Best Illinois Home Insurance (August 23)
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Are you looking to get the best home insurance quotes in Illinois? We have analyzed all the major insurers to guide you in finding the best homeowners insurance in Illinois.
Key Takeaways
- Illinois homeowners insurance costs $1,762 annually.
- Insurers offer home insurance policies in the state starting at around $1,071 annually.
- The average cost of homeowners insurance is typically higher in larger cities like Chicago than in smaller cities and towns.
Illinois homeowners insurance: What you need to know
Illinois's average home insurance cost is around $1,762 yearly, which is higher than the national average rate.
However, Illinois is also known for its extreme weather, including tornadoes and snowstorms. So, having an ideal home insurance policy is crucial if you live in Illinois. Fortunately, despite the high probability of catastrophic weather, Illinois homeowners can still obtain reasonably priced insurance policies. You can find one by comparing the quotes from multiple insurers.
Keep reading to find cheap homeowners insurance in Illinois.
What does a homeowners insurance policy cover?
Liability, Personal Property, Dwelling, Medical Payments to Others, Other Structures, and Additional Living Expenses are the typical coverages that a homeowners insurance policy offer. But additionally, you can buy these coverages in the state.
- Flood insurance: A typical home insurance policy does not cover damage brought on by floods. Although a few insurers offer flood insurance as an endorsement, you will typically need a separate flood insurance policy.
- Water backup coverage: During heavy rains, water frequently backs up into sewage and drainage systems in the state. It can be a serious concern if your home has a basement or crawl space. Several insurers provide water backup coverage to cover this kind of damage.
- Earthquake coverage: Due to its closeness to the New Madrid fault, the southern portion of Illinois is more vulnerable to earthquakes. You may be able to add earthquake damage via endorsement, as it is typically not automatically covered by a home insurance policy. You could require earthquake insurance coverage if you live in an area prone to earthquakes.
- Identity theft coverage: Identity theft is rising as people depend more on digital technologies. This coverage pays for the price of recovering your stolen identity.
What isn't covered by a typical homeowners insurance policy?
In Illinois, homeowners insurance doesn't cover earthquakes, flooding, nuclear threats, insect and vermin infestations, power outages, war, wear and tear, sinkholes, or intentional loss. To ensure the coverages you receive, you must thoroughly research your policy before purchasing one.
The cheapest home insurance companies in Illinois
The rate of homeowners insurance in Illinois depends on the insurer you choose. With an annual average rate of $1,071, Allstate offers the state's most reasonably priced home insurance policy.
You can get a policy for even lower rates if you compare the policies and buy. Also, using the various discounts available will be another option to decrease insurance costs.
| Insurer | Average annual rate |
|---|---|
| Allstate | $1,071 |
| State Farm | $1,573 |
| Farmers | $1,602 |
| American Family | $2,037 |
| Country Financial | $2,570 |
The best homeowners insurance in Illinois for those with poor credit
When looking for a home insurance policy, it is vital to remember that your credit score can affect the rates. Your insurance premium will typically be lower the better your credit score is.
With an average annual rate of $1,678, Allstate offers the most affordable home insurance in Illinois for those with poor credit. If you have a poor credit score, insurers will see you as risky as you're more likely to file claims frequently.
| Insurer | Average annual rate |
|---|---|
| Allstate | $1,678 |
| State Farm | $2,684 |
| American Family | $2,838 |
| Country Financial | $3,536 |
| Farmers | $3,540 |
The best homeowners insurance in Illinois for pool owners
Homes with swimming pools will have higher insurance rates as insurers consider pools risky due to accidents and liability claims. With an average annual rate of $1,071, Allstate has the most reasonably priced home insurance in Illinois for a home with a pool.
| Insurer | Average annual rate |
|---|---|
| Allstate | $1,071 |
| State Farm | $1,573 |
| Farmers | $1,602 |
| American Family | $2,037 |
| Country Financial | $2,570 |
The best homeowners insurance in Illinois for dog owners
Some insurers consider certain dog breeds as 'dangerous' as they account for most dog bite liability claims. So you will have to pay more for homeowners insurance in Illinois if you own a 'dangerous' dog breed.
With an average annual rate of $1,071, Allstate offers the most affordable home insurance policy for dog owners in the state.
| Insurer | Average annual rate |
|---|---|
| Allstate | $1,071 |
| State Farm | $1,573 |
| Farmers | $1,602 |
| American Family | $2,047 |
| Country Financial | $2,570 |
The best homeowners insurance in Illinois for those with a claims history
You may expect a surge in your insurance rates for at least a few years after making a recent claim. With an average annual rate of $1,403, Westfield offers the most reasonable home insurance quotes in Illinois for those with a claims history.
| Insurer | Average annual rate |
|---|---|
| Westfield | $1,403 |
| Foremost | $1,598 |
| Allstate | $1,656 |
| Nationwide | $1,713 |
| USAA | $2,000 |
The best homeowners insurance in Illinois for newer homes
In general, the cost of insurance for newer properties is lower than for older ones. With a yearly average rate of $639, Nationwide has the most affordable home insurance rates for newer homes in Illinois.
| Insurer | Average annual rate |
|---|---|
| Nationwide | $639 |
| Allstate | $706 |
| Erie | $715 |
| American Strategic | $738 |
| USAA | $816 |
Homeowners insurance deductibles in Illinois
A deductible is an amount you contribute toward a covered loss if you file a claim under your home insurance policy. For example, if you had a $1,000 deductible and a $3,000 water damage claim, your insurer would give you $2,000 to cover the cost of the damage. A lower deductible typically results in higher premiums, and greater policy deductibles typically result in lower premiums. You might be better off choosing a lower deductible policy in Illinois because the average annual savings between deductible amounts do not differ considerably.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $2,303 |
| $1,000 | $2,065 |
| $2,000 | $2,044 |
Illinois home insurance prices by coverage levels
The portion of your homeowners insurance in Illinois known as 'dwelling coverage' protects your home against covered losses like a fire or severe weather catastrophe. It's crucial to remember that the cost of dwelling coverage should match the replacement cost of your house. Factors like construction costs in your ZIP code and its square footage determine your coverage cost. More dwelling coverage results in higher home insurance rates, as seen in the table below.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $1,116 |
| $200,000 | $1,596 |
| $300,000 | $2,065 |
| $400,000 | $2,524 |
| $500,000 | $3,065 |
Illinois homeowners insurance costs by city
The cost of home insurance in Illinois can vary by the place you live. Factors like ZIP Code, the crime rate in your area, and the cost of construction materials can significantly increase or decrease the cost of homeowners insurance in Illinois. The following is the average rate of home insurance in various cities.
