$2,245
Illinois county average (2024)
85 of 102
Counties with data
$3,063
Highest: Cook
$1,743
Lowest: Fulton
Illinois counties by home insurance cost
All 85 natively covered Illinois counties, most expensive first (Escrow 2024). Click a column header to re-sort. “% of home value” is the annual premium divided by the county median home value.
| 1 | Cook | $3,063 | +37% | 0.89% |
| 2 | Lake | $2,946 | +32% | 0.73% |
| 3 | Clay | $2,755 | +23% | 2.49% |
| 4 | Williamson | $2,667 | +19% | 1.65% |
| 5 | Monroe | $2,659 | +19% | 0.80% |
| 6 | Will | $2,601 | +16% | 0.69% |
| 7 | Jackson | $2,589 | +16% | 1.88% |
| 8 | Washington | $2,586 | +16% | 1.54% |
| 9 | Kendall | $2,561 | +15% | 0.64% |
| 10 | St. Clair | $2,542 | +14% | 1.40% |
| 11 | Franklin | $2,508 | +12% | 2.30% |
| 12 | Bond | $2,502 | +12% | 1.47% |
| 13 | Grundy | $2,481 | +11% | 0.77% |
| 14 | Putnam | $2,463 | +10% | 1.31% |
| 15 | Ogle | $2,439 | +9% | 1.06% |
| 16 | Union | $2,426 | +9% | 1.63% |
| 17 | Menard | $2,424 | +9% | 1.16% |
| 18 | McHenry | $2,419 | +8% | 0.65% |
| 19 | Massac | $2,417 | +8% | 2.14% |
| 20 | Kane | $2,414 | +8% | 0.62% |
| 21 | DuPage | $2,404 | +8% | 0.54% |
| 22 | Jefferson | $2,389 | +7% | 1.70% |
| 23 | Boone | $2,377 | +6% | 0.82% |
| 24 | Perry | $2,361 | +6% | 2.12% |
| 25 | Cass | $2,357 | +6% | 2.37% |
| 26 | Fayette | $2,355 | +5% | 1.59% |
| 27 | Greene | $2,351 | +5% | 2.25% |
| 28 | Saline | $2,343 | +5% | 2.67% |
| 29 | Johnson | $2,335 | +5% | 1.21% |
| 30 | McLean | $2,307 | +3% | 0.88% |
| 31 | Morgan | $2,306 | +3% | 1.67% |
| 32 | Clinton | $2,306 | +3% | 1.03% |
| 33 | Marion | $2,296 | +3% | 1.88% |
| 34 | Shelby | $2,289 | +2% | 1.34% |
| 35 | Macoupin | $2,278 | +2% | 1.63% |
| 36 | Effingham | $2,277 | +2% | 1.02% |
| 37 | Randolph | $2,272 | +2% | 1.46% |
| 38 | White | $2,267 | +1% | 1.99% |
| 39 | Madison | $2,247 | +1% | 1.11% |
| 40 | Douglas | $2,242 | 0% | 1.38% |
| 41 | Montgomery | $2,240 | 0% | 1.74% |
| 42 | Marshall | $2,237 | 0% | 1.56% |
| 43 | Woodford | $2,234 | 0% | 0.94% |
| 44 | Piatt | $2,223 | 0% | 0.97% |
| 45 | Bureau | $2,222 | -1% | 1.47% |
| 46 | LaSalle | $2,202 | -1% | 1.13% |
| 47 | Stephenson | $2,200 | -2% | 1.36% |
| 48 | Jersey | $2,190 | -2% | 1.07% |
| 49 | Cumberland | $2,188 | -2% | 1.31% |
| 50 | Lee | $2,186 | -2% | 1.15% |
| 51 | Kankakee | $2,185 | -2% | 0.97% |
| 52 | Henry | $2,170 | -3% | 1.25% |
| 53 | Sangamon | $2,159 | -3% | 1.08% |
| 54 | Moultrie | $2,145 | -4% | 1.14% |
| 55 | Carroll | $2,143 | -4% | 1.29% |
| 56 | Hancock | $2,140 | -4% | 1.87% |
| 57 | Ford | $2,122 | -5% | 1.33% |
| 58 | Edgar | $2,120 | -5% | 1.98% |
| 59 | Peoria | $2,116 | -5% | 1.26% |
| 60 | Mercer | $2,114 | -5% | 1.22% |
| 61 | DeKalb | $2,107 | -6% | 0.70% |
| 62 | Crawford | $2,104 | -6% | 1.63% |
| 63 | Christian | $2,102 | -6% | 1.53% |
| 64 | Champaign | $2,097 | -6% | 0.86% |
| 65 | Richland | $2,091 | -6% | 1.49% |
| 66 | Jo Daviess | $2,086 | -7% | 0.82% |
| 67 | Iroquois | $2,050 | -8% | 1.35% |
