Whether you own a home, a car, or a business, many insurance companies can help you meet your coverage needs. But it's super helpful to know the carriers with the highest quality coverage for the most affordable rates. 

Fortunately an Illinois independent insurance agent can help you find all the best insurance companies in your state, whatever your coverage needs. They can shop and compare quotes from many different carriers for you. Until then, here's a rundown of some of what we consider to be the best insurance companies in Illinois.

Best Homeowners Insurance Companies in Illinois

You need to feel like your home is properly protected against storm damage, vandalism, and many other threats, which is why you turn to Illinois homeowners insurance. Luckily there are plenty of top-notch homeowners insurance companies in Illinois to choose from. Here are some of our top picks. 

Best Car Insurance Companies in Illinois

Your vehicle is vulnerable to threats, not only while on the road, but also while parked on the street or even in a garage. To adequately protect your ride, check out some of our top choices for Illinois car insurance.

Best Business Insurance Companies in Illinois

Businesses have their own host of risks that need to be anticipated ahead of time. From injured customers to lost inventory, it's critical to have the right Illinois business insurance. Here are our top choices for the best business insurance carriers in Illinois. 

Best Illinois Insurance Company for All Your Needs

The results are clear: There's one Illinois insurance company that's the best fit for meeting all your home, business, and auto needs, and it's Central Insurance Companies. 

Central Insurance Companies' homeowners insurance offers the following special coverages:

• Equipment breakdown coverage: Covers costs of repair or replacement of major appliances in your home after a breakdown due to a covered cause. 
• Tree removal and replacement: Covers the costs of removing or replacing trees that have fallen on your property due to a covered cause. 
• Utility line protection: Covers the costs of repair or replacement to underground utility lines that break or malfunction due to a covered cause, including sewer, natural gas, and electrical power lines.
• Identity fraud protection: Covers the costs of proactive identity management services, identity theft resolution services, and identity theft expense reimbursement.
• Loss prevention device: Covers the cost of installing devices to protect against similar losses in the future after a claim. 

Central Insurance Companies' business insurance policies offer all the coverage basics, plus the following optional add-ons:

• Inland marine insurance: Covers your business's property while it's being transported over land, such as between job sites, as well as buildings under construction.
• Crime insurance: Covers your business against threats of burglary, robbery, and employee theft. 
• Professional liability insurance: Covers your business against professional errors that result in harm to the public, such as faulty estimates. 
• Employment practices liability insurance: Covers your business against employee claims of sexual harassment, wrongful termination, discrimination, etc.
• Pollution liability insurance: Covers your business against costs associated with unintentional pollution.

Finally, Central Insurance Companies provides these essential car insurance coverages for your vehicle:

• Towing and transportation expenses
• Worldwide rental car coverage
• Lease and loan gap coverage
• Original equipment parts
• Short–term replacement cost loss settlement

An independent insurance agent can help you determine if the business insurance, auto insurance, or homeowners insurance provided by Central Insurance Companies are a good match for your specific needs.

Average Cost of Insurance in Illinois

The cost of your insurance policy in Illinois will vary depending on a number of factors, including the value and age of what you're insuring, whether that's your home, car, or business. Here are some average figures for insurance in Illinois. 

• Average cost of homeowners insurance in Illinois: $1,405 annually
• Average cost of small business insurance in Illinois: $47 monthly
• Average cost of car insurance in Illinois: $81 monthly

An independent insurance agent can help you find exact Illinois home, auto, and business insurance quotes in your town, as well as scout out any discounts you qualify for. They'll help get you equipped with quality coverage at the most affordable rate. 

Here’s How an Illinois Independent Insurance Agent Can Help

Independent insurance agents are fully equipped to protect homeowners, car owners, and business owners against commonly faced disasters. Illinois independent insurance agents shop multiple carriers to find providers who specialize in home, auto, and business insurance. 

They can deliver quotes from a number of different sources and help you walk through them all to find the best blend of coverage and cost.