| City | Average annual rate |
|---|---|
| Abingdon | $1,780 |
| Adair | $1,911 |
| Addieville | $2,135 |
| Addison | $1,520 |
| Albany | $1,688 |
| Albers | $1,994 |
| Albion | $2,158 |
| Aledo | $1,919 |
| Alexander | $1,992 |
| Alexis | $1,949 |
| Algonquin | $1,643 |
| Allendale | $2,151 |
| Allerton | $1,816 |
| Alorton | $2,244 |
| Alpha | $1,855 |
| Alsey | $2,331 |
| Alsip | $1,746 |
| Altamont | $1,845 |
| Alto Pass | $2,350 |
| Alton | $1,956 |
| Altona | $1,915 |
| Alvin | $1,886 |
| Amboy | $1,691 |
| Anchor | $1,661 |
| Ancona | $1,833 |
| Andalusia | $1,825 |
| Andover | $2,287 |
| Anna | $2,281 |
| Annapolis | $2,015 |
| Annawan | $1,817 |
| Antioch | $1,739 |
| Apple River | $1,757 |
| Arcola | $1,719 |
| Argenta | $1,892 |
| Arlington | $1,740 |
| Arlington Heights | $1,560 |
| Armington | $1,845 |
| Armstrong | $1,775 |
| Aroma Park | $2,287 |
| Arrowsmith | $1,691 |
| Arthur | $1,746 |
| Ashland | $1,895 |
| Ashley | $2,139 |
| Ashmore | $1,833 |
| Ashton | $1,745 |
| Assumption | $1,975 |
| Athens | $1,912 |
| Atkinson | $1,803 |
| Atlanta | $1,773 |
| Atwood | $1,767 |
| Auburn | $1,871 |
| Augusta | $1,892 |
| Aurora | $1,563 |
| Ava | $2,389 |
| Aviston | $1,961 |
| Avon | $1,909 |
| Baileyville | $1,804 |
| Bannockburn | $1,704 |
| Bardolph | $1,969 |
| Barnhill | $2,238 |
| Barrington | $1,642 |
| Barrington Hills | $1,630 |
| Barry | $1,978 |
| Barstow | $2,276 |
| Bartelso | $2,015 |
| Bartlett | $1,557 |
| Bartonville | $1,738 |
| Basco | $2,040 |
| Batavia | $1,542 |
| Batchtown | $2,001 |
| Bay View Gardens | $1,686 |
| Baylis | $2,053 |
| Beach Park | $1,669 |
| Beardstown | $1,843 |
| Beason | $1,943 |
| Beckemeyer | $2,352 |
| Bedford Park | $1,865 |
| Beecher | $1,704 |
| Beecher City | $1,927 |
| Belknap | $2,443 |
| Belle Rive | $2,289 |
| Belleville | $1,945 |
| Bellevue | $1,723 |
| Bellmont | $2,506 |
| Bellwood | $1,747 |
| Belvidere | $1,619 |
| Bement | $1,807 |
| Benld | $1,920 |
| Bensenville | $1,547 |
| Benson | $1,760 |
| Benton | $2,309 |
| Berkeley | $1,658 |
| Berwick | $1,917 |
| Berwyn | $1,643 |
| Bethalto | $1,981 |
| Bethany | $1,828 |
| Bingham | $2,041 |
| Bishop Hill | $1,836 |
| Bismarck | $1,875 |
| Blackstone | $1,702 |
| Blandinsville | $1,938 |
| Bloomingdale | $1,619 |
| Bloomington | $1,738 |
| Blue Island | $1,787 |
| Blue Mound | $1,868 |
| Bluff Springs | $2,268 |
| Bluffs | $1,969 |
| Bluford | $2,300 |
| Boles | $2,650 |
| Bolingbrook | $1,656 |
| Bolivia | $1,977 |
| Bondville | $1,672 |
| Bone Gap | $2,105 |
| Bonfield | $1,835 |
| Bonnie | $2,325 |
| Boody | $2,251 |
| Boulder Hill | $1,558 |
| Bourbonnais | $1,719 |
| Bowen | $1,962 |
| Braceville | $1,692 |
| Bradford | $1,846 |
| Bradley | $1,731 |
| Braidwood | $1,727 |
| Breese | $1,948 |
| Bridgeport | $1,999 |
| Bridgeview | $1,675 |
| Brighton | $2,010 |
| Brimfield | $1,788 |
| Bristol | $1,573 |
| Broadlands | $1,734 |
| Broadview | $1,717 |
| Brocton | $1,999 |
| Brookfield | $1,585 |
| Brooklyn | $2,139 |
| Brookport | $2,351 |
| Broughton | $2,350 |
| Browns | $2,175 |
| Brownstown | $1,991 |
| Brussels | $1,971 |
| Bryant | $2,300 |
| Buckingham | $1,874 |
| Buckley | $1,702 |
| Buckner | $2,298 |
| Buda | $1,845 |
| Buffalo | $1,965 |
| Buffalo Grove | $1,617 |
| Buffalo Prairie | $2,271 |
| Bulpitt | $1,913 |
| Buncombe | $2,455 |
| Bunker Hill | $1,999 |
| Burbank | $1,688 |
| Bureau | $2,242 |
| Burlington | $2,218 |
| Burnham | $2,552 |
| Burnt Prairie | $2,190 |
| Burr Ridge | $1,509 |
| Bushnell | $1,836 |
| Butler | $2,150 |
| Byron | $1,636 |
| Cabery | $1,776 |
| Cahokia | $2,271 |
| Cairo | $2,314 |
| Calhoun | $2,228 |
| Calumet City | $1,848 |
| Calumet Park | $1,824 |
| Camargo | $1,779 |
| Cambria | $2,273 |
| Cambridge | $1,878 |
| Camden | $1,911 |
| Cameron | $1,902 |
| Camp Grove | $2,230 |
| Camp Point | $2,020 |
| Campbell Hill | $2,351 |
| Campton Hills | $1,550 |
| Campus | $2,177 |
| Canton | $1,816 |
| Cantrall | $1,906 |
| Capron | $1,708 |
| Carbon Cliff | $1,765 |
| Carbondale | $2,246 |
| Carlinville | $1,960 |
| Carlock | $1,707 |
| Carlyle | $1,964 |
| Carmi | $2,206 |
| Carol Stream | $1,718 |
| Carpentersville | $1,630 |
| Carrier Mills | $2,314 |
| Carterville | $2,265 |
| Carthage | $1,911 |
| Cary | $1,641 |
| Casey | $1,987 |
| Caseyville | $2,222 |
| Castleton | $2,231 |
| Catlin | $1,781 |
| Cedar Point | $2,202 |
| Cedarville | $2,172 |
| Central City | $2,050 |
| Centralia | $1,992 |
| Centreville | $2,304 |
| Cerro Gordo | $1,832 |
| Chadwick | $1,745 |
| Chambersburg | $1,918 |
| Champaign | $1,611 |
| Chana | $1,796 |
| Channahon | $1,721 |
| Channel Lake | $1,742 |
| Charleston | $1,720 |
| Chatham | $1,764 |
| Chenoa | $1,691 |
| Cherry | $2,246 |
| Cherry Valley | $1,593 |
| Chester | $1,954 |
| Chesterfield | $2,153 |
| Chestnut | $1,954 |
| Chicago | $2,307 |
| Chicago Heights | $1,787 |
| Chicago Ridge | $1,678 |
| Chillicothe | $1,708 |
| Chrisman | $1,918 |
| Christopher | $2,294 |
| Cicero | $1,736 |
| Cisco | $1,926 |
| Cisne | $2,250 |
