MoneyGeek compared quotes from the top Illinois insurers to determine how much homeowners insurance costs in Illinois. MoneyGeek used Quadrant to compare quotes by zip code in Illinois. This resulted in a breakdown of the average cost for dwelling coverage, personal property coverage, and liability coverage.
Allstate
Allstate homeowners insurance costs vary depending on how much coverage you need and the location of your home. The type of home you have and the history of any claims will affect how much it costs. A local agent can provide a quote or online for homeowners insurance. Compare Allstate policies and coverage options to determine if they are worth your time.
Allstate is an affordable insurance company. Their homeowner insurance cost averages about $930 per annual. The company's website offers an online estimate tool that can give you an estimate for how much your home and auto insurance will cost. You will be asked for your zipcode and basic information about your home. This tool will calculate how much each month your policy will cost.
Farmers
Farmers is the largest provider of Illinois home insurance. Their policies provide a broad range of coverage at reasonable rates. In addition, they offer many discounts for bundling policies and certain renovations, like a new roof. Purchasing policies through Farmers can also be convenient because they allow you to purchase them online or over the phone. You can also compare rates and coverages with modern tools, like mobile apps.
The Illinois Farmers homeowners insurance average cost is $1592, which falls below the $2053 state average. Farmers policies have a lot of perks. They include a guaranteed rate increase after five year without any claims. The company also offers a decreasing deductible option, which allows policyholders lower their deductibles each calendar year without increasing rates.
Nationwide
Nationwide homeowners insurance is available in a number of ways that can help you save money. A combination of policies with the same insurance company and installing protection devices such a burglar alarm can give you a discount. You may also qualify for a discount if Nationwide has insured you in the past or if you just bought a home.
Nationwide offers homeowners coverage across the nation. But, Nationwide also offers many other types of insurance policies. Nationwide also offers discounts for multipolicy packages, home security systems, gated communities, and other insurance policies. These policies will protect you assets under many circumstances. You can save money by adding these policies to your annual premiums.
Farmers Connected To Home
Farmers is one the most popular home insurance companies in the State and offers great prices. Farmers offers an impressive range of coverage options as well as endorsements. Farmers also offers special discounts to people who have not yet filed a claim. Farmers allows you to bundle multiple policies and save on your insurance.
Insurance rates for homeowners can vary widely from one state to another. The average homeowner's insurance cost in Hawaii is $100 per month. In other states, however, the average cost of homeowner's insurance is significantly higher.
USAA
The average USAA homeowner's insurance policy cost in Illinois is below $1,100 per calendar year. While the company enjoys a good reputation, some consumers are unhappy with the premium. Regardless, most customers are happy with the rates and discounts. USAA ranks middle in comparison to other providers.
The Illinois home insurance rates charged by USAA are comparable with the national average. Chicago insurance is more expensive than other parts of the state.