🏠 Home insurance cost in Chicago, IL (2026)
Estimated average: $2,318 per year — +1% vs. the U.S. average of $2,300.
$2,318
Est. home insurance in Chicago
per year
$2,070
Illinois average
$2,300
U.S. average
2,664,452
Population
Estimate your home insurance in Chicago
Chicago home insurance estimator
Estimated$1,460/year
Starts from the Chicago estimate. Get quotes to confirm your price.
Chicago home insurance FAQ
How much is home insurance in Chicago, IL?
The estimated average is $2,318 per year — above the state average (+12% vs. the Illinois average of $2,070, and +1% vs. the U.S. average).
Is home insurance more expensive in Chicago than elsewhere in Illinois?
Chicago has about 2,664,452 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Chicago?
Compare at least three quotes from insurers active in Chicago, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.