| Cissna Park | $1,739 |
| Clare | $1,757 |
| Claremont | $2,051 |
| Clarendon Hills | $1,479 |
| Clayton | $1,975 |
| Claytonville | $2,205 |
| Clifton | $1,748 |
| Clinton | $1,836 |
| Coal City | $1,691 |
| Coal Valley | $1,815 |
| Coatsburg | $1,995 |
| Cobden | $2,344 |
| Coello | $2,628 |
| Coffeen | $2,014 |
| Colchester | $1,908 |
| Colfax | $1,660 |
| Collinsville | $1,951 |
| Collison | $1,899 |
| Colona | $1,797 |
| Colp | $2,656 |
| Columbia | $1,853 |
| Colusa | $2,289 |
| Compton | $1,731 |
| Congerville | $1,714 |
| Cooksville | $1,684 |
| Cornell | $1,759 |
| Cornland | $2,288 |
| Cortland | $1,554 |
| Cottage Hills | $1,969 |
| Coulterville | $2,056 |
| Country Club Hills | $1,803 |
| Countryside | $1,584 |
| Cowden | $1,910 |
| Crainville | $2,267 |
| Crescent City | $1,711 |
| Crest Hill | $1,620 |
| Creston | $2,143 |
| Crestwood | $1,888 |
| Crete | $1,709 |
| Creve Coeur | $1,705 |
| Cropsey | $1,689 |
| Crossville | $2,241 |
| Crystal Lake | $1,642 |
| Crystal Lawns | $1,674 |
| Cuba | $1,909 |
| Cullom | $1,731 |
| Cutler | $2,108 |
| Cypress | $2,437 |
| Dahinda | $1,854 |
| Dakota | $1,747 |
| Dalton City | $1,867 |
| Dalzell | $1,715 |
| Dana | $1,720 |
| Danvers | $1,703 |
| Danville | $1,762 |
| Darien | $1,507 |
| Davis | $1,607 |
| Davis Junction | $1,693 |
| Dawson | $1,945 |
| De Land | $1,819 |
| De Soto | $2,279 |
| De Witt | $1,872 |
| Decatur | $1,764 |
| Deer Grove | $1,837 |
| Deer Park | $1,643 |
| Deerfield | $1,680 |
| DeKalb | $1,526 |
| Delavan | $1,847 |
| Dennison | $2,159 |
| DePue | $2,242 |
| Des Plaines | $1,637 |
| Dewey | $1,755 |
| Diamond | $1,691 |
| Dieterich | $1,899 |
| Dix | $2,329 |
| Dixmoor | $1,861 |
| Dixon | $1,633 |
| Dolton | $1,852 |
| Dongola | $2,407 |
| Donnellson | $1,976 |
| Donovan | $1,807 |
| Dorsey | $2,048 |
| Dover | $1,733 |
| Dow | $1,985 |
| Dowell | $2,648 |
| Downers Grove | $1,509 |
| Downs | $1,663 |
| Du Quoin | $2,109 |
| Dundas | $2,146 |
| Dunfermline | $2,302 |
| Dunlap | $1,685 |
| Dupo | $2,056 |
| Durand | $1,649 |
| Dwight | $1,665 |
| Eagarville | $2,343 |
| Earlville | $1,712 |
| East Alton | $1,969 |
| East Carondelet | $2,078 |
| East Dubuque | $1,724 |
| East Dundee | $1,624 |
| East Galesburg | $1,812 |
| East Hazel Crest | $1,788 |
| East Lynn | $2,231 |
| East Moline | $1,757 |
| East Peoria | $1,730 |
| East St. Louis | $2,322 |
| Easton | $1,886 |
| Eddyville | $2,377 |
| Edelstein | $1,812 |
| Edgewood | $1,880 |
| Edinburg | $1,973 |
| Edwards | $1,739 |
| Edwardsville | $1,937 |
| Effingham | $1,754 |
| Elburn | $1,577 |
| Eldena | $2,178 |
| Eldorado | $2,275 |
| Eldred | $2,078 |
| Eleroy | $2,155 |
| Elgin | $1,618 |
| Elizabeth | $1,765 |
| Elizabethtown | $2,366 |
| Elk Grove Village | $1,577 |
| Elkville | $2,337 |
| Ellery | $2,311 |
| Elliott | $2,161 |
| Ellisville | $1,873 |
| Ellsworth | $1,735 |
| Elmhurst | $1,495 |
| Elmwood | $1,732 |
| Elmwood Park | $1,640 |
| Elvaston | $2,011 |
| Elwin | $2,271 |
| Elwood | $1,735 |
| Emden | $1,846 |
| Emington | $1,673 |
| Emma | $2,585 |
| Energy | $2,274 |
| Eola | $2,128 |
| Esmond | $1,716 |
| Essex | $1,817 |
| Eureka | $1,668 |
| Evanston | $1,711 |
| Evansville | $2,022 |
| Evergreen Park | $1,720 |
| Ewing | $2,339 |
| Fairbury | $1,664 |
| Fairfield | $2,225 |
| Fairmont | $1,671 |
| Fairmont City | $2,350 |
| Fairmount | $1,807 |
| Fairview Heights | $2,000 |
| Farina | $2,024 |
| Farmer City | $1,784 |
| Farmersville | $1,969 |
| Farmington | $1,832 |
| Fenton | $1,811 |
| Ferris | $2,308 |
| Fiatt | $2,284 |
| Fidelity | $1,984 |
| Fieldon | $1,985 |
| Findlay | $1,816 |
| Fisher | $1,685 |
| Fithian | $1,846 |
| Flanagan | $1,705 |
| Flat Rock | $2,110 |
| Flora | $2,100 |
| Flossmoor | $1,724 |
| Foosland | $1,767 |
| Ford Heights | $1,791 |
| Forest City | $1,912 |
| Forest Lake | $1,709 |
| Forest Park | $1,705 |
| Forest View | $1,638 |
| Forrest | $1,720 |
| Forreston | $1,692 |
| Forsyth | $1,738 |
| Fort Sheridan | $1,730 |
| Fowler | $2,051 |
| Fox Lake | $1,735 |
| Fox Lake Hills | $1,703 |
| Fox River Grove | $1,640 |
| Fox Valley | $2,173 |
| Frankfort | $1,666 |
| Frankfort Heights | $2,626 |
| Frankfort Square | $1,668 |
| Franklin Grove | $1,705 |
| Franklin Park | $1,639 |
| Frederick | $1,891 |
| Freeburg | $1,982 |
| Freeman Spur | $2,626 |
| Freeport | $1,587 |
| Fulton | $1,651 |
| Fults | $2,078 |
| Gages Lake | $1,644 |
| Galatia | $2,351 |
| Galena | $1,703 |
| Galesburg | $1,769 |
| Galt | $2,161 |
| Galva | $1,812 |
| Garden Prairie | $1,693 |
| Gardner | $1,746 |
| Gays | $1,863 |
| Geff | $2,274 |
| Geneseo | $1,797 |
| Geneva | $1,527 |
| Genoa | $1,559 |
| Georgetown | $1,791 |
| Gerlaw | $1,883 |
| German Valley | $1,668 |
| Germantown | $1,975 |
| Germantown Hills | $1,707 |
| Gibson City | $1,645 |
| Gifford | $1,632 |
| Gilberts | $1,647 |
| Gillespie | $1,960 |
| Gilman | $1,707 |
| Gilson | $1,900 |
| Girard | $1,922 |
| Glasford | $1,795 |
| Glen Carbon | $1,947 |
| Glen Ellyn | $1,498 |
| Glenarm | $1,890 |
