Homeowner Insurance Costs in Champaign County, IL

How much does homeowner insurance cost in Champaign County? Here's what to expect.

Est. Annual Premium

$1,059

Monthly Cost

$88

Median Home Value

$192,600

% of Income

1.7%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$192,600
Personal Property (C)$96,300
Liability (E)$300,000
Deductible$1,926

Cost Context

Homeownership Rate53.5%
Median Income$61,090
Property Tax Rate2.1%
Population206,525

About Insurance in Champaign County

Homeowner insurance in Champaign County, Illinois costs an estimated $1,059 per year for a median-value home of $192,600. This represents approximately 1.7% of the median household income of $61,090.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in Illinois

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.