| 68 | McDonough | $2,042 | -9% | 2.06% |
| 69 | Macon | $2,029 | -9% | 1.59% |
| 70 | De Witt | $2,018 | -10% | 1.25% |
| 71 | Clark | $2,016 | -10% | 1.34% |
| 72 | Logan | $2,002 | -10% | 1.38% |
| 73 | Mason | $1,996 | -11% | 2.05% |
| 74 | Winnebago | $1,993 | -11% | 0.94% |
| 75 | Tazewell | $1,987 | -11% | 1.02% |
| 76 | Livingston | $1,965 | -12% | 1.14% |
| 77 | Whiteside | $1,965 | -12% | 1.34% |
| 78 | Warren | $1,956 | -12% | 1.70% |
| 79 | Rock Island | $1,911 | -14% | 1.19% |
| 80 | Coles | $1,909 | -15% | 1.35% |
| 81 | Vermilion | $1,832 | -18% | 1.86% |
| 82 | Lawrence | $1,826 | -18% | 1.83% |
| 83 | Adams | $1,825 | -18% | 0.98% |
| 84 | Knox | $1,798 | -20% | 1.46% |
| 85 | Fulton | $1,743 | -22% | 1.65% |
Free to reuse with attribution (CC BY 4.0).
Methodology
Each county figure is the median annual homeowners insurance payment for owner-occupied homes with a mortgage escrow account, from data compiled by Benjamin Keys and Philip Mulder in NBER Working Paper 32579 (premiums through 2024). The Illinois average is a simple mean of the covered counties.
Escrow data reflects mortgaged, owner-occupied homes, so a few counties can be absent, and we publish only counties with a natively measured value. For the full methodology and the national picture, see the national home insurance by county report.
Cite or reuse this data
This dataset is offered under a Creative Commons Attribution 4.0 license (CC BY 4.0). Journalists and researchers are free to reuse the tables and the CSV in stories, charts, and reports, including commercially, as long as HearthMap is credited with a link. See the license page and the press kit.
Suggested citation
HearthMap, "Homeowners Insurance Costs by County in Illinois (2024)," https://hearthmap.app/home-insurance-by-county/illinois. Based on Keys and Mulder, NBER Working Paper 32579.
Home insurance in Illinois: frequently asked questions
- What is the average cost of homeowners insurance in Illinois?
- The average homeowners insurance premium in Illinois was $2,245 per year in 2024, a simple mean across the 85 counties with mortgage-escrow data (Keys-Mulder, NBER Working Paper 32579).
- Which Illinois county has the cheapest home insurance?
- Fulton had the lowest average homeowners insurance premium in Illinois at $1,743 per year in 2024.
- Which Illinois county has the most expensive home insurance?
- Cook had the highest average homeowners insurance premium in Illinois at $3,063 per year in 2024.
- How many Illinois counties are in this dataset?
- 85 of 102 Illinois counties have a natively measured premium from mortgage-escrow data. Counties without enough escrowed mortgages are not shown.
Related
- Cheapest counties for home insurance in Illinois
- Home insurance by county, nationwide
- Interactive map of homeowners insurance cost
- Illinois cost of living, schools & demographics
Home insurance by county in other states:
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