Homeowners Insurance Illinois

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Average Homeowners Insurance in Illinois: $760

Median Home Price in Illinois: $159,300

Illinois homeowners insurance rates in December 2013 stood at an average of $760 as compared to $760 in November 2013.

Insurance Premium Saving Tips in Illinois

  • Bundle your insurance:

    Bundling home and car insurance in Illinois with the same provider will have approximately $76 to $114 of savings in Illinois

  • Safety Systems:

    Having safety systems at home can save up to $133 in Illinois

  • New Home:

    If your home was built within the past 10 years in Illinois, you could save up to $152

  • Senior Discounts:

    Senior citizens (55 or older) in Illinois could save approximately $152

Homeowners insurance cost by coverage

Insurance rangeAverage homeowners insurance cost($)
$49,999 and Under103
$50,000 to $74,999648
$75,000 to $99,999628
$100,000 to $124,999657
$125,000 to $149,999702
$150,000 to $174,999746
$175,000 to $199,999789
$200,000 to $299,999879
$300,000 to $399,9991,036
$400,000 to $499,9991,242
$500,000 and Over1,833

Renters insurance cost by coverage

Insurance rangeAverage renters insurance cost($)
$13,999 and Under131
$14,000 to $19,999150
$20,000 to $25,999156
$26,000 to $31,999172
$32,000 to $37,999168
$38,000 to $43,999181
$44,000 to $49,999191
$50,000 to $74,999214
$75,000 to $99,999 270
$100,000 and Over427

Average homeowners insurance by county

CountyHome Insurance Cost
Champaign County$641 to $870
Will County$675 to $912
Mclean County$645 to $873
Williamson County$618 to $837
Vermilion County$612 to $830
Rock Island County$628 to $849
Alexander County$602 to $822
Macoupin County$618 to $839
Franklin County$607 to $823
St. Clair County$632 to $857
Madison County$632 to $856
Dupage County$703 to $951
Clark County$616 to $835
Kendall County$674 to $914
Mchenry County$676 to $915
Fayette County$612 to $832
Randolph County$617 to $837
Edwards County$606 to $822
Knox County$614 to $832
Lasalle County$632 to $857
Adams County$623 to $844
Henderson County$614 to $835
Marshall County$622 to $845
Woodford County$645 to $874
Livingston County$624 to $848
Stark County$616 to $836
Cook County$681 to $922
Tazewell County$635 to $859
Grundy County$656 to $891
Effingham County$626 to $849
Carroll County$621 to $843
Iroquois County$621 to $842
Jasper County$612 to $835
Boone County$647 to $879
Kankakee County$641 to $870
Jersey County$628 to $854
Logan County$621 to $841
Bond County$620 to $846
Mercer County$619 to $841
Ford County$618 to $838
Fulton County$614 to $833
Brown County$614 to $836
Shelby County$616 to $835
Morgan County$618 to $839
Richland County$612 to $832
Macon County$618 to $839
Bureau County$623 to $845
Pope County$612 to $846
Clay County$610 to $831
De Witt County$623 to $846
Whiteside County$621 to $842
Hamilton County$610 to $831
Saline County$610 to $827
Union County$617 to $838
Kane County$676 to $916
Jo Daviess County$637 to $867
Lake County$690 to $934
Mason County$614 to $832
Marion County$610 to $827
Putnam County$629 to $863
Moultrie County$618 to $840
Lawrence County$607 to $823
Sangamon County$632 to $856
Pulaski County$602 to $817
Edgar County$610 to $827
Peoria County$632 to $856
Schuyler County$611 to $829
Warren County$614 to $834
Cass County$612 to $830
Calhoun County$626 to $853
Wayne County$610 to $827
Perry County$612 to $831
Winnebago County$634 to $857
Jackson County$620 to $842
Coles County$618 to $838
Pike County$612 to $830
Hardin County$608 to $830
Johnson County$616 to $841
Greene County$611 to $827
Washington County$623 to $845
Hancock County$613 to $832
Gallatin County$605 to $821
Cumberland County$613 to $834
Douglas County$621 to $842
White County$607 to $826
Mcdonough County$616 to $835
Crawford County$611 to $829
Ogle County$642 to $871
Christian County$615 to $832
Henry County$624 to $848
Jefferson County$616 to $835
Dekalb County$653 to $886
Monroe County$660 to $898
Stephenson County$623 to $845
Piatt County$629 to $855
Lee County$626 to $850
Clinton County$633 to $858
Wabash County$612 to $832
Scott County$612 to $833
Menard County$626 to $854
Massac County$613 to $835
Montgomery County$613 to $833

Recent home insurance reviews

Company: None,
Location: suburban subdivision

I am 24 years old, male and single. My house is 14 years old and was not a new purchase. I have a standard roof. Yes, this house is my primary residence. I have four bedrooms and two and a half bathrooms. My home is in a suburban subdivision. My house is about five miles away from the town's fire station. I do not bundle my home and auto insurance. My deductible is $500. I do not have a swimming pool, but I do have a monitored security system along with IP video cameras and door/window sensors.

Company: Farmers Insurance Company,
Location: None

I use Farmers Insurance Company for my homeowners insurance. I pay about $1800 per year for my coverage of my home with a $5,000 deductible. My coverage provides full replacement of my home, worth about $450,000. I have been with Farmers for more than 20 years and have filed two claims in that time, both of which were paid quickly and without any hassle on my part. I utilize a local agent who has always provided outstanding service, including routine policy check-ups to ensure my coverage remains current. I have always appreciated these routine check-ups since my home is my largest investment, by far and I want to make sure I am properly covered in the event of an accident.

Home Insurance Monthly Trends

The below graph compares Illinoiss home median prices against, renters and owners home insurance average rates in Illinois.

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