| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| USAA | +12.3% | 79K | 1/18/26 | USAA-134732676 → |
| Pekin | −2.1% | 25K | 9/5/25 | PKNS-134613604 → |
| Erie | +7.1% | 107K | 8/1/26 | ERPP-134891551 → |
| Farmers | +4.0% | 97K | 8/11/25 | FARM-134602571 → |
| Auto-Owners | +0.0% | 91K | 3/7/26 | AOIC-134720541 → |
| American Family | +0.0% | 62K | 10/1/26 | AMFC-135002345 → |
If your USAA renewal in Illinois came in higher, this is the source: USAA filed for a rate increase (SERFF USAA-134732676) and it was approved at +12.3% on about 78,793 policyholders, effective January 18, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +12.3% is an average. Your USAA change ranges +14.1% to +0.8%.
A statewide rate change is one blended number, but USAA did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +14.1% and the smallest about +0.8%. So inside a “+12.3% average,” some USAA households in Illinois were raised several times more than the headline while others barely moved. 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%) filed decreases in the same period. An USAA 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 →