Home Home insurance Average home insurance cost Illinois Aurora, IL Average homeowners insurance cost in Aurora, Illinois In Aurora, homeowners insurance costs an average of $2,719 a year. 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: September 3, 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. The average cost of homeowners insurance in Aurora is $2,719 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $137 more than the national average of $2,582 .However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Aurora depend on a number of factors, including:Size of your homeAge of your homeAmount of coverage you needLocationYour credit scoreTo make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide for more info on how much homeowners insurance costs per month in Aurora, home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Aurora.Key TakeawaysThe average cost of homeowners insurance in Aurora is $2,719 per year.Allstate is the cheapest homeowners insurance company in Aurora with an average annual premium of $1,705 .If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $554 more a year for home insurance. Average homeowners insurance cost in Aurora per monthResidents of Aurora pay an average of $227 a month for homeowners insurance. It’s $27 less than the state average of $254 and $12 more than the national average for home insurance across the nation.The cost of your homeowners insurance policy in Aurora may change based on location, property value, and selected coverage options.Average homeowners insurance cost for a $200,000 houseIn Aurora, homeowners pay an average of $2,165 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. Keep in mind that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, you should purchase flood insurance.Average homeowners insurance cost for a $300,000 house in AuroraAccording to a rate analysis by Insure.com, homeowners in Aurora pay an average of $2,719 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.If you increase your dwelling coverage from $200,000 to $300,000, you’ll have to pay $554 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.However, the amount of dwelling coverage you need may vary depending on the size of your home, its features, and the cost of living in your area.Average homeowners insurance cost in Aurora by companyAmong the carriers we analyzed, Allstate is the most affordable homeowners insurance company in Aurora. Its average annual rate for homeowners in Aurora is $1,705 , while Nationwide ranks second.Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Aurora and compiled a list of the most affordable home insurance companies.Below are details of Aurora home insurance companies and their average annual premiums.Home Insurance Company Annual rate Allstate$1,705Nationwide$1,852State Farm$1,897Farmers$2,736Country Financial$3,079American Family$4,177Travelers$6,766Auto-Owners$1,905USAA*$2,121*USAA is only available to military community members and their families.Powered by:Combining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company.Natural disasters in Illinois that can impact your home insuranceLiving in Illinois comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.Illinois is commonly affected by Cold wave, Heat wave and Strong wind.How home insurance protects you against natural disastersHome insurance protects your property and belongings from the financial impact of natural disasters. Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if you can’t live in your home. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.While standard policies generally cover damage from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.Keep in mind: Standard policies may not cover everythingWhile homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Aurora for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other cities?ChicagoJolietNapervilleRockfordShivani 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 HO-6 condo 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? 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By Les Masterson Mobile home insurance cost and coverage in 2025 By Chris Kissell On this page Average homeowners insurance cost in Aurora per monthAverage homeowners insurance cost for a $200,000 houseAverage homeowners insurance cost for a $300,000 house in AuroraAverage homeowners insurance cost in Aurora by companyNatural disasters in Illinois that can impact your home insuranceHow home insurance protects you against natural disastersMethodology ZIP Code Please enter valid ZIP See rates (844) 761-9316