Best Homeowners Insurance Companies in Illinois (2026)
The best home insurance companies in Illinois include American Family, Erie, and State Farm.
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Written byCarley Clark
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Carley Clark is a freelance financial writer based in Michigan. She has written for several well-known brands, including Benzinga, CNN Underscored, GOBankingRates, and FinanceBuzz. Carley earned her bachelor’s degree in business from Spring Arbor University in 2018 and later worked as a revenue auditor for a casino before transitioning to writing. Outside of work, she enjoys reading, playing video games, and going for walks with her dog.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Data reviewed byAndrew Huang
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Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Table of contents
Owning a home in Illinois means preparing for severe storms, brutal winters, and the occasional flooded basement. The average cost of homeowners insurance in Illinois is $2,160 per year, according to Insurify data. In comparison, the national average is $2,544 per year, so your location and the amount of coverage you need can really affect your premium.
With much of the state prone to severe weather, it’s important to choose a policy that covers these risks. In this article, we’ll look at which companies offer the best homeowners insurance in Illinois, how to determine the amount of coverage you need, and local risks to consider.
Quick Facts
State Farm, Allstate, and Farmers are among Illinois’ best home insurance companies.
Allstate offers the most affordable premiums in the state, with coverage averaging at $77 per month.
A policy in Illinois with $300,000 in dwelling coverage costs an average of $180 per month.
Best home insurance companies in Illinois
You can find many quality insurers across the state, but the best homeowners insurance companies in Illinois depend on your budget and coverage needs. That said, the insurers below are Insuify’s top picks based on rates, customer satisfaction, coverage options, claims process, and more.
State Farm: Best for severe storms
State FarmCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $138/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $184/mo |
Illinois frequently experiences severe storms that can damage your home through hail, tornadoes, lightning, or strong winds. State Farm holds an A+ (Superior) Financial Strength Rating (FSR) from AM Best, reflecting its ability to pay out claims after a major storm.
State Farm also scores well for customer satisfaction in J.D. Power studies. The company even has a catastrophe response team that can deploy after a disaster to help policyholders file claims.
Pros
Dedicated catastrophe response team
Above-average customer satisfaction rating from J.D. Power
Excellent mobile app ratings
Cons
May be more expensive than competitors
Below-average claims satisfaction rating from J.D. Power
Higher-than-average number of complaints filed with the National Association of Insurance Commissioners (NAIC)
Allstate: Best for flooding
AllstateCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $77/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $89/mo |
Flooding is another common concern in Illinois, due to its extensive river systems. While Allstate, like most insurers, doesn’t include flood coverage in its standard home policy, you can purchase it through the company’s partner, Beyond Floods.
Allstate also provides educational resources to help homeowners understand the Federal Emergency Management Agency’s (FEMA) flood maps and learn how to protect their property from flooding. Its premiums are more affordable than those of many of their competitors, and the insurer offers several discounts that can help you save even more.
Pros
Affordable premiums and multiple discounts available
Great mobile app ratings
24/7 customer support
Cons
Below-average customer and claims satisfaction rating from J.D. Power
High number of complaints filed with the NAIC
Some customers report substantial rate increases
American Family: Best for winter weather
winter weather
American Family
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $192/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $309/mo |
Serving much of the Midwest, American Family has extensive experience with winter risks, making it a front-runner for the best homeowners insurance in Illinois. Standard policies cover ice storms, frozen interior plumbing, and damage from the weight of ice and snow.
American Family ranked highly in J.D. Power’s Property Claims Satisfaction Study, which indicates a smooth claims process after winter losses.
Pros
Above-average claims satisfaction rating from J.D. Power
Several discounts available
Excellent Trustpilot customer review score
Cons
Available in only 19 states
Higher average premiums than some competitors
Below-average customer satisfaction rating from J.D. Power
Erie: Best for older homes
Erie InsuranceCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $262/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $367/mo |
Illinois has many aging properties, particularly in the Chicago metropolitan area, where the median build year is 1952, according to the Chicago Metropolitan Agency for Planning. That means rebuilding after a total loss often costs more than expected due to custom construction material and required code upgrades.
Erie offers guaranteed replacement cost coverage that pays to rebuild your home at today’s costs, even if it exceeds your coverage limit. The company also has a few local agents and offices in Illinois.
Pros
Replacement coverage available
High ratings for customer and claims satisfaction from J.D. Power
Lower-than-average number of NAIC complaints
Cons
Higher premiums than some competitors
Limited discounts available
Online quotes not available
Farmers: Best for affordability
affordability
Farmers
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $88/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $141/mo |
If finding affordable home insurance is your priority, Farmers offers some of the lowest average premiums in the state. The insurer also provides multiple ways to save, including discounts for bundling policies, staying claims-free, going paperless, paying your bills on time, and installing certain home safety features.
