Average Car Insurance Cost in Illinois (2024 Rates)

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If you’re looking for car insurance rates in Illinois, the average annual premium is $1,532, per year or $128 monthly. This contrasts with the national average of $1,895, highlighting a variation of $363. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.

This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Illinois, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes.

Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget.

Average annual cost
$1,532

Average per month cost
$128

Average cost for state minimum coverage
$421 / Year

Cheapest car insurance company
Auto Club Group – ACG (AAA)($979 / Year)

Average cost for young drivers
$2,467 / Year

Average cost for Senior drivers
$1,511 / Year

Key Takeaways

The average car insurance cost in Illinois is $1,532 per year, based on Insure.com’s analysis.
In Illinois, the average premium for car insurance is $128 per month.
Auto Club Group – ACG (AAA) has the cheapest car insurance rates in Illinois, at an average annual rate of $979 a year.

Average car insurance cost in Illinois per month

In Illinois, car insurance costs around $128 per month on average.

It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Illinois, it’s wise to obtain quotes from multiple firms.

Cheapest car insurance companies in Illinois

According to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Illinois is Auto Club Group – ACG (AAA), with an average annual cost of $979 and a monthly average of $82. Following closely is Travelers, providing coverage at an average monthly rate of $93.

The following table lists additional car insurance companies operating in Illinois and their respective average monthly and annual costs.

Affordable car insurance providers in Illinois

Graph

Table

Company name	Average per month cost	Average annual cost
Auto Club Group – ACG (AAA)	$82	$979
Travelers	$93	$1,119
GEICO	$98	$1,178
Progressive	$118	$1,412
Auto-Owners	$119	$1,426
Erie Insurance	$124	$1,489
Country Financial	$134	$1,609
State Farm	$136	$1,633
Allstate	$228	$2,742
USAA*	$145	$1,745

*USAA is only available to military community members and their families.

Read our guide to cheap car insurance companies

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*It is recommended that you should get full coverage car insurance for vehicles 2020 or newer.

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Average cost of car insurance by coverage levels in Illinois

The extent of coverage you opt for directly influences the cost of car insurance in Illinois. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.

Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Illinois would be $471.

As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Illinois amounts to $1,532.

For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Illinois, the average annual cost for non-owner state minimum liability coverage stands at $279.

For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $421 annually in Illinois.

1State minimum:$421

2Liability only:$471

3Full coverage:$1,532

4Non-owners:$279

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Illinois by city

Average car insurance cost in Illinois by city

Your car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.

The table below depicts the top popular cities in Illinois:

City	Average annual cost
Aurora	$1,476
Champaign	$1,367
Chicago	$1,930
Elgin	$1,502
Joliet	$1,574
Naperville	$1,429
Peoria	$1,502
Rockford	$1,509
Springfield	$1,497
Waukegan	$1,564

Average car insurance cost in Illinois by age of the driver

Age plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Illinois is $2,467, whereas for seniors, it’s $1,511. The rate for young drivers surpasses that of senior drivers by $956.

Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.

Average car insurance cost in Illinois for young drivers

For female young drivers in Illinois, the average annual car insurance cost is $2,371, and $198 per month. Conversely, male young drivers face an average annual rate of $2,562, and $214 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
20	$3,256	$2,923
21	$2,703	$2,465
22	$2,451	$2,274
23	$2,282	$2,151
24	$2,120	$2,039

Average car insurance cost in Illinois for senior drivers

For senior female drivers in Illinois, the annual cost of car insurance is $1,491, or $124 per month. Similarly, male senior drivers face an annual insurance rate of $1,531, or $128 per month.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,411	$1,388
70	$1,510	$1,477
75	$1,672	$1,609

Minimum car insurance requirements in Illinois

Every state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Illinois Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Illinois:

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Personal property coverage per person: $20,000

Cheapest cars to insure in Illinois

According to Insure.com data study, Hyundai Kona Electric has the lowest premium of $1,590. Honda CR-V is followed closely at $1,623 per year. The difference in the cost of insuring these two models is $33 annually.

Make	Model	Average annual premium
Hyundai	Kona Electric	$1,590
Honda	CR-V	$1,623
Honda	HR-V	$1,635
Subaru	Forester	$1,635
Kia	Seltos	$1,636
Mazda	CX-30	$1,638
Kia	Niro EV	$1,644
Chevrolet	TrailBlazer	$1,656
Hyundai	Kona	$1,656
Honda	Pilot	$1,659

Most expensive cars to insure in Illinois

The Audi R8 Performance, at an average annual premium of $6,462, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $4,872 annually.

Make	Model	Average annual premium
Audi	R8 Performance	$6,462
Maserati	Quattroporte Trofeo	$6,184
Maserati	Quattroporte	$6,154
Maserati	Ghibli Trofeo	$6,063
Maserati	Ghibli	$5,394
BMW	M8	$4,931
Porsche	911 Carrera GT3 RS	$4,720
Audi	R8	$4,697
BMW	Alpina B8	$4,538
Maserati	Levante Trofeo	$4,474

Methodology

The Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.

57M

Quotes reviewed

136

No. of carriers analyzed

34.5K

ZIP codes analyzed