| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Madison Mutual | +18.9% | 8K | 2/1/26 | MAMI-134702511 → |
| Pekin | −2.1% | 25K | 9/5/25 | PKNS-134613604 → |
| Mercury | −1.0% | 13K | 12/17/25 | MERY-134760243 → |
| Progressive | +7.3% | 16K | 6/10/26 | AMSI-134665287 → |
| The Hartford | +0.0% | 13K | 12/4/25 | HART-134727192 → |
| Selective | +7.8% | 6K | 12/31/25 | SELC-134658819 → |
If your Madison Mutual renewal in Illinois came in higher, this is the source: Madison Mutual filed for a rate increase (SERFF MAMI-134702511) and it was approved at +18.9% on about 8,158 policyholders, effective February 1, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +18.9% is an average. Your Madison Mutual change ranges +60.3% to −42.8%.
A statewide rate change is one blended number, but Madison Mutual did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +60.3% and the largest decrease about −42.8%. So inside a “+18.9% average,” some Madison Mutual households in Illinois were raised far more than the headline and others were cut. Where you land depends on your ZIP, home age, roof and claims history.
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%) and Mercury (−1.0%) both filed decreases in the same period. A Madison 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 →