Affordable Homeowners Insurance in Illinois

Top Companies

USAA

4.8
- A++ (Superior) financial strength rating by AM Best
- Replacement cost coverage included at no extra charge
- Historically low average premiums
- A++ (Superior) financial strength rating by AM Best
- Replacement cost coverage included at no extra charge
- Historically low average premiums
$1243

/ year

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Amica

4.6
- Policies can be tailored extensively
- Rated higher than many rivals for overall customer and claims satisfaction, according to J.D. Power
- A+ (Superior) AM Best financial strength rating
- Policies can be tailored extensively
- Rated higher than many rivals for overall customer and claims satisfaction, according to J.D. Power
- A+ (Superior) AM Best financial strength rating
$1481

/ year

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Chubb

4.6
- Complimentary advisory service assists clients in making informed choices about coverage and risk management
- Certain coverage add-ons are included by default at no extra cost
- Ranked first in the J.D. Power 2024 U.S. Home Insurance Study
- Complimentary advisory service assists clients in making informed choices about coverage and risk management
- Certain coverage add-ons are included by default at no extra cost
- Ranked first in the J.D. Power 2024 U.S. Home Insurance Study
$3240

/ year

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Progressive

3.7
- Provides an option to bundle with Progressive auto policies
- Local agents on hand
- HomeQuote Explorer allows comparing quotes from multiple companies in one place
- Provides an option to bundle with Progressive auto policies
- Local agents on hand
- HomeQuote Explorer allows comparing quotes from multiple companies in one place
$2652

/ year

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Farmers

3.6
- Pre-set coverage plans can simplify buying a policy
- Wide range of endorsements and benefits offered
- Multiple coverage choices available
- Pre-set coverage plans can simplify buying a policy
- Wide range of endorsements and benefits offered
- Multiple coverage choices available
$2577

/ year

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Erie

4.3
- Erie homeowners policies routinely include guaranteed dwelling replacement cost coverage
- Placed fourth in J.D. Power's 2024 U.S. Home Insurance Study
- Typical home insurance policies offer up to $500 in pet coverage
- Erie homeowners policies routinely include guaranteed dwelling replacement cost coverage
- Placed fourth in J.D. Power's 2024 U.S. Home Insurance Study
- Typical home insurance policies offer up to $500 in pet coverage
$2985

/ year

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Allstate

4.2
- Distinct policy choices you may not find with other insurers
- A variety of discounts designed to lower your costs
- Around-the-clock customer support
- Distinct policy choices you may not find with other insurers
- A variety of discounts designed to lower your costs
- Around-the-clock customer support
$2723

/ year

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State Farm

3.5
- Rated higher than the industry average for overall satisfaction by J.D. Power
- Policyholders might be eligible to receive a complimentary fire hazard monitoring device
- Roofing discounts offered in select states
- Rated higher than the industry average for overall satisfaction by J.D. Power
- Policyholders might be eligible to receive a complimentary fire hazard monitoring device
- Roofing discounts offered in select states
$2209

/ year

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American Family

4.0
- 24/7 claims and policy assistance
- Local agencies within reach
- Consistently low NAIC complaint index, reflecting high customer satisfaction
- 24/7 claims and policy assistance
- Local agencies within reach
- Consistently low NAIC complaint index, reflecting high customer satisfaction
$1994

/ year

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Liberty Mutual

3.8
- Extensive range of discount options
- Multiple coverage choices for tailoring policies
- Offered across all 50 states and Washington, D.C.
- Extensive range of discount options
- Multiple coverage choices for tailoring policies
- Offered across all 50 states and Washington, D.C.
$1750

/ year

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The Hartford

3.9
- Comprehensive coverage choices
- A low NAIC complaint index suggests homeowners are typically satisfied with the company’s service
- Discounts available could reduce the premium
- Comprehensive coverage choices
- A low NAIC complaint index suggests homeowners are typically satisfied with the company’s service
- Discounts available could reduce the premium
$2254

/ year

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Country Financial

4.3
- Various coverage tiers and add-ons
- Unlimited guaranteed replacement cost protection
- Minimal customer complaint rates
- Various coverage tiers and add-ons
- Unlimited guaranteed replacement cost protection
- Minimal customer complaint rates
$2123

/ year

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Popular Companies

USAA
4.8
Amica
4.6
Chubb
4.6
Progressive
3.7
Farmers
3.6
Erie
4.3
Allstate
4.2
State Farm
3.5
American Family
4.0
Liberty Mutual
3.8

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