Renters Insurance in Illinois

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

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Find cheap renters insurance in Illinois


Renters insurance is a great — and cheap! — way to ensure your personal belongings are insured against common incidents. A renters policy covers belongings against fire, smoke damage, wind, theft, vandalism, and an array of other calamities.

Unlike auto insurance, renters insurance isn't priced specifically by state. That said, there are relatively large variations in insurance pricing from state to state. Insurance policy prices in states diverge depending on the frequency and value of renters insurance claims submitted in that particular state, and depend on the value of the belongings covered by the policy.

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

The best way to acquire affordable renters insurance in Illinois is to view prices from as many companies as possible. Learn more about typical renters insurance rates in Illinois via the below data. Your rates may vary, depending on your coverage limits and the valuation of your belongings.


Illinois renters insurance:

  1. Rates by company
  2. Rates by city
  3. Bundling
  4. Frequently asked questions

Renters insurance prices in Illinois by carrier

Prices for renters insurance in Illinois vary depending on which insurance company you select. AAA offers the cheapest renters insurance in Illinois, at just $83 yearly. This beats the state average cost of $156, offering a 47% discount on the state's average rate.

Get a head start on looking for a renters policy by viewing average rates from top Illinois renters insurance carriers, detailed below.


THE MOST AFFORDABLE RENTERS INSURANCE COMPANIES IN ILLINOIS
CarrierAverage Yearly Rate in Illinois
AAA$83.11
Country$110.96
State Farm$126.60
Safeco$138.01
MetLife$143.19

Illinois renters insurance costs by city

Renters insurance rates in Illinois differ by city. Pricing depends on locally specific variables such as the number of local claims filed, meaning your ZIP code could have a major impact on how much you pay.

The cheapest renters insurance in Illinois is available in Naperville. An average renters insurance policy in Naperville costs just $146 per year — $4 less than the state average. The below cities have the most affordable renters insurance in Illinois.


AFFORDABLE RENTERS INSURANCE CITIES IN ILLINOIS
CityAverage 12-Month Renters Insurance Rate
Naperville$146
Elgin$147
Aurora$147
Champaign$150
Bloomington$150

Illinois insurance bundling discounts: renters + auto

If you want to save on insurance, consider carrying your renters and auto policies with the same insurance company. A renters and car insurance bundle in Illinois can lead to substantial savings on car insurance. In fact, bundling policies in Illinois leads to an a yearly discount of $64.


RENTERS AND AUTO INSURANCE BUNDLING DISCOUNTS IN ILLINOIS
Avg. Annual Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,222.03$1,158.04$64.006%


One of the best ways to save on auto insurance is to bundle your policies. Start shopping today!


Are you looking for renters insurance information for a particular city? Check out our breakdown of the most populous metropolitan areas in Illinois.

  1. Chicago

Illinois renters insurance FAQs


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?

There are several companies that offer renters insurance in Illionis. Your best bet is shopping around with as many as possible. Consider bundling your renters and auto (if applicable) to get a discounted rate.