Updated: December 1, 2024
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In Illinois, the average yearly cost for a car insurance policy with full coverage is around $1,153. If you opt for minimum coverage, the average cost is about $480 annually.
Your age, the level of coverage you choose, where you live, your driving record, and your credit history play a role in determining how affordable or costly your car insurance will be.
IllinoisCar InsuranceCostsWhy Trust MoneyGeek? To pinpoint the most precise average costs for various drivers across Illinois, MoneyGeek compiled data from Quadrant Information Services and the Illinois Department of Insurance. This was done using sample driver profiles that reflect the typical criteria insurers use to determine premiums.
These rates reflect the average cost of car insurance in Illinois as of November 2024.
Illinois drivers pay an average of $1,153 yearly for full coverage car insurance. Compare car insurance quotes from several insurers to find the most affordable option for you.
The table below shows a breakdown of the average cost of auto insurance in Illinois, from the minimum coverage to comprehensive full coverage options.
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,153 | $96 |
| 100/300/100 Liability Only | $597 | $50 |
| State Minimum Liability Only | $480 | $40 |
Car insurance in Illinois is relatively affordable compared to other states. The average annual premium for full coverage with a $1,000 deductible is $1,153, which is less than the national average of $1,358. Meanwhile, the average yearly premium for state minimum coverage is $480, less than the national average of $619.
Several factors influence the cost of car insurance in Illinois. These include the competitive insurance market and lower numbers of uninsured drivers, which contribute to lower insurance premiums for responsible drivers. The cost of repairs and medical care and the rate of accidents and thefts may also be lower in Illinois than in other states. Illinois has a good balance of urban and rural areas, which helps keep the overall insurance costs affordable. The state's specific insurance laws and competition among insurers also help to moderate prices.
Car insurance premiums can differ greatly from one company to another, even within the same state. For instance, in Illinois, American Family offers the cheapest annual full coverage at $723, while Grange Insurance is at the higher end with $1,470.
When searching for the cheapest car insurance in Illinois, understanding the significance of comparing car insurance quotes can't be overstated. It ensures you an affordable plan that aligns with your budget and coverage needs.
| American Family | $723 | $60 |
| Travelers | $869 | $72 |
| Auto-Owners Insurance Co | $898 | $75 |
| Hanover | $901 | $75 |
| GEICO | $941 | $78 |
| Country Financial | $1,025 | $85 |
| Mercury | $1,180 | $98 |
| Progressive | $1,270 | $106 |
| Erie | $1,296 | $108 |
| Allstate | $1,340 | $112 |
| AAA | $1,366 | $114 |
| State Farm | $1,409 | $117 |
| Westfield | $1,456 | $121 |
| Grange Insurance | $1,470 | $123 |
The cost of car insurance in Illinois is also affected by the coverage level you select. For instance, the monthly cost for minimum coverage is approximately $40, whereas full coverage typically comes in around $96. Because it offers a more comprehensive protection, it's recommended to opt for full coverage insurance despite the higher expense.
Adding comprehensive and collision coverages to your policy will understandably increase your premium, yet opting for higher deductibles can mitigate this uptick. It's important to note that the deductible refers to the amount paid out of pocket per claim for each of the comprehensive and collision coverages.
| State Minimum Liability Only | $480 | $40 |
| 100/300/100 Liability Only | $597 | $50 |
| 300/500/300 Liability Only | $776 | $65 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $1,065 | $89 |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $1,071 | $89 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,153 | $96 |
| 100/300/100 Full Cov. w/$1,500 Ded. | $1,159 | $97 |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $1,161 | $97 |
| 100/300/1000,000 - 500 comp_coll | $1,249 | $104 |
| 300/500/300 Full Cov. w/$1,000 Ded | $1,261 | $105 |
| 300/500/300 Full Cov. w/$1,500 Ded. | $1,267 | $106 |
| 300/500/300 Full Cov. w/$500 Ded. | $1,357 | $113 |
In Illinois, the minimum car insurance requirements include $25,000 for bodily injury per person, $50,000 per accident and $20,000 for property damage, with uninsured/underinsured motorist coverage matching the bodily injury limits at $25,000 per person and $50,000 per accident.
$25,000 for bodily injury liability per person
This is the minimum amount required in Illinois for covering injuries to one person in an accident where you're at fault.
$50,000 for bodily injury liability per accident
Illinois requires this amount for injuries per accident, ensuring multiple people can be compensated.
$20,000 for property damage liability per accident
This coverage takes care of damage to another person's property for a single accident in Illinois.
$25,000 uninsured motorist bodily injury per person
This covers your own injuries if hit by an uninsured driver in Illinois.
$50,000 uninsured motorist bodily injury per accident
This is for your own injuries per accident, offering protection against uninsured drivers.
Your location influences your car insurance premiums significantly. The most affordable city in Illinois for full coverage is Springfield at $803, while Chicago tops the chart at $1,234.
