Illinois
Annual home insurance cost: $987 (9% below the national average)
Illinois is defined by its major city, Chicago. The Port of Chicago serves as the principal connector between the Great Lakes, the St. Lawrence Seaway, and the Mississippi River.
Chicago is a major transportation hub for the nation and the principal driver behind the Illinois economy, which is the fifth largest in the nation.
More than 65% of the state’s population lives in the Chicago metropolitan area.
Because of this, the city’s high crime rate—the city was responsible for almost half of the nation’s murders in 2016—has cast a dark pall on the entire state.
