Best Homeowners Insurance Companies in Illinois

Chubb ranks No. 1 in our review of the best home insurance in Illinois, followed by USAA and Auto-Owners.

See if you're overpaying for home insurance below.

Written by Mark Fitzpatrick

Updated: January 29, 2026

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Illinois's Top Home Insurance Companies: Key Takeaways

Chubb is the best home insurance provider in Illinois with a score of 4.7 out of 5 from our review team.

USAA, Auto-Owners, State Farm and Farmers rank high for homeowners insurance in Illinois based on affordable rates, strong customer service and reliable coverage.

The best insurer for your home depends on your coverage needs, budget and preferred features like claims service or discount availability.

Illinois homeowners pay rates below the national average. MoneyGeek analyzed premiums, J.D. Power satisfaction scores and coverage options from major insurers to find the best home insurance companies in Illinois.

What Are the Best Home Insurance Companies in Illinois?

Chubb ranks first for Illinois homeowners with the state's lowest premiums and above-average customer satisfaction. USAA, Auto-Owners, State Farm and Farmers complete the top five, excelling in areas like military-focused service, premium coverage quality and local agent networks.


Chubb	4.7	$2,300	Most Illinois homeowners
USAA	4.9	$1,766	Military families
Auto-Owners	4.6	$2,653	Coverage options
State Farm	4.5	$1,726	Customer satisfaction
Farmers	4.4	$1,564	Cheapest rates

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile.

**Although USAA earned the highest score, we didn't rank it No. 1 due to its eligibility requirements.

Chubb

MoneyGeek Rating

4.7/ 5

4.8/5Affordability

4.4/5Customer Experience

4.6/5Coverage

J.D. Power Customer Satisfaction Score
677/1,000
Average Annual Premium
$2,300

pros
- Coverage options for various homeowner needs
- Strong financial stability with high industry ratings
- Ranks second for Illinois home insurance providers
cons
- Rates exceed state average
- Agent availability varies by region
- Limited service areas in Illinois
Chubb charges Illinois homeowners $2,300 annually for comprehensive protection. The insurer's extended replacement cost coverage rebuilds your home completely, even when construction costs exceed your policy limit. Chubb's home inventory service documents your belongings, streamlining claims and ensuring proper personal property coverage. Homeowners seeking reliable coverage with premium features at reasonable rates should consider Chubb.

Chubb charges $2,300 annually for home insurance in Illinois, 26% less than the state average of $3,114 and below the national average of $3,467. The company provides bundling discounts when you combine policies and savings for home security system installations.


Older Homes	$200	$2,404
Newer Homes	$117	$1,403
Young Homeowners	$192	$2,300
Senior Homeowners	$191	$2,292
High-Risk Fire Homes	$215	$2,578
Smaller Homes	$187	$2,249
Larger Homes	$228	$2,733

Chubb earned 677 out of 1,000 points in J.D. Power customer satisfaction ratings, beating the industry average of 642. Local independent agents provide personalized service and coverage options for Illinois homeowners. Chubb's online platform allows convenient policy management and digital self-service.
Chubb provides standard homeowners coverage with optional add-ons:
- Extended replacement cost: Repairs or rebuilds your home to its original condition even when costs exceed your policy limit
- Temporary living arrangements: Helps you find comfortable accommodations while your house is rebuilt
- Risk consulting: Complimentary home appraisals with trained consultants who visit your home and provide security and fire prevention advice
- Cash settlement: Offers cash settlement up to your policy limit for covered total losses if you choose not to rebuild
- Replacement cost coverage: Replaces upgraded appliances, custom cabinets, flooring and carpentry without depreciation deductions
- HomeScan: Uses infrared technology to detect problems like leaks, missing insulation and faulty electrical connections before damage occurs

USAA

MoneyGeek Rating

4.9/ 5

4.9/5Affordability

5/5Customer Experience

5/5Coverage

J.D. Power Customer Satisfaction Score
737/1,000
Average Annual Premium
$1,766

pros
- J.D. Power score above industry average
- Most affordable rates for Illinois homeowners
- Flexible policy options with add-on coverage
cons
- Limited availability in some Illinois areas
- Service primarily through online and phone channels
- No traditional in-person agent meetings
USAA charges Illinois homeowners $1,766 annually, 43% below the state's $3,114 average. Military families get coverage built around their unique needs, including frequent relocations and deployment considerations. The company offers replacement cost coverage and flood insurance as endorsements—critical protection for Illinois properties near rivers and lakes where the state averages 54 tornadoes and severe storms annually.

