Average homeowners insurance cost in Illinois

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Homeowners in Illinois pay an average of $3,044 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. Allstate offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Our data puts the average homeowners insurance cost in Illinois at $3,044 per year.
Of all ZIP codes analyzed in Illinois, 60178 has the lowest average home insurance rates at around $2,589 annually.
On the insurer side, Allstate offers the most affordable average premiums in Illinois, coming in at $1,720 per year.

What is the average cost of homeowners insurance in Illinois?

Homeowners in Illinois pay an average of $3,044 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Illinois? Cost by coverage level

The typical homeowners insurance policy in Illinois runs $3,044 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $3,672 in Illinois.

The table below shows average homeowners insurance costs in Illinois for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$2,406	$200
$200,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$2,423	$202
$300,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$3,044	$254
$300,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$3,062	$255
$400,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$3,672	$306
$400,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$3,693	$308
$600,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$5,108	$426
$600,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$5,135	$428
$1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$7,834	$653
$1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$7,869	$656

Average home insurance cost in Illinois by insurer

The most affordable homeowners insurance in Illinois comes from Allstate, which averages $1,720 per year. State Farm and Nationwide are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Illinois homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Allstate	$1,720	$143
State Farm	$2,035	$170
Nationwide	$2,043	$170
Auto-Owners	$2,228	$186
Farmers	$3,250	$271
Country Financial	$3,551	$296
American Family	$5,063	$422
Travelers	$8,513	$709
USAA*	$2,243	$187

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Illinois.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How does your ZIP code affect home insurance rates in Illinois?

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across Illinois.

Most affordable ZIP codes for home insurance in Illinois

60178 has the lowest average home insurance rates in Illinois, with homeowners paying around $2,589 per year.

Home insurance rates aren’t uniform across Illinois. Your ZIP code, in particular, is one of the biggest reasons prices differ from one area to the next.

Below are average rates for some of the most affordable ZIP codes in Illinois.

ZIP code	Average annual rate	Average monthly rate
60178	$2,589	$216
60115	$2,594	$216
60516	$2,606	$217
60189	$2,621	$218
60126	$2,622	$219
60514	$2,626	$219
60112	$2,627	$219
61704	$2,632	$219
61748	$2,637	$220
60521	$2,644	$220

Most expensive ZIP codes for home insurance in Illinois

60644 carries the highest average home insurance rates in Illinois, at $4,665 per year.

ZIP codes with higher premiums typically reflect a combination of elevated crime, greater natural disaster exposure, and higher local costs of living and construction.

Below are average rates for some of the most expensive ZIP codes in Illinois.

ZIP code	Average annual rate	Average monthly rate
60644	$4,665	$389
60636	$4,585	$382
60621	$4,582	$382
60624	$4,544	$379
60609	$4,382	$365
60637	$4,339	$362
60619	$4,284	$357
60651	$4,258	$355
60628	$4,210	$351
60699	$4,173	$348

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Illinois by city

See rates in your city

What are the best homeowners insurance companies in Illinois?

Based on our data, Auto-Owners stands out as a top choice in Illinois. It earns an AM Best rating of A++ and one of the lowest NAIC complaint scores in the state-a combination that points to both financial stability and customer satisfaction.

To identify the most reliable insurers, we weighed two key metrics:

AM Best Rating, which evaluates a company’s financial strength and its ability to pay out claims.
NAIC Complaint Score, which reflects how many complaints a company receives relative to its size, so a lower score signals fewer problems.

Together, these metrics help you determine an insurer’s financial stability and customer satisfaction. The table below breaks down the best companies in Illinois by average annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Auto-Owners	$2,228	A++	0.33	5
Country Financial	$3,551	A+	0.26	4.79
Farmers	$3,246	A	0.54	4.24
American Family	$5,063	A	0.37	4.19
Nationwide	$2,043	A+	0.87	4.03
Allstate	$1,720	A+	0.9	3.98
State Farm	$2,035	A++	0.95	3.9
Travelers	$7,830	A++	0.54	3.44

How to understand insurer ratings and complaint data

A good insurer answers two questions well: Can it pay your claim, and does it keep its customers happy? Independent rating agencies measure both, giving you an evidence-based way to compare your options.

The two ratings referenced here:

AM Best, which assesses an insurer’s financial strength and capacity to pay claims. Higher ratings indicate greater financial stability.
NAIC Complaint Index, compiled by the National Association of Insurance Commissioners from consumer complaint data. The baseline is 1.00 – a lower score means fewer complaints than expected for the insurer’s size, and a higher score means more.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and methodology

Source

S&P Global. US homeowners insurance rates jump by double digits in 2023. Accessed June 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 20,739,560 quotes from 82 national and regional insurers across 34,588 ZIP codes.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

Company rankings factor in average annual cost, NAIC score, and AM Best rating. All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.