| Glencoe | $1,669 |
| Glendale Heights | $1,571 |
| Glenview | $1,566 |
| Glenwood | $1,747 |
| Godfrey | $1,961 |
| Golconda | $2,347 |
| Golden | $2,010 |
| Golden Eagle | $2,118 |
| Golden Gate | $2,224 |
| Golf | $1,618 |
| Good Hope | $1,961 |
| Goodfield | $1,675 |
| Goodwine | $2,189 |
| Goreville | $2,298 |
| Gorham | $2,296 |
| Grafton | $2,117 |
| Grand Ridge | $1,734 |
| Grandview | $1,788 |
| Grandwood Park | $1,669 |
| Granite City | $2,003 |
| Grant Park | $1,758 |
| Grantsburg | $2,393 |
| Granville | $1,669 |
| Graymont | $1,708 |
| Grayslake | $1,618 |
| Grayville | $2,194 |
| Great Lakes | $1,664 |
| Green Oaks | $1,604 |
| Green Valley | $1,860 |
| Greenfield | $2,060 |
| Greenup | $1,947 |
| Greenview | $1,931 |
| Greenville | $1,921 |
| Greenwood | $1,653 |
| Griggsville | $1,914 |
| Gurnee | $1,639 |
| Hagaman | $2,153 |
| Hagarstown | $2,324 |
| Hainesville | $1,614 |
| Hamburg | $1,981 |
| Hamel | $2,453 |
| Hamilton | $1,883 |
| Hammond | $1,810 |
| Hampshire | $1,637 |
| Hampton | $1,741 |
| Hanna City | $1,801 |
| Hanover Park | $1,603 |
| Hardin | $1,984 |
| Harrisburg | $2,250 |
| Harrison | $2,287 |
| Harristown | $2,270 |
| Hartford | $1,980 |
| Hartsburg | $1,849 |
| Harvard | $1,716 |
| Harvey | $1,930 |
| Harwood Heights | $1,615 |
| Havana | $1,852 |
| Hawthorn Woods | $1,689 |
| Hazel Crest | $1,789 |
| Hebron | $1,688 |
| Hecker | $1,840 |
| Hennepin | $1,762 |
| Henning | $2,236 |
| Henry | $1,717 |
| Heritage Lake | $1,719 |
| Herod | $2,450 |
| Herrin | $2,295 |
| Herscher | $1,820 |
| Hettick | $1,994 |
| Heyworth | $1,628 |
| Hickory Hills | $1,646 |
| Hidalgo | $2,093 |
| Highland | $1,992 |
| Highland Park | $1,733 |
| Highwood | $1,646 |
| Hillsboro | $1,943 |
| Hillsdale | $1,918 |
| Hillside | $1,612 |
| Hillview | $2,066 |
| Hinckley | $1,583 |
| Hindsboro | $1,774 |
| Hines | $1,741 |
| Hinsdale | $1,704 |
| Hodgkins | $1,593 |
| Hoffman | $2,395 |
| Hoffman Estates | $1,626 |
| Holcomb | $2,167 |
| Holiday Shores | $1,956 |
| Homer | $1,713 |
| Homer Glen | $1,608 |
| Hometown | $1,707 |
| Homewood | $1,779 |
| Hoopeston | $1,724 |
| Hooppole | $1,856 |
| Hopkins Park | $2,248 |
| Hoyleton | $2,167 |
| Hudson | $1,594 |
| Huey | $2,350 |
| Hull | $1,963 |
| Humboldt | $1,838 |
| Hume | $1,830 |
| Huntley | $1,649 |
| Hurst | $2,676 |
| Hutsonville | $1,966 |
| Illinois City | $1,983 |
| Illiopolis | $1,915 |
| Ina | $2,263 |
| Indian Head Park | $1,585 |
| Indianola | $1,869 |
| Ingalls Park | $1,732 |
| Ingleside | $1,747 |
| Ingraham | $2,105 |
| Inverness | $1,602 |
| Ipava | $1,912 |
| Iroquois | $2,190 |
| Irvington | $2,499 |
| Island Lake | $1,659 |
| Itasca | $1,557 |
| Ivesdale | $1,710 |
| Jacksonville | $1,850 |
| Jacob | $2,309 |
| Janesville | $2,388 |
| Jerome | $1,789 |
| Jerseyville | $1,939 |
| Jewett | $2,073 |
| Johnsburg | $1,642 |
| Johnsonville | $2,277 |
| Johnston City | $2,275 |
| Joliet | $1,671 |
| Jonesboro | $2,386 |
| Joppa | $2,658 |
| Joy | $1,918 |
| Junction | $2,432 |
| Justice | $1,640 |
| Kampsville | $1,997 |
| Kane | $2,137 |
| Kaneville | $2,157 |
| Kankakee | $1,754 |
| Kansas | $1,879 |
| Karbers Ridge | $2,631 |
| Kasbeer | $2,248 |
| Keenes | $2,291 |
| Keensburg | $2,510 |
| Keithsburg | $1,899 |
| Kell | $2,180 |
| Kempton | $1,750 |
| Kenilworth | $1,615 |
| Kenney | $1,921 |
| Kent | $1,660 |
| Kewanee | $1,770 |
| Keyesport | $1,981 |
| Kildeer | $1,692 |
| Kincaid | $1,889 |
| Kinderhook | $2,016 |
| Kingston Mines | $2,209 |
| Kinmundy | $2,161 |
| Kinsman | $1,802 |
| Kirkland | $1,580 |
| Kirkwood | $1,827 |
| Knollwood | $1,664 |
| Knoxville | $1,808 |
| La Fayette | $1,834 |
| La Grange | $1,585 |
| La Grange Park | $1,598 |
| La Place | $2,286 |
| La Prairie | $1,992 |
| La Rose | $2,200 |
| LaClede | $1,880 |
| Lacon | $1,751 |
| Ladd | $1,707 |
| Lafox | $2,146 |
| Lake Barrington | $1,649 |
| Lake Bluff | $1,670 |
| Lake Forest | $1,664 |
| Lake Fork | $2,286 |
| Lake Holiday | $1,635 |
| Lake in the Hills | $1,658 |
| Lake of the Woods | $1,621 |
| Lake Petersburg | $1,911 |
| Lake Villa | $1,705 |
| Lake Zurich | $1,706 |
| Lakemoor | $1,670 |
| Lakewood | $1,639 |
| Lakewood Shores | $1,755 |
| Lanark | $1,722 |
| Lane | $2,293 |
| Lansing | $1,719 |
| LaSalle | $1,665 |
| Latham | $1,842 |
| Laura | $1,882 |
| Lawndale | $1,770 |
| Lawrenceville | $2,051 |
| Le Roy | $1,641 |
| Lebanon | $1,965 |
| Lee | $1,759 |
| Lee Center | $2,199 |
| Leland | $1,708 |
| Leland Grove | $1,783 |
| Lemont | $1,598 |
| Lena | $1,634 |
| Lenzburg | $2,065 |
| Leonore | $2,195 |
| Lerna | $1,918 |
| Lewistown | $1,898 |
| Lexington | $1,674 |
| Libertyville | $1,603 |
| Lima | $2,350 |
| Lincoln | $1,751 |
| Lincoln's New Salem | $2,303 |
| Lincolnshire | $1,651 |
| Lincolnwood | $1,610 |
| Lindenhurst | $1,704 |
| Lindenwood | $1,679 |
| Lisle | $1,579 |
| Litchfield | $1,954 |
| Literberry | $2,321 |
| Little York | $1,849 |
| Littleton | $1,997 |
| Liverpool | $1,838 |
| Livingston | $2,437 |
| Loami | $1,951 |
| Lockport | $1,669 |
