A high-quality home insurance company will have a combination of low rates, useful coverage options and highly-rated customer service. We've collected thousands of home insurance quotes and critiqued the top home insurance companies in Illinois in order to find the choice for a variety of homeowners.
Compare Home Insurance Quotes from Providers in Illinois
We found that the best price for home insurance in Illinois is $1,015 per year. However, we don't recommend making a selection based on price alone. Keep reading for our top home insurance picks in Illinois.
Best for most people: Country Financial
We found that the best homeowners insurance company in Illinois for most people is Country Financial. In our findings, Country had the cheapest policies and the most satisfied customers. The average cost of this insurer's policies is $1,015, which is almost 30% less than Illinois's statewide mean. Country's typical cost might increase if you live near or within Chicago, but overall it remains the best option for most people throughout the state.
Country also offers a wide variety of discounts. For example, you could qualify for up to 28% off your policy if you have new wiring in your home or up to 25% off if you bundle your homeowners insurance with another policy from Country. You can also receive discounts if you have a new home or if you've taken precautions to combat theft.
Country Financial also scores very well among competitors on the National Association of Insurance Commissioners' (NAIC) complaint index. According to the index, Country receives about a tenth of the complaints that homeowners insurers of its size typically do. This figure suggests that most of Country's customers are happy with the company's service.
Best for bundling: Auto Club Group (AAA)
If you already have auto insurance from the Auto Club Group (also known as AAA or Triple A), or are thinking of buying a policy, you should consider seeing if homeowners insurance is available in your area. A home insurance policy from the Auto Club Group has an average cost of $2,152. This is about 50% more expensive than the Illinois average, but the discounts that you get from bundling with other policies could be worth it.
This company typically offers sizable discounts to bundlers depending on your location. While discounts and coverage can vary since AAA is made up of a lot of local, independent Auto Club organizations, you might also be eligible for discounts if you're claim-free, are retired, or have recently renovated or purchased your home.
If you bought both policies, you'd be able to access AAA's membership club benefits. The perks that come with AAA's membership program are most valuable to you if you travel a lot. With these benefits, you might be eligible for discounts from businesses nationwide, like hotels, rental car companies, and airlines. It also comes with AAA's roadside assistance.
Best for military families: USAA
You might consider USAA for homeowners insurance if you're eligible for its coverage. USAA is available to active-duty or retired service members and their eligible family members. The average price of home insurance from USAA is $1,485 in Illinois. This is about $80 more than the state's mean price, but the benefits that come with a policy might be worth the slightly higher rates.
USAA's homeowners insurance comes with replacement cost coverage at no extra cost. With replacement cost coverage, any compensation you receive after your home is damaged or destroyed won't be reduced for your property's depreciation. Usually, you'd have to pay extra to upgrade to this coverage with other providers.
The NAIC gave the company one of the best scores in this survey. On the complaint index, USAA received 0.24. This number signifies that the company is about 75% less likely than a similar-sized insurer to receive complaints from its homeowners policyholders.
Best for eco-conscious consumers: Farmers
If you want the option to go green, you could consider a homeowners policy from Farmers. Farmers gives you the chance to upgrade your policy by adding an Eco-Rebuild endorsement. The Eco-Rebuild provision allows you to raise your policy's limit by $25,000 to repair or replace parts of your home with environmentally friendly materials. Afterward, you might be eligible to receive discounts for a new or recently refurbished home.
In Illinois, Farmers is an otherwise adequate option for most people. Its cost of $1,514 is a little above the state's average. Its NAIC score is 0.39, which means it's about 60% less likely to receive complaints than other companies its size.
Insurers with the best and worst customer service in Illinois
To assess the customer service of homeowners insurance providers in Illinois, we inquired into the number of complaints each company received in NAIC's homeowners insurance complaint database. We also checked on the scores J.D. Power awarded each company where applicable.
The insurers in our survey with the best customer satisfaction are Country Financial, State Farm, and USAA; the providers who scored the worst were Metropolitan, Farmers, and AAA. Country Financial and USAA are the only two providers with notable scores from J.D. Power: 4/5 and 5/5, respectively.
|Company||Complaint index (lower is better)||J.D. Power (higher is better)|
|Auto Club (AAA)||0.36||n/a|
What are the cheapest options for homeowners insurance in Illinois?
The average cost of homeowners insurance in Illinois is $1,405. This is higher than the national average cost of $1,083. The most expensive homeowners insurance company in Illinois on average is AAA, while the cheapest insurer is Country Financial. For the most part, the price of insurance in Illinois isn't too spread out among its top providers.
You can see the average costs of the state's top insurers here:
Find Cheap Homeowners Insurance Quotes in Your Area
Most common homeowners insurance perils in Illinois
Homeowners in Illinois may have to purchase flood insurance to protect their homes against the damage of rising waters. Typically, your home insurance won't cover any damage from floods. Instead, you must purchase a policy through the National Flood Insurance Program. Although it's not required by law, you should consider buying flood insurance if your home is in an area that's near a potentially dangerous body of water — like the shore of the Mississippi River or the edge of Lake Michigan.
You may also experience tornadoes in some parts of Illinois. The western part of the state verges on Tornado Alley, a part of the United States whose occupants see an above-average amount of tornadoes. Your homeowners insurance protects you from a tornado's damaging winds, but you could be underprotected if you wouldn't be able to fully rebuild your home if it were destroyed. You should check the depreciation of your home against how much dwelling protection you have, or consider purchasing guaranteed replacement cost coverage if you're underinsured.
Illinois homeowners could also face damage from underground mining tunnels, but fortunately, insurance providers are required to offer coverage for mine subsidence. Due to Illinois's history of mining, the state's Geological Survey estimates that there are about 330,000 homes that have a potentially dangerous proximity to defunct underground mines. Since your homeowners insurance doesn't typically cover damage from Earth, you should check about mine subsidence insurance in your area, especially if you believe your property is undermined.
Illinois insurance rates: city-by-city breakdowns
We calculated the average cost of insurance in the 50 most populous cities in Illinois. If you're considering a move, or if you just want to understand how your city's prices compare to other cities within the state, check out this table. If you'd like to know how Illinois stacks up against other states, take a look at our estimates of average homeowners insurance rates in the U.S.
|City||Average Cost||Difference from Average|
For our study, we gathered quotes from each of Illinois's ZIP codes. We used a sample property that was built in 1968 and measured 2,100 square feet. The home was insured to Illinois' median cost of a home, $195,300.
We retrieved quotes from eight of the largest providers in Illinois: State Farm, Allstate, Country Financial, Farmers, Travelers, USAA, Metropolitan, and Auto Club Group (AAA). Unfortunately, we excluded Liberty Mutual and Chubb from our study due to technical limitations.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.