🏠 Home insurance cost in Illinois (2026)
The estimated average is $2,070 per year — below the national average (-10% vs. the U.S. average of $2,300).
Illinois is home to about 12.5 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Chicago typically differ from smaller towns.
Estimate your home insurance in Illinois
Illinois home insurance estimator
Starts from the Illinois average. Estimate only — get quotes to confirm.
Home insurance cost in Illinois cities
| City | Population | Est. home insurance |
|---|---|---|
| Chicago | 2,664,452 | $2,318 |
| Aurora | 179,266 | $2,070 |
| Joliet | 150,362 | $2,070 |
| Naperville | 149,936 | $2,070 |
| Rockford | 147,711 | $2,070 |
| Springfield | 113,273 | $2,070 |
| Peoria | 113,150 | $2,070 |
Illinois home insurance FAQ
How much is home insurance in Illinois?
The estimated average home insurance in Illinois is $2,070 per year, which is below the national average (-10% vs. the U.S. average of $2,300). Illinois ranks 22 of 51 states from most to least expensive.
Why is home insurance cheaper in Illinois?
Home insurance pricing in Illinois reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Midwest.
How can I save on home insurance in Illinois?
Compare at least three quotes from insurers active in Illinois, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.