The Best and Cheapest Home Insurance Companies in Illinois
The Best and Cheapest Home Insurance Companies in Illinois

The Best and Cheapest Home Insurance Companies in Illinois

state grow has the cheapest homeowners indemnity in Illinois, with an average price of $ 953 per year .
That ‘s 49 % less than the statewide average of $ 1,856 per year. early insurers with competitive rates include Farmers and Nationwide .

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A high-quality base policy company will have a combination of gloomy rates, utilitarian coverage options and highly rated customer military service. We ‘ve collected thousands of home insurance quotes and critiqued the top home insurance companies in Illinois in order to find the best choice for a variety of homeowners .

What are the cheapest options for homeowners insurance in Illinois?

The cheapest homeowners indemnity ship’s company in Illinois is State Farm, where the average price is $ 953 per year .
That makes State Farm 49 % less expensive than the average cost of homeowners policy in Illinois, $ 1,856 .
Graph showing the most affordable options for home insurance in Illinois

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The absolute bum companies we found in Illinois were Chubb and USAA. however, Chubb alone covers identical high-value homes, and USAA is entirely available to people affiliated with the military .

Best for most people: State Farm

State Farm Home InsuranceGet a Quote State Farm ‘s brassy prices and high gear customer satisfaction make it the best homeowners insurance company for most people in Illinois. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/statefarm-2 ”, ” description ” : ” State Farm ‘s cheap prices and high customer satisfaction make it the best homeowners policy company for most people in Illinois. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” link ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.statefarm.com & carrier=State % 20Farm ; V3-KqiM8njdUmnsgCxn7FDJD0uB3sJUh9wBJ1vHHWSJ0ejfGjMTDslMuO7nbOCg_6xpk_FXibtxuHjX68d0aQeJyivBQSQ ”, ” name ” : ” State Farm Home Insurance ”, ” hideBanner ” : false, ” hideDescription ” : faithlessly, ” hideDetails ” : true, ” hideDisclaimer ” : fake, ” hideTitle ” : on-key, ” title ” : ” State Farm Home Insurance ” }
We found that the best homeowners policy caller in Illinois for most people is State Farm. The state ‘s largest insurance company is besides the least expensive for Illinois homeowners, with an average monetary value of just $953 per year. That ‘s about one-half american samoa much as the state average and $ 128 less than the second-cheapest option, Farmers Insurance .
department of state farm besides has very dependable service. In Illinois, it scored 4.5 out of 5 stars in our homeowners insurance customer avail rate. That ‘s second only to USAA, which is n’t available unless you ‘re affiliated with the military. Customers were by and large satisfied with the horizontal surface of service they received, specially when it comes to filing and receive requital for an indemnity claim .

Best customer service: Country Financial

Country FinancialGet a Quote Country Financial is our top recommendation for customer serve available to most people. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/countryfinancial-1 ”, ” description ” : ” Country Financial is our top recommendation for customer service available to most people. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” link ” : ” hypertext transfer protocol : \/\/www.countryfinancial.com\/ ”, ” name ” : ” Country Financial ”, ” hideBanner ” : false, ” hideDescription ” : fake, ” hideDetails ” : dependable, ” hideDisclaimer ” : fake, ” hideTitle ” : truthful, ” title ” : ” Country Financial ” }
For Illinois homeowners who want a steadfast insurance company they can rely on, we recommend Country Financial. It has top-rated service, particularly when it comes to handling claims .
In finical, Country Financial scores very well among competitors on the National Association of Insurance Commissioners ( NAIC ) ailment index. According to the index, Country receives about a quarter of the complaints that homeowners insurers of its size typically do. This suggests Country ‘s customers are broadly glad with the company ‘s serve .
The downside of Country Financial is that it has more expensive rates than many of its competitors. While its average price of $1,782 per year is less than the modal rate overall, it ‘s $ 829 more expensive than our top pick, State Farm .
however, you may be able to lower your rate by taking advantage of Country ‘s wide variety of discounts. These include things like bundling your homeowners insurance policy with another policy or having updated wire .

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Best for bundling: Allstate

Allstate Home InsuranceGet a Quote Allstate has a generous pack rebate for people who buy their home and car insurance policies together. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/allstate-3 ”, ” description ” : ” Allstate has a generous bunch deduction for people who buy their family and car insurance policies in concert. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” link ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.allstate.com & carrier=Allstate ; V3-KqiM8njdUmnsgCxn7FDJD0uB3sJUh9wBJ1vHHWSJ0ejfGjMTDslMuO7nbOCg_6xpk_FXibtxuHjX68d0aQeJyivBQSQ ”, ” name ” : ” Allstate Home Insurance ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : faithlessly, ” hideTitle ” : true, ” championship ” : ” Allstate Home Insurance ” }
One winder way for homeowners to save on insurance is to bundle their home and car indemnity policies together, and we found that Allstate has one of the best discounts available — up to 25 %, in some cases .
Allstate besides offers better-than-average prices for homeowners indemnity, even without a bundle discount rate. Its average rate of $ 1,200 per year is 35 % less than the average price statewide .
however, Allstate ‘s home indemnity serve is merely adequate. It fared about average in J.D. Power ‘s national home insurance satisfaction surveil, and it scored a 1.01 in the NAIC complaint exponent — meaning it received 1 % more complaints than a typical company, when controlling for size .

