Homeowners insurance in Illinois: premium by ZIP code
Illinois's median ZIP code paid $1,563 per policy in 2022, up +14.5% after inflation, ranked 6 of 51 for growth.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Illinois (median ZIP code)
$1,563
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $2,082.
| Change from 2018 to 2022, after inflation | +14.8% |
| Premium per policy in 2018 | $1,362 |
| Premium per policy in 2022 | $1,563 |
| 2022 premium carried to September 2026 (BLS index) | $2,082 |
| Policies not renewed by the insurer, 2022 | 0.87% |
| Claims paid per 100 policies, yearly average | 5.3 |
| Average claim paid, 2018 to 2022 (adjusted) | $14,502 |
| Cancelled for nonpayment, 2022 | 1.56% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 1,193 ZIP codes in 102 counties of Illinois in the Treasury file · not a quote
Illinois has one of the largest sets of ZIP codes in the Treasury file, 1,193, and its median homeowners premium per policy was $1,563 in 2022, close to the national $1,551. What stands out is the steady rise: +14.5% after inflation from 2018, ranked 6 of 51, with every year higher than the last. The premium range is narrow for a large state, from under $1,367 for the cheapest tenth of ZIP codes to over $1,855 for the dearest. Cook County's 158 ZIP codes had a median of $1,643, nearly the same as DuPage at $1,637 and Will at $1,649. The dearest ZIP codes were downtown Chicago's 60611 and 60654. Claims peaked in 2020, the year of the August derecho, at 5.5 per 100 policies. The Illinois FAIR Plan covers homes private insurers decline. The data stop in 2022.
Chicago and the collar counties
Cook County rose +10.8% after inflation from 2018 to 2022, DuPage +10.4% and Will +12.5%. The suburban counties pay about the same per policy as the city, which reflects similar storm exposure and similar house values on average. The two dearest ZIP codes in the state, 60611 and 60654 in the Near North Side and River North, paid $5,978 and $5,862 per policy: a small number of homeowners policies on large houses and townhouses, in areas where most residents rent or own condominiums insured on other forms.
Downstate
Champaign County, home of the University of Illinois, had a median of $1,457 and one of the faster rises, +15.1%. The cheapest ZIP codes were in the north of the state, 61367 in Lee County at $1,039 and 61013 in Stephenson County at $1,081. Illinois has many small towns with long-established mutual insurers, and some of them were not asked to report in the data call, so rural ZIP codes may be less well represented than urban ones.
Illinois against a neighboring state
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Median premium per policy in Illinois, 2022
$1,563
| Same premium carried to September 2026 with the BLS index | $2,082 |
| Median ZIP change 2018 to 2022, after inflation | 14.5% |
| Cheapest tenth of ZIP codes pays under | $1,367 |
| Dearest tenth of ZIP codes pays over | $1,855 |
Wind and hail
Paid claims ran at 5.3 per 100 policies a year, ranked 22 of 51, with a peak of 5.5 in 2020 when the derecho of August 10 crossed northern Illinois with hurricane-force winds. The paid loss ratio that year was 46%, then fell to 37% in 2022. The average claim, $14,502, was a little below the national figure. Many Illinois policies now carry a separate wind and hail deductible; the roof claim page shows how it combines with roof depreciation.
Renewals and the FAIR Plan
Insurers declined to renew 0.87% of policies in the median ZIP code in 2022, close to the national rate. The Illinois FAIR Plan Association writes dwelling and homeowners forms, both named-peril and multi-peril, for homes that cannot find a private insurer, which makes it broader than many FAIR plans. The Illinois Department of Insurance reviews complaints. Basement water is the classic Chicago-area claim; sewer and drain backup needs its own endorsement on most policies.
Illinois, year by year
| Year | Illinois median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,362 | $1,445 | 0.89% | 4.5 | 41% |
| 2019 | $1,405 | $1,469 | 0.92% | 5.2 | 43% |
| 2020 | $1,462 | $1,491 | 0.71% | 5.5 | 46% |
| 2021 | $1,515 | $1,521 | 0.94% | 4.7 | 39% |
| 2022 | $1,563 | $1,551 | 0.87% | 4.4 | 37% |
The Illinois counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Cook County | 158 | $1,487 | $1,643 | +10.8% | 0.88% | $15,936 |
| DuPage County | 36 | $1,485 | $1,637 | +10.4% | 0.94% | $16,742 |
| Will County | 30 | $1,488 | $1,649 | +12.5% | 1.12% | $15,621 |
| Champaign County | 28 | $1,277 | $1,457 | +15.1% | 0.99% | $14,051 |
| Madison County | 27 | $1,457 | $1,699 | +17.0% | 0.50% | $13,759 |
| Lake County | 26 | $1,463 | $1,669 | +11.4% | 0.98% | $17,130 |
| St. Clair County | 25 | $1,486 | $1,729 | +17.2% | 0.88% | $14,666 |
| Sangamon County | 24 | $1,461 | $1,660 | +13.0% | 0.85% | $15,650 |
Highest and lowest premiums per policy, Illinois ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 60611 | Cook County | $5,978 | +30.5% | 1.92% |
| 60654 | Cook County | $5,862 | +32.6% | 1.39% |
| 60610 | Cook County | $5,123 | -1.7% | 1.52% |
| 60043 | Cook County | $5,043 | +10.6% | 0.74% |
| 60022 | Cook County | $4,752 | +15.4% | 0.71% |
| 61367 | Lee County | $1,039 | +2.7% | 0.37% |
| 61013 | Stephenson County | $1,081 | +11.1% | 0.55% |
| 60456 | Cook County | $1,081 | +12.8% | 1.31% |
| 62273 | Bond County | $1,208 | +0.1% | 3.12% |
| 60915 | Kankakee County | $1,211 | +9.1% | 0.90% |