Best homeowners insurance company in Illinois: Auto-Owners
The best home insurance company in Illinois for 2026 is Auto-Owners. Allstate, Travelers, State Farm, and Farmers are among the top home insurance companies in Illinois based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance company in Illinois: Auto-Owners
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, Auto-Owners is the cheapest home insurance company for all coverage levels. At $1,217 per year, Auto-Owners offers the most affordable home insurance for $300,000 in dwelling coverage, our sample level. It's also the cheapest at other coverage levels.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Allstate | $1,425 | $1,513 | $1,567 | $1,764 | $2,304 |
| American Family | $7,144 | $9,179 | $10,869 | $14,337 | $18,059 |
| Auto-Owners | $931 | $1,217 | $1,470 | $1,928 | $2,829 |
| Country Financial | $3,564 | $4,429 | $5,179 | $7,273 | $10,008 |
| Farmers | $2,715 | $3,697 | $4,686 | $6,828 | $10,552 |
| State Farm | $2,034 | $2,568 | $2,863 | $3,583 | $4,659 |
| Travelers | $2,315 | $2,800 | $3,274 | $4,347 | $6,402 |
| USAA | $1,797 | $2,293 | $2,717 | $3,469 | $3,956 |
*USAA only provides coverage to military members, veterans, and their families.
Average home insurance cost in Illinois
The average cost of homeowners insurance in Illinois is $2,802 per year, or $233 per 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 by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
The Illinois Department of Insurance says...
If you cannot find homeowners insurance, talk to your insurance agent about the Illinois Fair Plan. To qualify for coverage with the FAIR Plan, you must have three unsuccessful attempts to buy property coverage from insurance companies and your property must meet basic fire, loss prevention, and safety standards.
- The Illinois Department of InsuranceThe most expensive ZIP codes in Illinois for home insurance
Illinois homeowners insurance rates are the most expensive for ZIP code 60621, with an average annual cost of $4,396.
The most expensive ZIP codes in Illinois are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Chicago | 60621 | $4,396 |
| Chicago | 60644 | $4,333 |
| Chicago | 60636 | $4,271 |
| Chicago | 60637 | $4,196 |
| Chicago | 60609 | $4,194 |
| Chicago | 60624 | $4,154 |
| Cahokia | 62206 | $4,111 |
| East St. Louis | 62205 | $4,107 |
| East St. Louis | 62201 | $4,094 |
| Chicago | 60619 | $4,066 |
The least expensive ZIP codes in Illinois for home insurance
The cheapest ZIP codes for home insurance in Illinois are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Lyons | 60534 | $2,285 |
| Midlothian | 60445 | $2,286 |
| Cortland | 60112 | $2,291 |
| La Grange Park | 60526 | $2,298 |
| DeKalb | 60115 | $2,304 |
| Normal | 61790 | $2,308 |
| Le Roy | 61752 | $2,311 |
| Western Springs | 60558 | $2,313 |
| Savoy | 61874 | $2,315 |
| Sycamore | 60178 | $2,316 |
Illinois homeowners insurance rates by county
Home insurance rates in Illinois vary by county. Take a look at the average rates by county in Illinois below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Adams | $2,755 | $230 |
| Alexander | $3,743 | $312 |
| Bond | $3,064 | $255 |
| Boone | $2,455 | $205 |
| Brown | $2,720 | $227 |
| Bureau | $2,621 | $218 |
| Calhoun | $2,871 | $239 |
| Carroll | $2,498 | $208 |
