In Illinois, full coverage car insurance averages $1,153 yearly, while minimum coverage is about $480. These estimates are $143 and $115 less, respectively, than the national averages.
Average Cost of Car Insurance in Illinois
Updated: December 27, 2024
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Key Takeaways
Drivers in the Prairie State pay about 11% less for full coverage car insurance than the national average.
For minimum coverage, residents pay nearly 19% less than the national average.
The average cost of car insurance in Illinois is $480 for minimum coverage and $1,153 for full coverage, making it one of the more affordable states.
How Much Is Car Insurance in Illinois?
| Full Coverage | $1,153 | $1,296 | -11% |
| State Minimum Liability Only | $480 | $595 | -19% |
Read More: Average Cost of Car Insurance
Illinois Car Insurance Rates by Coverage Level
Your choice of coverage level influences your car insurance rate in Illinois. Opting for higher liability limits and full coverage can raise your rate, while a higher deductible might reduce your premium. Below, find the average costs for minimum coverage and full coverage in the Prairie State, reflecting different deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,357 | $500 |
| 300/500/300 | Full Coverage | $1,267 | $1,500 |
| 300/500/300 | Full Coverage | $1,261 | $1,000 |
| 100/300/100 | Full Coverage | $1,249 | $0 |
| State Minimum | Full Coverage | $1,161 | $500 |
| 100/300/100 | Full Coverage | $1,159 | $1,500 |
| 100/300/100 | Full Coverage | $1,153 | $1,000 |
| State Minimum | Full Coverage | $1,071 | $1,500 |
| State Minimum | Full Coverage | $1,065 | $1,000 |
| 300/500/300 | Liability Only | $776 | $0 |
| 100/300/100 | Liability Only | $597 | $0 |
| State Minimum | Liability Only | $480 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Illinois Car Insurance Cost by City
Car insurance costs can vary from city to city in Illinois due to crime, traffic and weather. For example, Chicago's annual full coverage rate is $1,234, while Aurora and Springfield are lower at $858 and $803, respectively. Check the table below to see how these rates compare to the state's average.
| Aurora | $858 | -55% | $403 | -63% |
| Chicago | $1,234 | -35% | $527 | -52% |
| Elgin | $881 | -54% | $413 | -62% |
| Joliet | $954 | -50% | $441 | -60% |
| Naperville | $829 | -57% | $398 | -64% |
| Peoria | $818 | -57% | $370 | -66% |
| Rockford | $857 | -55% | $382 | -65% |
| Springfield | $803 | -58% | $350 | -68% |
Average Illinois Car Insurance Cost by Age
In Illinois, your age can make your car insurance cost more. Young drivers, like those who are 25, often pay higher rates because they're seen as riskier. On average, 25-year-olds pay 24% more for full coverage and 19% more for state minimum coverage than 40-year-olds. Compared to 65-year-olds, they pay 31% and 21% more, respectively.
| 25 | $1,430 | $570 |
| 40 | $1,153 | $480 |
| 65 | $1,093 | $471 |
While age often changes the cost of car insurance, in California, Massachusetts and Hawaii, it doesn't count. These states offer more equal pricing for drivers of all ages.
Car Insurance Costs in Illinois for Young Drivers by Gender
In Illinois, young drivers face higher car insurance costs due to the increased risk from more frequent accidents. Drivers aged 18 to 25 pay about $1,377 annually when added to a family policy, which is 21% less than an individual policy's average of $1,660.
Gender also plays a role in the cost of car insurance for young Illinois drivers. Female drivers aged 18 to 25 pay around $1,593 per year, which is less compared to male drivers who pay about $1,726. Below, you'll find the average car insurance costs for individual and family policies for young drivers in Illinois, broken down by gender.
Car Insurance Costs in Illinois for Young Females
An 18-year-old female driver in Illinois typically pays $1,461 for full coverage when added to a family policy. Choosing an individual policy would raise the rate by about 45%, costing $2,672.
| 18 | $2,672 | $1,461 | -45% |
| 19 | $2,000 | $1,633 | -18% |
| 20 | $1,771 | $1,450 | -18% |
| 21 | $1,475 | $1,211 | -18% |
| 22 | $1,354 | $1,382 | 2% |
| 23 | $1,241 | $1,264 | 2% |
| 24 | $1,164 | $1,185 | 2% |
| 25 | $1,067 | $1,088 | 2% |
Car Insurance Costs in Illinois for Young Males
An 18-year-old male in Illinois pays around $3,029 for an individual full coverage policy. By joining a family policy, the cost drops to about $1,617, offering a substantial 47% in annual savings.
