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Home Insurance · State Guide

Updated: May 15, 2026Written byRai AntonioReviewed byDavid KrugData byFelix Lucero
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Illinois Home Insurance

Illinois home insurance rates, Chicago vs downstate pricing, and the realities of severe weather and aging housing stock.

  • State: Illinois (IL)
  • Avg annual rate: $1,410

Illinois has homeowners insurance premiums close to the national average at about $1,410/year. Tornado and severe thunderstorm activity in central and southern Illinois drive premiums up; northern Illinois and the Chicago metro have lower but still meaningful storm exposure.

Average rates

By region:

  • Chicago metro: $1,500-$2,200/year
  • Suburbs (Naperville, Schaumburg): $1,300-$1,800/year
  • Central Illinois (Springfield, Peoria): $1,100-$1,500/year
  • Southern Illinois (tornado alley extension): $1,300-$1,900/year
  • Rural northern: $900-$1,300/year

Key risks

Tornadoes: Illinois averages 50+ tornadoes per year, with the highest frequency in central and southern counties. Wind damage from severe thunderstorms is the most frequent claim category statewide.

Flooding: Both river flooding (Mississippi, Illinois, Rock rivers) and urban flash flooding in Chicago. Standard policies exclude flood — get separate NFIP or private flood coverage if you’re in a flood plain or below grade.

Sewer backup: Chicago’s combined sewer system makes water-in-basement claims one of the most frequent in the city. Sewer/water backup endorsement is essential here ($50-$150/year, often required by lenders).

Aging housing: Chicago has substantial pre-1940 housing stock. Knob-and-tube wiring, old plumbing, and asbestos siding can affect underwriting.

Who writes in Illinois

  • State Farm — headquartered in Bloomington, IL; dominant market share, generally competitive
  • Allstate — Illinois-based, broad availability
  • Country Financial — Illinois-based, member-style organization, very competitive in rural Illinois
  • Farmers — broad availability
  • American Family — solid Midwest player
  • Erie — strong customer satisfaction, available in northern IL
  • USAA — military-affiliated

Shopping strategy

  1. Always get a State Farm quote — they’re often competitive on home in their home state, even when not cheapest elsewhere
  2. Get sewer backup coverage — essential in Chicago, useful statewide
  3. Verify wind/hail deductible — central/southern Illinois carriers sometimes apply separate severe-weather deductibles
  4. Bundle with auto — Illinois bundle savings typically 12-22%

Illinois is a moderately priced, well-regulated market with strong carrier competition. Sewer backup and tornado/wind coverage are the specifics to nail down.