Wheeling Insurance Rates:

Wheeling, IL home insurance is approximately $702 to $953, about $58-$79/month. Our all inclusive guide indicates shoppers can save upto $330 by comparing multiple quotes

Compare Quotes from Top Providers and Save now!

Research about Wheeling Home Insurance Rates, Quotes, Reviews, Agents, Coverage & other ways to save money in Illinois. Compare quotes & save.

Wheeling Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $70/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $230,000

2 Beds, 2 Bath 1730 sqft Primary Residence Constructed In 1991 with Carpet Flooring, Tile Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $3560/12 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $630,000

5 Beds, 5 Baths 4630 sqft Seasonal Residence Constructed In 1991 with Wood Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Copper Water Pipes, Fire Extinguisher, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1110/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $415,000

5 Beds, 5 Baths 2520 sqft Primary Residence Constructed In 1961 with Carpet Flooring, Metal Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $240/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

2 Beds, 2 Bath 1340 sqft Primary Residence Constructed In 1997 with Hardwood Flooring, Composition Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Married Female who is a Freelancer with household income of more than $150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $570/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $315,000

4 Beds, 4 Baths 1990 sqft Primary Residence Constructed In 1976 with Carpet Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $330/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Baths 1290 sqft Vacation Property Constructed In 1982 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $340/5 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $115,000

1 Bed, 1 Bath 900 sqft Rental Property Constructed In 1985 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Married Female who is Unemployed and has 1 Pet and is a Non-Smoker

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

  • 550-599 Credit Score

  • Guests at home

Wheeling, IL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
60090 $211,300 $800

Wheeling Rates & Quotes Analysis:

Wheeling Area Estimated House Insurance
E Valley Ln, E Highland Ave, Morrison Ave, N Spruce Ter, Hawthorn Rd, Allen Ln, E Elderberry Dr, Dun-Lo Dr, W Hawthorne St, Orange Ct$844
S Windsor Dr, N Somerset Ln, S Arthur Ave, Dun-Lo Ave, Essex St, Valley Stream Dr, Salem Walk, W Miner St, Picadilly Ct, S Evanston Ave$822
N Race Ave, N Lake Shore Cir, W Heather Ln, E Aztec Ln, Fairfield Ct, S School Ln, French Way, Carlyle Ct, N Luther Ln, Arrowwood Ln$837
N Hemlock Ln, N Stevenson Ln, Avalon Ct, W Whitehall Dr, E Grove St, Tilbury Ln, E Jennifer Ct, Hansom Dr, Wilshire Ln, Albert Ter$749
N Picadilly Cir, Mohawk Trl, W Brown St, Anne Ct, Brougham Dr, Minnaqua Dr, S Donald Ave, Sycamore Rd, Winesap Ct, Shannon Dr$822
E Brandenberry Ct, Hapsfield Ln, W Wing St, Wildwood Dr S, Leon Ln, N Claremont Dr, E Lillian Ave, Ely Ct, Garden Ct, Harmony Dr$861
Queens Ct, Clarendon Ct, Stanton Ct N, Coldren Dr, Valley Stream Dr, N Albert St, Sauk Ln, N Old Buffalo Grove Rd, E Appletree Ln, W Willow Rd$783
E Waverly Ln, Portwine Rd, N Phelps Ave, Russel St, Newport Ct, Derbyshire Ct, N Williamsburg St, Pearwinkle Way, Lehigh Ln, Piper Ln$844
Tree Ln, W Shure Dr, Sanborn Dr, Mohawk Ln, Stonegate Manor, W Raleigh Ct, W Park Pl, E Cardinal Ln, Radford Ct, W Partridge Ln$844
Avon Ct, W Mueller St, N Peartree Ln, Russell St, W Beechwood Ct, E Hackberry Ln, Commanche Trl, S Gibbons Ave, N Oak Wood Dr, Blue Jay Ct$886

