Illinois Home Insurance Costs (2026)

How much is homeowners insurance in Illinois?

Homeowners insurance in Illinois averages $232 a month for the house we priced, with rates as of Sept. 30, 2026. The 4 major insurers we compared are Allstate, State Farm, Farmers and American Family, and each one priced our sample home in all 475 Illinois ZIP codes in our data, which span 83 counties. For this house, Illinois is the 24th most expensive of the 50 states and D.C.

Our figures are for a $300,000 dwelling; insuring a larger or costlier house for more usually costs more.

For the same insurers and ZIP codes, the Illinois average fell 8.9% since Nov. 2025, from $3,060 a year ($255 a month) on Nov. 30, 2025, to $2,788 ($232) on Sept. 30, 2026, as American Family’s fell 18.3%, Allstate’s rose 3.5% and Farmers’ didn’t change.

Homeowners insurance averages by insurer in Illinois for our sample home (rates as of Sept. 30, 2026)

Allstate averaged $102 a month ($1,220 a year), State Farm $190 ($2,283), Farmers $218 ($2,611) and American Family $420 ($5,040) for our sample home.

Same sample home: each insurer’s average yearly price in the same Illinois ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 4 insurers in the table priced the same 475 Illinois ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the Illinois address:

• Allstate ran from $1,098 to $1,486 a year by ZIP code and priced all 475 Illinois ZIP codes in our data.
• State Farm charged $2,283 a year in every ZIP code it priced and priced all 475 Illinois ZIP codes in our data.
• Farmers ran from $1,919 to $4,101 a year by ZIP code and priced all 475 Illinois ZIP codes in our data.
• American Family ran from $4,498 to $6,024 a year by ZIP code and priced all 475 Illinois ZIP codes in our data.

Why one insurer stands out: American Family’s average for our sample home, $420 a month, is about 2.5 times the other 3 insurers’ average. It stays in our figures. Without it, the Illinois average would be $170 a month ($2,038 a year), 34.3% below the average of the 50 states and D.C.

Same sample home with all 4 insurers and without American Family (rates as of Sept. 30, 2026)

The 50-states-and-D.C. figure includes every insurer we priced in each state.

Who has the cheapest homeowners insurance in Illinois?

Prices for the same home vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Illinois, ZIP code averages for this house ran from $212 a month in Palos Park to $272 in East Saint Louis, while insurers’ statewide averages ran from $102 to $420.

Same house, different state: how does Illinois compare?

Of Illinois’ 5 neighbors, 3 have a higher average for the identical house and 2 a lower one: Illinois’ $232 a month compares with $148 in Wisconsin and $432 in Missouri.

Same sample home: average home insurance prices in Illinois, neighboring states and the 50 states and D.C. (rates as of Sept. 30, 2026)

Same sample house in every state; each figure averages every insurer we priced there, so one high-priced insurer can lift a state’s average.

Of the other 49 states and D.C., 27 have a lower average for this house than Illinois and 23 a higher one.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

How much is homeowners insurance on a $300,000 house in Illinois?

For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Illinois averages $232 a month ($2,788 a year) across the 4 insurers we compared in 475 ZIP codes (rates as of Sept. 30, 2026). That’s 10.1% below the $258-a-month average of the 50 states and D.C. for the same house. Insurers’ averages for that same house ran from $102 to $420 a month. Without American Family, which priced far above the rest, the average would be $170 a month.

Why your Illinois quote may differ from these prices

Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.

Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.

Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push an Illinois quote above the $232 a month our claim-free, good-credit owner averages.

Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.

What drives home insurance prices in Illinois?

For our sample house, Illinois is the 24th most expensive of the 50 states and D.C. Our figures don’t separate causes; these official records show what Illinois homes face.

Illinois recorded a preliminary 142 tornadoes in 2024, a state record, the National Weather Service reported.

Earthquakes are a risk too: the New Madrid Seismic Zone is the greatest earthquake risk east of the Rocky Mountains, according to the Illinois Emergency Management Agency, and a standard homeowners policy doesn’t cover earthquake damage.

How to find cheaper home insurance in Illinois

For our sample home, Illinois insurers’ statewide averages ran from $1,220 to $5,040 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.

Compare at least three insurers: even one insurer’s price moves a lot by address: Farmers’ for our sample home ran from $1,919 to $4,101 a year depending on the Illinois ZIP code.

Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 26 months of Illinois’ $232-a-month average premium).

Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.

Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.

Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.

Guard a clean record: our sample owner has no claims in 10 years, and the $232-a-month Illinois average assumes that clean record; a recent claim can raise a quote.

How much is renters insurance in Illinois?

Renters insurance for our sample renter averages $25 a month ($297 a year) in Illinois. For our sample renter, prices among the 3 insurers we compared ranged from $15 to $34 a month, a $19-a-month gap for the same coverage.

Renters insurance averages by insurer in Illinois for our sample renter (rates as of Sept. 30, 2026)

State Farm averaged $15 a month ($177 a year), Farmers $26 ($309) and American Family $34 ($405) for our sample renter.

We don’t name a lowest renters insurer in Illinois (the methodology explains when we do); the renters table above lists every insurer’s average for the same renter, from $15 to $34 a month.

Illinois’ renters average is the 11th most expensive of the 50 states and D.C., 16.0% above their average of $21 a month ($256 a year). Our sample renter’s policy costs about 11% of what our sample home costs to insure in Illinois.

For the same insurers and ZIP codes, the Illinois renters average didn’t change between Nov. 30, 2025 and Sept. 30, 2026: it was $25 a month on both dates.

By ZIP code, the Illinois renters average for our sample renter ran from $21 a month in Carpentersville (60110) to $35 in Chicago (60617).

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 1,425 sample prices by 3 insurers across 475 Illinois ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

What does renters insurance cover in an Illinois apartment?

Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Illinois, that package averages $25 a month; flood and earthquake damage need separate coverage.

How we got these renters prices: each insurer’s average across the 475 Illinois ZIP codes in our data. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in Illinois

Many Illinois homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.

See Illinois car insurance rates · How bundling home and auto insurance works