Home Renters insurance Renters insurance cost Average renters insurance cost in Illinois Average renters insurance cost in Illinois Discover the average cost of renters insurance in Illinois and how factors like location and coverage levels can impact your rate. 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: January 16, 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. In Illinois, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $246 annually or $20 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. Key Takeaways The average cost of renters insurance in Illinois is $246 per year or $20 per month.Nationwide provides the least expensive renters insurance in Illinois at an average rate of $165 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Illinois. Average renters insurance cost in Illinois per monthIn Illinois, the average cost of renters insurance is $20 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.Average renters ins cost per monthDifference compared to national average$20$2 lessAverage renters insurance cost in Illinois by companyRenters in Illinois can find the most budget-friendly insurance with Nationwide, which has an average annual cost of $165, according to our data. Other affordable options include State Farm and Allstate.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in Illinois.CompanyAverage annual rateAverage monthly rateNationwide$165$14State Farm$169$14Allstate$197$16Auto-Owners$204$17Farmers$311$26American Family$321$27Country Financial$336$28Travelers$491$41USAA$189$16 Renters insurance calculator in Illinois Select your state Illinois Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $227/year Estimated renters insurance rates in Illinois $19 Monthly renters insurance cost in Illinois -8% Compared to national average Get quotes Average cost of renters insurance in Illinois by coverage levelOn average, Illinois renters pay $246 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Illinois to $188 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Illinois for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$185$15$20,000 with $500 Deductible and $300,000 Liability$202$17$20,000 with $1,000 Deductible and $100,000 Liability$170$14$20,000 with $1,000 Deductible and $300,000 Liability$188$16$40,000 with $500 Deductible and $100,000 Liability$246$21$40,000 with $500 Deductible and $300,000 Liability$265$22$40,000 with $1,000 Deductible and $100,000 Liability$227$19$40,000 with $1,000 Deductible and $300,000 Liability$246$20$60,000 with $500 Deductible and $100,000 Liability$303$25$60,000 with $500 Deductible and $300,000 Liability$323$27$60,000 with $1,000 Deductible and $100,000 Liability$279$23$60,000 with $1,000 Deductible and $300,000 Liability$300$25Average cost of renters insurance in Illinois by cityRenters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Illinois and find the best fit for your budget.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Illinois by cityAuroraChicagoJolietNapervilleRockfordAverage cost of renters insurance in Illinois by ZIP codeThe cost of renters insurance in Illinois varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Illinois.Most affordable ZIP codes for renters insurance in IllinoisHow much Illinois renters pay for insurance depends on the ZIP code they live in. 61258 is the most affordable ZIP code for renters insurance in Illinois among all the ZIP codes analyzed, at $223 a year on average.Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in Illinois.ZIP codeCityAverage annual rateAverage monthly rate61258Hooppole$223$1962313Basco$224$1962374Tennessee$224$1961425Carman$224$1961435Gerlaw$224$1961419Bishop Hill$224$1960110Carpentersville$225$1960136Gilberts$225$1960174St. Charles$225$1960118East Dundee$225$19 Least affordable ZIP codes for renters insurance in IllinoisAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Illinois is 60699, with an average cost of $320 a year or $27 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Illinois. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate60699Chicago$320$2760499South Suburban$304$2560617Chicago$304$25Final thoughts: Average renters insurance in IllinoisRenters insurance is essential for residents of Illinois. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Illinois Average homeowners insurance cost in Illinois Average car insurance cost in Illinois Non-owner car insurance in Illinois Shivani 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? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel $400K home insurance cost calculator By Zack Sigel Hurricane insurance costs in Florida: What you should expect By Sarah Sharkey Cost of living calculator By Nupur Gambhir Does homeowners insurance cover a total loss to your house? By Nupur Gambhir State Farm home and auto bundle insurance in 2025 By Jessica Olson On this page Average renters insurance cost in Illinois per monthAverage renters insurance cost in Illinois by companyAverage cost of renters insurance in Illinois by coverage levelAverage cost of renters insurance in Illinois by cityAverage cost of renters insurance in Illinois by ZIP codeFinal thoughts: Average renters insurance in Illinois ZIP Code Please enter valid ZIP See rates (844)-761-9316