| Loda | $1,729 |
| Logan | $2,623 |
| Lomax | $1,993 |
| Lombard | $1,540 |
| London Mills | $1,876 |
| Long Grove | $1,660 |
| Long Lake | $1,671 |
| Long Point | $1,810 |
| Longview | $1,833 |
| Loraine | $2,022 |
| Lostant | $1,779 |
| Louisville | $2,146 |
| Lovejoy | $2,118 |
| Loves Park | $1,632 |
| Lowder | $2,340 |
| Lowpoint | $1,859 |
| Lynn Center | $1,938 |
| Lynwood | $1,789 |
| Lyons | $1,604 |
| Macedonia | $2,384 |
| Machesney Park | $1,621 |
| Mackinaw | $1,722 |
| Macomb | $1,839 |
| Macon | $1,866 |
| Madison | $2,097 |
| Maeystown | $2,272 |
| Magnolia | $1,732 |
| Mahomet | $1,622 |
| Malden | $1,804 |
| Malta | $1,624 |
| Manchester | $2,348 |
| Manhattan | $1,716 |
| Manito | $1,869 |
| Manlius | $2,243 |
| Mansfield | $1,732 |
| Manteno | $1,735 |
| Maple Park | $1,617 |
| Mapleton | $1,751 |
| Marengo | $1,667 |
| Marietta | $1,951 |
| Marine | $2,039 |
| Marion | $2,260 |
| Marissa | $2,080 |
| Mark | $2,198 |
| Markham | $1,863 |
| Maroa | $1,840 |
| Marquette Heights | $1,739 |
| Marseilles | $1,698 |
| Marshall | $2,065 |
| Martinsville | $2,075 |
| Maryville | $1,968 |
| Mascoutah | $1,985 |
| Mason | $1,922 |
| Mason City | $1,892 |
| Matherville | $1,842 |
| Matteson | $1,668 |
| Mattoon | $1,680 |
| Maunie | $2,596 |
| Maywood | $1,755 |
| Mazon | $1,753 |
| McConnell | $1,714 |
| McHenry | $1,640 |
| McLean | $1,736 |
| McLeansboro | $2,292 |
| McNabb | $1,812 |
| Mechanicsburg | $1,977 |
| Medinah | $1,560 |
| Medora | $2,005 |
| Melrose Park | $1,665 |
| Melvin | $1,678 |
| Menard | $2,316 |
| Mendon | $1,969 |
| Mendota | $1,673 |
| Meredosia | $1,880 |
| Merna | $2,192 |
| Merrionette Park | $1,721 |
| Metamora | $1,709 |
| Metcalf | $1,951 |
| Metropolis | $2,264 |
| Mettawa | $1,662 |
| Michael | $2,052 |
| Middletown | $1,883 |
| Midlothian | $1,691 |
| Milan | $1,810 |
| Milford | $1,766 |
| Mill Shoals | $2,280 |
| Millbrook | $2,139 |
| Milledgeville | $1,713 |
| Miller City | $2,389 |
| Millington | $1,639 |
| Millstadt | $2,010 |
| Milmine | $1,860 |
| Mineral | $1,773 |
| Minier | $1,801 |
| Minonk | $1,730 |
| Minooka | $1,694 |
| Mitchell | $2,000 |
| Mode | $2,323 |
| Modesto | $2,042 |
| Modoc | $2,035 |
| Mokena | $1,622 |
| Moline | $1,761 |
| Momence | $1,781 |
| Monee | $1,722 |
| Monmouth | $1,805 |
| Monroe Center | $1,684 |
| Montgomery | $1,569 |
| Monticello | $1,764 |
| Montrose | $1,941 |
| Mooseheart | $1,553 |
| Morris | $1,724 |
| Morrison | $1,674 |
| Morrisonville | $1,977 |
| Morton | $1,696 |
| Morton Grove | $1,571 |
| Mossville | $1,698 |
| Mound City | $2,297 |
| Mounds | $2,414 |
| Mount Auburn | $1,950 |
| Mount Carmel | $2,025 |
| Mount Carroll | $1,721 |
| Mount Erie | $2,243 |
| Mount Morris | $1,623 |
| Mount Olive | $1,958 |
| Mount Prospect | $1,558 |
| Mount Pulaski | $1,859 |
| Mount Sterling | $1,879 |
| Mount Vernon | $2,149 |
| Mount Zion | $1,797 |
| Moweaqua | $1,923 |
| Mozier | $1,989 |
| Muddy | $2,623 |
| Mulberry Grove | $2,119 |
| Mulkeytown | $2,390 |
| Muncie | $2,250 |
| Mundelein | $1,670 |
| Murdock | $2,254 |
| Murphysboro | $2,288 |
| Nachusa | $2,177 |
| Naperville | $1,532 |
| Nashville | $2,100 |
| Nason | $2,596 |
| National Stock Yards | $2,458 |
| Nauvoo | $1,921 |
| Nebo | $2,042 |
| Neoga | $1,876 |
| Neponset | $1,813 |
| New Athens | $1,994 |
| New Baden | $1,948 |
| New Bedford | $1,849 |
| New Berlin | $1,915 |
| New Burnside | $2,356 |
| New Canton | $1,956 |
| New Douglas | $2,079 |
| New Haven | $2,227 |
| New Holland | $1,878 |
| New Lenox | $1,597 |
| New Memphis | $2,353 |
| New Milford | $1,645 |
| New Salem | $2,043 |
| New Windsor | $1,913 |
| Newark | $1,661 |
| Newman | $1,737 |
| Newton | $1,964 |
| Niantic | $1,845 |
| Niles | $1,586 |
| Nilwood | $1,964 |
| Niota | $1,958 |
| Noble | $2,120 |
| Nokomis | $1,963 |
| Nora | $2,202 |
| Normal | $1,603 |
| Norridge | $1,612 |
| Norris | $2,297 |
| Norris City | $2,269 |
| North Aurora | $1,576 |
| North Barrington | $1,652 |
| North Chicago | $1,677 |
| North City | $2,313 |
| North Pekin | $1,740 |
| North Riverside | $1,626 |
| North Utica | $1,713 |
| Northbrook | $1,597 |
| Northfield | $1,599 |
| Northlake | $1,671 |
| O'Fallon | $1,988 |
| Oak Brook | $1,807 |
| Oak Forest | $1,679 |
| Oak Lawn | $1,658 |
| Oak Park | $1,655 |
| Oakbrook Terrace | $1,519 |
| Oakdale | $2,262 |
| Oakford | $1,954 |
| Oakland | $1,762 |
| Oakwood | $1,805 |
| Oakwood Hills | $1,643 |
| Odell | $1,718 |
| Odin | $2,113 |
| Oglesby | $1,664 |
| Ohlman | $2,346 |
| Okawville | $2,079 |
| Olive Branch | $2,710 |
| Olivet | $1,862 |
| Olmsted | $2,353 |
| Olney | $1,987 |
| Olympia Fields | $1,717 |
| Onarga | $1,723 |
| Oneida | $1,844 |
| Opdyke | $2,290 |
| Ophiem | $1,913 |
| Oquawka | $1,888 |
| Orangeville | $1,672 |
| Oraville | $2,638 |
| Oreana | $1,836 |
| Oregon | $1,632 |
| Orient | $2,647 |
| Orion | $1,886 |
| Orland Hills | $1,589 |
| Orland Park | $1,557 |
| Oswego | $1,560 |
| Ottawa | $1,659 |
| Owaneco | $1,979 |
| Palatine | $1,578 |
| Palestine | $1,985 |
