Average insurance rates across 274 cities in Illinois
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Chicago | 2,693,976 | $2,300 | $1,980 | $525/mo | $19/mo |
| Round Lake Beach | 264,451 | $2,107 | $1,813 | $518/mo | $18/mo |
| Peoria | 253,467 | $2,107 | $1,813 | $518/mo | $18/mo |
| Aurora | 181,405 | $2,107 | $1,813 | $518/mo | $18/mo |
| Springfield | 159,671 | $2,107 | $1,813 | $518/mo | $18/mo |
| Joliet | 150,362 | $2,064 | $1,776 | $517/mo | $17/mo |
| Champaign | 150,179 | $2,107 | $1,813 | $518/mo | $18/mo |
| Naperville | 149,540 | $2,236 | $1,924 | $523/mo | $19/mo |
| Rockford | 148,655 | $1,849 | $1,591 | $509/mo | $15/mo |
| Bloomington | 136,524 | $2,107 | $1,813 | $518/mo | $18/mo |
| Elgin | 114,190 | $2,107 | $1,813 | $518/mo | $18/mo |
| Waukegan | 89,435 | $2,107 | $1,813 | $518/mo | $18/mo |
| Decatur | 86,231 | $2,107 | $1,813 | $518/mo | $18/mo |
| Cicero | 84,189 | $2,107 | $1,813 | $518/mo | $18/mo |
| Alton | 78,729 | $2,107 | $1,813 | $518/mo | $18/mo |
Illinois residents pay an average of $2,150 per year for home insurance and $1,850 for auto insurance. Illinois follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/20.
Health insurance in Illinois averages $520 per month for an individual Silver marketplace plan. The weather risk level is medium, with tornado activity affecting premiums. Top insurance providers in Illinois include State Farm, Allstate, Country Financial.
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Policygenius The ZebraThe average home insurance cost in Illinois is $2,150 per year. Rates range from $1,300 to $3,100 depending on home value, location, and coverage level.
Auto insurance in Illinois averages $1,850 per year for full coverage. The state minimum coverage is 25/50/20.
Illinois has moderate insurance costs, with home insurance at $2,150/yr and auto at $1,850/yr compared to national averages of $2,300 and $1,800 respectively.
Illinois requires minimum liability coverage of 25/50/20 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.