Renters Insurance in Illinois

Renters insurance doesn’t need to be confusing. Compare rates by city and carrier below.

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How to find inexpensive renters insurance in Illinois

Renters insurance is an affordable type of insurance that keeps your belongings safe in the event your apartment suffers major damage. A renters policy protects items from fire, smoke damage, a wind storm, vandalism or theft, and a number of other misfortunes.

There are relatively large variations in renters pricing from state to state. Renters insurance costs by state differ based on the number and total value of renters policy claims filed in that state, and depend on the value of the belongings you're covering.

Illinois renters insurance is less expensive than the US average. The average annual cost of renters insurance in Illinois is $156, $28 less expensive than the US average.

The easiest way to acquire affordable renters insurance in Illinois is to compare rates from multiple insurance companies. Get an idea of renters insurance costs in Illinois by reviewing the below data. Your rates may vary, depending on your coverage limits and the valuation of your belongings.


Illinois renters insurance:
  1. By insurance company
  2. By city
  3. Bundling
  4. FAQs


Renters insurance prices in Illinois by company

Renters insurance rates in Illinois can vary depending on which insurer you select. AAA provides the cheapest renters insurance in Illinois — only $83 per year. This beats the state average price of $156, offering a 47% discount on rates typical to the state.

Start searching for cheap renters insurance by viewing average rates from top Illinois carriers, listed below.


CompanyAverage Annual Rate in Illinois
State Farm$126.60

If you're not interested in the companies above, you should consider Lemonade as another option for your renters insurance needs. Lemonade offers instant quotes. Click below to get started. 

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Illinois renters insurance costs by city

Renters insurance rates in Illinois vary by city. Rates depend on city-specific variables, including the number of claims filed in the immediate area, meaning your ZIP code could have a major impact on how much you pay.

The most affordable renters insurance in Illinois is found in Naperville. A typical renters insurance term in Naperville totals just $146 per year — $4 less than the average Illinois rate. Reference the below table to see the cheapest cities in Illinois for renters insurance.


Average Yearly Renters Insurance Rate


How to save: bundle renters and auto insurance in Illinois

If you want to save on insurance, consider holding your car and renters policies with the same insurance company. A renters and auto insurance bundle in Illinois can save you a substantial sum each month on auto insurance. Bundling policies in Illinois leads to an average annual savings of $64.

Avg. Annual Auto Insurance Rate (No Bundle)
Avg. Yearly Auto Insurance Rate (Bundle)
Annual Bundle Savings
Bundle Savings %

A great way to save is bundling your auto and renters insurance policies. Get started today!

Compare rates from top car insurance companies.

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Renters insurance FAQs in Illinois


Is renters insurance required in Illinois?

Your state does not require you to carry renters insurance. However, it's generally recommended and can be required by your landlord.

What companies offer renters insurance in Illinois?

Several companies sell renters insurance in Illinois. Your best bet is to compare rates and policies from as many companies as possible. Consider bundling your renters and auto policies to get a discounted rate.