Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Illinois Average homeowners insurance cost in Illinois Homeowners insurance in Illinois costs $3,044 per year or $254 monthly, according to Insure.com’s data analysis. 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 a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. Updated on: November 21, 2024 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. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in Illinois is $3,044 a year. Continue reading to learn more about homeowners insurance rates in Illinois by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $3,044 a year, based on Insure.com analysis.Of all the ZIP codes in Illinois, 60178 has the most affordable home insurance rates at around $2,589 annually.In Illinois, Allstate provides the most affordable home insurance at an average annual premium of $1,720. Average home insurance cost in Illinois by coverage levelHomeowners insurance costs $3,044 a year in Illinois for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Illinois will increase to $2,035 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Illinois for dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and None Deductible$2,406$200200000 with 1000 Deductible and 300000 Liability and None Deductible$2,423$202300000 with 1000 Deductible and 100000 Liability and None Deductible$3,044$254300000 with 1000 Deductible and 300000 Liability and None Deductible$3,062$255400000 with 1000 Deductible and 100000 Liability and None Deductible$3,672$306400000 with 1000 Deductible and 300000 Liability and None Deductible$3,693$308600000 with 1000 Deductible and 100000 Liability and None Deductible$5,108$426600000 with 1000 Deductible and 300000 Liability and None Deductible$5,135$4281000000 with 1000 Deductible and 100000 Liability and None Deductible$7,834$6531000000 with 1000 Deductible and 300000 Liability and None Deductible$7,869$656Homeowners insurance companies in Illinois determine rates based on risk factors. When calculating premiums, they consider your location, claims history and coverage limits.If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in IllinoisBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Illinois based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that Auto-Owners received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreAuto-Owners$2,228A++0.335Country Financial$3,551A+0.264.79Farmers$3,246A0.544.24American Family$5,063A0.374.19Nationwide$2,043A+0.874.03Allstate$1,720A+0.93.98State Farm$2,035A++0.953.9Travelers$7,830A++0.543.44Average homeowners insurance cost by company in IllinoisAllstate has the cheapest homeowners insurance rates in Illinois. Its average annual cost for Illinois homeowners is $1,720. State Farm and Nationwide also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in Illinois with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateAllstate$1,720$143State Farm$2,035$170Nationwide$2,043$170Auto-Owners$2,228$186Farmers$3,250$271Country Financial$3,551$296American Family$5,063$422Travelers$8,513$709USAA$2,243$187Illinois homeowners insurance rates by ZIP codeInsurance companies in Illinois assess the risk associated with a specific location. ZIP codes prone to higher crime rates or frequent natural disasters are often classified as high-risk areas, which can lead to increased insurance premiums. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a homeowners insurance policy.Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Illinois. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in IllinoisHome insurance costs vary across different areas in Illinois. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 60178 ZIP code has the lowest home insurance rates in Illinois, at $2,589 annually or $216 per month.Here are the homeowners insurance rates for some of the most affordable ZIP codes in Illinois.ZIP codeAverage annual rateAverage monthly rate60178$2,589$21660115$2,594$21660516$2,606$21760189$2,621$21860126$2,622$21960514$2,626$21960112$2,627$21961704$2,632$21961748$2,637$22060521$2,644$220Most expensive ZIP codes for home insurance rates in IllinoisYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Illinois, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.60644 has the most expensive homeowners insurance rates in Illinois at an average annual cost of $4,665.Below, we’ve highlighted some of the most expensive ZIP codes in Illinois for home insurance:ZIP codeAverage annual rateAverage monthly rate60644$4,665$38960636$4,585$38260621$4,582$38260624$4,544$37960609$4,382$36560637$4,339$36260619$4,284$35760651$4,258$35560628$4,210$35160699$4,173$348Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Illinois by cityAuroraChicagoJolietNapervilleRockfordHome insurance rate trend in IllinoisWe analyzed home insurance rate trends in Illinois and found that homeowners insurance rates experienced an overall increase of 18% or $455, from 2022 to 2023.The below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,883$2,589$3,044To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Illinois.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Illinois Average renters insurance cost in Illinois Average car insurance cost in Illinois Non-owner car insurance in Illinois How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani 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 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates 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 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 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? 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