The best home insurance companies in Illinois are State Farm, American Family, Nationwide, Farmers and Allstate. State Farm leads in affordability, American Family excels in customer service, and Nationwide ranks highest for coverage options. Compare all our top picks below.
Best Homeowners Insurance in Illinois
Updated: June 21, 2025
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Key Takeaways
Based on our 2025 research, the top three home insurance providers in Illinois are State Farm, American Family and Nationwide, with MoneyGeek scores of 92, 90, and 80, respectively.
State Farm offers the best overall home insurance for most Illinois homeowners. However, if you have bad credit, American Family could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details and compare multiple quotes.
Who Are the Best Home Insurance Companies in Illinois?
| State Farm | 92 | 1 | 2 | 3 |
| American Family | 90 | 4 | 1 | 2 |
| Nationwide | 80 | 3 | 4 | 1 |
| Farmers | 75 | 5 | 3 | 5 |
| Allstate | 71 | 2 | 5 | 3 |
*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 specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| State Farm | 92 | Overall |
| State Farm | 92 | Older Homes |
| American Family | 92 | Newer Homes |
| State Farm | 92 | High-Fire-Risk Areas |
| American Family | 93 | Bad Credit |
| State Farm | 92 | With Claims History |
Best Illinois Home Insurance Reviews
Explore our top recommendations for home insurance providers in Illinois, showing those excelling in affordability, customer service, and diverse coverage options.
State Farm: Best for Affordability
For most Illinois homeowners, State Farm is the most affordable option for home insurance, and it also earned the top spot for older homes in our study of providers in the state. It is highly rated by J.D. Power for customer service, ranking seventh overall in terms of customer satisfaction. State Farm customers can also take advantage of its unique coverage add-ons, such as its personal articles policy, which provides broader protection for high-value possessions.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $86 | $1,026 |
| Newer Homes in High-Fire-Risk Areas | $86 | $1,026 |
| Older Homes in High-Fire-Risk Areas | $142 | $1,703 |
| Older Homes | $142 | $1,703 |
American Family: Best for Customer Service
American Family takes the best spot for new homeowners in our study. It is also the best option regarding customer service in the state. J.D. Power ranks the provider around the average score for home insurance when it comes to both customer satisfaction and claims satisfaction. American Family offers a variety of home insurance coverage options as well, including hidden water damage coverage and Home Business Coverage.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $142 | $1,699 |
| Newer Homes in High-Fire-Risk Areas | $142 | $1,699 |
| Older Homes in High-Fire-Risk Areas | $292 | $3,508 |
| Older Homes | $292 | $3,508 |
Nationwide: Best for Coverage
For new homeowners in Illinois, Nationwide is the most affordable option for home insurance. It also offers a wide selection of unique home insurance coverages, like its Valuables Plus® coverage, which offers extended coverage for high-value items such as jewelry, antiques and fine art. Nationwide is strongly rated by J.D. Power as well, ranking eighth and fifth in its customer satisfaction and claims satisfaction studies, respectively.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| Newer Homes | $60 | $716 |
| Newer Homes in High-Fire-Risk Areas | $75 | $895 |
| Older Homes | $132 | $1,585 |
| Older Homes in High-Fire-Risk Areas | $165 | $1,981 |
How to Find the Best Home Insurance in Illinois
We've created a clear step-by-step guide to help you find the perfect coverage for your needs.
- 1
Determine your coverage needs
Before you choose a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside, and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Figure out how much home insurance costs in Illinois to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings, such as bundling or installing home safety devices.
- 3
Find the best providers for you
After researching coverage and costs, search for the best and cheapest home insurance in Illinois. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers and check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
- 5
Decide and finalize the policy
Select the policy that provides the best balance of coverage, cost, and customer service. Review the terms carefully before finalizing your choice to ensure it meets your coverage needs and budget.
Best Homeowners Insurance in Illinois: Bottom Line
State Farm, American Family, and Nationwide are the best-rated homeowners insurance providers in Illinois. Still, researching and comparing providers can help you choose the right insurer for your specific needs.
Best Home Insurance in Illinois: FAQ
To help you choose a home insurance provider, we've answered common questions about coverage options in Illinois.
Which company is best for home insurance in Illinois?
State Farm is the best homeowners insurance provider in Illinois for its affordability, customer service, and range of coverage options. American Family, Nationwide, Farmers and Allstate are also top-rated alternatives within Illinois.
Who has the most affordable homeowners insurance in Illinois?
Finding the most affordable homeowners insurance in Illinois relies on individual needs and circumstances. The average cost of homeowners insurance in Illinois is $1,210 annually.
How do you get the best homeowners insurance in Illinois?
To find the best home insurance in Illinois, evaluate your coverage necessities, research costs and providers, and compare multiple insurance quotes.
How We Decided the Best Home Insurance in Illinois: Our Methodology
We rated the best homeowners insurance providers in Illinois using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.