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Illinois Home Insurance - What's Happening

Though Illinois home insurance rates are set statewide, quotes for individual coverage can vary greatly depending on the size and age of your home and your claims history, among other factors. This is true of the effect on Illinois homeowners insurance rates whether you live in Chicago, Aurora, or a more rural part of the state.

Midwest weather can be unforgiving. Hot and humid summers plus frigid winters and year-round precipitation create risky weather for Illinois homeowners insurance providers. In the second quarter of 2014, Illinois home insurance quotes averaged $822, right in line with the national average of $829.

Don't let the state average discourage you. There are plenty of opportunities to save on your Illinois home insurance. Call today to get your free quote. You can also get started on finding a quote by filling out our short informational form on this page.

Curious about car insurance? Click here to learn more about auto insurance in Illinois.

Illinois Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


Home Grade

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Property Grade

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Bonus Grade

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Overall Grade

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Home (Grades related to the house itself)

When evaluating Illinois home insurance quotes, we found that Illinois was doing well but had room for improvement. High rebuilding prices and the cost of insuring other structures (sheds and detached garages) dragged down the state's score.


Average year built

The average Illinois home was built in 1972, a little older than the US average of 1980 but still appealing to insurers and homeowners.


Average home size

Smaller homes generally cost less to insure, and Illinois homes are smaller on average than those across America. 30% of Illinois homes were one-story, ranch-style houses.


Average replacement cost

Replacement costs for Illinois homes were greater than every state except New Jersey. This is reflected in most policies.


% of homes with sump pump

58% of Illinois homes have basements, a big reason why 36% of homeowners have installed sump pumps.

Property (Factors related to the property and location)

When it comes to Illinois home insurance, there's more to a policy than protecting your physical home. You need property and liability coverage for all detached structures on your property. Many suburban homes reported other factors that contribute to higher premiums, including swimming pools and ATVs.


Average structure cost

The cost of insuring all other structures Illinois homeowners' property averaged more than $42,000, fourth highest in the country.


% of homes with a swimming pool

Hot Midwest summers means more Illinois homes have pools than the national average.


%ATV/Snowmobile on property

The state ranked in the middle of the pack for homes for on property off-road vehicles such as ATVs and snowmobiles.

Bonus (Other factors that influence your home insurance premiums)


% of homes with fire extinguishers

Despite fire claims being among the most expensive for insurers, only 90% of homes reported having a fire extinguisher.


% of homes with dead bolt locks on exterior doors

96% of homes in the state have deadbolt locks on exterior doors, a percentage that places Illinois lower in our ranking.


% of homes with smoke detectors

Only three states had fewer homeowners who reported having installed smoke detectors than Illinois.


% of homes with security alarms

At 16%, Illinois ranked in the middle for homes with installed security systems.

Overall Grade - C (nothing to write home about)

After evaluating Illinois home insurance rates, we had no choice but to give Illinois a C. Replacement costs for a total loss were among the highest in the country, and the state scored poorly on some key home safety measures.

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