| Palmer | $2,003 |
| Palmyra | $2,081 |
| Paloma | $1,961 |
| Palos Heights | $1,614 |
| Palos Hills | $1,630 |
| Palos Park | $1,593 |
| Pana | $1,928 |
| Panama | $2,360 |
| Papineau | $2,194 |
| Paris | $1,878 |
| Park City | $1,700 |
| Park Forest | $1,663 |
| Park Ridge | $1,596 |
| Parkersburg | $2,232 |
| Patoka | $2,155 |
| Patterson | $2,379 |
| Paw Paw | $1,659 |
| Pawnee | $1,902 |
| Paxton | $1,635 |
| Payson | $2,016 |
| Pearl | $2,071 |
| Pearl City | $1,676 |
| Pecatonica | $1,701 |
| Pekin | $1,742 |
| Pembroke Township | $1,866 |
| Penfield | $1,829 |
| Peoria | $1,702 |
| Peoria Heights | $1,655 |
| Peotone | $1,738 |
| Percy | $1,982 |
| Perks | $2,648 |
| Perry | $1,881 |
| Peru | $1,620 |
| Petersburg | $1,915 |
| Philo | $1,688 |
| Phoenix | $1,938 |
| Piasa | $2,139 |
| Pierron | $2,346 |
| Pinckneyville | $2,139 |
| Piper City | $1,667 |
| Pistakee Highlands | $1,638 |
| Pittsburg | $2,341 |
| Pittsfield | $1,924 |
| Plainfield | $1,641 |
| Plainville | $2,006 |
| Plano | $1,602 |
| Plato Center | $2,185 |
| Pleasant Hill | $1,932 |
| Pleasant Plains | $1,918 |
| Plymouth | $1,969 |
| Pocahontas | $2,007 |
| Polo | $1,658 |
| Pomona | $2,441 |
| Pontiac | $1,625 |
| Pontoon Beach | $2,000 |
| Poplar Grove | $1,629 |
| Port Barrington | $1,688 |
| Port Byron | $1,802 |
| Posen | $1,818 |
| Potomac | $1,805 |
| Prairie du Rocher | $2,035 |
| Prairie Grove | $1,631 |
| Preemption | $2,265 |
| Prestbury | $1,587 |
| Preston Heights | $1,735 |
| Princeton | $1,729 |
| Prophetstown | $1,700 |
| Prospect Heights | $1,591 |
| Putnam | $1,785 |
| Quincy | $1,888 |
| Radom | $2,468 |
| Raleigh | $2,409 |
| Rankin | $1,760 |
| Ransom | $1,767 |
| Rantoul | $1,600 |
| Rapids City | $2,266 |
| Raritan | $1,884 |
| Raymond | $2,009 |
| Red Bud | $1,899 |
| Reddick | $1,861 |
| Redmon | $2,313 |
| Renault | $2,283 |
| Reynolds | $1,929 |
| Richmond | $1,674 |
| Richton Park | $1,661 |
| Ridge Farm | $1,863 |
| Rinard | $2,336 |
| Ringwood | $1,683 |
| River Forest | $1,659 |
| River Grove | $1,622 |
| Riverdale | $1,844 |
| Riverside | $1,615 |
| Riverton | $1,846 |
| Riverwoods | $1,702 |
| Robbins | $1,769 |
| Roberts | $1,719 |
| Robinson | $1,907 |
| Roby | $1,977 |
| Rochelle | $1,605 |
| Rochester | $1,852 |
| Rock City | $1,674 |
| Rock Falls | $1,616 |
| Rock Island | $1,757 |
| Rockbridge | $2,076 |
| Rockdale | $1,729 |
| Rockford | $1,633 |
| Rockport | $2,156 |
| Rockton | $1,591 |
| Rockwood | $2,134 |
| Rolling Meadows | $1,581 |
| Rome | $1,710 |
| Romeoville | $1,671 |
| Roodhouse | $2,057 |
| Rosamond | $1,984 |
| Roscoe | $1,635 |
| Roselle | $1,567 |
| Rosemont | $1,647 |
| Roseville | $1,887 |
| Rosewood Heights | $1,972 |
| Rosiclare | $2,362 |
| Rossville | $1,814 |
| Round Lake | $1,668 |
| Round Lake Beach | $1,675 |
| Round Lake Heights | $1,672 |
| Round Lake Park | $1,670 |
| Roxana | $1,947 |
| Royal | $2,158 |
| Royalton | $2,313 |
| Rushville | $1,921 |
| Russell | $2,280 |
| Rutland | $1,711 |
| Sailor Springs | $2,534 |
| Salem | $2,057 |
| San Jose | $1,925 |
| Sandoval | $2,150 |
| Sandwich | $1,589 |
| Sauk Village | $1,790 |
| Savanna | $1,674 |
| Savoy | $1,604 |
| Sawyerville | $1,921 |
| Saybrook | $1,680 |
| Scales Mound | $1,756 |
| Schaumburg | $1,596 |
| Scheller | $2,326 |
| Schiller Park | $1,662 |
| Schram City | $1,944 |
| Sciota | $1,976 |
| Scott Air Force Base | $1,983 |
| Seaton | $1,874 |
| Seatonville | $2,241 |
| Secor | $1,775 |
| Seneca | $1,739 |
| Sesser | $2,321 |
| Seward | $2,166 |
| Seymour | $1,670 |
| Shannon | $1,701 |
| Shawneetown | $2,277 |
| Sheffield | $1,782 |
| Shelbyville | $1,852 |
| Sheldon | $1,739 |
| Sheridan | $1,727 |
| Sherman | $1,775 |
| Sherrard | $1,854 |
| Shiloh | $1,959 |
| Shirland | $2,162 |
| Shirley | $1,750 |
| Shobonier | $2,183 |
| Shorewood | $1,688 |
| Shumway | $1,882 |
| Sibley | $1,701 |
| Sidell | $1,861 |
| Sidney | $1,698 |
| Silvis | $1,738 |
| Sims | $2,324 |
| Skokie | $1,592 |
| Sleepy Hollow | $1,617 |
| Smithboro | $2,041 |
| Smithfield | $1,861 |
| Smithshire | $1,931 |
| Smithton | $1,973 |
| Somonauk | $1,600 |
| Sorento | $1,968 |
| South Barrington | $1,633 |
| South Beloit | $1,597 |
| South Chicago Heights | $1,785 |
| South Elgin | $1,607 |
| South Holland | $1,783 |
| South Jacksonville | $1,849 |
| South Pekin | $1,772 |
| South Roxana | $1,998 |
| South Suburban | $2,246 |
| South Wilmington | $2,257 |
| Southern View | $1,821 |
| Sparland | $1,807 |
| Sparta | $1,949 |
| Speer | $1,783 |
| Spring Grove | $1,654 |
| Spring Valley | $1,689 |
| Springerton | $2,202 |
| Springfield | $1,801 |
| St. Anne | $1,814 |
| St. Augustine | $1,938 |
| St. Charles | $1,536 |
| St. David | $2,311 |
| St. Elmo | $1,876 |
| St. Francisville | $2,105 |
| St. Joseph | $1,631 |
| St. Libory | $2,390 |
| St. Peter | $1,972 |
| Standard | $2,195 |
| Stanford | $1,715 |
| Staunton | $1,948 |
| Ste. Marie | $2,346 |
| Steeleville | $1,955 |
| Steger | $1,748 |
| Sterling | $1,629 |
| Steward | $1,788 |
| Stewardson | $1,883 |