| Cass | $2,717 | $226 |
| Champaign | $2,394 | $199 |
| Christian | $2,819 | $235 |
| Clark | $2,693 | $224 |
| Clay | $2,987 | $249 |
| Clinton | $3,067 | $256 |
| Coles | $2,620 | $218 |
| Cook | $2,895 | $241 |
| Crawford | $2,823 | $235 |
| Cumberland | $2,769 | $231 |
| De Witt | $2,414 | $201 |
| DeKalb | $2,365 | $197 |
| Douglas | $2,647 | $221 |
| DuPage | $2,508 | $209 |
| Edgar | $2,742 | $228 |
| Edwards | $2,946 | $246 |
| Effingham | $2,685 | $224 |
| Fayette | $2,820 | $235 |
| Ford | $2,599 | $217 |
| Franklin | $3,759 | $313 |
| Fulton | $2,748 | $229 |
| Gallatin | $3,252 | $271 |
| Greene | $2,906 | $242 |
| Grundy | $2,802 | $233 |
| Hamilton | $3,703 | $309 |
| Hancock | $2,740 | $228 |
| Hardin | $3,521 | $293 |
| Henderson | $2,766 | $230 |
| Henry | $2,630 | $219 |
| Iroquois | $2,603 | $217 |
| Jackson | $3,723 | $310 |
| Jasper | $2,900 | $242 |
| Jefferson | $2,975 | $248 |
| Jersey | $2,965 | $247 |
| Jo Daviess | $2,535 | $211 |
| Johnson | $3,650 | $304 |
| Kane | $2,603 | $217 |
| Kankakee | $2,762 | $230 |
| Kendall | $2,635 | $220 |
| Knox | $2,724 | $227 |
| Lake | $2,677 | $223 |
| LaSalle | $2,564 | $214 |
| Lawrence | $2,879 | $240 |
| Lee | $2,420 | $202 |
| Livingston | $2,586 | $215 |
| Logan | $2,602 | $217 |
| Macon | $2,600 | $217 |
| Macoupin | $3,009 | $251 |
| Madison | $3,152 | $263 |
| Marion | $2,909 | $242 |
| Marshall | $2,612 | $218 |
| Mason | $2,794 | $233 |
| Massac | $3,370 | $281 |
| McDonough | $2,703 | $225 |
| McHenry | $2,614 | $218 |
| McLean | $2,354 | $196 |
| Menard | $2,702 | $225 |
| Mercer | $2,762 | $230 |
| Monroe | $3,004 | $250 |
| Montgomery | $3,011 | $251 |
| Morgan | $2,761 | $230 |
| Moultrie | $2,684 | $224 |
| Ogle | $2,424 | $202 |
| Peoria | $2,630 | $219 |
| Perry | $2,987 | $249 |
| Piatt | $2,683 | $224 |
| Pike | $2,700 | $225 |
| Pope | $3,702 | $309 |
| Pulaski | $3,593 | $299 |
| Putnam | $2,582 | $215 |
| Randolph | $3,002 | $250 |
| Richland | $2,790 | $232 |
| Rock Island | $2,663 | $222 |
| Saline | $3,730 | $311 |
| Sangamon | $2,473 | $206 |
| Schuyler | $2,702 | $225 |
| Scott | $2,833 | $236 |
| Shelby | $2,755 | $230 |
| St. Clair | $3,309 | $276 |
| Stark | $2,688 | $224 |
| Stephenson | $2,479 | $207 |
| Tazewell | $2,640 | $220 |
| Union | $3,644 | $304 |
| Vermilion | $2,581 | $215 |
| Wabash | $3,019 | $252 |
| Warren | $2,684 | $224 |
| Washington | $3,005 | $250 |
| Wayne | $3,076 | $256 |
| White | $3,053 | $254 |
| Whiteside | $2,536 | $211 |
| Will | $2,657 | $221 |
| Williamson | $3,776 | $315 |
| Winnebago | $2,465 | $205 |
| Woodford | $2,517 | $210 |
Compare homeowners insurance rates by city in Illinois
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. Take a look at average rates for various cities in Illinois below.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
FAQ: Illinois homeowners insurance
Do I need flood insurance in Illinois?
Yes, if you are in a flood zone, and you should consider it even if you aren't. Floods are not covered by standard homeowners insurance. You can purchase a policy through a private insurance company or the National Flood Insurance Program (NFIP).
Is homeowners insurance required in Illinois?
No. 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.
Compare Illinois homeowners insurance rates with other states
