Cook County Insurance Rates:

Cook County, IL homeowners insurance is nearly $681 to $922, about $56-$76/month. Our exhaustive analysis reveals consumers can save upto $320 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Cost of Homeowners Insurance in Cook County, IL

Cook County is located in Illinois with a total population of 5197677. Cook County is the sixth largest county in Illinois by land area, where 42.2% is covered with water. As most of the water is from Lake Michigan, many homes in the city are at risk of flooding. To protect their home, most people choose home insurance in Cook County. The average cost of homeowners insurance in Cook County, IL, is $929. Numerous factors affect the cost of insurance, including home value, coverage type, deductible, and age of the home. However, homeowners can take advantage of available discounts to lower their home insurance costs.

Check out the discounts available for Cook County homeowners.

Insurance Cost based on the Materials used

Materials used to construct the house plays a significant role in determining the insurance premium amount. For instance, homes built with hail resistant roofs are offered at a premium of $902 in Cook County, IL, whereas homes built with Masonry and Fire resistive Brick are offered at $883 and $818, respectively. Thus, the premium charged will be higher if you use low-quality materials to construct your house.


Insurance Cost based on the Security features

Homes with advanced level security features like fire extinguishers, smoke detectors, new locks are less prone to burglaries and damage. Therefore, homeowners insurance companies in Cook County encourage homeowners to install home safety devices by offering discounts as incentives. Homes with deadbolts and fire extinguishers in Cook County pay $809 and $846, respectively. In addition, homes equipped with burglar alarms and lightning protection pay $846 and $911, respectively, on homeowners insurance.

Insurance Cost based on the House age

House age, i.e., how old the house is, plays an essential role in determining the cost of home insurance. For instance, homes that are 30 or 40 years old pay a premium of $943 and $954, respectively, in Cook County, IL. On the other hand, newly built homes are less prone to damage, and home insurance companies offer considerable discounts to newly constructed homes. Newly built homes in Cook County can avail of lower insurance of $669.

Insurance Cost based on the Claim History

Policyholders can take advantage of discounts to reduce the cost of homeowners insurance by displaying zero claim history. By providing a history of zero claims, homeowners have to pay $808.23, whereas policyholders with one and two claims have to pay a premium of $994.03 and $1049.77, respectively. So, the higher the number of claims, the higher the premium added to the insurance.

Cook County, IL Homeowners Insurance By Home Value

Cook County, IL Home Value Total Homes % of Total Average Cook County, IL Homeowners Insurance
Less than $50,000 36,548 4.0% $80
$60,000 to $69,999 10,165 1.0% $208
$70,000 to $79,999 14,070 1.0% $240
$80,000 to $89,999 19,488 2.0% $272
$90,000 to $99,999 19,635 2.0% $304
$100,000 to $124,999 66,280 7.0% $352
$125,000 to $149,999 62,547 6.0% $448
$150,000 to $174,999 105,233 11.0% $528
$175,000 to $199,999 81,667 8.0% $608
$200,000 to $249,999 163,062 17.0% $736
$250,000 to $299,999 137,794 15.0% $897
$300,000 to $399,999 185,970 20.0% $1137

Top Home Insurance Agents Near Cook County, IL

Home Insurance Company Near Cook County, IL Homeowners Insurance Agency Near Cook County, IL Address
State Farm Don Storino 7428 W Belmnt Ave, Chicago, IL, 60634-3432
State Farm Paul Siano 8130 W 143rd St, Orland Park, IL, 60462-2310
State Farm Peter Tosto 339 N Mlwauke Ave Ste 101, Libertyville, IL, 60048-2282
Allstate Rick Villarreal 31W007 North Ave Ste 102, West Chicago, IL, 60185
Allstate Rudy Espino 1484 W Farragut Ave, Chicago, IL, 60640

Cook County, IL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Cook County, IL