At $1,766 per year, USAA's average rates stay under both the Illinois average ($3,114) and the national benchmark ($3,467). Illinois homeowners save 43% compared to state averages. Bundling policies and installing home security systems qualify you for additional discounts.


Older Homes	$145	$1,739
Newer Homes	$87	$1,046
Young Homeowners	$150	$1,806
Senior Homeowners	$148	$1,770
High-Risk Fire Homes	$165	$1,978
Smaller Homes	$134	$1,611
Larger Homes	$158	$1,894

USAA scored 737 out of 1,000 in J.D. Power's customer satisfaction study, 95 points above the 642 industry average. Military families access coverage through digital channels and mobile app tools. The company's online platform handles policy management without requiring in-person agent visits.
USAA provides standard homeowners coverage with optional add-ons:
- Replacement cost coverage: Rebuilds your home without depreciation deductions
- Flood insurance: Protection for Illinois homeowners in flood-prone areas
- Personal property coverage: Protects belongings at replacement cost
- Liability protection: Covers legal expenses and damages
- Additional living expenses: Pays for temporary housing during repairs
- Medical payments: Covers guest injuries on your property

Auto-Owners

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.5/5Customer Experience

4/5Coverage

J.D. Power Customer Satisfaction Score
621/1,000
Average Annual Premium
$2,653

pros
- Coverage options for various homeowner needs
- High financial stability ratings
- Extensive agent network with local support
cons
- Customer satisfaction scores below industry average
- Limited availability in some Illinois areas
- Slower claims processing than competitors
Auto-Owners offers Illinois homeowners affordable coverage at $2,653 annually. The company's guaranteed replacement cost coverage rebuilds your home completely after a loss, even when construction costs exceed policy limits. Its personal property replacement cost coverage replaces belongings at current market value rather than depreciated amounts.

Auto-Owners charges $2,653 annually for home insurance in Illinois, 15% less than the state average of $3,114 and below the national average of $3,467. The company provides bundling discounts for multiple policies and savings for home security system installations.


Older Homes	$243	$2,921
Newer Homes	$177	$2,124
Young Homeowners	$220	$2,643
Senior Homeowners	$189	$2,273
High-Risk Fire Homes	$248	$2,972
Smaller Homes	$213	$2,556
Larger Homes	$259	$3,104

Auto-Owners earned 621 out of 1,000 points in J.D. Power customer satisfaction ratings, below the industry average of 642. The company operates through local independent agents who provide personalized service with local expertise for Illinois homeowners. This traditional model emphasizes face-to-face relationships and community knowledge. Auto-Owners offers limited digital tools compared to larger insurers, which may frustrate customers who prefer online self-service.
Auto-Owners provides standard homeowners coverage with optional add-ons:
- Guaranteed replacement cost coverage: Pays full rebuilding costs even when they exceed coverage limits
- Personal property replacement cost coverage: Replaces belongings at current market value without depreciation
- Dwelling coverage: Protects your home's structure from covered perils
- Personal liability protection: Covers legal expenses if someone is injured on your property
- Additional living expenses: Pays temporary housing costs while your home is repaired
- Medical payments to others: Covers minor medical expenses for guests injured on your property

State Farm

MoneyGeek Rating

4.5/ 5

4.9/5Affordability

4/5Customer Experience

4.2/5Coverage

J.D. Power Customer Satisfaction Score
657/1,000
Average Annual Premium
$1,726

pros
- Coverage options for various homeowner needs
- Most affordable rates for Illinois homeowners
- Extensive agent network with personalized service
cons
- Claims processing slows during peak times
- Limited availability in some Illinois areas
- Direct purchase lacks personalized guidance
At $1,726 annually, State Farm provides Illinois homeowners with affordable protection. The insurer offers replacement cost coverage for personal belongings as an endorsement, eliminating depreciation deductions on damaged items. State Farm also offers additional living expenses coverage as an endorsement, covering hotel stays and meals when severe weather or other covered perils force you from your home.