Best for military families: USAA

USAAGet a Quote If you ‘re eligible, USAA offers excellent coverage for low-cost prices. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/usaa-3 ”, ” description ” : ” If you ‘re eligible, USAA offers excellent coverage for low-cost prices. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” link ” : ” hypertext transfer protocol : \/\/www.usaa.com\/inet\/wc\/insurance-products ? akredirect=true ”, ” name ” : ” USAA ”, ” hideBanner ” : false, ” hideDescription ” : faithlessly, ” hideDetails ” : on-key, ” hideDisclaimer ” : false, ” hideTitle ” : genuine, ” title ” : ” USAA ” }
Click here to read our USAA review .
USAA is a well-rated option for homeowners who are affiliated with the military. USAA is systematically ranked as one of the most dependable home insurers in the state. In Illinois, its pace is cheaper than average, but not the best we found, at $ 1,333 per class. That ‘s $ 523 less than the average overall .
USAA ‘s homeowners policy comes with replacement monetary value coverage at no extra cost. With surrogate monetary value coverage, you ‘ll be reimbursed for the full cost to replace damaged or destroyed property, without factoring in disparagement. normally, you ‘d have to pay extra to upgrade to this coverage with other providers. It besides offers some extras that appeal to people in the armed forces, such as a $ 0 deductible on your consistent while you ‘re on active agent duty .
however, USAA is only available to active-duty or withdraw overhaul members, and anyone whose parent or spouse has held a USAA policy policy .

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Illinois insurance rates: City-by-city

The most expensive city in Illinois for home indemnity is Olive Branch, where the average price is $ 2,698 per year .
interim, the cheapest city is Clarendon Hills, where a typical resident pays equitable $ 1,467 — 46 % less than in Olive Branch .
The cost of homeowners insurance varies depending on where you live. You might see a high cost to insure your home if you live in a rural sphere with no nearby fire department or if break-ins are park .

City

Average annual cost

Difference from state average (%)

Abingdon $1,768 -5%
Adair $1,899 2%
Addieville $2,123 14%
Addison $1,508 -19%
Albany $1,676 -10%

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Best homeowners insurance companies in Illinois

The best-rated homeowners policy company in Illinois is USAA, which received a arrant score in our home insurance satisfaction rankings. Homeowners tend to be very happy with the overhaul they receive from USAA, particularly when making a claim .
however, USAA is alone available to people who have served in the U.S. military or who have had a spouse or parent with USAA policy. Five other Illinois insurers received excellent scores of 4.5 stars, making them great choices for the general public, including State Farm and Erie .

Company

Rating

USAA

AAA

American Family

Auto-Owners

Erie

State Farm

Country Financial

Chubb

Farmers

Nationwide

Allstate

Travelers

Most common homeowners insurance perils in Illinois

The most park perils — causes of physical damage to your home — in Illinois are flooding and tornadoes. Homeowners in Illinois may have to purchase flood indemnity on its own to protect their homes against the damage of rising waters. typically, home indemnity wo n’t cover any damage from floods. rather, you must purchase a policy, either through the National Flood Insurance Program or a individual insurance company. Although it ‘s not required by police, you should consider buying flood insurance if your home is in an area that’s near a potentially dangerous body of water — like the shore of the Mississippi River or the edge of Lake Michigan .
Tornadoes are besides common in Illinois. The western separate of the state is on the border of Tornado Alley, a part of the United States that experiences an above-average numeral of tornadoes. Your homeowners insurance protects you from a crack ‘s damaging winds, but you could be underprotected if you would n’t be able to amply rebuild your home if it were destroyed. Consider purchasing guaranteed substitution cost coverage if you ‘re underinsured — and remember that after a large-scale catastrophe like a tornado, costs can increase because labor and construction materials will be in high requirement .
Illinois homeowners could besides face wrong from underground mining tunnels, but fortunately, insurance providers are required to offer coverage for mine settling — when a mine partially or completely collapses. Due to Illinois ‘ history of mining, the Illinois State Geological Survey estimates that there are about 330,000 homes that have a potentially dangerous proximity to defunct metro mines. Since your homeowners indemnity does n’t typically report damage from earth apparent motion ( including mine cave in ), you should check about mine cave in indemnity in your area, particularly if you believe your place is undermined.

Methodology

For our report, we gathered quotes from each of Illinois ‘ ZIP codes. We used a sample property that was built in 1968 and measured 2,100 straight feet. The dwelling was insured to Illinois ‘ median price of a home, $ 194,500 .
We retrieved quotes from 11 of the largest providers in Illinois : AAA, Allstate, American Family, Auto-Owners, Chubb, Country Financial, Erie, Farmers, Nationwide, State Farm and Travelers. ValuePenguin ‘s analysis used policy rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only — your own quotes may be different .
To determine the best home insurance companies in Illinois, we considered data from J.D. Power, the National Association of Insurance Commissioners and AM Best, in addition to our own psychoanalysis .

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