Streets in Cook County Area Homeowners Insurance Cost
N Arquilla Dr, Apache Ave, Jacquelyn Ct, 217th St, W Dover Dr, Robin Crest Ln, Olivia Ave, E Canterbury Dr, Blue Ridge Ave, E Vargo Ln$871
E Marion St, N Meacham Ct, S Lyman St, S 22nd Ave, Metron Dr, Revere Rd, Silent Brook Ln, Beechnut Rd, Wolcott Ave, Thompsons Way$795
Hamlin St, N Maywood Dr, 35th Ave, 30th Ave, Sharon Ct, S Pleasant Ave, N Derbyshire Dr, Whispering Oaks Ct, S Cook St, Windemere Ln$718
E Mission Hills Rd, Bluff Rd, N Newport Ct, Cleveland Rd, Vals Ct, Hinsdale St, W Busse Ave, S Indianapolis Ave, N 77th Ct, Candlelight Dr E$944
Prestbury Ct, Greenfield Ct, Odell Ct, 99th Ter, Breesway Ln, Ithaca Ct, Springwood Ct, Goldcrest Ct, S Dryden Pl, Welch Way$779
Lela Ct, E Green Ln, 84th Ter, Birchwood Rd, Baffin Rd, Great Glen Ct, Naperville Rd, W Mahogany Ct, E Shadow Lake Ter, N Wolcott St$746
Sunshine Ln, Aida Ct, Aberdeen Rd, Sieverwood Ct, Northwest Ave, Post Pl, E Maya Ln, S Washington Ave, Forest Glen Dr E, Woodcrest Ln$848
S Warren Ave, W Colfax St, Petunia Cir, W Leonora Ln, Palmer Dr, Saranac Ln, Mallow Ct, Kolze Ave, 47th Ave, N Lexington Ln$775
Clearwater Ln, E Cheltenham Pl, Haddam Way, Pebble Beach Ct, S Cedar Ln, Crocus Ln, Bobwhite Ct, Harper St, 3 Lakes Dr, Stickney Ave$791
S Meadow Dr, Shannon Dr, N Harvey Ave, Savoy Ct, Panorama Dr, Blackthorne Ln, Maplebrook Dr, Harrison, McGarity Rd, Austin Ln$709

Cook County, IL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cook County$120 to $122
Oak Park$129

Cook County, 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
Chicago city, Illinois $100 $133 $200
Cicero town, Illinois $96 $127 $191
Oak Park village, Illinois $108 $143 $215

Cook County, 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
Cook County, IL3.4%10.3%
Oak Park2.85%7.62%

Cook County Renters Insurance as a Percentage of Rent

Cook County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 14,300 1.0% $318
$200 to $299 19,567 2.0% $768
$300 to $499 34,086 4.0% $1218
$500 to $749 126,385 16.0% $1893
$750 to $999 238,042 30.0% $2643
$1,000 to $1,499 225,956 29.0% $3768
$1,500 or more 112,285 14.0% $5418

Latest Home Insurance Reviews by Location

Hanover Park, IL

I would recommend my company because they have great rates when you take multiple policies with them.
Read more Hanover Park home insurance reviews

Elgin, IL

State Farm
i would rate it as a 2 sometimes its okay and sometimes its not. I think when it time to put in for an insurance claim they put you through to much red tape
Read more Elgin home insurance reviews

Lyons, IL

Erie Insurance
Compared to other home insurance companies, my company offered a robust policy, including both the house and property insurances. The deduction amount is also flexible to the customers.
Read more Lyons home insurance reviews

Evanston, IL

State Farm
Based on the interactions I have had so far with State Farm, I would recommend them for home and auto insurance.
Read more Evanston home insurance reviews

Streamwood, IL

The company policy offerings are pretty same as other companies. I have auto insurance with them too so I get a good discount.
Read more Streamwood home insurance reviews

Glenview, IL

State Farm
I give them a 5 for their policy I agree with everything on there policy. There policy is one of a kind that I recommend to everyone.
Read more Glenview home insurance reviews