Illinois homeowners typically pay $3,114 annually for coverage. State Farm charges $1,726, or 45% less than the state average and below the $3,467 national rate. The company offers bundling discounts for multiple policies and savings on home security system installations.


Older Homes	$145	$1,744
Newer Homes	$107	$1,280
Young Homeowners	$144	$1,726
Senior Homeowners	$143	$1,721
High-Risk Fire Homes	$161	$1,934
Smaller Homes	$141	$1,694
Larger Homes	$172	$2,060

State Farm operates through both local independent agents and direct sales channels in Illinois. This dual approach gives you face-to-face support when needed and mobile app access for policy management and claims filing. The company earned 657 out of 1,000 points in J.D. Power customer satisfaction ratings, above the 642 industry average.
State Farm provides standard homeowners coverage with optional add-ons:
- Dwelling coverage: Protects your home's structure from covered perils like fire, wind and hail
- Personal property coverage: Covers your belongings with replacement cost options available
- Liability protection: Covers legal expenses if someone is injured on your property
- Additional living expenses: Pays for temporary housing and meals during covered repairs
- Medical payments: Covers minor medical expenses for guests injured on your property
- Personal umbrella policy: Provides extra liability protection beyond standard limits
- Identity restoration coverage: Helps recover from identity theft incidents

Farmers

MoneyGeek Rating

4.4/ 5

4.9/5Affordability

4/5Customer Experience

3.6/5Coverage

J.D. Power Customer Satisfaction Score
631/1,000
Average Annual Premium
$1,564

pros
- Strong financial stability with high ratings
- User-friendly digital tools for policy management and claims
- Wide range of customizable coverage options
cons
- Limited availability in some Illinois areas
- Claims process slows during peak times
- Geographic restrictions limit access for some homeowners
Farmers charges Illinois homeowners $1,564 annually. The company provides customizable coverage options that let you tailor policies to your specific needs. Its extended replacement cost coverage protects against rising construction costs that can leave homeowners underinsured after a claim.

Farmers charges $1,564 annually for home insurance in Illinois, 50% less than the state average of $3,114 and below the national average of $3,467. The company provides bundling discounts for multiple policies and savings for home security system installations.


Older Homes	$131	$1,569
Newer Homes	$80	$961
Young Homeowners	$125	$1,500
Senior Homeowners	$127	$1,523
High-Risk Fire Homes	$146	$1,752
Smaller Homes	$120	$1,440
Larger Homes	$136	$1,635

Farmers earned 631 out of 1,000 points in J.D. Power ratings, slightly below the industry average of 642. The company operates through local independent agents who provide personalized service for Illinois homeowners. Its digital platform offers convenient policy management tools, though it lacks some advanced automation features found with tech-focused competitors.
Farmers provides standard homeowners coverage with optional add-ons:
- Customizable coverage options: Tailor your policy to match your protection needs
- Extended replacement cost: Covers rebuilding costs that exceed your policy limits
- Personal property protection: Covers your belongings against covered losses
- Liability coverage: Protects against lawsuits from injuries on your property
- Additional living expenses: Pays for temporary housing during covered repairs
- Medical payments: Covers medical bills for guests injured on your property

Best Illinois Home Insurance by City

Chubb leads Illinois's home insurance market, ranking as the top provider across all 12 cities analyzed, including Chicago, Aurora, Naperville, Springfield, Peoria, Rockford, Elgin, Joliet, Urbana, Elmwood Park, Coatsburg and Percy. Annual premiums range from $1,585 in Peoria to $3,088 in Chicago.


Aurora	Chubb	$2,367
Chicago	Chubb	$3,088
Coatsburg	Chubb	$1,938
Elgin	Chubb	$2,367
Elmwood Park	Auto-Owners Insurance	$2,061
Joliet	Chubb	$1,714
Naperville	Chubb	$2,007
Peoria	Chubb	$1,585
Percy	Chubb	$2,032
Rockford	Chubb	$1,589
Springfield	Chubb	$2,032
Urbana	Chubb	$2,022

Cheapest Illinois Home Insurance Companies

Illinois homeowners pay $3,114 annually for home insurance, 10% less than the national average of $3,467. Allstate offers the state's most affordable home insurance at $1,064 annually, 66% below the state average. Farmers ranks second at $1,564 per year. Premiums vary among insurers. American Family represents the expensive end, charging 43% more than the national benchmark.

