Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Illinois Average homeowners insurance cost in Illinois Homeowners insurance in Illinois costs $3,044 per year or $254 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in Illinois is $3,044 a year. Continue reading to learn more about homeowners insurance rates in Illinois by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $3,044 a year, based on Insure.com analysis.Of all the ZIP codes in Illinois, 60178 has the most affordable home insurance rates at around $2,589 annually.In Illinois, Allstate provides the most affordable home insurance at an average annual premium of $1,720. Average home insurance cost in Illinois by coverage levelThe average cost of homeowners insurance in Illinois is $3,044 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $3,672 per year for homeowners insurance in Illinois for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Illinois for dwelling coverage of $300,000, $400,000 and $500,000.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 Homeowners insurance companies in Illinois decide rates based on risk. They consider your location, claims history, credit history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in IllinoisBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Illinois based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that Auto-Owners received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreAuto-Owners$2,228A++0.335Country Financial$3,551A+0.264.79Farmers$3,246A0.544.24American Family$5,063A0.374.19Nationwide$2,043A+0.874.03Allstate$1,720A+0.93.98State Farm$2,035A++0.953.9Travelers$7,830A++0.543.44Average homeowners insurance cost by company in IllinoisAllstate provides the most affordable homeowners insurance in Illinois, with an average annual premium of $1,720. State Farm and Nationwide also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in Illinois with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.Company Average annual rate Average monthly rateAllstate$1,720$143State Farm$2,035$170Nationwide$2,043$170Auto-Owners$2,228$186Farmers$3,250$271Country Financial$3,551$296American Family$5,063$422Travelers$8,513$709USAA$2,243$187Illinois homeowners insurance rates by ZIP codeIn Illinois, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in Illinois. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in IllinoisNot every area in Illinois has the same home insurance cost. How much you pay for homeowners insurance in Illinois depends on many factors, including your ZIP code. Our data shows that 60178 ZIP has low-cost home insurance rates in Illinois, at about $2,589 a year or $216 monthly.Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Illinois.ZIP codeAverage annual rateAverage monthly rate60178$2,589$21660115$2,594$21660516$2,606$21760189$2,621$21860126$2,622$21960514$2,626$21960112$2,627$21961704$2,632$21961748$2,637$22060521$2,644$220Most expensive ZIP codes for home insurance rates in IllinoisYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Illinois, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.60644 has the most expensive homeowners insurance rates in Illinois at an average annual cost of $4,665.Below, we’ve highlighted some of the most expensive ZIP codes in Illinois for home insurance:ZIP codeAverage annual rateAverage monthly rate60644$4,665$38960636$4,585$38260621$4,582$38260624$4,544$37960609$4,382$36560637$4,339$36260619$4,284$35760651$4,258$35560628$4,210$35160699$4,173$348Home 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 cityAuroraChicagoJolietNapervilleRockfordHome insurance rate trend in IllinoisWe analyzed home insurance rate trends in Illinois and found that homeowners insurance rates experienced an overall increase of 18% or $455, from 2022 to 2023.The following data highlights the changes in homeowners insurance rates since 2019.2019 rates2022 rates2023 rates$1,883$2,589$3,044Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in Illinois.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Illinois Average renters insurance cost in Illinois Average car insurance cost in Illinois Non-owner car insurance in Illinois How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is condo (HO-6) insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? 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