| 18 | $3,029 | $1,617 | -47% |
| 19 | $2,274 | $1,811 | -20% |
| 20 | $1,971 | $1,570 | -20% |
| 21 | $1,589 | $1,261 | -21% |
| 22 | $1,423 | $1,465 | 3% |
| 23 | $1,281 | $1,317 | 3% |
| 24 | $1,179 | $1,212 | 3% |
| 25 | $1,063 | $1,098 | 3% |
Average Illinois Car Insurance Cost by Driving Record
Traffic offenses in Illinois can raise car insurance premiums by up to 25%. We compare average rates for drivers with at-fault accidents, DUIs and tickets to those with a clean slate.
| At-Fault Accident | $1,666 | -13% | $687 | -37% |
| DUI | $1,844 | -3% | $775 | -29% |
| Ticket | $1,442 | -24% | $585 | -47% |
Read More: High-Risk Car Insurance in Illinois
Average Illinois Car Insurance Cost by Credit Score
In Illinois, your credit-based insurance score plays a big role in your car insurance costs. For full coverage, drivers with excellent credit pay an average of $948 a year, while those with poor credit might pay around $2,272.
| Excellent | $948 | -50% | $335 | -69% |
| Good | $1,196 | -37% | $416 | -62% |
| Fair | $1,485 | -22% | $518 | -53% |
| Below Fair | $1,828 | -4% | $631 | -42% |
| Poor | $2,272 | 19% | $743 | -32% |
CREDIT SCORES AND YOUR PREMIUM
A credit score between 670 and 739 indicates financial reliability, potentially lowering insurance rates for Illinois drivers. However, insurers cannot use credit scores for pricing in states like Hawaii, Massachusetts, Maryland, California and Michigan. In North Carolina, Oregon, Washington, Utah and Nevada, credit scores are considered only in specific situations.
Average Illinois Car Insurance Cost by Company
Car insurance premiums can vary a lot by company, even in the same state. In Illinois, American Family offers the most affordable average annual full coverage at $723. On the higher end, Grange Insurance's average is $1,470, about 18% more than the state's average.
| American Family | $723 | $414 |
| Travelers | $869 | $442 |
| Auto-Owners Insurance Co | $898 | $379 |
| Hanover | $901 | $321 |
| GEICO | $941 | $398 |
| Country Financial | $1,025 | $545 |
| Mercury | $1,180 | $307 |
| Progressive | $1,270 | $548 |
| Erie | $1,296 | $484 |
| Allstate | $1,340 | $649 |
| AAA | $1,366 | $660 |
| State Farm | $1,409 | $542 |
| Westfield | $1,456 | $324 |
| Grange Insurance | $1,470 | $707 |
Read More: Cheapest Car Insurance Companies in Illinois
Average Illinois Car Insurance Cost by Vehicle Age
In Illinois, newer cars have higher insurance premiums, reaching around $1,060 annually for full coverage due to their value and theft risk. This compares to $843 for a 10-year-old model, making the choice between new and old more than just a matter of taste.
| 10-Year-Old Vehicle | $843 | $398 |
| New Model Vehicle | $1,060 | $365 |
ACTUAL CASH VALUE
The actual cash value (ACV) of your car is its worth assessed by your insurer just before damage. For comprehensive or collision claims, the ACV helps determine the maximum payout for repairs or replacement, minus your deductible. This ensures the claim aligns with the car's fair market value.
Read More: Used Car Insurance
Illinois Car Insurance Rates Explained
In Illinois, car insurance rates might be more or less than the U.S. average. We'll show you how costs for full coverage and the state minimum can change based on things like where you live and your credit-based insurance score.
Is Car Insurance Expensive in Illinois?
Car insurance in Illinois is affordable, with an average full coverage cost of $96 per month. It's 11% cheaper than the national average for full coverage policies.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in Illinois vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Illinois Average Cost
Full Coverage Car Insurance
$96IL Car Insurance Is Expensive:$12 saved
This is 11% less expensive.
Why Are Car Insurance Rates Expensive in Illinois?
Illinois' car insurance rates are high due to dense cities, costly living and tough laws. Harsh winters and storms also lead to more claims, raising costs. Understanding these factors can help residents find affordable coverage.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Illinois
While average rates show how demographics and laws affect Illinois car insurance, your price depends on personal factors. To estimate your costs, consider the following:
Driving Record
Safe driving habits can lead to fewer accidents and traffic violations, which helps keep your insurance rates low.
Age and Gender
Younger drivers and males often face higher rates. If you're in these groups, shop around for insurers who may offer better rates.
