  $8($0/month)

  • Median Gross Rent in Riverside :  $879

  • Renter occupied housing units in Riverside :  1,304

Riverside Renters Insurance as a Percentage of Rent

Riverside Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 71 5.0% $1202
$500 to $749 215 17.0% $1877
$750 to $999 520 42.0% $2627
$1,000 to $1,499 278 22.0% $3752
$1,500 or more 136 11.0% $5402

Rent Affordability in Riverside:

Approximately 39.0% (514) of households are spending more than 35% of their income on gross rent in Riverside

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 218 16.0%
15.0 to 19.9 percent 222 17.0%
20.0 to 24.9 percent 188 14.0%
25.0 to 29.9 percent 63 4.0%
30.0 to 34.9 percent 99 7.0%
35.0 percent or more 514 39.0%

Riverside Renters Insurance Discounts:

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

Number of Vehicles in Riverside, IL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 449 34.0% $0.8
2 vehicles available 460 35.0% $1.2
3 or more vehicles available 46 3.0% $1.6

Riverside Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 52 3.0% $87
60 to 64 years 42 3.0% $70
65 to 74 years 91 6.0% $57
75 years and over 137 10.0% $43

Protective device discount in Riverside Up to :  $1

Claims-free discount in Riverside Up to :  $1