The average renters insurance in Illinois is $246 per year — that's 15% below the U.S. average of $288, the 30th least expensive of 51 states.
| Illinois average | $246 per year |
|---|---|
| U.S. average | $288 per year |
| Difference | −15% (−$42/yr) |
| Rank (most expensive) | 30th of 51 |
Illinois sits in the Midwest and ranks 30th of 51 for renters insurance cost. Premiums stay lower thanks to lower catastrophe risk and fewer costly claims. Either way, the same coverage is quoted very differently between carriers, so what you personally pay comes down to who you buy from.
Your state's full breakdown plus the discounts most people miss. Free, no obligation.
The levers that move your rate the most: bundling renters with your car insurance; raising your deductible; asking about security/safety discounts (alarms, deadbolts, smoke detectors); comparing a few carriers — renters policies are cheap but still vary. The biggest one is simply re-shopping at renewal — insurers raise rates on existing customers faster than they quote new ones, so loyalty quietly costs you.
Compare Illinois Renters Insurance Rates — Free, 2 Minutes →The average renters insurance in Illinois is about $246 per year as of 2026 — 15% below the national average of $288 per year. Your own rate depends on your specifics, so comparing quotes is the only way to know yours.
Illinois ranks 30th out of 51 for renters insurance cost. Rates run lower thanks to lower catastrophe risk and claim frequency.
The fastest levers: bundling renters with your car insurance, raising your deductible, asking about security/safety discounts (alarms, deadbolts, smoke detectors). Re-shopping at renewal is the single biggest one — it's free and doesn't change your current policy.