Insurance in Illinois: Best Companies, Illinois Fraternal Insurers, and Illinois SERFF
Your guide to Illinois insurance—top companies, Illinois fraternal insurers, and the official IDOI link. Compare quotes and choose with confidence.
Summary
Illinois is home to some of America’s largest insurers—and a vibrant network of fraternal benefit societies that serve local communities. This guide brings together top Illinois insurance companies (with websites), the official regulator link, and an overview of Illinois-based fraternal insurers, plus shopping tips tailored for Illinois consumers and small businesses.
Department of Insurance - Illinois
Illinois Department of Insurance (IDOI) – verify licenses, file complaints, and get consumer help.
👉 Learn more about Illinois DOI - Click here
👉 Illinois SERFF- Click here
👉 Learn more about Illinois Government - Click here
Top Insurance Companies Serving Illinois
These carriers have deep Illinois roots or large statewide presence. Use them as a starting shortlist and compare quotes.
State Farm – Illinois-born giant with a massive agent network (HQ: Bloomington). State Farm
Allstate – Northbrook-based national carrier with digital + agent support. Allstate
COUNTRY Financial – Bloomington-based; strong auto, home, farm & small business appetite. COUNTRY Financial
CNA – Chicago-based commercial insurer (property, casualty, specialty). cna.com
Kemper – Chicago-area footprint; auto and life for value seekers. kemper.com
Zurich North America – Schaumburg HQ; broad commercial programs. zurichna.com
Old Republic International – Chicago-based specialty & title insurance group. oldrepublic.com
Horace Mann – Springfield-based; focused on educators. horacemann.com
RLI – Peoria-based specialty P&C (surplus & niche lines).
Blue Cross and Blue Shield of Illinois (BCBSIL) — a customer-owned health insurer offering individual, family, Medicare, Medicaid, and employer plans statewide. bcbsil.com
Tip: Start with 4–6 quotes—mix agent-based (e.g., State Farm, COUNTRY) and direct/digital where relevant—to catch the best pricing for your ZIP code.
Fraternal Insurance Companies in Illinois (what they are & who to know)
Fraternal benefit societies are member-owned, community-focused organizations that provide life insurance/annuities plus member benefits and volunteer programs. Illinois hosts several prominent fraternals:
Royal Neighbors of America (Rock Island) – life & annuities; one of the nation’s most prominent fraternals led by women.royalneighbors.org
Catholic Order of Foresters (Naperville) – Catholic fraternal society offering life insurance and community programs. Catholic Order of Foresters
KSKJ Life (Joliet) – American Slovenian Catholic Union; life & annuities with Illinois home office. KSKJ Life
Western Catholic Union (Quincy) – fraternal life insurer serving members across Illinois and beyond. WCU Life
Why consider a fraternal?
Member-centric values and local chapters.
Competitive permanent/term life options and annuities.
Community service and scholarships in Illinois communities.
Frequently Asked Questions (FAQs)
Q1: What’s the official insurance regulator in Illinois?
A: The Illinois Department of Insurance (IDOI)—use it to verify licenses, file complaints, and read consumer guides. idoi.illinois.gov
Q2: Which companies are strongest in Illinois?
A: Illinois hosts major carriers such as State Farm, Allstate, COUNTRY Financial, CNA, Kemper, Zurich NA, Old Republic, Horace Mann, and RLI—all with significant state presence or headquarters. Compare multiple quotes to match your profile.
Q3: What is a fraternal benefit society?
A: A member-owned organization that sells life insurance/annuities and supports communities (volunteering, scholarships). Illinois examples: Royal Neighbors, Catholic Order of Foresters, KSKJ Life, Western Catholic Union.
Q4: Are fraternals “cheaper”?
A: Sometimes for certain ages or products, but not always. Compare rates and look at member benefits and financial strength as part of the decision.
Sources & official sites
Dont Forget these
Regulator: Illinois Department of Insurance (IDOI). idoi.illinois.gov
Illinois insurers: State Farm, Allstate, COUNTRY Financial, CNA, Kemper, Zurich NA, Old Republic, Horace Mann, RLI.
Fraternals (IL): Royal Neighbors of America (Rock Island), Catholic Order of Foresters (Naperville), KSKJ Life (Joliet), Western Catholic Union (Quincy).
