Average home insurance cost in Illinois
Illinois lands in the pricier half of the table at #34 of 51, about 30% above the national average — roughly $750 more per year than the typical American homeowner pays.
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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Illinois home insurance FAQ
How much is homeowners insurance in Illinois?
Home insurance in Illinois averages $3,240 per year — about $270 per month — for a benchmark policy with $400,000 in dwelling coverage, $300,000 liability and a $1,000 deductible. Your rate depends on your home's age, construction, location and claim history.
Is home insurance in Illinois more expensive than average?
Yes. Illinois's average of $3,240/year runs about 30% above the U.S. average of $2,490/year, ranking #34 of 51 (1 = cheapest).
How can I lower my home insurance bill in Illinois?
The four moves that reliably work: compare quotes from at least three carriers (the biggest lever — gaps of $1,000+ per year for identical coverage are common), raise your deductible to an amount you could cover in an emergency, bundle home and auto with one carrier for a 10–25% discount, and ask about discounts for wind-resistant roofing, monitored security systems and claim-free history.
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.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.