Who Has the Cheapest Homeowners Insurance Quotes in Illinois?

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Illinois is one of our nation’s leaders when it comes to agriculture and manufacturing. The state also produced several of our nation’s most celebrated presidents. Abraham Lincoln, Ulysses S. Grant, and Barack Obama all held political office in Illinois prior to their tenure as presidents. Additionally, President Ronald Regan was born and raised in this Midwestern state. 

ValuePenguin conducted research into home insurance rates in 259 cities throughout Illinois. To do so, our analysts gathered quotes for a 2,000 square foot sample home in each city across several different insurers to arrive at an average cost per city. These costs varied upwards of 50% between different regions. The mean cost of a homeowners insurance policy in Illinois is $1,538 per year based on this benchmark property. ValuePenguin’s findings can serve to help homeowners better anticipate the insurance cost of their new home and understand the relative difference across the cities in our study. Read more below, or use our quote tool above to start finding homeowners insurance quotes.

Cheapest Homeowners Insurance Companies in Illinois

The table below answers the question of which companies in Illinois have the best homeowners insurance rates. We looked at quotes for a sample $200,000 and 2,000 square foot house in 259 cities in the Prairie State. Annual rates were averaged by the five companies: Farmers, Liberty Mutual, Nationwide, Progressive, and State Farm. Among these five major national insurers, State Farm, Progressive, and Nationwide ranked as the best homeowners insurance companies in Illinois with the cheapest rates. Progressive and Nationwide's annual rates differed by just $3 a year for our sample property.

In Illinois, ValuePenguin found State Farm narrowly had the best homeowners insurance premiums for a sample residence in Illinois.

Best Homeowners Insurance Rates in Illinois: by City

Our researchers found that homeowners in the cities below enjoyed the lowest average insurance rates in Illinois. The cost of these premiums is decided by a multitude of factors, such as average fire department response times, crime rates, extreme weather events and all things which will affect the likelihood of an insurer having to pay out damages. The homeowners in these cities can pay on average 20% less than the rest of the state. The cost of insuring our sample home in these regions is $1,236 per year. 

Rank City Average Annual Premium Change vs State Average
1 Bloomington $1,179 -23%
2 Batavia 1,200 -22%
3 Saint Charles 1,228 -20%
4 Normal 1,272 -17%
5 Carol Stream 1,299 -16%

This map shows the locations of the cities in Illinois with the most affordable homeowners insurance rates

Bloomington, IL

The cheapest home insurance rates in Illinois for our sample home are found in Bloomington. This city of approximately 76,000 people is located in McLean County. Our researchers found that Bloomington residents tend to see home insurance premiums of $1,179 per year. This is 23% cheaper than the average cost of a home insurance policy in Illinois.

Batavia, IL

Batavia, located just 40 miles outside of Chicago, averages annual homeowners insurance rates of $1,200 – this makes Batavia the state’s second cheapest city for individuals seeking to insure their home. Batavia is the location of the Fermilab particle accelerator, a $270 million physics research facility. Fermilab provides the city with many public events such as science lectures, classical and contemporary music concerts, and more. The laboratory serves as Batavia’s top employer - 7% of Batavia’s residents work on the site.

Saint-Charles, IL

Illinois’ third best home insurance rates are located in the Pride of the Fox, St. Charles. The city houses the St. Charles Public Library, which is ranked among the best libraries in the country. Individuals seeking to purchase home insurance in St. Charles can see rates 20% lower than the state average. Our analysis revealed that the city’s homeowners insurance rates are in the neighborhood of $1,228 per year.

Normal, IL

Normal is located near the heart of Illinois. The oldest public university in the state, Illinois State University, has its main campus in Normal. The city also offers great public transportation options for its residents through the Bloomington-Normal Public Transit System. Through this study we discovered Normal has mean home insurance premiums of $1,272 per year – 17% better than a typical Illinois town.

Carol Stream, IL

Carol Stream is a city of 40,000 residents and is located in DuPage County, Illinois. Recently, the city ranked above all others in Illinois on CNN Money Magazine’s list of top places to live in the U.S. This distinction comes at no additional price tag, as Carol Stream ranks among the cheapest cities in the state for homeowners insurance. Residents can enjoy rates as low as $1,299 based on our sample property, which is 16% better than what most of the state can expect to pay. 

Most Expensive Homeowners Insurance in Illinois

The cities in Illinois with the most expensive homeowners insurance are all located within no more than 300 miles of Chicago. Most of these cities saw tornado rates which were higher than the national average. Some cities on the list also have crime rates which are significantly above both the state and national mean. These factors combined to help produce average home insurance rates around $2,065 per year – 34% above the state average. 

