Popular Questions about Illinois Home Insurance

In Illinois, the average annual home insurance premium is $1,056, coming in just below the national number of $1,211 per year. Your home insurance costs could be higher or lower than these figures and will depend on your individual exposures.

The state of Illinois does not mandate homeowners insurance by law. However, if you have a mortgage, lienholder, or additional interest on your property, you'll be required to carry coverage. With Illinois having $1.96 billion paid out for home claims in just one year, it makes sense to have proper protection to avoid major financial loss.

In Illinois, you'll have your pick of carriers. The top 10 homeowners insurance companies to consider in Illinois are:

Illinois home insurance carriers look at personal and local risk factors when calculating your premiums. Check out the information Illinois insurance companies use to rate your home policy:

  • Replacement cost of home
  • Coverages selected
  • Past claims reported
  • Local crime rates
  • Natural disaster losses in the area

Yes, Illinois has 1,184 independent insurance agencies that can help with home coverage. They shop with local highly rated markets so that you get the best policy for an affordable price. 

Your Illinois homeowners insurance will come with standard protection against fire, theft, vandalism, and natural disasters. Coverages are categorized under dwelling value, other structures, personal property, liability, medical payments, and additional living expenses. To save money on home insurance, speak with your adviser about a burglar alarm, an updated roof, and multiple policy discounts.

Do You Know What Your Illinois Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries (per 1k residents)
Aurora$979$184,4002.19
Bloomington$912$164,3003.75
Carbondale$949$127,17812.7
Champaign$989$162,0006.32
Chicago$1,309$243,9005.34
Cook County$1,244$234,4005.02
Decatur$845$78,3008.66
DuPage County$1,329$300,0002.51
Evanston$1,389$380,3004.41
Fox Lake$981$152,7652.65
Joliet$1,094$174,7003.49
Kane County$1,221$232,7003.07
Lake County$1,291$264,6002.7
Mt. Vernon$860$78,42012.16
Naperville$1,544$421,4001.21
Orland Park$1,276$291,2400.46
Peoria$953$130,50010.46
Rockford$889$89,20011.41
Schaumburg$1,250$232,5001.95
Springfield$959$131,8009.48
Tinley Park$1,258$235,0401.78
Will County$1,219$224,6002.35
  1. $109
  2. Chicago, IL Monthly average home insurance cost
  3. Average monthly cost of home insurance in Chicago: $109
  4. Of course, Chicago is a large city, and though the average home value is higher than the state average, your house may be valued significantly higher or lower. This can play a large role in how your rates are calculated. 
  5. Also, the safety of your neighborhood is an important factor in determining costs. The property crime rate in Chicago is higher than the state average, which could increase premiums in some of this city’s ZIP codes. Fortunately, in addition to covering you against weather-related damage to your home, your home insurance policy can provide compensation for loss or damage caused by property crimes.


  1. $82
  2. Aurora, IL Monthly average home insurance cost
  3. Average monthly cost of home insurance in Aurora: $82
  4. Your home insurance could be less or more, depending on several factors like the size of your house, your credit score, your home's building materials, and the crime rate in your ZIP code.
  5. Physical damage to your property can come from a number of incidents and unfortunate scenarios. A fire, a break-in, or a bad winter storm can all happen without warning. Your homeowners insurance should cover you against the financial losses brought about by these risks and compensate you in a timely manner.


  1. $75
  2. Rockford, IL Monthly average home insurance cost
  3. Average monthly cost of home insurance in Rockford: $75
  4. Your actual rate will be determined by factors unique to you and your house. These may include the age, size, and building materials of your home, your claims history, and your credit score. 
  5. Your home insurance is designed to cover against property crime, which is a significant risk in Rockford. It can also protect against many weather-related events. Winter weather in Illinois can be intense and devastating to your home. Freezing pipes are not unheard of with such cold temperatures. 


  1. $91
  2. Joliet, IL Monthly average home insurance cost
  3. Average monthly cost of home insurance in Joliet: $91
  4. Take this average with a grain of salt. Because your homeowners insurance depends on unique factors like your home's location and age and your credit score, it can potentially vary significantly from this average rate.
  5. One of the most common threats for homeowners in Joliet and the surrounding areas is hail and wind storms. It's more common than you think, especially during those cold and long winter months. Your policy can also cover against other common hazards such as fire, theft, and liability. Protect your finances by purchasing specific coverages and high enough limits against these hazards.


