Best placesIllinoisHomeowners Insurance

Counties With the Cheapest Homeowners Insurance in Illinois (2026)

Perry has the lowest homeowners insurance of any county in Illinois, at $1,372, followed by Jersey and Woodford (data vintage 2022). The full ranking of the top 25 counties is below.

Data updated 2022 - Source: NAIC Homeowners Insurance Report

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Cheapest counties for homeowners insurance in Illinois

Top 25 of 102 counties with data.

Ranked by homeowners insurance cost (NAIC Homeowners Insurance Report, 2022), lowest first.

Cheapest counties for homeowners insurance in Illinois
RankCountyValue
1Perry$1,372
2Jersey$1,372
3Woodford$1,372
4Marshall$1,372
5Shelby$1,372
6Livingston$1,372
7Cook$1,372
8Hamilton$1,372
9Douglas$1,372
10Lawrence$1,372
11Putnam$1,372
12White$1,372
13Stark$1,372
14Franklin$1,372
15Mercer$1,372
16Morgan$1,372
17Johnson$1,372
18Fayette$1,372
19Grundy$1,372
20Richland$1,372
21Tazewell$1,372
22Bond$1,372
23Rock Island$1,372
24Macoupin$1,372
25Kankakee$1,372

How this ranking works

This page ranks Illinois counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

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