Rank City Average Annual Premium Change vs State Average
1 Marion $2,354 53%
2 Chicago 2,045 33%
3 West Frankfort 2,028 32%
4 Tonica 1,951 27%
5 Sidell 1,946 26%

This map pinpoints the cities in Illinois with the highest rates for homeowners insurance in our analysis

Marion, IL

Marion is home to both the largest retail center in Southern Illinois and the highest home insurance rates in the state. One factor that partially explains this is the city’s law enforcement statistics. The city of Marion has crime rates on par with the rest of the state and nation. However, the city employs significantly less law enforcement than the Illinois average (in proportion to the population). This means police take longer to respond to calls and the chances of a homeowner sustaining a loss or property damage increases. Our sample insured property in Marion averaged insurance rates of $2,354 annually. With that, Marion sees premiums that are 99% higher than some parts the state. 

Chicago, IL

It is not uncommon for a state’s major cities to also have that state’s highest home insurance costs. Big cities come with an increased crime rates which include property crime and Chicago’s crime rate is almost twice that of the Illinois and US average. With this level of crime being committed, insurance companies take on a greater risk, as the probability of them having to pay out damages for stolen or damaged property is greater in cities like this. It comes as no surprise then that Chicago ranks among Illinois’ most expensive cities for homeowners insurance. The Windy City’s insurance rates are 33% higher than the state average of $1,538. A typical home insurance premium in Chicago can cost $2,045 annually.

West Frankfort, IL

West Frankfort is a city located in Franklin County, in the southern part of Illinois. The city has a population of 8,000. West Frankfort possesses hate crime that are 8 times higher than the Illinois average. Because hate crime can result in property damage, insurers raise their premiums by employing the logic explained above – a greater probability of crime resulting in property damage means a higher likelihood of an insurer having to cover the cost of any sustained losses. Homeowners insurance rates in West Frankfort average $2,028, and cost 32% more expensive than the state mean.

Tonica, IL

Tonica is a small town located in LaSalle County and has a population of close to 800 people. The town is largely comprised of farmland with a few businesses operating within the town. Tonica’s average homeowners insurance cost is around $1,951 per year – 27% above the state average.

Sidell, IL

Sidell is a village located in Vermilion County, Illinois. Like Tonica, Sidell is among the least populous cities on our list with just 600 residents. Our research has found that Sidell has the 5th highest home insurance rates in the state. Insurance quotes gathered for our sample home in Sidell averaged $1,946 annually.

Cost of Homeowners Insurance in Illinois: by City

The following is the list of all 259 cities which were part of this study. They are listed in price order, with the lowest annual home insurance premiums at the top. The number on the graph is the corresponding average annual premium. 

In Illinois, a ValuePenguin study found the average homeowners insurance rate was $1,538 for a sample policy and residence.

Methodology

ValuePenguin studied 259 cities, spread out geographically all throughout Illinois. The sample home we looked at was built in the year 2000, and had 2,000 square feet. The property cost $200,000 and had 1.5 baths and an attached garaged. Quotes for this home were obtained from Progressive, Liberty Mutual, State Farm, Nationwide and Farmers insurance companies. The rates were then averaged to arrive at a mean value for each city. To see an alphabetical list with all of the cities included in the comparison analysis, please see below. We've displayed all cities from Abingdon to Zion with the average cost of our benchmark property and how much each city costs relative to the statewide average.