| Stickney | $1,684 |
| Stillman Valley | $1,624 |
| Stockland | $2,189 |
| Stockton | $1,766 |
| Stone Park | $1,660 |
| Stonington | $1,977 |
| Stoy | $2,376 |
| Strasburg | $1,883 |
| Strawn | $1,696 |
| Streamwood | $1,615 |
| Streator | $1,698 |
| Stronghurst | $1,886 |
| Sugar Grove | $1,587 |
| Sullivan | $1,725 |
| Summerfield | $2,375 |
| Summit | $1,633 |
| Summit Argo | $1,638 |
| Sumner | $2,069 |
| Sun River Terrace | $1,810 |
| Sutter | $2,133 |
| Swansea | $1,932 |
| Sycamore | $1,538 |
| Table Grove | $1,906 |
| Tallula | $1,974 |
| Tamaroa | $2,187 |
| Tampico | $1,710 |
| Taylor Ridge | $1,935 |
| Taylor Springs | $2,374 |
| Taylorville | $1,900 |
| Techny | $2,209 |
| Teutopolis | $1,779 |
| Texico | $2,348 |
| Thawville | $1,719 |
| Thayer | $1,875 |
| The Galena Territory | $1,696 |
| Thebes | $2,471 |
| Thomasboro | $1,599 |
| Thompsonville | $2,394 |
| Thomson | $1,717 |
| Thornton | $1,743 |
| Tilden | $2,348 |
| Tilton | $1,762 |
| Timewell | $1,993 |
| Tinley Park | $1,594 |
| Tiskilwa | $1,843 |
| Toledo | $1,996 |
| Tolono | $1,652 |
| Toluca | $1,683 |
| Tonica | $1,754 |
| Topeka | $1,890 |
| Toulon | $1,792 |
| Tovey | $2,344 |
| Tower Hill | $1,934 |
| Tower Lakes | $1,647 |
| Tremont | $1,780 |
| Trenton | $1,951 |
| Trilla | $1,852 |
| Triumph | $2,200 |
| Troy | $1,969 |
| Troy Grove | $2,204 |
| Tuscola | $1,684 |
| Twin Grove | $1,635 |
| Ullin | $2,348 |
| Union | $1,668 |
| Union Hill | $2,247 |
| Unity | $2,664 |
| University Park | $1,758 |
| Urbana | $1,622 |
| Valier | $2,664 |
| Valmeyer | $1,959 |
| Van Orin | $2,242 |
| Vandalia | $1,935 |
| Varna | $1,731 |
| Venetian Village | $1,704 |
| Venice | $2,110 |
| Vermilion | $2,273 |
| Vermont | $1,890 |
| Vernon | $2,322 |
| Vernon Hills | $1,673 |
| Verona | $1,826 |
| Vienna | $2,352 |
| Villa Grove | $1,731 |
| Villa Park | $1,522 |
| Viola | $1,889 |
| Virden | $1,861 |
| Virginia | $1,942 |
| Wadsworth | $1,673 |
| Waggoner | $1,993 |
| Walnut Hill | $2,322 |
| Walsh | $2,093 |
| Walshville | $2,013 |
| Waltonville | $2,343 |
| Wamac | $1,993 |
| Warren | $1,740 |
| Warrensburg | $1,842 |
| Warrenville | $1,571 |
| Warsaw | $1,927 |
| Wasco | $2,146 |
| Washburn | $1,709 |
| Washington | $1,731 |
| Washington Park | $2,339 |
| Wataga | $1,848 |
| Waterloo | $1,926 |
| Waterman | $1,636 |
| Watseka | $1,660 |
| Watson | $1,879 |
| Wauconda | $1,699 |
| Waukegan | $1,681 |
| Waverly | $1,950 |
| Wayne | $1,570 |
| Wayne City | $2,249 |
| Wedron | $2,161 |
| Weldon | $1,866 |
| Wellington | $1,745 |
| Wenona | $1,693 |
| West Brooklyn | $1,742 |
| West Chicago | $1,589 |
| West City | $2,315 |
| West Dundee | $1,623 |
| West Frankfort | $2,283 |
| West Liberty | $1,996 |
| West Peoria | $1,718 |
| West Point | $1,966 |
| West Salem | $2,199 |
| West Union | $2,063 |
| West York | $2,014 |
| Westchester | $1,589 |
| Western Springs | $1,592 |
| Westfield | $2,003 |
| Westmont | $1,536 |
| Westville | $1,770 |
| Wheaton | $1,509 |
| Wheeler | $2,051 |
| Wheeling | $1,590 |
| White Hall | $2,114 |
| White Heath | $1,811 |
| Whittington | $2,288 |
| Williamsfield | $1,825 |
| Williamsville | $1,847 |
| Willisville | $2,500 |
| Willow Springs | $1,596 |
| Willowbrook | $1,568 |
| Wilmette | $1,602 |
| Wilmington | $1,756 |
| Wilsonville | $2,370 |
| Winchester | $1,990 |
| Winfield | $1,524 |
| Winnebago | $1,636 |
| Winnetka | $1,608 |
| Winthrop Harbor | $1,667 |
| Witt | $1,990 |
| Wolf Lake | $2,343 |
| Wonder Lake | $1,652 |
| Wood Dale | $1,562 |
| Wood River | $1,960 |
| Woodhull | $1,870 |
| Woodland | $2,181 |
| Woodlawn | $2,296 |
| Woodridge | $1,575 |
| Woodson | $2,310 |
| Woodstock | $1,657 |
| Woosung | $2,157 |
| Worden | $2,038 |
| Worth | $1,648 |
| Wrights | $2,391 |
| Wyanet | $1,760 |
| Wyoming | $1,764 |
| Yale | $2,004 |
| Yates City | $1,849 |
| Yorkville | $1,614 |
| Zeigler | $2,306 |
| Zion | $1,662 |
Home and auto insurance bundling in Illinois
How can you get cheap home insurance in Illinois? One way is by bundling your auto insurance and home insurance policies.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $1,762 | $1,593 | $169 | 9.6% |
Home insurance discounts in Illinois
Using the discounts provided by your insurer is another way by which you can buy cheap home insurance in Illinois. But ensure to check which discounts you qualify for.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| American Family | ✓ | ✓ | - | ✓ | - | ✓ |
| Erie | ✓ | - | - | - | - | - |
| Lemonade | ✓ | ✓ | - | - | - | ✓ |
Comparing common features across top companies
Are you trying to buy the best homeowners insurance in Illinois? Then check whether your insurer offers these features.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| American Family | ✓ | Optional | Optional | ✓ | No |
| Erie | Optional | Optional | Optional | ✓ | ✓ |
| Lemonade | ✓ | Optional | Optional | ✓ | ✓ |
Common causes of home insurance claims in Illinois
These are a few reasons that lead to home insurance claims in the state.
