Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Illinois Average car insurance cost in Illinois A full-coverage car insurance policy in Illinois costs an average of $1,901 a year or $158 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 10, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in Illinois, you can expect to pay an average of around $158 per month for full coverage car insurance, or $1,901 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $38 monthly or $462 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $1,901 Average per month cost $158 Average cost for state minimum coverage $503 / Year Cheapest car insurance company GEICO($1,451 / Year) Average cost for young drivers $3,048 / Year Average cost for Senior drivers $1,805 / Year Average car insurance cost in Illinois If you live in Illinois can expect to pay an average of $158 per month for full coverage car insurance – that’s $1,901 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $38 monthly or $462 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in IllinoisGEICO has the cheapest rates, at an average annual cost of $1,451 or $121 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Travelers also stands out for its affordable premiums, with an average cost of $121 per month or $1,455 annually.While these insurance companies have some of the lowest average rates in Illinois, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in Illinois Graph Table Company nameAverage per month costAverage annual costGEICO$121$1,451Travelers$121$1,455Auto Club Group – ACG (AAA)$153$1,834Erie Insurance$168$2,018Auto-Owners$169$2,031Country Financial$172$2,060Progressive$180$2,166Allstate$239$2,869USAA*$136$1,638*USAA is only available to military community members and their families.Powered by: Updated with latest data Illinois car insurance calculator Select Year Select Year20242023202220212020201920182017201620152014 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2024 Cylinders 4 Make & Model Acura - Integra State Illinois Style 2WD 4 Door Hatchback Automatic Turbo Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage $927/Year OR $77/month Full Coverage $2,382/Year OR $199/month Illinois Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *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 IllinoisThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $38 per month, or $462 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Illinois, the average cost for full coverage is $158 per month, or $1,901 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.Coverage limitsAverage annual costState minimum liability-only$462Liability only$503Full coverage$1,901Non-owner state minimum liability$395Powered by: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 cityAuroraChicagoNapervilleAverage car insurance cost in Illinois by cityWhere you live in Illinois can have a big impact on your car insurance rates.If you’re located in cities like Chicago, Rockford, or Waukegan, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Naperville and Champaign tend to pay much lower insurance premiums, between $1,673 and $1,676 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costNaperville$1,673Champaign$1,676Aurora$1,688Elgin$1,716Peoria$1,798Joliet$1,798Springfield$1,844Waukegan$1,865Rockford$1,866Chicago$2,421Powered by:Average car insurance cost in Illinois by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Illinois for a full coverage policy based on your age and gender.Average car insurance cost in Illinois for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Illinois pay an average of $3,995 per year for car insurance, while females of the same age pay $3,466.But by the time you turn 25, insurance premiums drop to $2,391 a year on average for male drivers and $2,367 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$3,995$3,46621$3,344$3,01422$3,047$2,82623$2,867$2,69924$2,671$2,574Powered by:Average car insurance cost in Illinois for adult driversOn average, an adult male driver in Illinois pays $1,933 a year for full coverage or $161 per month. Women pay $1,915 a year or $160 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,391$2,36730$2,098$2,10435$1,995$1,99440$1,904$1,89845$1,851$1,83750$1,778$1,75555$1,724$1,68160$1,713$1,656Powered by:Average car insurance cost in Illinois for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $1,700 per year, while women pay $1,638. But by age 70, average premiums rise to $1,819 for men and $1,726 annually for women. At 75, rates increase even further – $2,048 for male drivers and $1,887 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,700$1,63870$1,819$1,72675$2,048$1,887Powered by:Minimum car insurance requirements in IllinoisWhether you’re buying your first insurance policy or just moved to Illinois, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Illinois must carry at least the following minimum liability coverage:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $20,000Cheapest cars to insure in IllinoisYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Honda CR-V tops the list for cheapest car to insure in Illinois at an average cost of $1,846 a year, followed closely by Mini Cooper Electric at $1,906 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumHonda CR-V$1,846Mini Cooper Electric$1,906Honda HR-V$1,914Chevrolet Express$1,915Volkswagen Tiguan$1,919Honda Odyssey$1,930Subaru Forester$1,941Mazda CX-5$1,952Honda Pilot$1,954Subaru Outback$1,966Powered by:Most expensive cars to insure in IllinoisMaserati Quattroporte is one of the most expensive vehicles to insure in Illinois, with an average annual cost of $7,280.Below is a list of the costliest vehicles to insure in Illinois and their average premiums.Make ModelAverage annual premiumMaserati Quattroporte$7,280Maserati Ghibli$6,974Audi RS7$5,866Nissan GT-R$5,427Audi RS6$5,411Porsche 911 GT3$5,155Audi S8$5,148BMW X6 M$5,146Audi e-tron GT$5,114Mercedes-AMG GT$5,029Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has 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 different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Young drivers aged 20-24Adult drivers aged 25-26Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in IllinoisCheapest car insurance companies in IllinoisAverage cost of car insurance by coverage levels in IllinoisAverage car insurance cost in Illinois by cityAverage car insurance cost in Illinois by ageMinimum car insurance requirements in IllinoisCheapest cars to insure in IllinoisMost expensive cars to insure in IllinoisMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330