St. Clair Insurance Rates:

St. Clair, MI home insurance is nearly $658 to $897, about $54-$74/month. Our all inclusive analysis reveals consumers can save as much as $311 by getting many quotes

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St. Clair Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $920/7 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $500,000

5 Beds, 5 Baths 4650 sqft Rental Property Constructed In 2012 with Stone Flooring, Metal Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Single Female who has a Part 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

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $240/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Baths 2190 sqft Rental Property Constructed In 2008 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Single Female who has a Full Time Job with household income of $100-$150,000 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 $460/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

4 Beds, 4 Baths 2110 sqft Rental Property Constructed In 1984 with Stone Flooring, Tile Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $500/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $335,000

4 Beds, 4 Baths 3120 sqft Rental Property Constructed In 2006 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $430/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $440,000

5 Beds, 5 Baths 4510 sqft Primary Residence Constructed In 1991 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Fireplace, Indoor Sprinklers, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $670/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Bath 1550 sqft Rental Property Constructed In 2014 with Ceramic Tile Flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Smoker

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

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $210/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Baths 2210 sqft Vacation Property Constructed In 2011 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $610/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Baths 2590 sqft Seasonal Residence Constructed In 2005 with Stone Flooring, Composition Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Divorced Female who is Unemployed and has 2 Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $110/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Bath 1200 sqft Vacation Property Constructed In 2012 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Divorced Male who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $400/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Baths 2840 sqft Primary Residence Constructed In 2003 with Carpet over wood flooring, Composition Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

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

  • 700-749 Credit Score

St. Clair Rates & Quotes Analysis:

St. Clair Area Estimated House Insurance
Rattle Run Rd, E Mill Creek, Neuman Rd, Pug Rd, Golfview Ct, Allington Rd, Davis Rd, Elmer Dr, Pine Ridge Rd, Cuttle Rd$771
Lincoln St, Randswood, Serenity Ln, S Allen Rd, Vine St, S River Rd, S Richman Rd, Mahren Rd, Neuman Rd, Marion$774
Pickford Rd, Jessica Ln, Ulrich Trl, Clinton Ave, Joseph Tamron Dr, Big Hand Rd, Park Ave, Renee Dr, Allington Rd, Hurst Rd$782
Melody Ct, S Bartlett Rd, S Bartlett Rd, Blue River Dr, Preservation Ln, Busha Hwy, V Achatz Dr, Yankee Rd, Ketchum Rd, Hunters Park W$771
Drexler Rd, Birch Rd, Airport Dr, S Isabelle, Stein Rd, Klettner Rd, Hollywood St, Briggeman Rd, Rattle Run Rd, Allen Rd$774

Insurance rates are influenced by a number of factors including:

  • Year Built: 393 Homes (15% of total homes ) built between 1980 to 1989 in St. Clair are paying home insurance between $1,160-$1,172. Places close to St. Clair, MI such as China, Macomb, Bruce are more expensive by $29, $30, $24 respectively while Marysville and Kimball are cheaper by $44 and $53 respectively for similar homes.
  • Bedrooms: 437 4 bedrooms homes (16% of total homes ) in St. Clair are paying about $1,167. Areas near to St. Clair such as China, East China, Macomb are costlier by $28, $6, $30 respectively whereas Marysville and Kimball are more economical by $45, $54 respectively for similar homes.
  • Auto Insurance Bundling: 1,083 Households (47% of all households) in St. Clair have 2 vehicles available and when it is bundled with home insurance you can save $155 and differs from Marysville ($149), Kimball ($148), China ($159).
  • Senior Discounts: 1,232 seniors (more than 55 years) occupied housing units (53% of total) in St. Clair get discounts between $115 to $117. The comparative concessions in proximate regions such as Marysville, Kimball and China are $112, $111 and $119 respectively.
  • New Homes discounts: New homes such as the 1,258 homes built between 2000 to 2009 in St. Clair can save $155 and varies from Marysville ($149), Kimball ($148), China ($159).

St. Clair Homeowners insurance Facts

  • St. Clair, MI has 2,289 owner occupied houses which is 92.4% of all units whereas Marysville, Kimball and China have 80.27%, 84.55% and 93.7% respectively.
  • St. Clair, MI homeowners yearly insurance price at $778 is 0.45% of the typical house value of $174,600 which is in contrast with 0.59% in Marysville, 0.63% at Kimball & 0.39% in China.
  • Homeowners in St. Clair, MI pay 2.83% of their income ($25,000 to $29,999) in insurance whereas homeowners in Marysville, Kimball and China pay 2.72%, 2.7% and 2.9% respectively.
  • St. Clair, MI’s insurance is 4.2% of monthly housing costs of $1,559/month, for owners with a mortgage compared to 4.59% in Marysville, 4.97% at Kimball & 3.79% in China. But, for households without a mortgage, insurance is 13.3% of costs ($486 in St. Clair, MI) in contrast with 12.29% in Marysville, 14.86% at Kimball & 13.31% in China.

St. Clair, MI Home Values & Insurance rates

For example, insurance for 214 Homes (10.0% of total homes ) valued between $125,000 to $149,999 in St. Clair, MI is about $606. Rates in nearby areas in such as China, East China, Riley are cheaper by $80, $20, $20 respectively while Marysville and Kimball are costlier by $194 and $254 respectively for similar homes.

St. Clair, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 107 5.0% $108
$50,000 to $59,999 27 1.0% $233
$70,000 to $79,999 33 1.0% $326
$80,000 to $89,999 67 3.0% $373
$90,000 to $99,999 47 2.0% $420
$100,000 to $124,999 188 8.0% $490
$125,000 to $149,999 214 10.0% $606
$150,000 to $174,999 451 21.0% $723
$175,000 to $199,999 256 12.0% $832
$200,000 to $249,999 286 13.0% $1003
$250,000 to $299,999 239 11.0% $1221
$300,000 to $399,999 177 8.0% $1556

Renters Insurance in St. Clair

  • Average Renters Insurance in St. Clair :  $104($8/month)

  • Median Gross Rent in St. Clair :  $822

  • St. Clair Renters Insurance to Median Rent Ratio:  0.97%

  • Renter occupied housing units in St. Clair :  189

St. Clair Renters Insurance as a Percentage of Rent

St. Clair Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 20 12.0% $1226
$500 to $749 31 19.0% $1901
$750 to $999 92 56.0% $2651
$1,000 to $1,499 20 12.0% $3776

Rent Affordability in St. Clair:

Approximately 23.0% (45) of households are spending more than 35% of their income on gross rent in St. Clair

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 20 10.0%
15.0 to 19.9 percent 47 24.0%
20.0 to 24.9 percent 53 28.0%
30.0 to 34.9 percent 24 12.0%
35.0 percent or more 45 23.0%

St. Clair Renters Insurance Discounts:

St. Clair Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in St. Clair, MI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 84 44.0% $10.4
2 vehicles available 30 15.0% $15.6
3 or more vehicles available 75 39.0% $20.8

St. Clair Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 18 9.0% $82
65 to 74 years 4 2.0% $53
75 years and over 12 6.0% $41

Protective device discount in St. Clair Up to :  $15

Claims-free discount in St. Clair Up to :  $20