Warren Insurance Rates:

Warren, MI home insurance is about $621 to $841, about $51-$70/month. Our extensive research shows customers can save upto $292 by getting many quotes

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Warren Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $410/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Baths 2870 sqft Seasonal Residence Constructed In 1976 with Ceramic Tile Flooring, Composition Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $500/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 2360 sqft Rental Property Constructed In 1975 with Stone Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Single Male who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $440/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $305,000

5 Beds, 5 Baths 4090 sqft Primary Residence Constructed In 1984 with Wood Flooring, Composition Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

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

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $50/1 month for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Baths 1217 sqft Primary Residence Constructed In 1979 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Warren, MI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
48091 $76,600 $720
48089 $75,000 $720
48092 $120,900 $750
48093 $112,700 $750

Warren Rates & Quotes Analysis:

Warren Area Estimated House Insurance
Buster Dr, Sherman Ave, la Grande Plz, Tecla Dr, Girard Dr, Coventry Pl, Hawaii St, Forterra Dr, Charles Dr, Dodge Ave$738
Ehlert Ave, Dennis Ln, Lawson Ave, Paige Ave, Cunningham Dr, Rubin Rd, Waltz Ave, Trailwood Dr, Shelley Dr, Aspen Dr$710
Sylvan Dr, Menge Ave, Villa Pointe Dr, Mac St, Sankuer Dr, Blancke Dr, Raphael Ter, la Chene Ave, Matilda Ct, Riggs Ave$712
Walter Ave, Tefft Dr, Cloie Dr, Hartford Dr, Edna Dr, Derray, Easy St, Alger Ave, Kelly Dr, New Horizon Blvd$752
Jan Dr, Hettenberger Ave, Hillcrest Ave, Sutherland, Cadillac Ave, Green Ct, Timken Ave, Prairie Ln, Michael Ave, Underwood Dr$709
Brander Dr, Walter Ave, Lee St, Memphis Ave, Tecla Dr, Villa Ln, Hollingsworth Ave, Sunset Ave, Julius Ave, Matilda Ave$745
Albert J Dr, N Civic Center Dr, Cloverly Ct, Universal Dr N, Jade Ct, Constitution Blvd, Cosgrove Dr, Wasmund Ave, Zerita St, Garbor Dr$745
Desmond Dr, Norbert Ave, Joliet Ave, Arden Ave, Birch, Castle Ave, Bates Ct, Hanford Ct, Herbert Ave, Tecla Dr$723
Irene Ave, Wick Ave, 7th St, Concept Dr, Winfield Ave, Marian Ave, Dohran Dr, Orr Ave, Masch Ave, Sidonie Ave$740
Ohmer Dr, Rivard Ave, Sunburst Ave, Sylvan Ave, Concord Ave, Ready Ave, Caradonna St, Keller Dr, Dearden Dr, Jackson Ave$726

Insurance rates are influenced by a number of factors including:

  • Year Built: 22,289 Homes (37% of total homes ) built between 1960 to 1969 in Warren are paying home insurance between $1,280-$1,291. Places close to Warren, MI such as Fraser, Sterling Heights, Pleasant Ridge are more expensive by $22, $59, $160 respectively while Center Line and Hazel Park are cheaper by $23 and $40 respectively for similar homes.
  • Bedrooms: 5,850 1 bedroom homes (10% of total homes ) in Warren are paying about $680. Areas near to Warren such as Fraser, Ferndale, Sterling Heights are costlier by $12, $3, $24 respectively whereas Center Line and Madison Heights are more economical by $12, $9 respectively for similar homes.
  • Auto Insurance Bundling: 16,143 Households (40% of all households) in Warren have 2 vehicles available and when it is bundled with home insurance you can save $146 and varies from Center Line ($143), Madison Heights ($145), Hazel Park ($141).
  • Senior Discounts: 19,395 seniors (more than 55 years) occupied housing units (48% of total) in Warren get discounts between $109 to $111 and varies from Center Line ($107), Madison Heights ($109), Hazel Park ($106).
  • New Homes discounts: New homes such as the 19,719 homes built between 2000 to 2009 in Warren can save $146 and varies from Center Line ($143), Madison Heights ($145), Hazel Park ($141).

