10 carriers raised and 3 carriers cut Illinois homeowners rates in 2026. Homeowners rate hikes hit at renewal — the fastest way to stop overpaying is to compare carriers for your ZIP.
The filed average is not your rate. A single statewide filing can move different ZIPs by wildly different amounts. Here, the biggest single-territory increase we found was +176.5% (Erie, on a +7.1% filed average). American Family’s filing was +0% overall yet ranged from +8.9% to -17.1% depending on the ZIP. The “By ZIP” column shows each filing’s range — check your ZIP to see where you land.
Carriers that raised Illinois home rates in 2026
| Carrier | Filed avg | By ZIP | Effective | Source |
|---|---|---|---|---|
| Farmers Farmers (FSPH/LHO/SPRC/NGHO, filing-level) | +4.0% | +5% to ±0% | Aug 11, 2025 | SERFF #FARM-134602571 ↗ |
| Grange Grange Homeowners Program | +2.8% wanted +13.7% | +5.5% to ±0% | Oct 23, 2025 | SERFF #GRAN-134665006 ↗ |
| Central Central Insurance (HO Rate Change) | +30.8% wanted +32.9% | +128.3% to ±0% ▲ wide | Nov 1, 2025 | SERFF #CEMC-134637698 ↗ |
| Cincinnati Insurance Cincinnati Casualty (CCC) | +16.7% | +76.7% to −0.2% ▲ wide | Dec 1, 2025 | SERFF #CNNB-134582223 ↗ |
| Selective Selective Ins. Co. of South Carolina | +7.8% wanted +10.5% | +31.7% to −23.2% ▲ wide | Dec 31, 2025 | SERFF #SELC-134658819 ↗ |
| USAA USAA group (filing-level) | +12.3% | +14.1% to +0.8% | Jan 18, 2026 | SERFF #USAA-134732676 ↗ |
| Madison Mutual Madison Mutual Insurance Company | +18.9% | +60.3% to −42.8% ▲ wide | Feb 1, 2026 | SERFF #MAMI-134702511 ↗ |
| Liberty Mutual Liberty Mutual entities (filing-level) | +3.3% | +3.8% to +2.8% | Feb 9, 2026 | SERFF #LBPM-134772838 ↗ |
| Progressive American Strategic Ins. (Progressive/ASI) | +7.3% | +39% to −18% ▲ wide | Jun 10, 2026 | SERFF #AMSI-134665287 ↗ |
| Erie Erie Insurance Company (8/1/26 Rate Review) | +7.1% | +176.5% to −11.1% ▲ wide | Aug 1, 2026 | SERFF #ERPP-134891551 ↗ |
Carriers that cut Illinois home rates in 2026
| Carrier | Filed avg | By ZIP | Effective | Source |
|---|---|---|---|---|
| Pekin Pekin Insurance | −2.1% | +3.6% to −13.1% ▲ wide | Sep 5, 2025 | SERFF #PKNS-134613604 ↗ |
| Mercury Mercury Ins. Co. of Illinois (RL23) | −1.0% | +9.9% to −11.8% ▲ wide | Dec 17, 2025 | SERFF #MERY-134760243 ↗ |
| Allstate Allstate North American Ins. Co. | −0.8% | — | Jul 20, 2026 | SERFF #ALSE-134993462 ↗ |
Are you actually getting the new rate?
Approved changes are statewide averages, and they reach your policy at renewal. A cut often reaches new buyers first; a hike lands on your next renewal notice. Re-shopping is the only way to know you’re on the best current price for your home.
Figures are filed/approved statewide-average changes from each state’s Department of Insurance (CA via CDI, TX via data.texas.gov, others via SERFF). Individual rates vary by home, roof age, and risk. Each filing links to its source. Not a quote.