Average homeowners insurance cost in Illinois

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.

The average cost of home insurance in Illinois is $2,630 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. Auto-Owners stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Both avoid asserting anything about financial ratings, claims service, or stability – they stay anchored to price, which is the one thing you know for sure.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Homeowners insurance costs an average of $2,630 a year, based on our data.
Of all the ZIP codes in Illinois, 60477 has the most affordable home insurance rates at around $2,073 annually.
In Illinois, Auto-Owners provides the most affordable home insurance at an average annual premium of $1,015.

What is the average cost of homeowners insurance in Illinois?

The average homeowners insurance premium in Illinois is $2,630 per year. That figure is based on 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 $2,630 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 $3,213 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 $200,000 Liability and None Hurricane	$2,039	$170
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,050	$171
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,630	$219
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,643	$220
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$3,213	$268
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$3,230	$269
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$4,491	$374
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$4,508	$376
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$6,331	$528
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$6,346	$529

Average home insurance cost in Illinois by insurer

Auto-Owners has the lowest average homeowners insurance premiums in Illinois at $1,015 per year. Allstate and State Farm also offer competitive rates worth comparing.

Taking the time to shop around can save you a significant amount each year.

The table below shows average annual and monthly rates from insurers in Illinois, based on $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Auto-Owners	$1,015	$85
Allstate	$1,431	$119
State Farm	$2,195	$183
Travelers	$2,463	$205
Farmers	$3,302	$275
Country Financial	$4,423	$369
American Family	$8,480	$707
USAA*	$2,293	$191

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

How to lower your home insurance rate

Shop around. Don’t settle for the first quote. Compare rates from at least three to four insurers to find the best deal in Illinois.
Bundle your policies. Adding home and auto (or renters and auto) to the same provider often unlocks significant multi-policy discounts.
Ask about smart home discounts. Installing security systems, smoke detectors, or water leak sensors can reduce your premium.
Check for other savings. Ask about loyalty discounts, claims-free rewards, or upgrades like fire-resistant roofing.

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

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in Illinois

Most affordable ZIP codes for home insurance in Illinois

60477 has the lowest average home insurance rates in Illinois, with homeowners paying around $2,073 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
60477	$2,073	$173
60555	$2,104	$175
60445	$2,111	$176
60534	$2,125	$177
60112	$2,126	$177
60115	$2,134	$178
60178	$2,143	$179
60558	$2,144	$179
61790	$2,147	$179
61752	$2,153	$179

Most expensive ZIP codes for home insurance in Illinois

60621 carries the highest average home insurance rates in Illinois, at $4,148 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
60621	$4,148	$346
60644	$4,083	$340
60636	$4,027	$336
60637	$3,957	$330
60609	$3,955	$330
60624	$3,906	$325
62206	$3,840	$320
62205	$3,837	$320
60619	$3,833	$319
62201	$3,824	$319

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

How have home insurance rates changed in Illinois?

Home insurance rates in Illinois decrease by 6% from 2023 to 2025. This reflects broader trends in the state’s insurance market over the past few years.

The below data shows how much homeowners insurance rates have changed since 2022.

2022 rates	2023 rates	2025 rates
$2,263	$2,791	$2,630

What are the best homeowners insurance companies in Illinois?

Based on our data, Auto-Owners stands out as the top choice in Illinois. It earns an AM Best rating of A+ and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in Illinois by annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
Auto-Owners	$1,015	A+	0.39	4.79
Allstate	$1,431	A+	1.26	4.69
Travelers	$2,463	A++	0.91	4.67
State Farm	$2,195	A+	1.15	4.6
Farmers	$3,302	A	0.89	4.36
Country Financial	$4,423	A+	0.23	4.34
American Family	$8,480	A	1.07	3.65
USAA*	$2,293	A++	0.46	4.72

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

How to understand insurer ratings and complaint data

Picking an insurer really comes down to whether they pay when you file a claim, and whether they treat you well along the way. You don’t have to guess – independent rating agencies track this data so you can choose with confidence, whether you’re signing up or renewing.

These are the two ratings we’ve used:

AM Best is a global agency that scores insurers on their financial strength and ability to pay claims. The higher the rating, the more stable the company.
NAIC Complaint Index, run by the National Association of Insurance Commissioners, tracks consumer complaints. A score of 1.00 is the industry average; below 1.00 means fewer complaints than expected for the company’s size, and above 1.00 means more.

What factors affect your home insurance rate?

Home insurance rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and Methodology

Sources:

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

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

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

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

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.