1001 S State St, Chicago, IL 60605
Downtown Chicago
Monthly Cost Breakdown at 1001 South State Apartments
The listed rent isn't the whole number. Here's what 1001 South State Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at 1001 South State Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 1001 South State Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 3028/100K (92% above national average)
What You'll Likely Pay
$14
Est. Monthly
$173
Est. Annual
$15
State Avg/mo
How Much Coverage Makes Sense
Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (think furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you accidentally damage someone else's property. Here's what we'd recommend for 1001 South State Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near 1001 South State Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $113/yr |
| USAA | $11/mo | $127/yr |
| State Farm | $14/mo | $170/yr |
| Progressive | $15/mo | $184/yr |
| Safeco | $15/mo | $184/yr |
| Travelers | $17/mo | $198/yr |
| Allstate | $18/mo | $212/yr |
| Nationwide | $18/mo | $212/yr |
| Farmers | $19/mo | $226/yr |
| Liberty Mutual | $21/mo | $255/yr |
Discounts You May Qualify For
Next Step
See if you can beat $14/mo
4 discounts may apply here. Real quotes show your actual price — estimates can't.
Property Crime & Theft Risk
Renters insurance pricing is driven by property crime — theft, burglary, and vehicle break-ins — not violent crime. Here's what the FBI's Uniform Crime Reporting data shows for Chicago.
Chicago property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. 1001 South State Apartments also has on-site security features (Package lockers, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Chicago (2024-12 to 2025-11)
What Residents Are Saying
Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.
On-Site Security
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 1001 South State Apartments.
FEMA Zone X (Area Of Minimal Flood Hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.
Fees Beyond Rent
These are the additional charges beyond base rent at 1001 South State Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility Billing Bundle
Amount for multiple utility services provided in rental homeCharged per unit type.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumptionof electric paid to a third party. Charged per unit. Payable to 3rd Party
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resident's provider of choice. Charged per leaseholder. Payable to 3rd Party
Administrative Fee
Amount to facilitate move-in process for a resident. Chargedper unit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Pets Fees
Pet Fee
| Restrictions: Akita, Giant Schnauzer, Alaskan Malamute, American Stafford-shire Terrier, Husky, Bull-mastiff, Pit Bull, Chow, Presa Canario, Rottweiler, Doberman Pinscher, Saint Bernard and German Shepherd. Any mix of the breeds listed are also...
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Parking Fees
Parking Fee
Max of 1. Amount for garage parking space/services. May be subject to availability. Charged per rentable item. Payable to 3rd Party
Parking - Reserved
Max of 1. Amount for reserved parking space/services. May besubject to availability. Charged per vehicle. Payable to 3rd Party
Addons Fees
Guest Suite Rental
Amount to rent guest suite; per night. May be subject to availability. Charged per night.
Common Area/Clubhouse Rental
Amount to rent a shared common area space, including clubhouse. May be subject to availability. Charged per unit.
Cable TV Services
Amount for cable services in rental home. Charged per unit. Payable to 3rd Party
Internet Services
Amount for internet services provided by community. Charged per unit. Payable to 3rd Party
Situational Fees
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within community. Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability PolicyCharged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name.Charged per unit.
Lease Buy Out
Amount agreed upon by resident to terminate lease early and satisfy lease terms; additional conditions apply. Charged per unit.
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transferred to resident responsibility any time during occupancy. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Lease Violation
Amount for violation of community policies and/or per lease terms. Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what 1001 South State Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
Fees may vary by pet type or count — confirm with the leasing office.
About 1001 South State Apartments
From the property listing:
Where curiosity lives. 1001 South State offers studio, 1, 2, and 3-bedroom apartments with views of the Chicago skyline, Lake Michigan, and the South and West Loop neighborhoods. With innovative amenities including a Makerspace, living biowall and custom-branded bike share, 1001 is truly home to new ideas.
Other Options Nearby
Still weighing your choices? These communities are in the same part of Chicago — compare rent and estimated insurance cost side by side.
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1100 North Lasalle Apartments
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111 Point Apartments
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1400 Wabash Apartments
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1401 S. State Apartments
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Frequently Asked Questions
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Disclaimer
The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.
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