Average homeowners insurance cost in Aurora, IL

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.

As per Insure.com’s rate data analysis, 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), It’s $137 more than the national average of $2,582.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Aurora depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Allstate is the cheapest homeowners insurance company in Aurora with an average annual premium of $2,719 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Aurora. Keep reading to learn about the monthly cost of homeowners insurance in Aurora, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Aurora.

Key takeaways

In Aurora, homeowners insurance costs $2,719 annually.
Allstate offers the most affordable homeowners insurance in Aurora with an average annual premium of $1,705.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $554 higher.

Average homeowners insurance cost in Aurora per month

According to Insure.com’s rate analysis, residents of Aurora pay an average of $227 per month for homeowners insurance. This is $27 less than the state average of $254 and $12 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Aurora can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Aurora

In Aurora, IL, 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. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

Average homeowners insurance cost for a $300,000 house in Aurora

According 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 will just 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, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Aurora by company

Among the carriers analyzed, Allstate is the most affordable homeowners insurance company in Aurora, offering an average annual rate of $1,705.

Nationwide ranks second, while State Farm holds the third spot with an average annual rate of $1,897.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Aurora and compiled a list of the most affordable options.

Below are the details of home insurance companies in Aurora and their average annual premiums.

Home Insurance Company	Annual rate
Allstate	$1,705
Nationwide	$1,852
State Farm	$1,897
Farmers	$2,736
Country Financial	$3,079
American Family	$4,177
Travelers	$6,766
Auto-Owners	$1,905
USAA*	$2,121

Methodology

Insure.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.