Rank City Average Insurance Rate Change
216 Abingdon $1,682 9%
17 Addison 1,332 -13%
244 Albion 1,779 16%
147 Aledo 1,546 0%
88 Altamont 1,471 -4%
124 Alton 1,514 -2%
107 Amboy 1,499 -3%
245 Anna 1,790 16%
226 Arcola 1,705 11%
19 Arlington Heights 1,334 -13%
145 Ashton 1,544 0%
229 Astoria 1,712 11%
18 Aurora 1,332 -13%
232 Avon 1,715 11%
84 Barrington 1,462 -5%
9 Bartlett 1,306 -15%
2 Batavia 1,200 -22%
121 Beardstown 1,512 -2%
156 Belleville 1,561 1%
79 Bensenville 1,458 -5%
230 Benton 1,713 11%
218 Berkeley 1,683 9%
103 Berwyn 1,495 -3%
57 Bloomingdale 1,421 -8%
1 Bloomington 1,179 -23%
106 Bolingbrook 1,499 -3%
164 Bourbonnais 1,569 2%
225 Braidwood 1,704 11%
233 Bridgeport 1,725 12%
169 Broadview 1,573 2%
80 Brookfield 1,459 -5%
70 Buffalo Grove 1,444 -6%
90 Burr Ridge 1,475 -4%
181 Byron 1,592 3%
238 Cairo 1,739 13%
126 Cambridge 1,516 -1%
105 Canton 1,498 -3%
196 Carbondale 1,622 5%
192 Carlinville 1,608 5%
122 Carmi 1,512 -2%
5 Carol Stream 1,299 -16%
197 Carrollton 1,623 5%
208 Carthage 1,657 8%
111 Casey 1,503 -2%
8 Champaign 1,301 -15%
13 Charleston 1,320 -14%
212 Chester 1,669 9%
258 Chicago 2,045 33%
219 Chicago Heights 1,692 10%
148 Chillicothe 1,549 1%
213 Cicero 1,670 9%
36 Clarendon Hills 1,381 -10%
228 Clifton 1,711 11%
132 Clinton 1,528 -1%
249 Coal City 1,816 18%
82 Countryside 1,459 -5%
25 Crystal Lake 1,346 -12%
50 Danville 1,410 -8%
35 Darien 1,380 -10%
6 Decatur 1,300 -15%
217 Deerfield 1,683 9%
24 Dekalb 1,345 -13%
42 Des Plaines 1,397 -9%
129 Dixon 1,526 -1%
29 Downers Grove 1,358 -12%
241 Du Quoin 1,747 14%
180 East Peoria 1,591 3%
176 Edwardsville 1,582 3%
74 Effingham 1,454 -5%
11 Elburn 1,316 -14%
15 Elgin 1,331 -14%
112 Elk Grove Village 1,504 -2%
31 Elmhurst 1,372 -11%
137 Elmwood Park 1,534 0%
21 Eureka 1,337 -13%
95 Evanston 1,482 -4%
251 Flora 1,849 20%
220 Forest Park 1,697 10%
101 Forest View 1,490 -3%
175 Frankfort 1,580 3%
172 Franklin Park 1,576 2%
96 Freeburg 1,483 -4%
59 Freeport 1,427 -7%
142 Galena 1,539 0%
206 Galesburg 1,650 7%
166 Galva 1,571 2%
184 Geneseo 1,594 4%
39 Geneva 1,386 -10%
87 Georgetown 1,467 -5%
94 Gibson City 1,481 -4%
211 Gilman 1,669 8%
72 Glen Ellyn 1,450 -6%
248 Glencoe 1,795 17%
23 Glendale Heights 1,341 -13%
188 Glenview 1,599 4%
252 Goreville 1,859 21%
155 Granville 1,559 1%
26 Grayslake 1,347 -12%
160 Hanover Park 1,567 2%
168 Hardin 1,573 2%
247 Harrisburg 1,794 17%
191 Havana 1,607 4%
246 Herscher 1,792 16%
194 Highland 1,616 5%
187 Highland Park 1,599 4%
159 Hillsboro 1,566 2%
200 Hillside 1,629 6%
141 Hinsdale 1,539 0%
92 Hodgkins 1,479 -4%
76 Homer Glen 1,458 -5%
44 Hoopeston 1,400 -9%
114 Indian Head Park 1,506 -2%
43 Itasca 1,399 -9%
91 Jacksonville 1,477 -4%
151 Jerseyville 1,554 1%
254 Joliet 1,920 25%
119 Kankakee 1,511 -2%
75 Kewanee 1,455 -5%
178 La Grange 1,587 3%
198 La Grange Park 1,627 6%
214 La Harpe 1,671 9%
154 La Salle 1,558 1%
177 Lake Forest 1,587 3%
170 Lake Zurich 1,573 2%
174 Lanark 1,578 3%
239 Lawrenceville 1,740 13%
162 Lemont 1,568 2%
235 Lewistown 1,730 12%
49 Libertyville 1,409 -8%
123 Lincoln 1,513 -2%
150 Lincolnwood 1,553 1%
14 Lisle 1,329 -14%
115 Lockport 1,506 -2%
34 Lombard 1,378 -10%
69 Lyons 1,441 -6%
