Average homeowners insurance cost in Joliet, 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 homeowners insurance in Joliet is $2,869 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 $287 more than the national average of $2,582 .

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Joliet depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

To 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 Joliet, home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Joliet.

Key Takeaways

The average cost of homeowners insurance in Joliet is $2,869 per year.
Allstate is the cheapest homeowners insurance company in Joliet with an average annual premium of $1,679 .
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $592 more a year for home insurance.

Average homeowners insurance cost in Joliet per month

Residents of Joliet pay an average of $239 a month for homeowners insurance. It’s $15 less than the state average of $254 and $24 more than the national average for home insurance across the nation.

The cost of your homeowners insurance policy in Joliet may change based on location, property value, and selected coverage options.

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

The average cost of homeowners insurance in Joliet, IL is $2,277 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

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

According to a rate analysis by Insure.com, homeowners in Joliet pay an average of $2,869 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 $592 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 Joliet by company

Among the carriers we analyzed, Allstate is the most affordable homeowners insurance company in Joliet. Its average annual rate for homeowners in Joliet is $1,679 , while Auto-Owners ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Joliet and compiled a list of the most affordable home insurance companies.

Below are details of Joliet home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
Allstate	$1,679
Auto-Owners	$1,894
State Farm	$1,947
Nationwide	$2,255
Farmers	$3,165
American Family	$4,382
Travelers	$6,877
Country Financial	$3,632
USAA*	$2,002

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

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 insurance

Living 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 disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Keep in mind: Standard policies may not cover everything

While 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.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Joliet for $300,000 dwelling coverage, $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?

See rates in your city

Shivani Gite

Contributing 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.