Average Cost of Homeowners Insurance in Illinois (2025)

Illinois homeowners pay $2,119 per year on average for insurance, $304 below the national average of $2,423.

After coverage amount, credit rating affects your premium more than any other factor. Homeowners with excellent credit pay $1,213 annually, while those with poor credit pay $9,452—an $8,239 difference. If your rates have jumped recently, check out the cheapest plans in the state to find better options. The insurer you choose matters too, since rates vary widely between companies for the same coverage.

In Illinois, the average annual homeowners insurance premium for policies with $250K in dwelling coverage, $125K in personal property coverage and $200K liability coverage is $2,119, which is less than the national average of $2,423.

When determining how much coverage you need, make sure your policy covers the full cost to rebuild your home and replace your belongings after a total loss. A policy with $100K in dwelling coverage costs about $1,363 per year on average. If you need $500K in dwelling coverage for a larger home, expect to pay around $3,275 annually.

Homeowners insurance rates in Illinois vary widely between companies for identical coverage. Auto-Owners charges well below the state average at $1,219 annually, while Travelers costs much more at $6,224.

Each insurer evaluates risk differently, which explains the wide variation in quotes. Compare multiple options to find your best rate, or check out the best homeowners insurance in Illinois.

Illinois homeowners with poor credit pay an average of $9,452 annually for homeowners insurance, almost eight times the $1,213 that those with excellent credit pay. That $8,239 difference shows how much your credit score affects insurance rates.

You can't fix your credit score overnight, but improving it over time will lower your rates. Meanwhile, spend 15 minutes comparing quotes to find the most affordable Illinois home insurers.

Roof type affects homeowners insurance rates in Illinois. Durable materials like tile can lower your premiums, while shake-treated roofs cost more to insure because they're more prone to damage.
Construction materials also impact your rates. Fire-resistant superior construction costs less to insure. Standard frame construction, the most common type, carries higher premiums because it's more vulnerable to severe weather.

Compare premiums for different materials using the drop-downs below.

Insuring a new construction home in Illinois costs less than an existing one due to modern materials and current building codes. New homes cost an average of $1,078 annually—$1,041 less than the $2,119 average for existing homes. The table below shows premium differences for various coverage levels.

Illinois homeowners with no claims for more than five years pay an average of $2,119 annually. Filing one claim in the past five years increases the annual premium to $2,453—$334 above the baseline. Two claims in the past five years push rates to $2,711 annually, $592 more than the baseline premium.

For the cities we analyzed, premiums range from $1,905 to $2,284. Aurora homeowners pay around $1,905 per year, while Chicago residents pay $2,284. Location impacts insurance costs due to factors like crime rates and weather-related risks, though credit score and coverage choices have a bigger effect on your premium.

Finding the right home insurance in Illinois is easier when you understand what affects your rates. Compare quotes from several companies and adjust your coverage options to get the best value for your needs.

Illinois homeowners can save around 13% by bundling their home and auto insurance, which adds up to about $240 to $627 in yearly savings on combined premiums. Bundling also makes it easier to manage your policies since both are with the same company. Explore thebest Illinois home and auto bundles to find the most value and convenience.

Illinois homeowners can lower their premiums by taking advantage of common discounts such as:

• Loyalty Discount: Stay with the same insurer for several years.
• Protective Devices: Install smoke detectors, burglar alarms, or a home security system.
• Claim-Free History: Maintain a clean claims record for added savings.

When comparing quotes, ask about all eligible discounts to unlock maximum savings on your policy.

If you're shopping for homeowners insurance in Illinois, several resources can help. These tools offer guidance on understanding regulations, comparing coverage options, and estimating your insurance costs.

• Illinois Department of Insurance: Visit the state’s official site for insurance regulations, consumer protection resources and helpful guides.
• Affordable Home Insurance in Illinois: Explore cost-effective coverage options and compare rates from different insurers.
• Illinois Homeowners Insurance Calculator: Estimate your potential insurance costs based on your home’s value and location.
• High-Risk Home Insurance Coverage: Find available options for homes located in flood zones or other high-risk areas.
• Top Home Insurance Options in Illinois: Review and compare the top-rated insurance providers in the state.
• Personal Property Coverage Essentials: Understand what personal property insurance includes and how much coverage you might need.
• Report Insurance Fraud: File a fraud report quickly and securely through the state’s online system.