Various elements in Illinois impact car insurance costs, including driving record, type of car, credit score, marital status and age. Affordable options depend on these factors among others, leading to varied premiums across cities.
| Aurora | $858 | $403 |
| Chicago | $1,234 | $527 |
| Elgin | $881 | $413 |
| Joliet | $954 | $441 |
| Naperville | $829 | $398 |
| Peoria | $818 | $370 |
| Rockford | $857 | $382 |
| Springfield | $803 | $350 |
Age significantly influences car insurance costs in Illinois. Generally, teens and young adults pay the most, with premiums decreasing as experience and age increase.
Drivers aged 22 to 29 face the highest annual premiums, averaging $1,430, while those 60 and over enjoy the lowest rates, now at around $1,093 annually. Middle-aged drivers, 30 to 59, typically see moderate costs at $1,153 annually.
| 22-29 | $1,430 | $119 |
| 30-59 | $1,153 | $96 |
| 60 + | $1,093 | $91 |
Age and gender significantly influence car insurance rates in Illinois, with 16-year-old male drivers facing the highest average annual premiums when added to a family policy, typically around $2,399. Rates for their individual policy soar to approximately $5,104, but legally, teens under 18 must have a parent or guardian co-sign to obtain car insurance.
Full coverage car insurance for a 2012 model averages $843 annually, while a 2022 model sees that cost jump to $1,060. This increase is due to newer vehicles having a higher actual cash value, more expensive repair costs and a greater likelihood of theft, consequently driving up premiums.
Experts suggest that drivers of newer models should consider investing in comprehensive and collision coverage. This type of plan not only protects against a range of incidents but also ensures drivers are better positioned to safeguard their investment.
| 2012 Vehicle | $843 | $70 |
| 2022 Vehicle | $1,060 | $88 |
The actual cash value (ACV) of your vehicle is the amount your insurer will pay if your car is damaged or totaled in a covered incident. This sum reflects your vehicle's market value, minus depreciation, at the time of the claim. Understanding ACV helps you anticipate the payout and assess the adequacy of your coverage.
The average cost of car insurance varies in Illinois depending on your driving record.
The more severe the driving violation, the more you'll likely pay in car insurance premiums in Illinois. Violations remain on your record for a period, affecting your rates during that time. For example, a DUI in Illinois can affect your insurance costs for up to five years.
While a DUI generally leads to the steepest increase in car insurance premiums in many states, it's not always the case. Some insurers may charge more for other severe infractions.
| Clean | $1,153 | $96 |
| Ticket | $1,442 | $120 |
| At-fault Accident | $1,666 | $139 |
| DUI | $1,844 | $154 |
Drivers in Illinois can expect to pay an average annual premium of up to $1,762 for car insurance, depending strongly on their credit score. Your credit score hugely influences how much you shell out for coverage.
A good credit score ranges from 670 to 739. Scores can go as high as 800 or more, which is considered excellent, or as low as 580, which lands you in the poor category. Generally, the higher your score, the lower your rates — with excellent credit score holders paying about $741 annually.
| Excellent | $741 | $62 |
| Good | $933 | $78 |
| Fair | $1,160 | $97 |
| Below Fair | $1,427 | $119 |
| Poor | $1,762 | $147 |
These are the key factors that affect car insurance rates in Illinois:
To secure affordable car insurance in Illinois, compare rates, raise your deductible and leverage all eligible discounts. Shopping around ensures you find the best value for minimum coverage auto insurance.
Shop Around
Comparing rates from different insurers can lead to finding the cheapest car insurance in Illinois. Use online tools to streamline the process.
Maintain a Clean Driving Record
Keeping a clean driving record free of accidents and violations can significantly lower insurance costs, as it indicates responsible driving behavior.
Consider Vehicle Type
The cost of insurance can vary based on the car's model and safety features. Choosing a vehicle that's less expensive to insure can lead to savings.
Increase Deductibles
Opting for higher deductibles can reduce premium costs, but ensure you can afford the deductible amount in case of a claim.
Bundle Insurance Policies
Bundling auto insurance with other policies like homeowners insurance can unlock discounts and lower the overall cost of insurance.
Look for Discounts
Insurers offer various discounts for things like multiple cars, good students or defensive driving courses. Always ask for available discounts to reduce costs.
Review Coverage Annually
Regularly reviewing your policy and coverage needs can ensure you're not overpaying for insurance. Adjust your policy as your circumstances change.
Here, we'll cover the essentials, providing straightforward insights into what Illinoians might expect to pay for their car insurance. This information can help you make informed decisions about your policy.
Illinois requires drivers to have at least $25,000 in bodily injury coverage per person and $50,000 per accident, plus $20,000 for property damage per accident. Uninsured and underinsured motorist coverage must also meet these bodily injury limits. For more details, visit minimum car insurance.
On average, full coverage auto insurance in Illinois costs $1,153 annually, which breaks down to about $96 per month. The minimum coverage costs around $480 yearly, or approximately $40 monthly.
A 22-year-old in Illinois typically pays $1,430 per year for full coverage with a $1,000 deductible. Liability-only coverage at 100/300/100 costs about $711 annually, while minimum coverage is around $570. Monthly, these are approximately $119, $59, and $48, respectively.
For minimum coverage in Illinois, the cheapest car insurance providers are Mercury at $307 per year and Hanover at $321 per year, both meeting the state's basic legal requirements.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
