Why did my Selective rate go up in Illinois in 2026?

Selective filed for and received an approved +7.8% Illinois homeowners rate increase (SERFF SELC-134658819), effective December 31, 2025, on about 5,672 policyholders.

How much did Selective actually raise my Illinois rate?

The +7.8% is a statewide average. Selective’s own filing reports the change ranged from about +31.7% to about -23.2% depending on the household’s ZIP and risk profile, so many customers saw far more or far less, and some were cut.

Will Selective raise Illinois rates again?

The filing indicates Selective believed it needed +10.5% but took +7.8%. An unclosed indicated-versus-taken gap is commonly made up in a subsequent filing, so this may not be the last increase.

Are other Illinois insurers cutting rates?

Yes. Pekin filed -2.1%, Mercury filed -1.0%, and Allstate filed -0.8%. A Selective increase while competitors cut is a strong reason to compare.

Why did my Selective rate go up in Illinois?

Selective raised its Illinois homeowners rates +7.8% in 2026 — it indicated a need for +10.5% and took less — and the filing’s own range runs from +31.7% to −23.2% depending on the household. Meanwhile Pekin cut −2.1%. Here’s the filing, and who’s cutting.

BoringRate Editorial · July 2026

See who’s actually cheapest in your ZIP:

Carrier	Rate Change	Policyholders	Eff. Date	Filing #
Selective	+7.8%	6K	12/31/25	SELC-134658819 →
Pekin	−2.1%	25K	9/5/25	PKNS-134613604 →
Mercury	−1.0%	13K	12/17/25	MERY-134760243 →
Allstate	−0.8%	—	7/20/26	ALSE-134993462 →
Madison Mutual	+18.9%	8K	2/1/26	MAMI-134702511 →
Country Financial	+0.0%	—	—	CFPC-134640150 →

If your Selective renewal in Illinois came in higher, this is the source: Selective filed for a rate increase (SERFF SELC-134658819) and it was approved at +7.8% on about 5,672 policyholders, effective December 31, 2025. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.

The +7.8% is an average. Your Selective change ranges +31.7% to −23.2%.

A statewide rate change is one blended number, but Selective did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +31.7% and the largest decrease about −23.2%. So inside a “+7.8% average,” some Selective 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.

Selective asked for more than it got.

The filing shows an indicated need of +10.5% — the increase Selective’s own actuarial analysis said it required — against the +7.8% it actually took. That gap matters for what comes next: a carrier that took less than it indicated has an unclosed gap, and the remainder often arrives in a later filing rather than disappearing.

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%), Mercury (−1.0%), and Allstate (−0.8%) all filed decreases in the same period. A Selective 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 →

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