Farmers also offers custom endorsements, such as medical payments coverage, guaranteed replacement cost, and umbrella insurance.
Pros
Affordable premiums with several available discounts
Lower-than-average number of complaints filed with the NAIC
Excellent mobile app ratings
Cons
Below-average customer and claims satisfaction rating from J.D. Power
24/7 customer support for claims only
Some customers report substantial rate increases
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Illinois to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Illinois
To find the best home insurance rates, you should request and compare quotes from multiple insurers. Below are some of the cheapest home insurance companies in the state, with Allstate offering the lowest premiums.
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company  | Average Annual Premium |
|---|---|
| Allstate | $924 |
| Farmers | $1,056 |
| USAA | $1,176 |
| Travelers | $1,428 |
| Westfield | $1,476 |
| State Farm | $1,656 |
| American Family | $2,304 |
| Auto-Owners | $2,412 |
| Chubb | $2,448 |
| Encompass | $2,808 |
| Foremost | $3,132 |
| Erie | $3,144 |
| COUNTRY Financial | $3,420 |
Find Cheap Home Insurance in Illinois
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How much does homeowners insurance cost in Illinois?
Home insurance in Illinois costs an average of $180 per month, or $2,160 per year. But insurers look at several factors to determine your rate, including:[1]
Your ZIP code
Home age and construction type
Deductible and coverage limits
Weather risks
Flood exposure
Credit-based insurance score
Claims history
For example, insurers look at your location, down to the ZIP code, to see how close you are to fire stations, if you’re in a flood zone, what the theft rates in your area look like, and more.
Every insurer weighs these factors differently, so to get a closer estimate of what your actual premium will be, you should request quotes from multiple insurance companies. Then you can compare rates and coverage to find the best deal.
Cheapest home insurance companies in Illinois by dwelling coverage
Your dwelling coverage pays to rebuild the structure of your home. The most common coverage amount is $300,000, but the amount you need will depend on the value of your home. Below are some of the cheapest home insurance companies in Illinois by dwelling coverage.
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Farmers | $756 |
| Allstate | $852 |
| USAA | $972 |
| Travelers | $1,068 |
| State Farm | $1,308 |
| Westfield | $1,320 |
| American Family | $1,560 |
| Chubb | $1,776 |
| Auto-Owners | $1,824 |
| Erie | $2,112 |
| Foremost | $2,136 |
| Encompass | $2,292 |
| COUNTRY Financial | $2,568 |
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $924 |
| Farmers | $1,056 |
| USAA | $1,176 |
| Travelers | $1,428 |
| Westfield | $1,476 |
| State Farm | $1,656 |
| American Family | $2,304 |
| Auto-Owners | $2,412 |
| Chubb | $2,448 |
| Encompass | $2,808 |
| Foremost | $3,132 |
| Erie | $3,144 |
| COUNTRY Financial | $3,420 |
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $1,068 |
| USAA | $1,596 |
| Farmers | $1,692 |
| Westfield | $2,040 |
| State Farm | $2,208 |
| Travelers | $2,208 |
| Auto-Owners | $3,600 |
| Chubb | $3,660 |
| American Family | $3,708 |
| Encompass | $3,756 |
| Erie | $4,404 |
| COUNTRY Financial | $5,172 |
| Foremost | $5,196 |
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $1,344 |
| USAA | $2,004 |
| Farmers | $2,460 |
| State Farm | $2,760 |
| Westfield | $2,916 |
| Travelers | $3,144 |
| Encompass | $4,836 |
| American Family | $5,040 |
| Auto-Owners | $5,172 |
| Chubb | $5,340 |
| Erie | $6,252 |
| COUNTRY Financial | $7,656 |
| Foremost | $7,776 |
Illinois homeowners insurance cost by city
Illinois homeowners insurance rates can vary dramatically between cities. Factors such as weather and flood risk, crime rates, proximity to a fire station, and much more can influence your premiums.
For example, home insurance in Chicago may be more expensive than in cities like Springfield or Rockford. Higher replacement costs and increased claims risk can contribute to higher insurance costs in urban areas.
Here’s how rates across Illinois vary, according to Insurify data.