Credit History
A higher credit score can result in lower insurance premiums. Pay bills on time and reduce debt to improve your score.
Vehicle Type
Insurance costs can vary based on the car's make and model. Choose vehicles known for safety and lower insurance costs.
Location
Living in areas with lower crime rates and less traffic congestion can lead to reduced car insurance rates.
Coverage Level
Opt for coverage that meets your needs without overinsuring. Higher deductibles can also lower your premiums.
Marital Status
Married couples often receive lower rates due to perceived stability. Notify your insurer if you get married.
State Law
Illinois has specific insurance requirements. Ensure you have the minimum coverage to avoid penalties and higher costs.
Read More: Illinois Car Insurance Calculator
Minimum Car Insurance in Illinois
In Illinois, the average annual rate for state minimum car insurance is $480, lower than the national average of $595. This makes the state minimum coverage more affordable compared to full coverage options.
Illinois Car Insurance Requirements
In Illinois, you must have minimum coverage auto insurance. This includes $25,000 for injury per person, $50,000 per accident and $20,000 for property damage. You also need $25,000/$50,000 for uninsured/underinsured motorist coverage.
Liability Limits | What It Covers |
|---|---|
$25,000 for bodily injury liability per person | Medical expenses if you cause an accident |
$50,000 for bodily injury liability per accident | Multiple injuries in a single incident |
$20,000 for property damage liability per accident | Cost of repairs or replacement of damaged property in an accident |
$25,000 uninsured motorist bodily injury per person | Cost if you're hit by a driver without insurance |
$50,000 uninsured motorist bodily injury per accident | Injuries caused by an uninsured driver |
How to Lower Car Insurance Costs in Illinois
To find affordable car insurance in Illinois, compare rates, raise your deductible and take advantage of all applicable discounts to reduce premiums.
- 1
Compare Multiple Quotes
Shopping around and comparing various insurance providers can help residents of the state find the most affordable car insurance rates, saving potentially hundreds of dollars each year.
- 2
Lower Your Risk Profile
Drivers with good credit scores or clean driving records, free of at-fault accidents and moving violations, are viewed as lower risk, leading to significant savings on insurance premiums.
- 3
Adjust Your Coverage
Reevaluate your coverage to ensure you're not overpaying. Increasing deductibles or opting for usage-based policies can reduce costs for those who drive fewer miles or can afford higher out-of-pocket expenses.
- 4
Ask for Discounts
Seek out discounts for safe driving, strong academic performance, anti-theft devices, completing a defensive driving course and policy bundling, as these can substantially lower premiums.
- 5
Consider the Car You Drive
Opting for a vehicle with high safety ratings or lower repair costs can make it more affordable to insure, leading to reduced insurance expenses.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in Illinois: Bottom Line
In Illinois, the average yearly cost for full coverage car insurance is $1,153, making it more affordable than the national average. Your driving history, the car you drive and the coverage you choose can change your rate. Overall, the state is on the cheaper side for car insurance.
Illinois Car Insurance Rates: FAQ
Get answers about what impacts the average cost of car insurance in Illinois and how to find affordable rates.
What are the minimum car insurance requirements in Illinois?
In Illinois, the minimum car insurance requirements include $25,000 for bodily injury liability per person, $50,000 per accident and $20,000 for property damage liability. Additionally, uninsured/underinsured motorist coverage is required with $25,000 per person and $50,000 per accident coverage. Personal injury protection (PIP) and medical payments are not mandated.
What is the average cost of full coverage and minimum coverage auto insurance in Illinois?
In Illinois, the average annual cost for full coverage auto insurance is $1,153, while state minimum coverage averages around $480. These rates can vary based on individual circumstances and coverage options.
What is the average cost of car insurance for a 25-year-old in Illinois?
In Illinois, a 25-year-old can expect to pay around $1,430 for full coverage auto insurance, which is slightly below the state average. For state minimum coverage, the cost is about $570 annually, also under the state average.
What are the cheapest car insurance companies in Illinois?
American Family offers the most affordable car insurance in Illinois, with an annual premium of $723 for full coverage and $414 for state minimum coverage. While their rates are attractive, ensuring adequate protection against significant financial loss is crucial. The monthly premiums would be $60 for full coverage and $34 for minimum coverage.
Illinois Auto Insurance Cost: How We Determine Average Rates
We used a sample driver profile with the following attributes to determine average car insurance rates in Illinois:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by Illinois:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $20,000 for property damage liability per accident.
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
Learn more about MoneyGeek's car insurance methodology.
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.