Which county in Illinois has the lowest homeowners insurance?

Fulton has the lowest homeowners insurance in Illinois, at $1,743.

What is the homeowners insurance in Fulton?

Fulton is ranked #1 in Illinois for homeowners insurance, at $1,743.

How is this homeowners insurance ranking calculated?

Counties in Illinois are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Counties With the Cheapest Homeowners Insurance in Illinois (2026)

Full county table and CSV download: Home insurance by county in Illinois

Cheapest counties for homeowners insurance in Illinois

Top 25 of 102 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Illinois

Rank	County	Value
01	Fulton$1,743 County page
02	Knox$1,798 County page
03	Adams$1,825 County page
04	Lawrence$1,826 County page
05	Vermilion$1,832 County page
06	Coles$1,909 County page
07	Rock Island$1,911 County page
08	Warren$1,956 County page
09	Livingston$1,965 County page
10	Whiteside$1,965 County page
11	Tazewell$1,987 County page
12	Winnebago$1,993 County page
13	Mason$1,996 County page
14	Logan$2,002 County page
15	Clark$2,016 County page
16	De Witt$2,018 County page
17	Macon$2,029 County page
18	McDonough$2,042 County page
19	Iroquois$2,050 County page
20	Jo Daviess$2,086 County page
21	Richland$2,091 County page
22	Champaign$2,097 County page
23	Christian$2,102 County page
24	Crawford$2,104 County page
25	DeKalb$2,107 County page

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.

Frequently asked questions

Which county in Illinois has the lowest homeowners insurance?: Fulton has the lowest homeowners insurance in Illinois, at $1,743.
What is the homeowners insurance in Fulton?: Fulton is ranked #1 in Illinois for homeowners insurance, at $1,743.
How is this homeowners insurance ranking calculated?: Counties in Illinois are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.