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Rockford | $1,944 |
| Springfield | $1,980 |
| Peoria | $1,992 |
| Saint Louis | $2,340 |
| Chicago | $2,388 |
What homeowners should know about insurance in Illinois
When shopping for the best homeowners insurance in Illinois, you should consider the following risks that the state regularly faces:
Severe storms
Severe storms are the most common destructive events in Illinois, according to the National Centers for Environmental Information. From 1980 to 2024, the state experienced 92 severe storms that each resulted in at least $1 billion in damages.[2]
Homeowners insurance coverage usually protects against damage from severe storms, including wind, fallen trees, lightning, and hail.[3] Insurers typically don’t cover flood damage, so you may need to buy separate flood insurance for this coverage.[4]
Winter weather
The Illinois Emergency Management Agency says severe winter storms put 100% of its residents at risk. Heavy snowfall and freezing temperatures can result in burst pipes, collapsed roofs, and ice dams. While home insurance typically covers these damages, it’s important to read your policy carefully to make sure you’re protected.
You should also take proper measures, like heating your home and clearing snow, to prevent damage during severe winter storms. If you don’t perform standard maintenance, your insurer could deny your claim.
Flooding
Due to Illinois’ extensive system of inland rivers, lakes, and streams, almost 15% of the state’s land is subject to flooding.[5] Since standard homeowners insurance doesn’t cover flooding, it’s important to weigh whether you should purchase additional coverage.
You can check FEMA’s flood maps to see whether you’re in a flood-prone area. If you are, you can purchase flood insurance through the National Flood Insurance Program or through some private insurers.
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How much homeowners insurance do you need in Illinois?
Illinois law doesn’t require you to carry home insurance coverage, but your lender may require it if you have a mortgage. In general, you want to have coverage for at least 80% of the replacement cost of your home; otherwise, your insurer may not fully pay out your claims.
To get a rough estimate of the replacement cost of your home, multiply the square footage of your home by local per-square-foot building costs. You can find that number by talking to a real estate agent, your insurance agent, or a local builders association.[6]
When shopping for Illinois home insurance, you should read the policy details carefully. That way, you’ll understand what your home insurance covers and avoid unexpected out-of-pocket costs. A typical home insurance policy usually includes the following:[7]
Dwelling coverage
Dwelling coverage pays for repairs to your home’s structure, such as replacing your roof after hail damage.
Personal property coverage
Personal property coverage reimburses you for the cost of destroyed or lost belongings, like furniture, clothing, and electronics.
Liability coverage
Personal liability helps with expenses if someone takes legal action against you for bodily injuries or property damage that happened on your property.
Additional living expenses
Also known as loss of use, this insurance covers things like hotel bills, meals, and laundry if you can’t stay in your home after a qualifying event.
How to contact the Illinois Department of Insurance
The Illinois Department of Insurance regulates and oversees insurance companies operating within the state. On its website, you can file a complaint, look up company licenses, view Illinois rate filings, and more.
If you have a question or concern related to Illinois home insurance, you can contact the department at 1 (866) 445-5364 or at [email protected].
Illinois homeowners insurance FAQs
If you own property in Illinois, the following information can help you learn more about purchasing homeowners insurance coverage in your state.
Homeowners insurance in Illinois costs an average of $180 per month, or $2,160 per year, according to Insurify data. Your actual premium will depend on your location, coverage options, claims history, home age, construction type, and more.
The cheapest home insurance company in Illinois is Allstate, with premiums of $77 per month.
No. But while Illinois doesn’t require home insurance coverage, mortgage lenders typically mandate it. Even if you’ve paid off your house, homeowners insurance helps protect your investment.
You can often lower your home insurance costs by comparing quotes, raising your deductible, bundling policies, and installing certain safety features.
After a covered loss, homeowners insurance in Illinois can pay to repair or replace your home and belongings. It can also cover liability claims and additional living expenses.
While premiums vary, a standard homeowners insurance policy on a $400,000 house costs an average of $224 per month, or $2,688 per year, according to Insurify data.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- Naic.org. "Why Are My Insurance Premiums Increasing?."
- NOAA. "Illinois Summary."
- III. "Which disasters are covered by homeowners insurance?."
- III. "What is covered by standard homeowners insurance?."
- Illinois.gov. "The National Flood Insurance Program (NFIP)."
- III. "How much homeowners insurance do I need?."
- III. "Homeowners Insurance Basics."
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Carley Clark
Carley Clark is a freelance financial writer based in Michigan. She has written for several well-known brands, including Benzinga, CNN Underscored, GOBankingRates, and FinanceBuzz. Carley earned her bachelor’s degree in business from Spring Arbor University in 2018 and later worked as a revenue auditor for a casino before transitioning to writing. Outside of work, she enjoys reading, playing video games, and going for walks with her dog.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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