Warren Homeowners insurance Facts

  • Warren, MI has 39,599 owner occupied houses which is 74.6% of all units whereas Center Line, Madison Heights and Hazel Park have 51.34%, 63.92% and 62.26% respectively.
  • Warren, MI homeowners yearly insurance price at $731 is 0.73% of the typical house value of $99,700 which is in contrast with 0.92% in Center Line, 0.75% at Madison Heights & 1.12% in Hazel Park.
  • Homeowners in Warren, MI pay 1.08% of their income ($60,000 to $74,999) in insurance whereas homeowners in Center Line, Madison Heights and Hazel Park pay 1.06%, 1.08% and 1.05% respectively.
  • Warren, MI’s insurance is 4.9% of monthly housing costs of $1,245/month, for owners with a mortgage compared to 4.96% in Center Line, 4.98% at Madison Heights & 5.51% in Hazel Park. But, for households without a mortgage, insurance is 13.6% of costs ($449 in Warren, MI) in contrast with 12.36% in Center Line, 12.98% at Madison Heights & 14.05% in Hazel Park.

Warren, MI Home Values & Insurance rates

For example, insurance for 3,116 Homes (7.0% of total homes ) valued between $90,000 to $99,999 in Warren, MI is about $694. Rates in nearby areas in such as Fraser, Ferndale, Sterling Heights are cheaper by $114, $27, $228 respectively while Center Line and Madison Heights are costlier by $174 and $20 respectively for similar homes.

Warren, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,960 15.0% $182
$50,000 to $59,999 2,072 5.0% $380
$60,000 to $69,999 2,618 6.0% $475
$70,000 to $79,999 2,484 6.0% $548
$80,000 to $89,999 3,640 9.0% $621
$90,000 to $99,999 3,116 7.0% $694
$100,000 to $124,999 6,878 17.0% $804
$125,000 to $149,999 5,086 12.0% $1001
$150,000 to $174,999 4,829 12.0% $1184
$175,000 to $199,999 1,281 3.0% $1374
$200,000 to $249,999 848 2.0% $1652

Renters Insurance in Warren

  • Average Renters Insurance in Warren :  $229($19/month)

  • Median Gross Rent in Warren :  $797

  • Warren Renters Insurance to Median Rent Ratio:  2.38%

  • Average household size of renter-occupied unit :  2.46

Warren Renters Insurance as a Percentage of Rent

Warren Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 163 1.0% $357
$200 to $299 197 1.0% $807
$300 to $499 709 5.0% $1257
$500 to $749 4,371 33.0% $1932
$750 to $999 4,116 31.0% $2682
$1,000 to $1,499 2,792 21.0% $3807
$1,500 or more 528 4.0% $5457

Rent Affordability in Warren:

Approximately 51.0% (7,010) of households are spending more than 35% of their income on gross rent in Warren

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 966 7.0%
15.0 to 19.9 percent 1,620 11.0%
20.0 to 24.9 percent 1,804 13.0%
25.0 to 29.9 percent 1,408 10.0%
30.0 to 34.9 percent 701 5.0%
35.0 percent or more 7,010 51.0%

Warren Renters Insurance Discounts:

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

Number of Vehicles in Warren, MI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,507 55.0% $22.9
2 vehicles available 2,589 19.0% $34.35
3 or more vehicles available 776 5.0% $45.8

Warren Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 942 6.0% $79
60 to 64 years 666 4.0% $63
65 to 74 years 892 6.0% $51
75 years and over 957 7.0% $39

Protective device discount in Warren Up to :  $34

Claims-free discount in Warren Up to :  $45