See who’s actually cheapest in your ZIP:
| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Liberty Mutual | +3.3% | 26K | 2/9/26 | LBPM-134772838 → |
| Pekin | −2.1% | 25K | 9/5/25 | PKNS-134613604 → |
| Nationwide | +0.0% | 27K | 10/5/25 | NWPP-134573055 → |
| Cincinnati Insurance | +16.7% | 24K | 12/1/25 | CNNB-134582223 → |
| Progressive | +7.3% | 16K | 6/10/26 | AMSI-134665287 → |
| The Hartford | +0.0% | 13K | 12/4/25 | HART-134727192 → |
If your Liberty Mutual renewal in Illinois came in higher, this is the source: Liberty Mutual filed for a rate increase (SERFF LBPM-134772838) and it was approved at +3.3% on about 25,934 policyholders, effective February 9, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
Other Illinois insurers are cutting.
An increase is only worth acting on relative to the alternatives, and in Illinois the direction is not uniform: Pekin (−2.1%) filed decreases in the same period. A Liberty Mutual increase alongside competitor cuts is the clearest signal there is that the market has moved and your renewal has not.
See every approved Illinois homeowners rate filing →
Ready to stop overpaying? Compare every carrier for your ZIP: