Fact CheckedNerdy takeaways
Chubb is the top-rated insurer in Illinois, offering the best coverage for high-value homes.
Andover Companies offers the best coverage for most homes.
Amica is our top pick for a better consumer experience.
State Farm is our best value pick in the state.
USAA is our top choice for Illinois military families.
People looking for the best homeowners insurance in Illinois have quite a few top-rated insurers to choose from. The best policy for your property will depend on your location, how much coverage you need and other factors that determine how much you’ll pay for homeowners insurance.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state. Even if an insurer serves your state, it may not write policies for all homes in all areas.
The best home insurance companies in Illinois
best for high-value homes
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Why it’s worth a look: Illinois homeowners looking to insure a high-value home may find Chubb policies a good value. For instance, extended replacement cost coverage comes standard with Chubb policies, which means you’ll have a little extra to rebuild your home if you suffer a loss.
Standout feature: Chubb’s HomeScan service, which uses infrared cameras to scan the walls of your home, could help alert you to hidden problems before they become an expensive hassle.
Average rates: Not available.
» READ MORE: Chubb homeowners insurance review
Best coverage for most homes
Andover Companies
- Far fewer consumer complaints than expected.
- Includes more generous dwelling and personal property coverage than most insurers.
- Many additional coverage options to choose from.
- Limited online experience.
Why it’s worth a look: Homeowners insurance from The Andover Companies goes the extra mile with more coverage than a standard policy. Of particular note is Andover’s inclusion of guaranteed replacement cost for your dwelling, which most insurers charge extra for. This means you’ll have whatever you need to rebuild your home after a covered claim.
Standout feature: It’s not just your house that’s covered. Andover policies also include replacement cost coverage for your personal belongings. This means you’ll get reimbursed to buy brand-new replacements. Most insurers cover personal belongings on an actual cash value basis, which means you’ll get paid only what your stuff was worth when the loss occurred.
Average rates: Not available.
» READ MORE: Andover Companies homeowners insurance review
best consumer experience
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- You can start a quote online but may have to finish the buying process by phone.
Why it’s worth a look: The way an insurance company interacts with its customers can make a big difference if you ever need to make a claim. Amica has a very low rate of complaints compared to other insurers and consistently receives praise from customers in J.D. Power surveys about home insurance. [citations needed]
Standout feature: Amica offers homeowners several ways to customize policies with specialized add-ons. For instance, the company’s computer coverage helps protect electronics against damage from power surges, water damage and more.
Average rates: Not available.
» READ MORE: Amica homeowners insurance review
Best value
State Farm
- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Below average for claim satisfaction in a recent J.D. Power study.
Why it’s worth a look: Because State Farm is one of America’s largest home insurers, it’s easier to build value by bundling different types of insurance to earn discounts. State Farm homeowners policies also come standard with inflation protection, which helps ensure your coverage limits keep pace with rising costs.
Standout feature: State Farm offers Illinois homeowners roofing discounts if you’ve installed certain impact-resistant products on your roof to prevent hail damage.Check with your agent to see if you qualify and what your premium discount might be.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $1,830 |
$300,000 | $2,275 |
$400,000 | $2,650 |
$500,000 | $2,980 |
$600,000 | $3,290 |
» READ MORE: State Farm homeowners insurance review
best for military families
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Fewer customer complaints to state regulators than expected for a company of its size.
- Perks for military homeowners.
- Available only to active military members, veterans, some federal employees and their families.
Why it’s worth a look: Active military members, veterans, some federal employees and their family members may be eligible for affordable homeowners insurance through the USAA. Special perks for active-duty members include waiving the deductible for uniforms damaged while deployed as well as coverage for some military equipment.
Standout feature: If you make a claim for damaged personal belongings through your USAA home insurance, the company will reimburse for brand-new replacements. USAA also includes $5,000 in identity theft coverage with its homeowners insurance policies.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $1,345 |
$300,000 | $1,740 |
$400,000 | $2,075 |
$500,000 | $2,405 |
$600,000 | $2,680 |
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | |
» READ MORE: USAA homeowners insurance review
Other top home insurance companies in Illinois
These home insurance providers are also worth a look.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
$4,865 | ||
$2,260 |
How much does homeowners insurance cost in Illinois?
The average cost of homeowners insurance in Illinois is $3,240 per year, or about $270 per month. That's 30% more expensive than the national average of $2,490 per year for the same amount of coverage.
These rates are based on a sample home insurance policy with $400,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Did you know...
The dwelling coverage limit on your policy should be the amount it would take to rebuild your home, based on the cost of labor and construction in your area. It won't necessarily be the price you paid for the house or how much you could sell it for now. Use our calculator to estimate your home's rebuilding cost.
