Renters and home insurance rates in Illinois
The NAIC's published average premiums for Illinois by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $151
- average homeowners premium (HO-3), per year
- $1,343
- renter households
- 1,658,870
By county
By county
| Cook County | 885,744 | $1,381 | $305,200 |
|---|---|---|---|
| DuPage County | 93,916 | $1,628 | $374,100 |
| Lake County | 65,697 | $1,434 | $326,600 |
| Kane County | 44,441 | $1,404 | $303,000 |
| Will County | 42,182 | $1,413 | $298,000 |
| Winnebago County | 40,130 | $986 | $155,100 |
| Champaign County | 38,999 | $1,018 | $205,100 |
| St. Clair County | 32,620 | $1,032 | $168,800 |
| Madison County | 28,864 | $969 | $167,900 |
| Peoria County | 25,444 | $946 | $152,600 |
| Sangamon County | 24,769 | $954 | $170,300 |
| McLean County | 24,026 | $992 | $198,300 |
| McHenry County | 20,266 | $1,358 | $286,900 |
| Rock Island County | 19,195 | $863 | $144,700 |
| DeKalb County | 15,387 | $1,041 | $231,900 |
| Macon County | 13,067 | $797 | $121,800 |
| Kankakee County | 12,771 | $1,075 | $185,700 |
| Tazewell County | 12,094 | $898 | $164,500 |
| LaSalle County | 11,764 | $906 | $154,900 |
| Jackson County | 11,700 | $746 | $125,000 |
| Vermilion County | 9,286 | $802 | $92,900 |
| Williamson County | 8,307 | $897 | $145,600 |
| Coles County | 8,056 | $793 | $121,900 |
| Adams County | 7,638 | $826 | $155,900 |
| Kendall County | 7,046 | $1,763 | $298,900 |
| Knox County | 6,275 | $725 | $104,900 |
| Whiteside County | 5,696 | $808 | $125,800 |
| Stephenson County | 5,645 | $764 | $127,500 |
| Ogle County | 5,275 | $901 | $184,100 |
| Grundy County | 4,963 | $1,137 | $259,200 |
| McDonough County | 4,456 | $730 | $103,500 |
| Jefferson County | 4,167 | $862 | $118,400 |
| Franklin County | 4,070 | $771 | $87,700 |
| Henry County | 3,974 | $837 | $145,300 |
| Marion County | 3,951 | $771 | $100,100 |
| Macoupin County | 3,885 | $789 | $126,100 |
| Livingston County | 3,813 | $855 | $131,500 |
| Morgan County | 3,721 | $710 | $128,700 |
| Lee County | 3,578 | $853 | $155,100 |
| Christian County | 3,482 | $729 | $112,100 |
| Logan County | 3,415 | $804 | $125,900 |
| Bureau County | 3,338 | $838 | $121,900 |
| Boone County | 3,248 | $1,011 | $198,600 |
| Effingham County | 3,076 | $734 | $179,800 |
| Fulton County | 3,071 | $808 | $102,500 |
| Clinton County | 2,988 | $934 | $180,500 |
| Randolph County | 2,704 | $760 | $134,100 |
| Montgomery County | 2,674 | $715 | $102,200 |
| Saline County | 2,523 | $711 | $92,900 |
| Iroquois County | 2,432 | $793 | $125,400 |
| Woodford County | 2,420 | $907 | $193,800 |
| Monroe County | 2,241 | $996 | $265,600 |
| Edgar County | 2,081 | $757 | $95,700 |
| Jo Daviess County | 1,890 | $795 | $193,900 |
| Shelby County | 1,888 | $762 | $130,400 |
| Jersey County | 1,763 | $794 | $168,800 |
| Richland County | 1,692 | $754 | $106,600 |
| Perry County | 1,684 | $714 | $105,200 |
| Douglas County | 1,635 | $818 | $142,600 |
| Bond County | 1,630 | $735 | $133,100 |
| Union County | 1,602 | $658 | $131,700 |
| Fayette County | 1,550 | $740 | $114,700 |
| De Witt County | 1,538 | $857 | $124,200 |
| Ford County | 1,483 | $836 | $118,100 |
| Warren County | 1,471 | $694 | $101,300 |
| Crawford County | 1,452 | $761 | $113,700 |
| Wayne County | 1,443 | $632 | $109,400 |
| Carroll County | 1,441 | $784 | $113,500 |
| Hancock County | 1,407 | $755 | $108,400 |
| Lawrence County | 1,352 | $810 | $95,500 |
| White County | 1,345 | $706 | $100,100 |
| Moultrie County | 1,314 | $773 | $121,500 |
| Cass County | 1,288 | $723 | $95,500 |
| Pike County | 1,253 | $659 | $100,100 |
| Clark County | 1,207 | $828 | $123,100 |
| Wabash County | 1,178 | $774 | $103,900 |
| Massac County | 1,150 | $793 | $118,000 |
| Mason County | 1,111 | $760 | $106,100 |
| Mercer County | 1,108 | $757 | $139,300 |
| Washington County | 1,077 | $776 | $149,800 |
| Menard County | 1,069 | $780 | $179,300 |
| Clay County | 1,048 | $709 | $94,300 |
| Greene County | 1,046 | $800 | $94,400 |
| Marshall County | 1,007 | $767 | $137,800 |
| Piatt County | 1,000 | $950 | $173,200 |
| Hamilton County | 728 | $566 | $108,800 |
| Cumberland County | 691 | $756 | $117,700 |
| Jasper County | 647 | $766 | $122,900 |
| Johnson County | 634 | $634 | $148,200 |
| Pulaski County | 605 | $625 | $81,000 |
| Schuyler County | 559 | $836 | $106,200 |
| Edwards County | 553 | $746 | $97,500 |
| Brown County | 533 | $724 | $142,200 |
| Stark County | 512 | $765 | $103,500 |
| Putnam County | 477 | $804 | $167,800 |
| Scott County | 425 | $669 | $101,700 |
| Gallatin County | 411 | $500 | $84,700 |
| Alexander County | 408 | $540 | $58,700 |
| Henderson County | 385 | $834 | $101,600 |
| Hardin County | 286 | $342 | $91,700 |
| Pope County | 190 | $438 | $165,300 |
| Calhoun County | 133 | $479 | $174,000 |
Download the Illinois county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Illinois was $151 in 2022, across 1,658,870 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Illinois", updated 2026-08-17, https://homecoverhq.com/rates/illinois/.