Best and cheapest homeowners insurance in Illinois for 2024

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 Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska

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Best home insurance in Illinois
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
Auto-Owners	A++	0.37	4.87	$2,239
State Farm	A++	0.83	4.50	$2,089
Country Financial	A+	0.26	4.26	$3,561
Nationwide	A+	1.05	3.88	$2,068
Allstate	A+	1.46	3.58	$1,753
Farmers	A	0.67	3.48	$3,273
American Family	A	0.80	3.46	$5,088
Travelers	A++	1.10	2.58	$7,861

Read our methodology

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
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
Allstate	$1,548	$1,753	$1,965	$2,465	$3,492
Nationwide	$1,686	$2,068	$2,491	$3,453	$5,866
State Farm	$1,644	$2,089	$2,348	$3,017	$4,215
Auto-Owners	$1,811	$2,239	$2,654	$3,337	$7,099
USAA*	$1,724	$2,243	$2,681	$3,493	$4,993
Farmers	$2,419	$3,273	$4,211	$6,150	$9,667
Country Financial	$2,819	$3,561	$4,214	$5,812	$9,029
American Family	$4,036	$5,088	$6,081	$7,981	$10,690
Travelers	$6,667	$7,861	$9,185	$13,401	$20,802

Read our methodology

*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 $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 by ZIP code

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive
Least expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Read our methodology

The Illinois Department of Insurance says...

If you cannot find homeowners insurance, talk to your insurance agent 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 Insurance

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 code	Average annual rate
60636	$4,612
60624	$4,572
60609	$4,408
60637	$4,367
60619	$4,311
60651	$4,283

Read our methodology

The least expensive ZIP codes in Illinois for home insurance

The cheapest ZIP codes for home insurance in Illinois are:

ZIP code	Average annual rate
61702	$2,332
60522	$2,355
60183	$2,380
60144	$2,383
61871	$2,394
61424	$2,398

Read our methodology

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.

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Average annual premium

$2,684

$3,734

County	Average annual premium	Average monthly premium
Adams	$3,218	$268
Alexander	$3,586	$299
Bond	$3,336	$278
Boone	$2,777	$231
Brown	$3,221	$268
Bureau	$2,837	$236
Calhoun	$3,303	$275
Carroll	$2,813	$234
Cass	$3,076	$256
Champaign	$2,750	$229
Christian	$3,149	$262
Clark	$3,085	$257
Clay	$3,277	$273
Clinton	$3,318	$276
Coles	$2,950	$246
Cook	$3,168	$264
Crawford	$3,077	$256
Cumberland	$3,017	$251
De Witt	$2,800	$233
DeKalb	$2,700	$225
Douglas	$2,886	$240
DuPage	$2,684	$224
Edgar	$2,976	$248
Edwards	$3,351	$279
Effingham	$3,161	$263
Fayette	$3,249	$271
Ford	$2,870	$239
Franklin	$3,594	$299
Fulton	$2,960	$247
Gallatin	$3,373	$281
Greene	$3,255	$271
Grundy	$2,897	$241
Hamilton	$3,634	$303
Hancock	$3,111	$259
Hardin	$3,521	$293
Henderson	$3,169	$264
Henry	$2,939	$245
Iroquois	$2,866	$239
Jackson	$3,664	$305
Jasper	$3,136	$261
Jefferson	$3,483	$290
Jersey	$3,359	$280
Jo Daviess	$2,834	$236
Johnson	$3,633	$303
Kane	$2,695	$225
Kankakee	$2,876	$240
Kendall	$2,762	$230
Knox	$3,043	$254
Lake	$2,855	$238
LaSalle	$2,836	$236
Lawrence	$3,176	$265
Lee	$2,738	$228
Livingston	$2,874	$240
Logan	$2,994	$250
Macon	$2,881	$240
Macoupin	$3,357	$280
Madison	$3,458	$288
Marion	$3,322	$277
Marshall	$2,803	$234
Mason	$3,134	$261
Massac	$3,494	$291
McDonough	$3,107	$259
McHenry	$2,743	$229
McLean	$2,694	$224
Menard	$3,123	$260
Mercer	$3,098	$258
Monroe	$3,174	$264
Montgomery	$3,303	$275
Morgan	$3,137	$261
Moultrie	$3,014	$251
Ogle	$2,735	$228
Peoria	$2,897	$241
Perry	$3,456	$288
Piatt	$2,969	$247
Pike	$3,144	$262
Pope	$3,566	$297
Pulaski	$3,663	$305
Putnam	$2,831	$236
Randolph	$3,398	$283
Richland	$3,076	$256
Rock Island	$2,915	$243
Saline	$3,636	$303
Sangamon	$2,883	$240
Schuyler	$3,141	$262
Scott	$3,029	$252
Shelby	$3,170	$264
St. Clair	$3,476	$290
Stark	$2,943	$245
Stephenson	$2,786	$232
Tazewell	$2,932	$244
Union	$3,734	$311
Vermilion	$2,865	$239
Wabash	$3,052	$254
Warren	$3,086	$257
Washington	$3,394	$283
Wayne	$3,473	$289
White	$3,311	$276
Whiteside	$2,780	$232
Will	$2,897	$241
Williamson	$3,614	$301
Winnebago	$2,746	$229
Woodford	$2,861	$238

Read our methodology

Methodology

Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 20,739,560 insurance quotes from 81 insurance companies across 34,588 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.

Frequently asked questions about Illinois homeowners insurance

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.