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: June 25, 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 monthThe average cost of renters insurance in Illinois is $20 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$20$2 lessAverage renters insurance cost in Illinois by companyAccording to our data, Nationwide provides the most affordable renters insurance in Illinois, with an average annual rate of $165, followed by State Farm and Allstate.Getting quotes from multiple renters insurance companies in Illinois is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies 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 levelThe average annual cost of renters insurance in Illinois is $246, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $188 a year for renters insurance in Illinois. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows 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 differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Illinois.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 codeRenters insurance costs in Illinois vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.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 IllinoisYour ZIP code, among other factors, affects how much you pay for renters insurance in Illinois. 60699 is the least affordable ZIP code for Illinois renters at an average cost of $320 a year or $27 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in Illinois. Below are the average annual renters insurance costs by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate60699Chicago$320$2760499South Suburban$304$2560617Chicago$304$25 Final thoughts: Average renters insurance in IllinoisRenters insurance is a must-have for renters in Illinois. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.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. 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Most Americans don’t 1/1 Related Articles $400K home insurance cost calculator By Zack Sigel Cost of living comparison by state By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Cost of living calculator By Nupur Gambhir Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel Hurricane insurance costs in Florida: What you should expect By Sarah Sharkey 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