Best homeowners insurance companies in Illinois for 2024

Written by

• • Personal Lines

• • Auto insurance
• • Home insurance

Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.

Edited by

• • Personal Lines

• • Property & casualty insurance
• • Rate analysis

Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.

Reviewed by

Kenneth Chavis IV is a senior wealth counselor at Versant Capital Management who provides investment management, complex wealth strategy, financial planning and tax advice to business owners, executives, medical doctors, and more.

Edited by

• • Personal Lines

• • Property & casualty insurance
• • Rate analysis

Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.

Reviewed by

Kenneth Chavis IV is a senior wealth counselor at Versant Capital Management who provides investment management, complex wealth strategy, financial planning and tax advice to business owners, executives, medical doctors, and more.

USAA, Allstate and State Farm are a few of the best homeowners insurance companies in Illinois, according to Bankrate.

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Compare the best home insurance companies in Illinois for 2024 Best Illinois homeowners insurance companies in detail Additional Illinois home insurance companies to consider Cheapest home insurance companies in Illinois Best home insurance discounts in Illinois How much is home insurance in Illinois? What does home insurance cover in Illinois? Additional home insurance coverage types in Illinois Frequently asked questions

To help Illinois homeowners make the best decisions on home insurance, Bankrate’s insurance editorial team took a deep dive into the world of homeowners insurance in Illinois. Our team — which includes licensed agents — compared average rates, customer service, available discounts, coverage options and more to determine which companies Illinois residents may want to consider.

The average home insurance cost in Illinois is $2,290 annually for $300,000 of dwelling coverage. That works out to about $191 a month. Based on our extensive review process, the best homeowners insurance companies in the Land of Lincoln include USAA, Allstate, State Farm, American Family and Farmers.

Cost of home insurance in Illinois

• $2,290 per year for $300,000 of dwelling coverage

Best home insurance companies in Illinois:

• Best for military-focused coverage: USAA
• Best for unique coverage options: Allstate
• Best for bundling policies: State Farm
• Best for endorsements: American Family
• Best for a simplified shopping experience: Farmers

Cheapest home insurance companies in Illinois:

• USAA, Hastings Mutual, State Farm, American Family and Allstate

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Insurance Disclosure

This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.