Illinois delivers solid value at $1,189 yearly for full coverage - 18% below national averages and ranking an impressive 13th for affordability. Minimum coverage costs $602, also running 13% under typical rates at 24th place nationally.
Average Cost of Car Insurance in Illinois
Updated: October 17, 2025
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Key Takeaways
Car insurance costs range from $1,207 to $6,600 per year on average in Illinois depending on your chosen coverage, driving profile and location.
With rankings of 24th for minimum coverage and 13th for full coverage, Illinois offers some of the most budget-friendly car insurance rates in the nation.
To secure the cheapest car insurance in Illinois, start by deciding your coverage requirements, then research various companies before comparing quotes extensively.
Average Car Insurance Cost In Illinois
| Full Coverage | $99 | $1,189 |
| Minimum Coverage | $50 | $602 |
The Prairie State's competitive insurance market and agricultural economy help moderate costs outside Chicago. The difference between coverage levels amounts to $587 annually, or about $49 monthly, for drivers with strong credit and spotless records.
Average Illinois Car Insurance Cost by Category
Credit dominates Illinois rate structures, pushing impaired-credit drivers to $298 monthly while adults pay just $99 monthly for full coverage - exactly triple the cost. Young drivers split the difference at $249 monthly.
Vehicle age provides modest savings with older cars at $91 monthly, nearly matching adult rates. Illinois demonstrates typical Midwest patterns where credit creates the largest premium variations across driver profiles.
| Drivers With Old Cars | $47 | $91 |
| Adult Drivers | $50 | $99 |
| Drivers With A Speeding Ticket | $63 | $126 |
| Drivers With Newer Cars | $63 | $124 |
| Senior Drivers | $69 | $130 |
| Drivers With An Accident | $75 | $149 |
| Drivers With Low Income | $78 | $166 |
| Drivers With A DUI | $94 | $181 |
| Young Drivers | $127 | $249 |
| Drivers With Bad Credit | $135 | $298 |
Illinois's agricultural economy helps moderate base rates, but credit factors emerge as the primary driver of premium differences in the Land of Lincoln.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile.
Average Illinois Car Insurance Cost by Company
GEICO's $69 monthly rate versus Erie Insurance's $104 monthly creates a solid $424 annual savings opportunity for Illinois drivers. The Prairie State's competitive environment rewards shoppers without creating extreme price variations.
Illinois maintains balanced competition between national and regional carriers, providing meaningful choice without the dramatic swings seen in some expensive coastal markets.
| Geico | $30 | $69 |
| Auto Owners | $32 | $75 |
| Travelers | $47 | $86 |
| Erie Insurance | $35 | $104 |
| Country Financial | $51 | $103 |
Average Illinois Car Insurance Cost by City
Bloomington's college-town rates at $85 monthly compared to Chicago suburb Elmwood Park at $158 monthly show a $73 difference across Illinois's diverse communities. Chicagoland consistently commands premiums over downstate agricultural regions.
Illinois's sharp urban-rural divide creates predictable patterns, with proximity to Chicago driving higher costs throughout the metropolitan area. Compare rates for your city below.
Data filtered by:
Abingdon
| Full Coverage | $89 | $1,070 |
| Minimum Coverage | $44 | $533 |
Is Illinois Car Insurance Expensive?
With rankings of 24th for minimum coverage and 13th for full coverage, Illinois offers rates around the average when looking at lower coverage options, while for full coverage, it can be an affordable state compared to the rest of the country.
Why Is Car Insurance More Expensive in Illinois?
Below we'll explore the reasons for Illinois's high car insurance rates:
Moderate Rate of Uninsured Drivers
The 10 largest car insurance companies raised Illinois drivers' rates by more than $1.25 billion in 2023, following a similar billion-dollar increase in 2022. Statewide premiums are up 28% to an average annual cost of $2,310, while rates in Chicago have spiked 34% to an average of $2,532 for 2024. This far exceeds the national average increase of 26%, making Illinois one of the states with the fastest-rising insurance costs.
Weather-Related Risks
Illinois is the sixth most likely state to experience tornadoes, with an average of 54 tornadoes per year and 63% occurring during peak season from April through June. With 32 tornadoes, the July 15, 2024 derecho was the most prolific tornado event to impact the NWS Chicago forecast area in recorded history. These severe weather events impact comprehensive coverage claims and costs.
Moderate Healthcare Costs
Illinois is one of only two states without a review process for auto insurance rate increases, allowing insurers to raise rates without regulatory scrutiny. Illinois-based State Farm and Allstate, including subsidiaries, raised rates by $364 million and $210 million respectively in 2023. The lack of oversight means consumers have limited protection against excessive rate increases compared to other states.