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,129 Homes (17% of total) built between 1980 to 1989 in Wheeling are paying home insurance between $1,234-$1,246 compared to Arlington Heights (+$31), Mount Prospect (+$11), Buffalo Grove (+$10), Prospect Heights (-$10) and Rolling Meadows (-$31).
  • Bedrooms: 17,606 2 bedrooms homes (28% of total homes ) in Wheeling are paying about $596. Areas near to Wheeling such as Arlington Heights, Mount Prospect, Buffalo Grove are costlier by $15, $6, $5 respectively whereas Prospect Heights and Rolling Meadows are more economical by $5, $15 respectively for similar homes.
  • Auto Insurance Bundling: 8,848 Households (19% of all households) in Wheeling have 3 or more vehicles available and when it is bundled with home insurance you can save $206. Discounts for similar bundling in close by locations such as Prospect Heights, Arlington Heights, Mount Prospect come to $205, $212, $208 respectively.
  • Senior Discounts: 22,814 seniors (more than 55 years) occupied housing units (49% of total) in Wheeling get discounts between $123 to $126. The comparative concessions in proximate regions such as Prospect Heights, Arlington Heights and Mount Prospect are $123, $127 and $125 respectively.
  • New Homes discounts: New homes such as the 17,876 homes built between 2000 to 2009 in Wheeling can save $165 and similar new home insurance discounts in nearby towns and cities like Prospect Heights, Arlington Heights and Mount Prospect are $164, $169 and $167 respectively.

Wheeling Homeowners insurance Facts

  • Wheeling, IL has 46,504 owner occupied houses which is 78.2% of all units whereas Prospect Heights, Arlington Heights and Mount Prospect have 75.47%, 76.89% and 71.92% respectively.
  • Wheeling, IL homeowners yearly insurance price at $827 is 0.28% of the typical house value of $299,300 which is in contrast with 0.29% in Prospect Heights, 0.25% at Arlington Heights & 0.26% in Mount Prospect.
  • Homeowners in Wheeling, IL pay 2.54% of their income ($30,000 to $34,999) in insurance whereas homeowners in Prospect Heights, Arlington Heights and Mount Prospect pay 2.52%, 2.61% and 2.57% respectively.
  • Wheeling, IL’s insurance is 3.3% of monthly housing costs of $2,074/month, for owners with a mortgage compared to 3.82% in Prospect Heights, 3.18% at Arlington Heights & 3.17% in Mount Prospect. But, for households without a mortgage, insurance is 9.1% of costs ($756 in Wheeling, IL) in contrast with 8.77% in Prospect Heights, 8.98% at Arlington Heights & 9.2% in Mount Prospect.

Wheeling, IL Home Values & Insurance rates

For example, insurance for 1,824 Homes (5.0% of total homes ) valued between $100,000 to $124,999 in Wheeling, IL is about $297. Rates in nearby areas in such as Arlington Heights, Mount Prospect, Buffalo Grove are cheaper by $26, $14, $14 respectively while Prospect Heights and Rolling Meadows are costlier by $14 and $49 respectively for similar homes.

Wheeling, IL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,187 3.0% $66
$60,000 to $69,999 353 1.0% $173
$80,000 to $89,999 725 2.0% $231
$90,000 to $99,999 503 1.0% $256
$100,000 to $124,999 1,824 5.0% $297
$125,000 to $149,999 1,882 5.0% $372
$150,000 to $174,999 2,550 7.0% $446
$175,000 to $199,999 2,261 6.0% $512
$200,000 to $249,999 5,593 15.0% $620
$250,000 to $299,999 5,863 16.0% $760
$300,000 to $399,999 11,819 33.0% $959

Renters Insurance in Wheeling

  • Average Renters Insurance in Wheeling :  $19($1/month)

  • Median Gross Rent in Wheeling :  $1,039

  • Wheeling Renters Insurance to Median Rent Ratio:  0.1%

  • Renter occupied housing units in Wheeling :  12,970

Wheeling Renters Insurance as a Percentage of Rent

Wheeling Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 218 1.0% $304
$200 to $299 269 2.0% $754
$300 to $499 417 3.0% $1204
$500 to $749 623 4.0% $1879
$750 to $999 4,204 33.0% $2629
$1,000 to $1,499 5,087 40.0% $3754
$1,500 or more 1,715 13.0% $5404

Rent Affordability in Wheeling:

Approximately 38.0% (5,029) of households are spending more than 35% of their income on gross rent in Wheeling

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,633 12.0%
15.0 to 19.9 percent 1,826 14.0%
20.0 to 24.9 percent 1,618 12.0%
25.0 to 29.9 percent 1,666 12.0%
30.0 to 34.9 percent 1,198 9.0%
35.0 percent or more 5,029 38.0%

Wheeling Renters Insurance Discounts:

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

Number of Vehicles in Wheeling, IL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 6,585 50.0% $1.9
2 vehicles available 4,025 31.0% $2.85
3 or more vehicles available 634 4.0% $3.8

Wheeling Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 616 4.0% $103
60 to 64 years 582 4.0% $83
65 to 74 years 1,029 7.0% $67
75 years and over 1,173 9.0% $51

Protective device discount in Wheeling Up to :  $2

Claims-free discount in Wheeling Up to :  $3