Cheapest Home Insurers in Illinois Chart

Guide to Finding the Best Illinois Home Insurance Company

Compare multiple providers based on your coverage needs, budget and service preferences.

Compare Quotes Strategically

Get quotes from at least three to five insurers. Premiums among top Illinois providers range from $1,564 to $2,653 annually. Don't just shop by price. The cheapest policy might leave coverage gaps when you file a claim after severe weather or other covered losses.

Check Customer Satisfaction Metrics

Examine complaint ratios through the Illinois Department of Insurance and review J.D. Power scores, which range from 621 to 737 among the state's leading insurers versus the 642 industry average. Focus on recent customer reviews that detail claims experiences during Illinois's tornado season rather than just policy purchasing.

Evaluate Coverage Needs

Base your coverage on replacement cost rather than market value, particularly important in Illinois, where construction costs surge after tornadoes and flooding. Review extended or guaranteed replacement cost options along with optional protections like wind/hail coverage and flood insurance that address your property's specific risks.

Match Service Preferences to Provider Strengths

Select insurers with strong local agent networks like State Farm, Allstate or COUNTRY Financial if you prefer face-to-face support. Choose digital-first companies like Lemonade, Hippo or Root for online policy management. Avoid paying premium rates for services you won't actually use.

ILLINOIS HOME INSURANCE RISKS

Illinois faces significant tornado risk, averaging 54 tornadoes annually between 2018 and 2023. The National Weather Service ranks Illinois among the top states for tornado frequency. Standard homeowners insurance covers tornado damage to your property but excludes flood damage that often accompanies severe storms. You'll need separate flood insurance through your insurer or the National Flood Insurance Program to protect against water damage.

Top-Rated Home Insurance Companies in Illinois: FAQ

Explore our FAQ section for answers to common questions about selecting the right Illinois home insurance provider for your needs.

What's the difference between replacement cost and actual cash value coverage?

Replacement cost coverage pays to rebuild your home or replace belongings at current prices without deducting for depreciation. Actual cash value coverage subtracts depreciation from claim payments. You receive less money based on your property's age and condition. Actual cash value policies cost less up front but leave you covering more expenses out of pocket after a loss.

How much does home insurance cost in Illinois compared to the national average?

Illinois homeowners pay $3,114 annually for home insurance, which is 10% less than the national average of $3,467. Rates vary by provider, with the cheapest option (Allstate) at $1,064 annually and premiums ranging up to $2,653 among top-rated insurers.

Does Illinois home insurance cover tornado damage?

Yes, standard homeowners insurance in Illinois covers tornado damage to your home and belongings. However, flood damage that often accompanies tornadoes requires separate flood insurance through your provider or the National Flood Insurance Program.

Can I get home insurance if I have a trampoline or swimming pool?

You can get home insurance with a trampoline or swimming pool, but insurers consider these features liability risks. Many companies require higher premiums, additional liability coverage or exclude coverage for these items entirely. Safety features are essential: trampolines need nets and padding, while pools require fencing and self-closing gates. Maintain at least $300,000 in liability coverage to protect against potential claims.

Our Methodology: Determining the Best Illinois Home Insurers

Illinois homeowners deal with tornado risks, hurricane exposure and fluctuating construction costs. Our ranking system weighs affordable premiums, quality coverage and reliable claims handling.

We scored insurers across three factors:

Affordability (55%): We compared rates for identical coverage across major providers and evaluated discount availability.

Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews and app feedback reveal how insurers handle claims after storms damage your home.

Coverage options (15%): We assessed add-on availability, including water backup protection and inland flood options for Illinois's risks.

Our Sample Profile

Rates reflect a homeowner aged 41-60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible.

Your rates will vary based on your home's age, location, claims history and credit score.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

sources

National Weather Service. "National Weather Service." Accessed February 7, 2026.