- Hail: Your home's exterior may sustain substantial damage during hail storms, allowing rain to enter.
- Wind: In Illinois, severe summer storms occur frequently. With roughly two times as many claims of wind damage as hail reports, the state has one of the highest rates of severe storms. Wind damage to your home's roof and windows can damage its interior badly.
- Flooding: The probability of flood damage is higher than average in many counties in Illinois. Flood damage can drain your wallet if you don't have flood insurance; even one inch of water might cost $25,000 in repairs.
- Burglary and theft: Because of the high population density in the Chicago area, break-ins may be more frequent. Installing a home security system can help secure your property and frequently results in home insurance savings.
Does homeowners insurance cover flooding in Illinois?
It is a fact that homeowners insurance does not cover flood damage. So you must purchase flood insurance via the National Flood Insurance Program (NFIP) of FEMA or a private insurer to protect your house against flood damage. The coverage from private flood insurers may vary; however, NFIP flood insurance offers the following coverage.
- Your home's structure - $250,000
- Personal property - $100,000
Do homeowners insurance cover tornadoes in Illinois?
Ideally, wind causes tornado damage. Around 54 tornadoes hit the state every year. Ensure your current policy includes windstorm protection, a common feature in most standard policies.
The exterior and overall structure of a building gets covered by wind protection. However, damage to the building's interior might only get covered when exterior damage brings it, such as a broken window, depending on the type of policy you have. Detached buildings are also protected, typically up to 10% of the value of your policy.
It's crucial to remember that some damages caused by the storm don't get coverage. For instance, unless you have purchased flood insurance, your home won't be insured if the same storm that caused the tornado also results in floods that damage it.
Factors that affect home insurance rates in Illinois
Do you want to buy cheap home insurance in Illinois? Then check for these factors before buying one.
- Your location: Factors like your ZIP Code and the area theft rate impact the cost of homeowners insurance in Illinois.
- Replacement cost: The cost of homeowners insurance in Illinois varies depending on local labor and construction material costs.
- Age/condition : Older properties will cost more to insure than newer properties.
- Claims history: If you frequently submit claims, insurers will view you as a risk. Expect your insurance premiums to increase then.
- Credit history: Most insurers will verify your credit score before offering you home insurance coverage. If your credit score is low, be prepared to spend more for homeowners insurance in Illinois.
- Dog breed: Many insurance companies label some dog breeds 'dangerous.' If your insurer values your dog in this way, the price of Illinois home insurance will increase.
Tips for buying homeowners insurance
Are you looking to find the best home insurance in Illinois? Then follow these tips!
- Assess your rebuilding costs: Consult an insurance agent or a builder to see how much it would cost to rebuild your house with affordable building materials and local labor.
- Review the advantage of replacement cost over actual cash value: It may be necessary to buy replacement cost insurance for your house and other possessions.
- Consider add-on coverage for your expensive items: If you own expensive items like high-end technology, sporting equipment, musical instruments, or old antiquities, you'll require personal property coverage.
- Evaluate your liability coverage needs: Determine the necessary minimum liability insurance limit you require.
- Assess coverage gaps: Many insurance companies provide higher coverage limits for landscaping elements like trees and bushes.
- Check financial ratings: Ratings from organizations like AM Best and Standard & Poor's may be available for all home insurers. For instance, some firms won't let you apply for a mortgage if your insurer doesn't have a minimum 'A' financial strength rating.
- Check for discounts: Use all the discounts the insurer offers that you qualify for.
- Compare quotes from various insurance companies: Illinois homeowners insurance premiums may vary depending on the insurer. To find the best home insurance policy in Illinois, you must compare quotes from several insurers.
Most common disasters in Illinois
Disasters by month
According to FEMA, June has been Illinois's hardest month for declared disasters, with 11 disasters. Also, a resident can expect severe weather in March, April, and May.
| Month | Number of disasters |
|---|---|
| January | 4 |
| February | 2 |
| March | 10 |
| April | 9 |
| May | 8 |
| June | 11 |
| July | 4 |
| August | 5 |
| September | 5 |
| October | 2 |
| November | 1 |
| December | 2 |
Disasters by year
According to FEMA, an average of 1-2 declared disasters affect Illinois residents yearly.
| Year | Number of disasters |
|---|---|
| 2001 | 2 |
| 2002 | 1 |
| 2003 | 1 |
| 2004 | 1 |
| 2005 | 2 |
| 2006 | 2 |
| 2007 | 3 |
| 2008 | 4 |
| 2009 | 2 |
| 2010 | 1 |
| 2011 | 2 |
| 2012 | 0 |
| 2013 | 2 |
| 2014 | 0 |
| 2015 | 0 |
| 2016 | 0 |
| 2017 | 0 |
| 2018 | 0 |
| 2019 | 1 |
| 2020 | 2 |
How to get Illinois home insurance with Way.com
The average home insurance cost in Illinois is around $1,762 yearly. However, finding more reasonably priced homeowners insurance in Illinois is still possible. But how can you get one? That's where Way.com can help you!
You have to use our website or app to find quotes from all insurance companies in the state. Then you must compare the quotes and buy a policy with the most reasonable rate. Do you need additional help? Then our home insurance agents in the state can guide you. They will help you understand Illinois' home insurance laws, the most complex insurance terms, discounts, and coverages.
So, contact our insurance agents in your state if you want to buy the best home insurance in Illinois.
Home Insurance Data Methodology
The home insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
FAQs
How much is homeowners insurance in Illinois?
On average, homeowners insurance in Illinois costs around $1,762 yearly.
How much is homeowners insurance a month in Illinois?
Home insurance in Illinois costs around $146.8 annually.
Does Illinois require homeowners insurance?
No. The state doesn't mandate homeowners insurance. But your mortgage provider will probably need it for you to obtain a loan.
What is the average home insurance cost in Chicago?
Home insurance in Chicago costs nearly $2,307 annually.
How much home insurance do I need?
It is ultimately up to you how much home insurance you require. You'll pay a higher monthly premium for a policy with bigger limits. Still, you'll also get better protection in case of a disaster. Also, ensure to get all coverages you need with the policy. Ultimately, buy a policy based on the coverage level you require.
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