# State Farm Raises Illinois Home Insurance Rates 8%

> State Farm hikes Illinois home insurance rates 8% for 2026, adding $10 monthly to average bills.
- Title: State Farm Raises Illinois Home Insurance Rates 8% · Kiplinger
- Summary: State Farm hikes Illinois home insurance rates 8% for 2026, adding $10 monthly to average bills. State Farm increased Illinois homeowners insurance rates 8%…
- Keywords: state farm, illinois, homeowners insurance, premiums, rate hike, 2026, 8 percent, State, Farm, Raises, Home, Insurance
- Source: Kiplinger — https://kiplinger.com/personal-finance/home-insurance/state-farm-is-raising-homeowners-insurance-rates-again
- Published: 2026-10-14T15:15:54+00:00
- Read time: 1 min
- Topics: state farm, illinois, homeowners insurance, premiums, rate hike, 2026, 8 percent
## State Farm Raises Illinois Home Insurance Rates
State Farm increased Illinois homeowners insurance rates 8% in 2026 for the second year in a row.
## 8% Rate Increase Adds $10 Monthly
The 8% increase adds about $10 per month to the average Illinois homeowner's insurance bill.
## Rate Hike Takes Effect in December
Existing policyholders will see increases when their policies renew starting in December 2026.
## Extreme Weather Drives Rate Hike
State Farm says losses from extreme weather caused the rate increase.
## More Storms Mean Higher Claims
As storms become more frequent, insurers pay out more in claims to repair or replace insured property.
## Illinois Law Changes Rate Oversight
Illinois Governor JB Pritzker signed House Bill 4273 to strengthen oversight of homeowners insurance rates.
## How to Lower Premiums
Shop around for insurance, review coverage, consider a higher deductible, and ask about discounts to lower premiums.
## Key takeaway

State Farm increased Illinois homeowners insurance rates 8% in 2026, adding about $10 monthly to average bills.