185 Macomb 1,595 4%
37 Mahomet 1,381 -10%
157 Manhattan 1,562 2%
173 Manteno 1,577 2%
259 Marion 2,354 53%
144 Marshall 1,544 0%
171 Mascoutah 1,573 2%
77 Mattoon 1,458 -5%
108 Mc Cook 1,499 -3%
221 Mc Leansboro 1,697 10%
182 Mendota 1,593 4%
223 Metropolis 1,701 11%
143 Minonk 1,543 0%
85 Mokena 1,464 -5%
102 Moline 1,494 -3%
224 Momence 1,701 11%
205 Monee 1,645 7%
195 Monmouth 1,618 5%
63 Monticello 1,431 -7%
190 Morris 1,600 4%
33 Morton 1,376 -11%
65 Morton Grove 1,437 -7%
127 Mount Carmel 1,516 -1%
193 Mount Carroll 1,608 5%
32 Mount Prospect 1,374 -11%
133 Mount Sterling 1,529 -1%
207 Mount Vernon 1,653 7%
16 Mundelein 1,331 -14%
243 Murphysboro 1,776 15%
7 Naperville 1,301 -15%
199 Neoga 1,629 6%
73 New Lenox 1,453 -6%
189 Newman 1,600 4%
62 Newton 1,430 -7%
48 Niles 1,404 -9%
4 Normal 1,272 -17%
161 Norridge 1,568 2%
58 North Riverside 1,424 -7%
158 Northbrook 1,565 2%
179 O Fallon 1,587 3%
120 Oak Brook 1,512 -2%
202 Oak Park 1,631 6%
46 Oakbrook Terrace 1,403 -9%
54 Oblong 1,419 -8%
237 Okawville 1,736 13%
163 Olney 1,568 2%
135 Oregon 1,533 0%
93 Orion 1,479 -4%
52 Orland Park 1,419 -8%
20 Oswego 1,335 -13%
153 Ottawa 1,557 1%
100 Palos Heights 1,489 -3%
236 Pana 1,733 13%
109 Paris 1,503 -2%
86 Park Ridge 1,466 -5%
138 Paxton 1,534 0%
116 Pekin 1,508 -2%
186 Peoria 1,597 4%
146 Peotone 1,545 0%
210 Pittsfield 1,664 8%
104 Plainfield 1,497 -3%
45 Pontiac 1,403 -9%
203 Princeton 1,643 7%
81 Prospect Heights 1,459 -5%
118 Quincy 1,511 -2%
71 Rantoul 1,445 -6%
242 River Forest 1,749 14%
64 Riverside 1,434 -7%
41 Robinson 1,394 -9%
152 Rochelle 1,556 1%
140 Rock Island 1,538 0%
28 Rockford 1,353 -12%
136 Romeoville 1,533 0%
66 Roselle 1,438 -7%
231 Roseville 1,715 11%
3 Saint Charles 1,228 -20%
61 Saint Joseph 1,430 -7%
165 Savanna 1,570 2%
134 Shelbyville 1,532 0%
255 Sidell 1,946 26%
125 Skokie 1,516 -1%
234 Springfield 1,729 12%
215 Staunton 1,675 9%
83 Sterling 1,460 -5%
89 Stickney 1,471 -4%
78 Streamwood 1,458 -5%
201 Streator 1,630 6%
139 Sullivan 1,534 0%
99 Summit 1,488 -3%
227 Sumner 1,706 11%
149 Taylorville 1,550 1%
117 Teutopolis 1,508 -2%
68 Tinley Park 1,440 -6%
256 Tonica 1,951 27%
167 Toulon 1,572 2%
240 Trenton 1,746 13%
209 Vandalia 1,657 8%
47 Vernon Hills 1,404 -9%
253 Vienna 1,879 22%
55 Villa Park 1,420 -8%
10 Warrenville 1,309 -15%
40 Washington 1,387 -10%
67 Waterloo 1,439 -6%
130 Watseka 1,526 -1%
56 Waukegan 1,420 -8%
53 West Chicago 1,419 -8%
257 West Frankfort 2,028 32%
222 West Salem 1,698 10%
51 Westchester 1,413 -8%
97 Western Springs 1,487 -3%
12 Westmont 1,317 -14%
27 Wheaton 1,347 -12%
131 Willow Springs 1,526 -1%
110 Willowbrook 1,503 -2%
98 Wilmette 1,487 -3%
204 Wilmington 1,644 7%
22 Winfield 1,340 -13%
250 Winnetka 1,828 19%
60 Wood Dale 1,428 -7%
30 Woodridge 1,367 -11%
38 Woodstock 1,383 -10%
183 Worth 1,593 4%
128 Yorkville 1,523 -1%
113 Zion 1,505 -2%

Sources:
Illinois Department of Insurance Homeowners Guides: http://insurance.illinois.gov/HomeInsurance/homeInsurance.asp
Illinois Census Data: http://quickfacts.census.gov/qfd/states/17000.html
Image Courtesy of gabdurakhmanov / Flickr: https://flic.kr/p/6HvqSk

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