The median rebuilding cost for Illinois homes is $411,305, according to data from First Street, a climate risk modeling firm.
Below are the average rates for policies with various dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $2,080 |
$300,000 | $2,665 |
$400,000 | $3,240 |
$500,000 | $3,790 |
$600,000 | $4,350 |
The rates above are for homeowners with good credit. In Illinois, policyholders with poor credit pay an average of $6,715 per year — an increase of 107%.
Average cost of homeowners insurance in Illinois by city
The amount you pay will vary depending on where you live in the state. For example, the average cost of homeowners insurance in Chicago is $3,745 per year, while Naperville homeowners pay $2,860 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Arlington Heights | $2,950 | $246 |
Aurora | $2,940 | $245 |
Berwyn | $3,150 | $263 |
Bloomington | $3,090 | $258 |
Bolingbrook | $2,890 | $241 |
Champaign | $3,135 | $261 |
Chicago | $3,745 | $312 |
Cicero | $3,270 | $273 |
Decatur | $2,745 | $229 |
Des Plaines | $2,955 | $246 |
Elgin | $2,700 | $225 |
Evanston | $3,065 | $255 |
Joliet | $2,985 | $249 |
Mount Prospect | $2,875 | $240 |
Naperville | $2,860 | $238 |
Oak Lawn | $3,000 | $250 |
Orland Park | $2,900 | $242 |
Palatine | $2,950 | $246 |
Peoria | $3,085 | $257 |
Rockford | $2,930 | $244 |
Schaumburg | $2,950 | $246 |
Skokie | $3,050 | $254 |
Springfield | $3,110 | $259 |
Tinley Park | $2,920 | $243 |
Waukegan | $3,270 | $273 |
The cheapest home insurance in Illinois
Here are the insurers we found with the cheapest rates for a variety of dwelling coverage limits.
Company
NerdWallet star rating
Average annual rate
$1,215
$1,650
$1,830
$1,950
$1,345
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$1,715
$2,180
$2,275
$2,600
$1,740
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$2,260
$2,650
$2,650
$2,980
$2,075
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$2,870
$2,980
$3,225
$3,260
$2,405
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$3,290
$3,420
$3,445
$3,780
$2,680
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Cheap homeowners insurance in Illinois by claims history
Here are the cheapest home insurance companies in Illinois for homeowners who've filed a recent claim.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$2,890 | ||
$2,990 | ||
$3,075 | ||
$3,355 | ||
$2,285 | ||
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | ||
These rates are based on a sample homeowner with good credit, $400,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Cheap home insurance in Illinois by credit score
Here are the cheapest home insurance companies in Illinois for homeowners with poor credit. Read more about how your credit scores impact home insurance rates.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$3,405 | ||
$3,615 | ||
$4,245 | ||
$5,030 | ||
$4,120 | ||
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | ||
These rates are based on a sample home insurance policy with $400,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Common discounts
Make sure to ask your home insurance company about any discounts you may be eligible for. Here are some of the most common:
Many insurers offer savings if you buy more than one policy, such as home and car insurance. See our picks for the best home and auto insurance bundles.
Got a burglar alarm, smoke detectors or a smart device that alerts you if you have a leak? Safety and security features like these could earn you a discount.
Sign up for paperless billing or set your premiums to autopay, and you could get a discount.
Many insurance companies give discounts to customers who’ve gone a certain number of years without filing a home insurance claim.
Some insurers offer discounts to new policyholders or reward those who’ve stuck around for a while.
Teachers, doctors, members of the military and others may be eligible for discounts from certain insurers.
Learn more about common home insurance discounts.
Common Illinois home insurance problems
Illinois homeowners face a few common problems that should be top of mind as you shop for home insurance in the Prairie State.
Floods. Homeowners in Illinois may want to consider flood insurance. Flooding accounts for more than 90% of declared disasters in Illinois, according to the state's Department of Natural Resources. The agency also notes that at least 15% of the state's land area is subject to flooding.
Homeowners insurance policies don’t often cover floods, so you’d need a separate flood insurance policy. Most policies are through the federal government’s National Flood Insurance Program, though private flood insurance might be available near you.
To check your flood risk, start with the federal government’s flood maps. However, these maps don’t always capture all types of flood risk. You may want to check another source such as First Street, a company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating.
Tornadoes. The bad news is Illinois averages about 50 tornadoes a year. The good news is that your homeowners insurance policy probably covers tornado damage along with additional living expenses if you can’t stay in your home while it’s being repaired.
Winter storms. Home insurance usually covers damage from snow and ice, including things like icy trees falling on your roof or frozen pipes bursting. This may be especially helpful for Chicago homeowners since the area historically gets the heaviest snowfall in the state, in part due to lake effect snow from neighboring Lake Michigan.
