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 GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 9, 2026 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. Renters insurance costs in Illinois vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Illinois is $294 per year or $25 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Illinois is $294 per year or $25 per month.State Farm provides the least expensive renters insurance in Illinois at an average rate of $167 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 monthly cost of renters insurance is $25. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$25$1 morePowered by:Average renters insurance cost in Illinois by companyRenters in Illinois can find the most budget-friendly insurance with State Farm, which has an average annual cost of $167, according to our data. Other affordable options include Allstate and Auto-Owners.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 rateState Farm$167$14Allstate$197$16Auto-Owners$242$20Country Financial$333$28Farmers$367$31American Family$455$38Travelers$630$53USAA*$212$18*USAA is only available to military community members and their families.Powered by: 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 $274/year Estimated renters insurance rates in Illinois $23 Monthly renters insurance cost in Illinois 1% Compared to national average Get quotes Average cost of renters insurance in Illinois by coverage levelOn average, Illinois renters pay $294 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 $220 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$219$18$20,000 with $500 Deductible and $300,000 Liability$238$20$20,000 with $1,000 Deductible and $100,000 Liability$201$17$20,000 with $1,000 Deductible and $300,000 Liability$220$18$40,000 with $500 Deductible and $100,000 Liability$297$25$40,000 with $500 Deductible and $300,000 Liability$317$26$40,000 with $1,000 Deductible and $100,000 Liability$274$23$40,000 with $1,000 Deductible and $300,000 Liability$294$25$60,000 with $500 Deductible and $100,000 Liability$369$31$60,000 with $500 Deductible and $300,000 Liability$391$33$60,000 with $1,000 Deductible and $100,000 Liability$342$28$60,000 with $1,000 Deductible and $300,000 Liability$364$30Powered by:Average 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 in Illinois by citySee rates in your cityAuroraChicagoJolietNapervilleRockfordAverage cost of renters insurance in Illinois by ZIP codeIn Illinois, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in IllinoisIn Illinois, your ZIP code plays a major role in determining your premiums. Based on our data, 60040 is the most affordable ZIP code for renters insurance, with an average annual cost of $272.Comparing quotes from multiple insurers in Illinois is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate60040Highwood$272$2360044Lake Bluff$272$2360048Libertyville$272$2360060Mundelein$272$2360064North Chicago$272$2360061Vernon Hills$272$2360110Carpentersville$273$2360015Deerfield$273$2360123Elgin$273$2360037Fort Sheridan$273$23Powered by:Least affordable ZIP codes for renters insurance in Illinois60699 is the most expensive ZIP code for renters insurance in Illinois, at an average cost of $376 annually or $31 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Illinois. The table below shows the average annual renters insurance rates by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate60699Chicago$376$3160499South Suburban$361$3060418Crestwood$359$3062811Bellmont$352$2962834Emma$352$2962852Keensburg$352$2962861Maunie$352$2962955Karbers Ridge$350$2962965Muddy$350$2962071National Stock Yards$349$29Powered by: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.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.How much is renters insurance in other statesAlaska$269/YearAlabama$390/YearArkansas$406/YearArizona$275/YearCalifornia$300/YearColorado$224/YearConnecticut$325/YearDelaware$207/YearFlorida$215/YearGeorgia$353/YearHawaii$252/YearIowa$216/YearIdaho$190/YearIndiana$268/YearKansas$254/YearKentucky$209/YearLouisiana$579/YearMassachusetts$229/YearMaryland$251/YearMaine$211/YearMichigan$471/YearMinnesota$218/YearMissouri$249/YearMississippi$429/YearMontana$284/YearNorth Carolina$436/YearNorth Dakota$200/YearNebraska$314/YearNew Hampshire$160/YearNew Jersey$238/YearNew Mexico$195/YearNevada$263/YearNew York$328/YearOhio$255/YearOklahoma$299/YearOregon$295/YearPennsylvania$325/YearRhode Island$560/YearSouth Carolina$314/YearSouth Dakota$208/YearTennessee$309/YearTexas$223/YearUtah$246/YearVirginia$270/YearVermont$181/YearWashington$249/YearWisconsin$185/YearWest Virginia$244/YearWyoming$142/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in IllinoisBest and cheapest homeowners insurance companies in IllinoisHow much does condo insurance cost in Illinois in 2025? 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Most Americans don’t 1/1 Related Articles Highest cost of living states in the U.S. By Tonya Sisler Homeowners insurance rates by state: See how your state compares in 2026 By Alisha Ambre Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel $400K home insurance cost calculator By Zack Sigel Cost of living by state By Chris Kissell Cost of living calculator By Nupur Gambhir 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