Chicago Insurance Rates:

Chicago, IL homeowners insurance is roughly $682 to $923, about $56-$76/month. Our thorough guide reveals consumers can save upto $321 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Stillwater Insurance Group
Based on the quotes i received from other companies in the past, i saved ten percent by going with this company.
State Farm
State farm's website is very hard to navigate. sometimes you have to search for what you need to find and i have had to call their customer service to get help.
Met
We only had about 2 or 3 claims in all these years, but they were solved very quickly without any complaints.

Chicago, IL Homeowners Insurance By Home Value

Chicago, IL Home Value Total Homes % of Total Average Chicago, IL Homeowners Insurance
Less than $50,000 13,391 3.0% $80
$60,000 to $69,999 4,654 1.0% $208
$70,000 to $79,999 6,402 1.0% $240
$80,000 to $89,999 8,560 2.0% $273
$90,000 to $99,999 8,192 2.0% $305
$100,000 to $124,999 28,615 7.0% $353
$125,000 to $149,999 24,094 6.0% $441
$150,000 to $174,999 43,046 11.0% $521
$175,000 to $199,999 33,405 8.0% $602
$200,000 to $249,999 66,281 17.0% $730
$250,000 to $299,999 57,170 15.0% $891
$300,000 to $399,999 78,629 20.0% $1132

Top Home Insurance Agents Near Chicago, IL

Home Insurance Company Near Chicago, IL Homeowners Insurance Agency Near Chicago, IL Address
NA Northwestern Insurance Agency & Associates, Inc. 820 S Bartlett Road, Ste 101, Streamwood, IL, 60107
State Farm Dan Zebert 241 Golf Mill Ctr Ste 316, Niles, IL, 60714-1215
State Farm Gregory Pec 1213 Maple Ave Unit 1, Lisle, IL, 60532-4139
State Farm Jeff Peschke 6942 Grand Ave, Hammond, IN, 46323-2570
Allstate Paul Lee 6036 Dempster St, Morton Grove, IL, 60053

Cost Of Homeowners Insurance By Street Near Chicago, IL

Streets in Chicago Area Homeowners Insurance Cost
W 1st St, N Park Blvd, N Park Ave, Alma Ave, W Hickory Rd, N Wheaton Ave, Eastview Ave, Lorraine St, Linden St, Taft Ave$952
E Kenilworth Ave, Iowa Ave, Wingate Rd, Reber St, E Willow Ave, Avery Ave, Ridgewood Ave, Clinton Ave, W Indiana St, E 2nd St$838
E Vermont St, N Park Ave, Evergreen St, Glade Ave, Stoneham St, Revere Rd, N Blanchard St, E Evergreen St, W Wood Ave, Poppy Ln$836
N West St, S Park Rd, S Sunnyside Ave, W Le Moyne Ave, Lombard Ave, Fairlane Ave, Woodland Dr, Crescent Blvd, Lakeview Ter, Sheila Pl$810
S Edson Ave, E Seminary Ave, Utley Rd, Marion Ct, S Boyd Ave, W Eugenia St, E Wood Ave, N Park Blvd, S Columbine Ave, S Charlotte St$797

Chicago, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Chicago$120 to $122
Cicero$114
Cook County$120
Forest View$117

Chicago, IL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Cicero town, Illinois $115 $153 $230
Cook County, Illinois $120 $160 $240
Forest View village, Illinois $117 $156 $234

Chicago, IL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Chicago, IL3.4%11.2%
Cicero3.51%10.23%
Cook County3.43%10.25%
Forest View3.5%12.4%

Chicago Renters Insurance as a Percentage of Rent

Chicago Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 12,152 2.0% $317
$200 to $299 16,669 3.0% $767
$300 to $499 27,172 5.0% $1217
$500 to $749 97,430 18.0% $1892
$750 to $999 155,753 28.0% $2642
$1,000 to $1,499 153,243 28.0% $3767
$1,500 or more 78,652 14.0% $5417

Chicago, IL Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
60603 $618,100 $1,000
60614 $512,400 $970
60611 $505,800 $950
60604 $482,600 $940
60601 $465,700 $940
60622 $432,000 $890
60610 $421,700 $910
60657 $408,900 $910
60654 $405,900 $910
60618 $355,200 $870
60647 $354,700 $890
60605 $354,400 $890
60607 $347,000 $870
60661 $342,700 $870
60631 $335,200 $870
60602 $330,400 $860
60606 $327,500 $860
60613 $317,200 $860
60625 $316,000 $860
60616 $297,000 $840
60641 $287,400 $830
60630 $286,700 $850
60640 $277,600 $830
60612 $275,500 $840
60653 $259,700 $820
60608 $247,800 $830
60615 $237,600 $800
60639 $236,700 $820
60660 $231,700 $810
60626 $221,900 $800
60637 $202,200 $800
60632 $198,900 $790
60651 $197,800 $790
60624 $194,900 $800
60644 $192,100 $780
60609 $192,000 $790
60652 $180,500 $780
60649 $180,400 $780
60623 $173,900 $780
60629 $171,800 $780
60619 $162,900 $770
60620 $150,200 $760
60617 $149,800 $760
60628 $134,900 $760
60621 $120,400 $750
60636 $112,100 $740

Chicago, IL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Chicago Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,000$8,400
Net Savings to Chicago Home Owner from High Deductible Plan $600

Chicago, IL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Chicago, IL Home Replacement Value MORE than Home Value Chicago, IL Home Replacement Value LESS than Home Value
Replacement Value $515,500 $356,000
Insurance Premium based on Replacement Value $2,875 $2,000
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $63,000 Risk Exposure from Under Insuring Coverage is $96,500
Premium Impact Insurance cheaper by $525/year Insurance costlier by $350/year

Example Chicago Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersLiberty MutualChubb Group of Insurance
Monthly Premium 3866114
Year Built 196919791948
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $100000-$125000$175000-$200000$250000-$300000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Chicago, IL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1975 255,000 Membrane Roof 2,310 3 $500- $1000 Deductible 350 4 Wood siding No
1973 150,000 Membrane Roof 1,100 2 $1000-$2500 Deductible 90 2 Wood siding yes
1960 240,000 Metal Roof 1,930 3 $2500-$5000 Deductible 620 9 Vinyl siding yes
1979 160,000 Metal Roof 1,300 2 $500 Deductible 360 5 Stucco siding No
1974 220,000 Asphalt Shingles Roof 1,800 2 $500- $1000 Deductible 110 1 Fiber-Cement Siding No
1962 345,000 Metal Roof 2,380 3 $5000 to $10,000 Deductible 360 5 Stone Siding No
1967 235,000 Slate Shingles Roof 2,060 4 > $10,000 Deductible 110 3 Stone Siding No
1948 315,000 Shingles Roof 2,070 3 $1000-$2500 Deductible 580 7 Stone Siding No
1938 230,000 Asphalt Shingles Roof 1,241 3 $2500-$5000 Deductible 1010 7 Brick siding yes