insure logo

Why you can trust

quality icon

Quality Verified

At, 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 Naperville is $2,339 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on’s rate data analysis. It’s almost same as the national average of $2,417.

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

  • Size of your home
  • Age of your home
  • Amount of coverage you need
  • 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 to know how much homeowners insurance cost per month in Naperville, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Naperville.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Naperville.

Key takeaways

  • The average cost of homeowners insurance in Naperville is $2,339 per year.
  • Allstate is the cheapest homeowners insurance company in Naperville with an average annual premium of $1,453.
  • If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $450 more a year for home insurance.

Average homeowners insurance cost in Naperville per month

Naperville homeowners pay an average of $195 a month, based on our rate analysis. It’s $21 less than the state average of $216 and almost same as the national average for home insurance across the United States. The price of your homeowners insurance policy in Naperville may vary depending on where you live, the value of your home, and the coverage you choose.

How much is homeowners insurance for a $200,000 house in Naperville

The average cost of homeowners insurance in Naperville, IL is $1,889 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Naperville

According to a rate analysis by, homeowners in Naperville pay an average of $2,339 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 $450 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.

How much is homeowners insurance in Naperville by Company

Among the carriers analyzed, Allstate is the cheapest homeowners insurance company in Naperville. Its average annual rate for Naperville homeowners is $1,453. Auto-Owners ranks second and USAA (Note: USAA offers home insurance only to members of the military, veterans and their immediate families.) makes it to the third spot with an average annual home insurance rate of $1,733.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Naperville and prepared a list of the top ten cheapest home insurance providers. You can find below the Naperville home insurance companies and their average annual premium.

Home Insurance CompanyAnnual rate
State Farm$1,844
Country Financial$2,708
American Family$2,711

Methodology, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Naperville for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment.

How much is home insurance in other cities