Common optional coverage
A standard homeowners policy can sometimes fall short, so it's worth looking for ways to make it more comprehensive. For example, we recommend asking if your insurer offers extended or guaranteed replacement cost coverage for your home. These add-ons give you extra dwelling coverage in case it costs more than you expect to rebuild your home after a disaster. Having this coverage can be a useful hedge against inflation.
Here are a few additional types of coverage you may want to buy.
Floods are the most common weather disaster in the U.S. and can happen anywhere, not just coastal areas. You can buy flood insurance through the federal government or from private companies. Learn whether you need flood insurance.
Homeowners policies generally won’t cover damage if a drain backs up into your home or your sump pump fails. Adding water backup coverage can help with these issues.
Homeowners policies may cover your stuff on an actual cash value or replacement cost basis. With actual cash value, the policy will pay less for older items that have lost value over time. To get enough of a claim payout to buy brand-new items, opt for replacement cost coverage.
If you have expensive jewelry, fine art or other valuables, you may need extra insurance for them. Learn more about scheduled personal property coverage.
Service line coverage pays to fix damaged water, gas, sewer or other underground lines on your property.
If your HVAC system or another major appliance fails, equipment breakdown coverage can help pay for repairs.
Illinois FAIR Plan Association
The Illinois FAIR Plan Association provides insurance to Illinois property owners who can’t get policies through other means. To apply, you’ll have to provide proof you’ve been declined coverage by three different private insurers.
The association’s website suggests that it’s best to use FAIR Plan policies as a temporary solution for a year or two until you can find standard insurance. You can get dwelling coverage for a home, apartment or condominium up to $750,000 with coverage of up to $375,000 for personal belongings.
Many FAIR Plans, including the one in Illinois, require a home inspection as part of the application process.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Illinois Department of Insurance
If you have a complaint about your insurer or a question about your rights as a policyholder, the Illinois Department of Insurance can help. You can look up insurance companies and file a complaint on the agency’s website. The agency also provides information for people who speak Spanish, Arabic, Hindi, Chinese, Polish and Tagalog. For personalized help, you can call the agency’s customer hotline at 866-445-5364.
The agency also provides information on your rights as a homeowner in Illinois. For example, your insurance company must mail you a notice at least 30 days in advance if it’s canceling your homeowners policy for any reason other than nonpayment.
How we review home insurance
Our editorial team considers these factors when rating homeowners insurance companies:
This part of our star rating is based largely on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. When available, we also include each company’s performance in the most recent J.D. Power Home Insurance Study. Other factors in our consumer experience score include customer-friendly features such as online claims filing and quotes.
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
Companies score higher if they offer many common endorsements and include more comprehensive coverage in their standard plans. In particular, we look at features such as extended coverage for the structure of your home and replacement cost coverage for personal belongings.
We evaluate how many of the most common home insurance discounts each company offers.
See our complete homeowners insurance rating methodology.
Frequently asked questions
Homeowners insurance isn’t legally required in Illinois, but if you have a mortgage, your lender will likely require you to have it. For more information, read Is Homeowners Insurance Required?
In Illinois and any other state, an insurance company may deny a homeowners claim for a variety of reasons. For instance, the damage may have been caused by something the policy doesn’t cover. (Most homeowners policies specifically exclude coverage for things like flood or earthquake damage.) Your claim may also be denied if you’ve failed to pay your premiums or you can’t provide enough evidence of the damage.
The Illinois Department of Insurance oversees the state’s insurance market, including homeowners insurance companies. The agency is responsible for evaluating consumer complaints about insurance carriers and making sure companies operating in the state are financially solvent.
The average cost of homeowners insurance in Chicago is $3,745 a year, according to NerdWallet’s rate analysis. Your own rate may differ depending on the size of your home and the amount of coverage you need. To save on your premium, ask your insurer if you qualify for any home insurance discounts.
By law, homeowners insurers in Illinois can't deny you coverage or charge you a higher rate based on your dog's breed. However, they can take these actions if your dog has a history of aggression.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Illinois Department of Natural Resources. The National Flood Insurance Program. Accessed Mar 4, 2026.
- 2.National Weather Service. Tornado Safety Guidelines. Accessed .
- 3.Illinois State Climatologist. Climate of Illinois. Accessed .
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in ZIP codes across all 50 states and Washington, D.C. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$400,000 in dwelling coverage.
$40,000 in other structures coverage.
$200,000 in personal property coverage.
$80,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
In select states, we added a single wind damage claim to see rates for homeowners with a claim on their record.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Rebuilding cost methodology
The median home rebuilding cost referenced above is based on 2025 replacement cost data from First Street, a climate risk modeling firm. Actual replacement costs may vary based on factors like location, square footage, construction materials, the age of your home and local labor costs.
