Waukegan Insurance Rates:

Waukegan, IL home insurance is nearly $638 to $866, about $53-$72/month. Our detailed research shows customers can save upto $300 by comparing different quotes

Compare Quotes from Top Providers and Save now!

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

Waukegan Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Erie Insurance
Home Insurance Rate of $390/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 1860 sqft Rental Property Constructed In 1940 with Ceramic Tile Flooring, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Bath 1960 sqft Seasonal Residence Constructed In 1966 with Wood Flooring, Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, Copper Water Pipes, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $150/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

2 Beds, 2 Bath 1070 sqft Rental Property Constructed In 1941 with Hardwood Flooring, Composition Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Single Female who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $70/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Bath 2310 sqft Rental Property Constructed In 1962 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $380/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Bath 1630 sqft Seasonal Residence Constructed In 1964 with Wood Flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Deadbolt Locks, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Divorced Male who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $210/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 2290 sqft Seasonal Residence Constructed In 1960 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 1310 sqft Primary Residence Constructed In 1986 with Stone Flooring, Tile Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $340/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

5 Beds, 5 Baths 4250 sqft Vacation Property Constructed In 1961 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Smoke Alarm, Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Single Female who has a Part Time Job with household income of $25-50,000 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

  • Guests at home

Home Insurance Rate of $810/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $270,000

5 Beds, 5 Baths 2660 sqft Vacation Property Constructed In 1945 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Swimming Pool, Copper Water Pipes, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $770/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

5 Beds, 5 Baths 3800 sqft Primary Residence Constructed In 1987 with Carpet over wood flooring, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Single 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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $50/1 month for $75,000-$100,000 Coverage
Policy Holder Home Details :

Home Value : $110,000

1 Bed, 1 Bath 1600 sqft Primary Residence Constructed In 1957 with Wood Flooring, Tile Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Waukegan, IL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
60087 $157,400 $770

Waukegan Rates & Quotes Analysis:

Waukegan Area Estimated House Insurance
Foam Forms Pl, W Macarthur Dr, Willow Dr, Washington Park, Noll Dr, Burris Ave, S Orchard Ave, Clubhome Ln, S St James St, Besley Pl$775
Darrow Ln, Lyons Ct, N Gretta Ave, Jensen Ct, W Madison St, Oakland Ave, Robert V Sabonjian Pl, W Bairstow Ave, Comanche Ct, Colbert Rd$753
Kehm Blvd, Indiana Ave, Lenox Ave, Water St, Varonen Ave, Alexander Ct, Mawman St, Nordigan Dr, Spaulding Ave, Sherman Pl$761
Yeoman St, Kemble Ave, E Water St, S Elmwood Ave, Blossom St, Myrtle St, Dunlay Ct, Garden Pl, N Loyola Ave, Harper Ave$750
W Paddock Ave, Apple Ave, Washington Ter, James Ct, Terrace Ave, N Samson Way, Lake Crest Dr, Seneca Rd, W Wall Ave, 16th Pl$773

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,052 Homes (21% of total homes ) built between 1950 to 1959 in Waukegan are paying home insurance between $1,413-$1,424. Places close to Waukegan, IL such as Benton, Wadsworth, Gurnee are more expensive by $41, $189, $118 respectively while Park City and Pleasant Prairie(WI) are cheaper by $104 and $145 respectively for similar homes.
  • Bedrooms: 5,289 1 bedroom homes (16% of total homes ) in Waukegan are paying about $527 compared to Benton (+$15), Gurnee (+$36), Beach Park (+$12), Park City (-$25) and Zion (-$3).
  • Auto Insurance Bundling: 6,799 Households (43% of all households) in Waukegan have 2 vehicles available and when it is bundled with home insurance you can save $150 and differs from Park City ($139), North Chicago ($149), Benton ($154).
  • Senior Discounts: 6,485 seniors (more than 55 years) occupied housing units (41% of total) in Waukegan get discounts between $112 to $115. The comparative concessions in proximate regions such as Park City, North Chicago and Benton are $104, $112 and $116 respectively.
  • New Homes discounts: New homes such as the 10,823 homes built between 2000 to 2009 in Waukegan can save $150 in contrast with Park City ($139), North Chicago ($149), Benton ($154).

Waukegan Homeowners insurance Facts

  • Waukegan, IL has 15,749 owner occupied houses which is 54.3% of all units whereas Park City, North Chicago and Benton have 47.78%, 36.98% and 82.05% respectively.
  • Waukegan, IL homeowners yearly insurance price at $752 is 0.53% of the typical house value of $141,800 which is in contrast with 2.69% in Park City, 0.55% at North Chicago & 0.41% in Benton.
  • Homeowners in Waukegan, IL pay 15.04% of their income (Less than $10,000) in insurance whereas homeowners in Park City, North Chicago and Benton pay 13.94%, 14.98% and 15.48% respectively.
  • Waukegan, IL’s insurance is 3.9% of monthly housing costs of $1,599/month, for owners with a mortgage compared to 4.4% in Park City, 4.05% at North Chicago & 3.45% in Benton. But, for households without a mortgage, insurance is 10.2% of costs ($612 in Waukegan, IL) in contrast with 8.92% in Park City, 10.97% at North Chicago & 8.98% in Benton.

Waukegan, IL Home Values & Insurance rates

For example, insurance for 2,586 Homes (16.0% of total homes ) valued between $100,000 to $124,999 in Waukegan, IL is about $579. Rates in nearby areas in such as Benton, Wadsworth, Gurnee are cheaper by $131, $315, $253 respectively while Park City and North Chicago are costlier by $2,376 and $27 respectively for similar homes.

Waukegan, IL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 948 6.0% $127
$50,000 to $59,999 236 1.0% $278
$60,000 to $69,999 451 2.0% $338
$70,000 to $79,999 438 2.0% $391
$80,000 to $89,999 647 4.0% $443
$90,000 to $99,999 711 4.0% $496
$100,000 to $124,999 2,586 16.0% $579
$125,000 to $149,999 2,768 17.0% $721
$150,000 to $174,999 2,873 18.0% $857
$175,000 to $199,999 1,517 9.0% $992
$200,000 to $249,999 1,493 9.0% $1195
$250,000 to $299,999 535 3.0% $1458
$300,000 to $399,999 289 1.0% $1849

Renters Insurance in Waukegan

  • Average Renters Insurance in Waukegan :  $174($14/month)

  • Median Gross Rent in Waukegan :  $813

  • Waukegan Renters Insurance to Median Rent Ratio:  1.72%

  • Renter occupied housing units in Waukegan :  13,248

Waukegan Renters Insurance as a Percentage of Rent

Waukegan Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 673 5.0% $343
$200 to $299 435 3.0% $793
$300 to $499 556 4.0% $1243
$500 to $749 3,435 26.0% $1918
$750 to $999 4,620 35.0% $2668
$1,000 to $1,499 2,590 20.0% $3793
$1,500 or more 633 4.0% $5443

Rent Affordability in Waukegan:

Approximately 45.0% (6,042) of households are spending more than 35% of their income on gross rent in Waukegan

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,153 8.0%
15.0 to 19.9 percent 1,198 9.0%
20.0 to 24.9 percent 1,523 11.0%
25.0 to 29.9 percent 1,957 14.0%
30.0 to 34.9 percent 1,375 10.0%
35.0 percent or more 6,042 45.0%

Protective device discount in Waukegan Up to :  $26

Claims-free discount in Waukegan Up to :  $34