Best homeowners insurance companies in Illinois: Auto-Owners

The best home insurance company in Illinois for 2024 is Auto-Owners. State Farm, Country Financial, Nationwide, Allstate, Farmers, American Family, and Travelers are among the top home insurance companies in Colorado based on price, NAIC complaints, and AM Best financial ratings.

The total score is calculated out of five using these factors.

Best home insurance in Illinois
CompanyAM BestNAIC complaint scoreAverage annual rate
State FarmA++0.834.50$2,089
Country FinancialA+0.264.26$3,561
American FamilyA0.803.46$5,088
Data updated in 2024

Cheapest home insurance companies in Illinois: Allstate

Below are Illinois home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible.

Based on our analysis, Allstate is the cheapest home insurance company for all coverage levels. At $1,753 per year, Allstate offers the most affordable home insurance for $300,000 dwelling coverage, one of the most preferred coverage limits.

Cheapest home insurance in Illinois
State Farm$1,644$2,089$2,348$3,017$4,215
Country Financial$2,819$3,561$4,214$5,812$9,029
American Family$4,036$5,088$6,081$7,981$10,690

*USAA only provides coverage to military members, veterans, and their families.

Data updated in 2024

Average home insurance cost in Illinois

The average cost of homeowners insurance in Illinois is $3,062 a year or $255 a month. This is based on coverage of:

  • $300,000 dwelling
  • $300,000 liability
  • $1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Illinois homeowners insurance companies to get the best deal.

Illinois home insurance rates by ZIP code

Home insurance rates can vary depending on where the home is located. We compared home insurance rates by ZIP code in Illinois to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see that area's average home insurance rate. You will also see the highest and lowest premiums from major home insurers. Comparing home insurance rates will give you an idea of how much you can save.

Home insurance calculator

Average home insurance rates in Texas
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77586El Lago$9,906

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data updated in 2024

The most expensive ZIP codes in Illinois for home insurance

Illinois homeowners insurance rates are the most expensive for ZIP code 60636 with an average annual cost of $4,612.

The most expensive ZIP codes in Illinois are:

ZIP codeAverage annual rate
Data updated in 2024

The least expensive ZIP codes in Illinois for home insurance

The cheapest ZIP codes for home insurance in Illinois are:

ZIP codeAverage annual rate
Data updated in 2024

Home insurance FAQs

Do I need flood insurance in Illinois?

Floods are not covered by standard homeowners insurance, so if you live in a high-risk area, you must buy flood insurance. You can purchase a policy through a private insurance company or the National Flood Insurance Program (NFIP).

Is homeowners insurance required in Illinois?

There is no law requiring home insurance in Illinois or any state. However, your mortgage company will require you to carry insurance. It's up to you once your home is paid off, but canceling home insurance is never recommended.

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