The Best Home Insurance in Illinois for 2024

Illinois homeowners can expect to pay a little less than the national average for their insurance.
Sarah Schlichter
By Sarah Schlichter 
Edited by Caitlin Constantine

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The average cost of homeowners insurance in Illinois is $1,670 per year, according to NerdWallet’s rate analysis. For comparison, the national average is $1,820 per year.

NerdWallet looked at rates and policies from several insurers across the state to determine the best homeowners insurance in Illinois in the following categories:

Our sample rates are based on a homeowner with good credit who has $300,000 in dwelling coverage, $300,000 in liability coverage and a $1,000 deductible. The rates in our analysis are estimates based on many factors, so your rate may differ.

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.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.

We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

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Best budget home insurance for Illinois: State Farm

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State Farm

4.5

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

State Farm

4.5

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

State Farm is the largest insurer in the United States, and it’s notable for providing lots of coverage options with premiums that tend to be lower than average. In Illinois, the average annual premium for State Farm is $1,085, which is well below the state average of $1,670.

Even though State Farm’s rates tend to be lower, the insurer doesn’t skimp on coverage. Unlike many other companies, its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.


Best home insurance in Illinois for coverage: The Andover Companies

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The Andover Companies

5.0

NerdWallet rating 
Superior coverage sold through independent agents in select states.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

The Andover Companies

5.0

NerdWallet rating 
Superior coverage sold through independent agents in select states.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

The Andover Companies’ home insurance policies generally come with broader coverage for your belongings and more coverage for the structure of your home than a standard homeowners policy provides. (Note that most but not all homes qualify for this coverage.)

Most Andover policies also include a generous amount of ordinance or law coverage, which pays to upgrade your home up to current building codes during repairs after a covered claim.


Best homeowners insurance in Illinois for consumer experience: American Family and Nationwide

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American Family

4.5

NerdWallet rating 
Comprehensive coverage for homeowners in 19 states, mostly in the West and Midwest.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected
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American Family

4.5

NerdWallet rating 
Comprehensive coverage for homeowners in 19 states, mostly in the West and Midwest.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Close to expected
insurance-product-card-logo

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Close to expected

Nationwide and American Family both offer robust consumer experiences for their customers, including websites that make it simple to manage policies, file and track claims, and set up automatic billing. Both have well-rated apps for Android and iOS that allow customers to file and track claims, view policy documents and set up autopay.

In addition, these insurers provide several ways to get help, such as reaching out to your agent or calling the company’s customer service hotline.

Learn more with our reviews of Nationwide home insurance and American Family home insurance.


Full list of the best homeowners insurance in Illinois

NerdWallet analyzed dozens of home insurance companies to find the best home insurance in Illinois. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

$2,205

5.0

NerdWallet rating 

$2,355

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

Not available

4.5

NerdWallet rating 

$1,085

4.5

NerdWallet rating 

$1,215

4.5

NerdWallet rating 

$1,335

4.5

NerdWallet rating 

$1,345

Auto Club Group (AAA)

4.5

NerdWallet rating 

$2,125

4.5

NerdWallet rating 

$2,220

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

5.0

NerdWallet rating 

$1,440

*USAA homeowners policies are available only to active military, veterans and their families.


How much does homeowners insurance cost in Illinois?

The average annual cost of home insurance in Illinois is $1,670. That’s 8% less than the national average of $1,820.

In most U.S. states, including Illinois, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score. 

In Illinois, those with poor credit pay an average of $4,180 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 150% more than those with good credit.

Average cost of homeowners insurance in Illinois by city

How much you pay for home insurance in Illinois depends on where you live. For example, the average cost of homeowners insurance in Chicago is $2,115 per year, or about $176 per month. In Aurora, homeowners insurance costs about $1,450 per year or $121 per month, on average.

City

Average annual rate

Average monthly rate

Arlington Heights

$1,475

$123

Aurora

$1,450

$121

Belleville

$1,810

$151

Berwyn

$1,535

$128

Bloomington

$1,405

$117

Bolingbrook

$1,485

$124

Champaign

$1,420

$118

Chicago

$2,115

$176

Cicero

$1,595

$133

Decatur

$1,560

$130

Des Plaines

$1,530

$128

Elgin

$1,475

$123

Evanston

$1,500

$125

Joliet

$1,520

$127

Naperville

$1,435

$120

Orland Park

$1,490

$124

Palatine

$1,485

$124

Peoria

$1,515

$126

Plainfield

$1,465

$122

Rockford

$1,500

$125

Schaumburg

$1,510

$126

Skokie

$1,520

$127

Springfield

$1,550

$129

Tinley Park

$1,520

$127

Waukegan

$1,610

$134

The cheapest home insurance in Illinois

Here are the insurers we found with average annual rates below the Illinois average of $1,670.

Company

NerdWallet star rating

Average annual rate

4.5

NerdWallet rating 

$1,085

4.5

NerdWallet rating 

$1,215

4.0

NerdWallet rating 

$1,270

4.5

NerdWallet rating 

$1,335

4.5

NerdWallet rating 

$1,345

Westfield

4.0

NerdWallet rating 

$1,445

4.0

NerdWallet rating 

$1,665

5.0

NerdWallet rating 

$1,440

*USAA homeowners policies are available only to active military, veterans and their families.

What to know about Illinois homeowners insurance

When evaluating your options for home insurance in Illinois, make sure you’re adequately covered for these common natural disasters.

Floods

Homeowners insurance generally doesn’t cover flood damage, so if your home is at risk, you may need to buy a separate flood insurance policy.

Most people get this coverage through the federal government’s National Flood Insurance Program, though private flood insurance may also be available in your area.

To check your home’s flood risk, plug your address into the Federal Emergency Management Agency's flood maps or check RiskFactor.com, an online tool from the nonprofit First Street Foundation.

Tornadoes

A standard homeowners insurance policy typically covers damage from a tornado, along with any additional living expenses you might have if the storm leaves your home unlivable.

Winter storms

If a heavy blizzard knocks a tree onto your roof or frigid weather causes a pipe to burst, your homeowners insurance policy will likely cover the damage. Snow and ice are among the “perils,” or causes of damage, that a standard homeowners policy covers.

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Illinois Department of Insurance

Got a complaint about your insurance company? Confused about your rights as a policyholder? The Illinois Department of Insurance may be able to assist. On the agency’s website, you can look up insurance companies, file a complaint or chat with a virtual assistant in English or Spanish. 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 give you at least 30 days’ notice if it’s canceling your homeowners policy for any reason other than nonpayment. If at least three companies refuse to cover your home, you may be eligible for a policy from the Illinois FAIR Plan, the state’s insurer of last resort.

Looking for more insurance in Illinois?

A previous version of this article incorrectly stated that homeowners insurance in Illinois is more expensive than the national average. This article has been corrected.

Methodology

NerdWallet averaged rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. 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:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 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.

We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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, coverages, discounts and online experience. 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. Read our full homeowners insurance rating methodology.

Complaint methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. 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.

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