Champaign Insurance Rates:

Champaign, IL homeowners insurance is approximately $642 to $871, about $53-$72/month. Our detailed analysis indicates shoppers can save upto $302 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

All State Insurance
All state is critically acclaimed yet, they don't get enough light they deserve. their top of the line customer service should give them a better reputation.
Shelter Insurance
I feel that the price of our deductible is too high for the coverage that the company provides. they need to take off at least $100.
Homesite
Homesite has an excellent customer service call center that is available 24/7 to assist their customers when a need arises.

Champaign, IL Homeowners Insurance By Home Value

Champaign, IL Home Value Total Homes % of Total Average Champaign, IL Homeowners Insurance
Less than $50,000 694 4.0% $120
$50,000 to $59,999 259 1.0% $257
$60,000 to $69,999 178 1.0% $317
$70,000 to $79,999 510 3.0% $370
$80,000 to $89,999 465 3.0% $423
$90,000 to $99,999 789 5.0% $468
$100,000 to $124,999 2,165 14.0% $544
$125,000 to $149,999 2,511 17.0% $680
$150,000 to $174,999 2,342 16.0% $808
$175,000 to $199,999 1,267 8.0% $929
$200,000 to $249,999 1,445 9.0% $1126
$250,000 to $299,999 934 6.0% $1375
$300,000 to $399,999 1,054 7.0% $1746

Top Home Insurance Agents Near Champaign, IL

Home Insurance Company Near Champaign, IL Homeowners Insurance Agency Near Champaign, IL Address
NA C F & H Insurance Agency, Inc. 13 S Main St, Sullivan, IL, 61951
NA Snyder Insurance Agency 2500 Village Green Place, Champaign, IL, 61822
State Farm Chris Booth 1713 S State St Ste 102, Champaign, IL, 61820-7265
Travelers Kemp L Berbaum Insurance Agency 407 N Vermilion Street, Danville, IL, 61832
State Farm Mike Wieland 2102 E Washington St, Bloomington, IL, 61701-4321

Cost Of Homeowners Insurance By Street Near Champaign, IL

Streets in Champaign Area Homeowners Insurance Cost
High View Ct, Arden Dr, Wilbur Ave, Manchester Dr, Hagan St, Coffman Dr, Hackberry Ct, Compton Ave, High Meadow Dr, Lyndhurst Dr$757
Sandra St, Bloomfield Ct, Villa Dr, Roxford Dr, Southwest Dr, W Stoughton St, Sunview Dr, Aztec Pl, E Stoughton St, Seaton Ct$763
Rolling Acres Dr, N State St, Grant St, Worcester Dr, Florence Dr, W Cardinal Rd, Winding Ln, Pebblebrook Ln, Aztec Dr, W Cardinal Rd$761
Stratford Dr, S Locust St, Pittsfield Dr, Co Rd 1975 N, Hamilton Dr, Newton Dr, Co Rd 2100 N, Hampton Ct, Luria Ln, N James St$776
E White St, Summithill Pl, Bluegrass Ln, S New St, Sangamon Dr, Lily Ln, Beslin St, Hadley Dr, Holstrom St, Richards Ln$760
Kent Dr, Harriet St, Firethorn Ln, Eureka St, Burnetta St, South St, W Hazelwood Dr, S Van Doren St, Herbert Rd, S Garfield Ave$742
Sharon Dr, Branch Rd, Prestwick Pt, Red Bud Dr, Quail Run Dr, Campbell Dr, S McKinley Ave, Cobblefield Ct, Co Rd 1850 N, S Locust St$760
N Coler Ave, N 1st St, Garden Ln, Alagna Dr, Chestnut Ct, Fairview Ave, Creston Dr, E Illini Airport Rd, Eisner Rd, Northwood Dr S$721
Brook Ridge Cir, Peabody Dr, Golf Creek Dr, Gertrude Ave, Glenhill Pl, E Columbia Ave, Kimberly Dr, Fox Dr, Mayfair Rd, Farmington Dr$766
N 6th St, Roland Dr, Teal Cove, Henry St, W Town Center Blvd, Misty Cove, Goldenview Dr, Brittany Dr, Willoughby Rd, Riverknoll Dr$742

Champaign, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Champaign$113 to $115
Savoy$117
Cunningham$113
Bondville$110

Champaign, IL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Savoy village, Illinois $117 $156 $234
Cunningham township, Champaign County, Illinois $113 $151 $227
Urbana city, Illinois $113 $151 $227

Champaign, IL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Champaign, IL4.6%11.5%
Savoy4.12%12.6%
Cunningham4.82%11.48%
Urbana4.82%11.48%

Champaign Renters Insurance as a Percentage of Rent

Champaign Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 1,446 8.0% $1241
$500 to $749 5,253 31.0% $1916
$750 to $999 4,262 25.0% $2666
$1,000 to $1,499 3,741 22.0% $3791
$1,500 or more 1,570 9.0% $5441

Champaign, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$7,500
Yearly Champaign Homeowner Insurance Premium Example $2,200$1,200
Out of Pocket Expense During Claim$500$7,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $18,100$17,100
Net Savings to Champaign Home Owner from High Deductible Plan $1,000

Champaign, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Champaign, IL Home Replacement Value MORE than Home Value Champaign, IL Home Replacement Value LESS than Home Value
Replacement Value $180,000 $116,500
Insurance Premium based on Replacement Value $825 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $31,000 Risk Exposure from Under Insuring Coverage is $32,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $150/year

Example Champaign Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateLiberty Mutual
Monthly Premium 6843106
Year Built 196620021997
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $125000-$150000$75000-$100000$250000-$300000
Deductible $500 Deductible$500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Champaign, IL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1960 235,000 Wood Shake Roof 3,120 4 > $10,000 Deductible 320 5 Vinyl siding No
1982 160,000 Membrane Roof 1,630 2 $1000-$2500 Deductible 150 3 Stucco siding yes
2006 135,000 Tile Roof 1,560 3 $1000-$2500 Deductible 390 8 Vinyl siding yes
2014 165,000 Metal Roof 1,980 3 $5000 to $10,000 Deductible 50 1 Fiber-Cement Siding No
2014 225,000 Slate Shingles Roof 2,550 4 $5000 to $10,000 Deductible 530 9 Stone Siding yes
1965 255,000 Metal Roof 3,300 4 $5000 to $10,000 Deductible 200 4 Wood siding yes
1961 120,000 Shingles Roof 1,420 3 $500 Deductible 170 3 Wood siding No
1940 295,000 Slate Shingles Roof 2,820 4 $5000 to $10,000 Deductible 450 10 Wood siding yes
1988 175,000 Tile Roof 1,730 4 $2500-$5000 Deductible 430 8 Brick siding yes
1969 380,000 Tile Roof 4,520 5 $500 Deductible 1610 12 Stone Siding yes
1949 245,000 Metal Roof 2,440 4 > $10,000 Deductible 270 6 Fiber-Cement Siding No
1999 120,000 Wood Shake Roof 1,250 2 $2500-$5000 Deductible 410 9 Stone Siding No
1978 115,000 Membrane Roof 1,230 2 $2500-$5000 Deductible 260 8 Fiber-Cement Siding yes
1997 200,000 Tile Roof 2,080 4 $500 Deductible 300 3 Brick siding yes
1930 80,000 Tile Roof 988 2 $2500-$5000 Deductible 250 7 Vinyl siding No