Bartlett, IL

State Farm
Read more Bartlett home insurance reviews

Woodridge, IL

I would reccommend my home insurance company to people in the future. Their rates are competitive and overall customer service is good even though I have not had to file a claim for anything yet.
Read more Woodridge home insurance reviews

Northbrook, IL

Farmer's Insurance
Would highly recommend just because of the customer service. I can trust my agent to always give me fair prices and policies. He's always available if I need to call him.
Read more Northbrook home insurance reviews

Tinley Park, IL

American Family Insurance
The premium and deductible are very affordable with American Family.I have also not filed a claim so my premium and deductible are potentially more favorable.
Read more Tinley Park home insurance reviews

Palatine, IL

State Farm
I would, and have recommended by agent and state Farm to others. I personally know at least one contact that has switched to State Farm due to my recommendation.
Read more Palatine home insurance reviews

Northfield, IL

Erie Insurance
I haven't shopped around, I asked my friends what they pay for insurance and what coverage they have. It seems Erie is on par with their insurance companies.
Read more Northfield home insurance reviews

Hanover, IL

I would recommend Progressive for home insurance as their customer service is top notch, rates are incredibly competitive, coverage is comparable.
Read more Hanover home insurance reviews

Elmhurst, IL

The premium of our policy is much cheaper than others because they took the fire hydrant and fire station being so close into consideration.
Read more Elmhurst home insurance reviews

Oak Park, IL

Amica Mutual Insurance
Amica was comparable in price and had better reviews for customer service compared to other insurance providers we were able to find on the internet.
Read more Oak Park home insurance reviews

Hoffman Estates, IL

State Farm
I do not currently have home insurance. Therefore, I do not have any information about home insurance offerings as compared to other insurance providers.
Read more Hoffman Estates home insurance reviews

Arlington Heights, IL

Erie Insurance
i would tell all my friends and relatives about my new ins co.ERIE and tell how good they were to me on the phone .
Read more Arlington Heights home insurance reviews

Oak Lawn, IL

Their home insurance policy is affordable and tailored to the customers need including the cost to rebuild your home and other structures on your property.
Read more Oak Lawn home insurance reviews

Chicago Heights, IL

I would definitely recommend everyone to at least reach out to Geico to get a quote, because I honestly saved HUNDREDS of dollars per year by switching.
Read more Chicago Heights home insurance reviews

Worth, IL

Farmer's Insurance
super helpful when questions about chaningng my policy or anything of the like. recommend to my friends all the time
Read more Worth home insurance reviews

Schaumburg, IL

American Family
I would highly recommend American Family Insurance for home insurance. They are great to work with and have great coverage.
Read more Schaumburg home insurance reviews

Chicago, IL

American Family Insurance
I am satisfied. I would give then an 4. There are a few things I have issues with but for the most part they're great.
Read more Chicago home insurance reviews

Wheeling, IL

I like the companys customer service. I think they are a great company.
Read more Wheeling home insurance reviews

Des Plaines, IL

I would recommend AAA to a friend because of their great service. They are extremely reliable and have great customer service.
Read more Des Plaines home insurance reviews

Orland Park, IL

I personally thinking that Allstate premium and deductions are much better when compare with other insurance companies in US., and Allstate offers much more competitive prices than their competitors.
Read more Orland Park home insurance reviews

Park Ridge, IL

I would recommend Geico because on all occasions I have interacted with them they were responsive and helpful.
Read more Park Ridge home insurance reviews

Buffalo Grove, IL

Farmer's Insurance
Their customer service is really great. The wait times arent too long and when you get somebody on the line they know what they're doing.
Read more Buffalo Grove home insurance reviews

Calumet City, IL

American Family Insurance
Read more Calumet City home insurance reviews

Niles, IL

I recommend Progressive to everyone mainly based on price and customer service. If people comparison shop they will come to the same conclusion.
Read more Niles home insurance reviews

Skokie, IL

Metlife handles all of my insurance needs. Auto, home and personal property policies are bundles together. I have compared quotes from other companies.
Read more Skokie home insurance reviews

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