🏠 Home insurance cost in Chicago, IL (2027)
Estimated average: $2,318 per year — +1% vs. the U.S. average of $2,300.
With about 2,664,452 residents, Chicago is a major metro and the largest city in Illinois. Home insurance rates here are estimated at $2,318 per year, above the Illinois average of $2,070 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Chicago with other Illinois cities.
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Chicago home insurance estimator
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Chicago home insurance FAQ
How much is home insurance in Chicago, IL?
The estimated average is $2,318 per year — above the state average (+12% vs. the Illinois average of $2,070, and +1% vs. the U.S. average).
Is home insurance more expensive in Chicago than elsewhere in Illinois?
Chicago has about 2,664,452 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Chicago?
Compare at least three quotes from insurers active in Chicago, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.