The Best Home Insurance in Illinois for 2025

Chubb and Country Financial are among the best home insurance companies in Illinois.

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Written by Sarah Schlichter
Lead Writer & Content Strategist
Profile photo of Caitlin Constantine
Assistant Assigning Editor

Chubb and Country Financial are among the best home insurance companies in Illinois, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Illinois. Below are the insurers that earned 4.5 stars or more in our analysis. Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

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.

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

$1,880

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

$3,005

5.0

NerdWallet rating 

$1,420

4.5

NerdWallet rating 

$1,795

4.5

NerdWallet rating 

$2,820

4.5

NerdWallet rating 

Not available

Auto Club Group (AAA)

4.5

NerdWallet rating 

$2,710

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

$2,585

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

$1,685

4.5

NerdWallet rating 

$1,960

5.0

NerdWallet rating 

$1,775

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

  • Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. See our criteria for evaluating homeowners insurance.

  • More than 270 million rates analyzed by our team of specialists.

  • More than 50 insurance companies analyzed in all 50 states and Washington D.C. (See our top picks.)

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The best home insurance companies in Illinois

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Amica

5.0

NerdWallet rating 
Well-established insurer known for great customer service.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Amica

5.0

NerdWallet rating 
Well-established insurer known for great customer service.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

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Auto-Owners

5.0

NerdWallet rating 
Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Auto-Owners

5.0

NerdWallet rating 
Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Auto-Owners has been in business for more than a century. Its homeowners policies include all the basics, but you can also add coverage for things like identity theft or equipment breakdown (the failure of home appliances). Guaranteed replacement cost coverage is another optional add-on, enabling you to rebuild your home after a total loss even if your dwelling coverage limit is too low.

Auto-Owners sells homeowners insurance through independent agents.

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Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage

More than average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage

More than average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.

Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

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Country Financial

5.0

NerdWallet rating 
Best for those who prefer to have a personal conversation with an agent when choosing coverage.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Country Financial

5.0

NerdWallet rating 
Best for those who prefer to have a personal conversation with an agent when choosing coverage.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You also have the option to add extra coverage for the structure of your home, in case inflation drives up the cost of rebuilding more than you expect.

Country Financial sells homeowners insurance through local representatives. The company has drawn far fewer complaints than expected to state regulators.

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Erie

5.0

NerdWallet rating 
Best for homeowners who want to work with an agent.

Coverage

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Erie

5.0

NerdWallet rating 
Best for homeowners who want to work with an agent.

Coverage

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Erie offers guaranteed replacement cost coverage for the structure of your home. With this coverage, the company will pay to rebuild your home completely after a disaster, even if the amount exceeds your dwelling limit.

Got a car to insure, too? If you bundle your home and auto insurance with Erie, you could get a discount of 16% or more. You may also be able to save if your home has certain safety and security features such as smoke alarms or sprinkler systems.

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Allstate

4.5

NerdWallet rating 
Widely available across the U.S. with lots of ways to customize your policy.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Close to expected

Allstate

4.5

NerdWallet rating 
Widely available across the U.S. with lots of ways to customize your policy.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Close to expected

Allstate is one of the largest home insurance companies in the U.S. The company offers many ways to customize your policy, including replacement cost coverage for your personal property and water backup coverage, which applies if sewer lines or sump pumps back up and damage your home. Other, less common options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible for signing up, plus an additional $100 off for each year you go claim-free. And if you do file a claim, your rates won’t go up.

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American Family

4.5

NerdWallet rating 
Customizable coverage and discounts for smart-home devices.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

American Family

4.5

NerdWallet rating 
Customizable coverage and discounts for smart-home devices.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

American Family receives far fewer consumer complaints than expected for a company of its size, which suggests policyholders tend to be happy with its service. You may be able to add coverage for identity theft, the breakdown of major appliances or repairs to service lines that run to your house.

Discounts may be available for installing smart-home devices, bundling multiple policies or setting up automatic payments.

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Andover Companies

4.5

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

Coverage

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Andover Companies

4.5

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

Coverage

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 to current building codes during repairs after a covered claim.

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Auto Club Group

4.5

NerdWallet rating 
Sells homeowners insurance on behalf of AAA in states like North and South Carolina.

Coverage

More than average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Auto Club Group

4.5

NerdWallet rating 
Sells homeowners insurance on behalf of AAA in states like North and South Carolina.

Coverage

More than average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected