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60177 Home Insurance Quotes & Rates
Currently, the 8,356 homes within the 60177 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Illinois is around $1,006 per year for a standard HO-3 homeowners policy. A standard homeowners policy in South Elgin, IL, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 60177.
Illinois is now ranking #30 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 South Elgin home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Illinois has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 60177 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your South Elgin, Illinois home insurance rates today!
Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For South Elgin, IL Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!
60177 Home Insurance Average Premiums
$756 /yr.
Shows Zip Code: 60177 lowest rates with discounts applied on average.
For the 60177, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $756 /yr. |
| Average Coverage: | $1006 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1306 /yr. |
What is the average home insurance cost for a home in 60177?
- • The average homeowners insurance premium paid annually for a home in 60177 is around $1006 per year.
What does it cost on average per month for home insurance in 60177?
- • Homeowners in 60177 pay a monthly average cost per month around $84.00.
What kind of discount could I get if I combine my home and auto insurance together in 60177?
- • Autoowners in 60177 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
You can easily shop and compare home insurance rates within South Elgin, check out other zip codes nearby 60177.
To review average rates in another zip code, click on a zip code below:
60177 |
Home Replacement Cost Coverage in 60177
Average Building Cost Per Square Foot in 60177: $154
Location: South Elgin, Illinois (Kane County)Average Square Footage in 60177: 1,676 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 60177 before you start any project. South Elgin homeowners pay on average around $154 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 60177 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 60177 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,676 sq. ft. and the average cost to rebuild the home in this area is around $154 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the South Elgin area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $154 | 1,676 | $258,100 |
| Additional Upgrades & Added Features | $193 | 1,676 | $322,625 |
| Major Home Updates or Advancements | $231 | 1,676 | $387,150 |
It's important to understand that when you estimate your replacement cost of your home in the 60177 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 60177
Best Home & Auto Insurance Agencies in 60177
Bob Kearns - COUNTRY Financial
Address: 40 South McLean Boulevard South Elgin, IL 60177Phone:
Website: http://www.countryfinancial.com/robert.kearns
Info:
Farmers Insurance
Address: 310 N La Fox St South Elgin, IL 60177Phone:
Website:
Info:
Olech, Robert - Farmers Insurance Group Robert Olech Agency
Address: 888 North La Fox Street #2c South Elgin, IL 60177Phone:
Website: http://www.olechfarmersagency.com/
Info:
Gonzalez- Gina G - State Farm Insurance Agent
Address: 368 Sundown Rd South Elgin, IL 60177Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards
ACE Cash Express
Address: 1145 West Spring Street South Elgin, IL 60177Phone:
Website: http://www.acecashexpress.com/
Info:
Housing Demographics for 60177
Population Review for 60177 Zip Code
For the city of South Elgin, the population within 60177 has increased to over 26,004 residents in population size. The current population total is 24,361. We have broken down the population based on race below. In 60177, there are over 11998 in male population and 12363 females.
| Population | Values |
|---|---|
| Total Population | 24,361 |
| White Population | 16240 |
| Black Population | 880 |
| Hispanic Population | 5081 |
| Asian Population | 2156 |
| Hawaiian Population | 12 |
| Indian Population | 200 |
| Other Population | 2090 |
| Male Population | 11998 |
| Female Population | 12363 |
| Population Estimate | 26004 |
Household Data for 60177
The average number of homes in 60177 is around 8,356, there are an average of 2.89 per household. The average house value according to local real estate values is around $258,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 8,356 |
| Persons Per Household | 2.89 |
| Average House Value | $258,100 |
| Income Per Household | $113304 |
| Median Age | 37.4 |
| Median Age Male | 36.0 |
| Median Age Female | 38.8 |
| 60177 Details | Values |
|---|---|
| State | IL |
| State Full Name | Illinois |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 224/630/847 |
| City | South Elgin |
| City Alias Name | SOUTH ELGIN |
| County | Kane |
| County FIPS | 089 |
| State FIPS | 17 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 1602 |
| PMSA | 1600 |
| CSA | 176 |
| CBSA | 16980 |
| CBSA_DIV | 20994 |
| CBSA_Type | Metro |
| CBSA_Name | Chicago-Naperville-Elgin, IL-IN |
| MSA_Name | Chicago-Gary-Kenosha, IL-IN-WI CMSA |
| PMSA_Name | Chicago, IL PMSA |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 590 |
| Number Of Employees | 7390 |
| Business First Quarter Payroll | 75613 |
| Business Annual Payroll | 354583 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 9461105 |
| CBSA Division Population | 735165 |
| Congressional District | 08 |
| Congressional LandArea | 205.52 |
| Delivery Residential | 8998 |
| Delivery Business | 535 |
| Delivery Total | 9744 |
| Preferred Last Line Key | W14925 |
| Classification Code | |
| Multi-County | |
| CSA Name | Chicago-Naperville, IL-IN-WI |
| CBSA_DIV_Name | Elgin, IL |
| City State Key | W14925 |
| Land Area | 8.880000 |
| Water Area | 0.325000 |
| City Alias Code | |
| City Mixed Case | South Elgin |
| City Alias Mixed Case | South Elgin |
| Box Count | 119 |
| SFDU | 6913 |
| MFDU | 814 |
| State ANSI | 17 |
| County ANSI | 089 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 167350 |
| Unique ZIP Name | |
| SSA State County Code | 14530 |
| Medicare CBSA Code | 20994 |
| Medicare CBSA Name | Elgin, IL |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 3 |
| County Mixed Case | Kane |
Illinois Homeowners Insurance News & Information
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Compare 2026 Homeowners Insurance Rates in Every State Posted on Wednesday 11th February, 2026
Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage. In this article, we compare average homeowners insurance […]
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Texas Homeowners Insurance: 2026 Market Update Posted on Monday 26th January, 2026
Texas homeowners are continuing to face one of the most challenging insurance markets in the country — driven by extreme weather risks, rising repair costs, and shifting insurer participation. Below is the latest overview of what buyers should know and how they can save on coverage. 1. Texas Insurance Market Landscape in 2026 Homeowners insurance […]
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Florida Homeowners Can Cut Insurance Bills —Here’s How, and Which Companies are Worth a Look Posted on Tuesday 11th November, 2025
Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there are concrete, immediate steps homeowners can take to shrink premiums — from simple paperwork to Florida’s “My Safe Florida Home” program — while shopping smarter for companies that combine strong service with […]