Home insurance cost in Illinois
About $3,240 a year, or $270 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$3,240
a year
A month
$270
Rank
34 of 51
1 = cheapest; +30% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| South Carolina | $3,205 | 32 |
| Georgia | $3,225 | 33 |
| Illinois | $3,240 | 34 |
| Arizona | $3,415 | 35 |
| North Dakota | $3,510 | 36 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in Illinois?
About $3,240 a year, or $270 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in Illinois expensive?
Illinois ranks 34 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for Illinois: monthly budget · take-home pay · rent.