  1. $129
  2. Naperville, IL Monthly average home insurance cost
  3. Average monthly cost of home insurance in Naperville: $129
  4. Naperville residents pay some of the highest homeowners insurance rates in the state. This is not surprising, given the high property values in this area. Your actual rates will be determined by factors such as the value, age, and structure of your home, the number of people who live in it, and whether your property includes a swimming pool or other liability hazard.
  5. In addition to many types of damage to your house, homeowners insurance is designed to cover you against several types of liability claims. These can range from injuries caused by dog bites or intoxicated guests to damage caused by fallen trees. It runs the gamut of potential situations that may occur in or around your home for which you may be sued. 


  1. $80
  2. Springfield, IL Monthly average home insurance cost
  3. Average monthly cost of home insurance in Springfield: $80
  4. In Springfield, where the average home value is lower than the state average, residents pay lower premiums for their home insurance. A variety of factors will be used in calculating your actual costs. These include the size of your house, your credit score, your house's building materials, the crime in your area, and, in some cases, the distance to the nearest fire station. 
  5. As the state's capital and the largest city in central Illinois, Springfield has relatively high crime rates. Homeowners should take precautionary steps to protect their property from theft, but sometimes there is nothing you can do to stop a determined burglar. Fortunately, in addition to covering you against the many kinds of weather-related damage common in this city, your homeowners insurance can cover you against loss and damage caused by property crimes.


  1. $79
  2. Peoria, IL Monthly average home insurance cost
  3. Average monthly cost of home insurance in Peoria: $79
  4. Your particular insurance rates will take into account things like your home's location, age and building materials, and information about the residents of your home. Home values in this city are lower than average for the state, but the crime rate is rather high. Depending on your actual home value and the crime rate in your ZIP code, your rates may fluctuate significantly from this average.
  5. Home insurance can protect you against property crimes, liability, and most weather-related events. Located right on the Illinois River and Peoria Lake, Peoria has experienced some strong storms that have caused major property damage. Strong winds can happen without warning, so be sure to get proper protection against these risks. Also, if your property is prone to flooding, be aware that flood damage is not covered by home insurance. For that, you will need to supplement your coverage with flood insurance through the National Flood Insurance Program (NFIP). 


  1. $82
  2. Champaign, IL Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Champaign: $82
  4. Your actual home insurance policy could cost less or more than this average rate, depending on factors like the size of your house, your credit score, your house's building materials, and the crime rate in your ZIP code. 
  5. Homeowners insurance is designed to cover you against property crimes, liability, and most weather-related and accidental damage. However, not all policies are alike. If a fallen tree, burglar or burst pipe caused damage to your property, how would your homeowners insurance respond? 


  1. $76
  2. Bloomington, IL Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Bloomington: $76
  4. In this city, where average property values and property crime rates are lower than throughout most of the state, it is not surprising that so too are insurance rates. Your actual costs can vary from this average depending on details about you and your home. Shopping for rates helps you find the right coverage at the best price.
  5. Bloomington home insurance is designed to cover you against loss or damage caused by accidents like fires, liability lawsuits, such as if someone is injured on your property, and many weather-related events. If you think your home isn't prone to experiencing damage from harsh winter weather, you're wrong. Extremely cold temperatures, common in this part of the country, can easily cause freezing pipes and water damage. 


  1. $70
  2. Decatur, IL Monthly average home insurance cost
  3. Average monthly cost of home insurance in Decatur: $70
  4. Lower property values mean lower coverage needs, and this makes insurance more affordable for many area homeowners. Factors like your home's size, your previous claim history, your home's building materials. and whether there is a trampoline or dog on your property will determine how much you pay to protect your home.
  5. Your home insurance can provide financial compensation for losses caused by most weather-related events, accidental fires or explosions, and liability lawsuits. Additionally, it can cover you against loss or damage resulting from property crimes. In Decatur, where the burglary rate exceeds the state average, this coverage is of particular importance.