62301 Home Insurance Rates & Premiums

Did you know there are over 31,481 people living within the 62301 zip code area? There are over 13,627 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

1. We will shop up to 12 home insurance companies for free.
2. We will apply all discounts and credits to help you save up to 40% or more.
3. We will answer any questions that you may.
4. We will review the best policy and coverage option in 62301.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Illinois are on the rise. The estimated average premium is around $982 a year for a standard homeowners insurance policy in Quincy. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Quincy, IL Homeowners Insurance Quotes Online

Average Building Cost Per Square Foot in 62301: $154

Average Square Footage in 62301: 689 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 62301 before you start any project. Quincy 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 62301 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 62301 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 689 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 Quincy 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.

It's important to understand that when you estimate your replacement cost of your home in the 62301 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.

American Family Insurance Jerry Poore - Agents- Poore Jerry

Benner- Christopher L - State Farm Insurance Agent

Constable- Julie G

Jacobson- Bruce J - State Farm Insurance Agent

Dozier Insurance Agency

Household Data for 62301

The average number of homes in 62301 is around 13,627, there are an average of 2.21 per household. The average house value according to local real estate values is around $106,100. Please review the following demographics below for average income and media age.

• Coastal Texas Home Insurance Rates Posted on Wednesday 25th February, 2026

  If you own a home along the Texas coastline, understanding Coastal Texas home insurance rates is critical to protecting both your property and your financial future. As a professional home insurance agent, I always explain to coastal homeowners that insuring a home near the Gulf comes with unique risks — especially from hurricanes, tropical storms, […]

• 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 […]

• 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 […]