Lower Insurance Fraud Rates
Chicago set an 11-year record for car thefts with 29,063 motor cars stolen in 2023, more than triple the number reported before COVID-19. More than half of all cars stolen by the end of September 2023 were either Hyundai or Kia, driven by social media trends showing how to steal these cars. The arrest rate for car theft fell to 2.6%, its lowest level since the city started tracking the crime in 2001.
Population Density Impact
Chicago has some of the highest average rates in the state as the most densely populated area in Illinois with some of the state's worst crime statistics. Nine-in-10 Chicago neighborhoods experienced more motor car thefts in 2023 than 2022, with the most victimized neighborhood of Englewood reporting one car theft for every 23 residents. Urban crime rates drive higher comprehensive coverage costs across the Chicago metropolitan area.
Vehicle Theft Trends
Bloomington-based State Farm and Northbrook-based Allstate represent 40% of the Illinois car insurance market, and both companies have implemented aggressive rate increases. Since 2022, State Farm has increased rates by $753 million and Allstate by $439 million. Having major insurers headquartered in the state hasn't protected Illinois consumers from rate hikes.
Balanced Age Demographics
Drivers with a poor credit history pay 71% more than average Illinois insurance costs, while drivers with excellent credit history pay 17% less on average. This disparity makes credit scores a critical factor in determining insurance costs for Illinois drivers, particularly affecting those with limited credit history or financial challenges who may face higher premiums.
Competitive Market Rates
Auto claim costs are being compounded by inflation and supply chain disruptions, according to State Farm Communications. Illinois faces the same national trends of increased repair costs, parts shortages and higher medical expenses that are driving up insurance costs nationwide. These factors particularly affect collision and comprehensive coverage claims.
How to Lower Car Insurance Costs In Illinois
Below we've created a step-by-step guide to lowering your car insurance costs.
- 1Decide on coverage needs beforehand
Deciding on your coverage needs beforehand is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and your risk tolerance when making this decision.
- 2Research costs and discounts
To save money for your particular profile, know your average costs for your desired coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance or other bundles for the most balanced perspective.
- 3Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4Compare quotes through multiple means
Compare multiple company quotes to find the best deal possible. Also, we recommend using multiple methods of getting quotes like online comparison sites and independent agents since pricing varies widely between method.
Cost of Car Insurance in Illinois: Bottom Line
Illinois car insurance costs are among the most affordable in the United States, but smart shopping can still help you save even more. Decide on coverage needs beforehand, do thorough research and compare quotes from the right insurers for your situation.
Cost of Car Insurance in Illinois: FAQ
Below are answers to frequently asked questions about Illinois car insurance costs:
How much is Illinois car insurance per month?
Illinois car insurance costs $101 for minimum coverage and $243 for full coverage policies per month. However, rates range from $75 to $550 monthly depending on your unique driver profile and coverage choice.
What factors affect Illinois car insurance costs?
Driving record, age, location, vehicle type, coverage choices, and credit score impact rates. Urban drivers and those with accidents pay more than rural drivers with clean records.
Why is Illinois car insurance affordable?
Illinois experienced massive rate increases with the 10 largest insurers raising rates by over $1.25 billion in 2023. Chicago set an 11-year record for car thefts with 29,063 cars stolen, more than triple pre-COVID numbers. Illinois is one of only two states without rate review processes, allowing insurers to raise rates without regulatory scrutiny. The state ranks sixth nationally for tornado activity.
How expensive is Illinois car insurance?
With rankings of 24th for minimum coverage affordability and 13th for full coverage, Illinois stands out as one of the more budget-friendly destinations for auto insurance across the U.S.
How We Determined Illinois Car Insurance Costs
We used the following profile and modifications of this profile to determine Illinois auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- ABC7 Chicago . "Why Illinois Car Insurance Costs So Much ." Accessed October 22, 2025.
- Chicago Tribune . "Auto, Home Insurance Rates Rising in Illinois ." Accessed October 22, 2025.
- Illinois Policy Institute . "Chicago Hits Record High Car Thefts, Record Low Arrests in 2023 ." Accessed October 22, 2025.
- National Weather Service . "July 15, 2024 Derecho Event ." Accessed October 22, 2025.
- U.S. PIRG Education Fund . "New Analysis: Illinois Car Insurance Rates Hiked by More Than $1.25 Billion in 2023 ." Accessed October 22, 2025.