Best Renters Insurance in Illinois: Carrier Rates, State-Specific Factors, and Coverage Guide

Updated May 21, 2026 — PolicyChat refreshes this page when new state DOI filings post.

Illinois renters insurance averages $13/mo per NAIC 2023 published data. Current carrier-filed rates typically run 10-25% above this baseline.

Get your specific Illinois renters quote in 60 seconds →

Best Illinois renters insurance by driver profile

Cheapest renters insurance: Lemonade typically files lowest ($12-18/mo for $30K personal property).

Best bundled with auto: State Farm and Allstate offer 5-15% multi-policy discounts.

What drives Illinois renters insurance rates

Renters insurance is the cheapest line of personal insurance. The factors that vary most are the building (high-rise, sprinklered, low-crime ZIP) and any scheduled valuables.

Frequently asked: Illinois renters insurance

How much does renters insurance cost in Illinois?

The 2023 NAIC published average is $167/year (about $13/mo). Current carrier-filed rates typically run 10-25% above this baseline.

How can I lower my Illinois renters bill?

Compare quotes across carriers. Rate differences for the same profile commonly run 30-50%. Start Sage

Methodology: /methodology/rate-authority/

Get your specific Illinois renters quote in 60 seconds with Sage →