Illinois vs Missouri: Where Home Insurance Costs More
Home Insurance in Illinois ($3,240/yr) vs Missouri ($3,805/yr) — a 16% gap between neighbors, explained with July 2026 data.
Illinois and Missouri share a border, but for home insurance they don't share much else: Illinois averages $3,240/yr (rank #34 of 51) and Missouri averages $3,805/yr (rank #41) as of July 2026 — a 16% gap. Insurance is regulated state by state, so each side of the line is its own market.
| Illinois | Missouri | U.S. average | |
|---|---|---|---|
| Annual premium ($400K dwelling) | $3,240/yr | $3,805/yr | $2,490/yr |
Illinois in context
Illinois sits in the pricier half of the country at #34 of 51, averaging $3,240/yr — about 30% above the national average.
Missouri in context
Missouri sits in the pricier half of the country at #41 of 51, averaging $3,805/yr — about 53% above the national average.
Full local breakdowns: Illinois · Missouri · all states ranked.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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