Home › Home Insurance › Illinois

Cheap Home Insurance in Illinois

Compare home insurance across Illinois — pick your city or ZIP for local rates, or get free quotes now.

Short answer: home insurance in Illinois depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. The average annual home insurance premium in Illinois is about $1,343 (NAIC, 2022); your exact rate depends on coverage and profile.
Updated August 2026
Illinois home insurance basics
Home insurance in Illinois is shaped by local weather and rebuild costs. Local requirements and typical premiums vary — get a quote for your exact rate. Statewide average premium: ~$1,343/yr (NAIC, 2022). Verify with the state insurance department →

Cities in Illinois

Chicago, IL
Aurora, IL
Rockford, IL
Joliet, IL
Naperville, IL
Springfield, IL
Peoria, IL
Elgin, IL
Waukegan, IL
Cicero, IL
Champaign, IL
Bloomington, IL
Arlington Heights, IL
Evanston, IL
Schaumburg, IL

Illinois home insurance FAQ

How much is home insurance in Illinois?

The average annual home insurance premium in Illinois is about $1,343 (NAIC, 2022); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.

How do I get cheap home insurance in Illinois?

Compare multiple carriers, bundle policies, and check local Illinois discounts. Get free quotes in a couple of minutes.

Also compare auto insurance in Illinois →