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.
Best Homeowners Insurance Companies in Illinois
Updated: July 17, 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.
What Are the Best Home Insurance Companies in Illinois?
Chubb ranks first in Illinois with the state's lowest premiums and above-average customer satisfaction. USAA, Auto-Owners, State Farm and Farmers round out the top five, with strengths in military-focused service, coverage quality and local agent networks.
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On Farmers' site
*MoneyGeek featured partner. Editorial rankings below are independent of this placement.
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
677/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$2,300Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
USAA
MoneyGeek Rating
4.9/ 5
4.9/5Affordability
5/5Customer Experience
5/5Coverage
J.D. Power Customer Satisfaction Score
737/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$1,766Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Auto-Owners
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.5/5Customer Experience
4/5Coverage
J.D. Power Customer Satisfaction Score
621/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$2,653Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
State Farm
MoneyGeek Rating
4.5/ 5
4.9/5Affordability
4/5Customer Experience
4.2/5Coverage
J.D. Power Customer Satisfaction Score
657/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$1,726Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Farmers
MoneyGeek Rating
4.4/ 5
4.9/5Affordability
4/5Customer Experience
3.6/5Coverage
J.D. Power Customer Satisfaction Score
631/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$1,564Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Best Illinois Home Insurance by City
Chubb ranks first in all 12 Illinois cities MoneyGeek analyzed: 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 |
EXPLORE HOME INSURANCE COSTS IN ILLINOIS CITIES
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.
Guide to Finding the Best Illinois Home Insurance Company
Compare multiple providers based on your coverage needs, budget and service preferences.
Compare Quotes StrategicallyGet 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 MetricsExamine 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 NeedsBase 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 StrengthsSelect 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.
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.
Illinois homeowners pay $3,114 a year for home insurance, which is 10% below the national average of $3,467. Rates vary by provider, from $1,064 a year (Allstate) up to $2,653 among top-rated insurers.
Standard homeowners insurance in Illinois covers tornado damage to your home and belongings. Flood damage that often accompanies tornadoes requires separate flood insurance through your insurer or the National Flood Insurance Program.
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
We scored Illinois homeowners insurance on three factors:
- Affordability (55%): We compared rates for identical coverage across major providers and assessed discount availability.
- Customer satisfaction (30%): We used J.D. Power ratings, Trustpilot reviews and app feedback to assess how insurers handle claims.
- Coverage options (15%): We assessed add-on availability, including water backup and inland flood options relevant to Illinois.
Sample profile: Rates reflect a homeowner aged 41 to 60 with good credit and no prior claims, insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling, $125,000 personal property, $200,000 personal liability 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.
Sources
- National Weather Service. "National Weather Service." Accessed July 17, 2026.