Average Car Insurance Cost in Illinois (Updated Rates)

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The average premium for car insurance in Illinois is $1,578 per year or $132 per month. In comparison, the national average is $1,682. There is a difference of $104 less between the national average and the state average.

There are a range of factors that affect car insurance rates. A few of them are age group, gender, driving history, credit score, and where you live.

Read on to learn more about the average rates of full coverage, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Illinois, and car insurance rates by age group.

Summary of average car insurance cost in Illinois
Average annual cost $1,578	Average per month cost $132	Average cost for state minimum coverage $484 / Year
Cheapest car insurance company Geico ($798/ Year)	Average cost for young drivers $2,804 / Year	Average cost for senior drivers $1,501 / Year

Key Takeaways

The average car insurance cost in Illinois is $1,578 per year, based on Insure.com’s analysis.
In Illinois, the average premium for car insurance is $132 per month.
Geico has the cheapest car insurance rates in Illinois, at an average annual rate of $798 a year.

Average car insurance cost in Illinois per month

In Illinois, the average premium for car insurance is $132 per month.

The price for the same coverage may differ between companies. When looking for car insurance rates in Illinois, get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company that offers the cheapest car insurance premiums in Illinois is Geico. The average annual cost is $798, while the average monthly cost is $67. The second-best option available is Travelers, offering insurance at an average monthly cost of $90.

The table below lists the other available car insurance companies that offer car insurance in Illinois, along with their average cost per month and average annual cost.

Company name	Average per month cost	Average annual cost
Geico	$67	$798
Nationwide	$90	$1,077
Travelers	$90	$1,077
State Farm	$92	$1,104
Auto-Owners	$94	$1,127
Mercury Insurance	$100	$1,195
American Family	$100	$1,201
Erie Insurance	$103	$1,239
USAA	$110	$1,317
Progressive	$118	$1,414

Read our guide to the best car insurance companies

Average cost of car insurance by coverage levels in Illinois

The amount of coverage you purchase impacts how much car insurance costs in Illinois. Your premium is determined by your liability limits and whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average annual cost in Illinois is $530.

When you add more coverage to your policy, your insurance premium increases. The insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Illinois is $1,578 per year.

Non-owner state minimum liability coverage is best suited for someone who does not own the car but frequently rents one. It is like liability-only coverage and covers property damage and bodily injury caused to another driver. In Illinois, the average annual cost for non-owner state minimum liability only is $385.

Those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage to be able to drive legally in the state. The state minimum liability only coverage costs $484 per year in Illinois.

Coverage limits	Average annual cost
50/100/50 Liability Only	$530
100/300/100 Liability with $500 Comp/Coll Deductible	$1,578
Non-Owner State Minimum Liability Only	$385
State Minimum Liability Only	$484

Average car insurance cost in Illinois by city

Your car insurance premium is determined by various factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below shows the top popular cities in Illinois:

City	Average annual cost
Chicago	$2,273
Aurora	$1,548
Naperville	$1,521
Joliet	$1,716
Rockford	$1,602
Springfield	$1,539
Elgin	$1,575
Peoria	$1,518
Champaign	$1,421
Waukegan	$1,686

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 age

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Illinois is $2,804, while for seniors it is $1,501. Here, the rate for young drivers is $1,303 more than for senior drivers.

Statistics show that young drivers are more likely to be in a vehicle accident than experienced drivers. As a result, they are deemed high-risk and costly to insure. However, premiums start to rise again at about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Illinois for young drivers

The average car insurance cost for female young drivers in Illinois is $2,586 per year or $215 per month and rate for a male young driver is $3,023 per year or $252 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
18	$5,748	$4,801
19	$4,482	$3,673
20	$4,031	$3,327
21	$3,224	$2,732
22	$2,837	$2,444
23	$2,608	$2,281
24	$2,414	$2,146
25	$2,026	$1,867

Average car insurance cost in Illinois for senior drivers

In Illinois, the cost of car insurance for senior female driver is $1,491 per year or $124 per month and cost of car insurance for male senior driver is $1,512 per year or $126 per month.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,443	$1,427
70	$1,568	$1,553
75	$1,735	$1,705

Minimum car insurance requirements in Illinois

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Illinois Department of Insurance, the following are the required 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

The Mini Cooper SE has the lowest average annual insurance premium at $1,277, followed closely by the Honda CR-V EX at $1,282. The difference in the cost of insuring these two models is $5 annually.

Make	Model	Average annual premium
Mini	Cooper SE	$1,277
Honda	CR-V EX	$1,282
Honda	HR-V EX	$1,294
Mazda	CX-30 S	$1,301
Mazda	CX-5 S	$1,303
Kia	Seltos EX	$1,304
Ford	Ecosport S	$1,315
Hyundai	Venue SE	$1,321
Toyota	C-HR Limited	$1,328
Ford	Edge SE	$1,336

Most expensive cars to insure in Illinois

The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $4,275. However, the difference between the cheapest and most expensive cars to insure is $2,998 annually.

Make	Model	Average annual premium
Maserati	Quattroporte	$4,275
Maserati	Ghibli Modena	$3,914
BMW	M8 Competition XDrive	$3,853
Maserati	Levante Trofeo	$3,832
Maserati	Ghibli GT	$3,802
Maserati	Ghibli Trofeo	$3,666
Audi	R8 5.2L V10 Quattro Performance	$3,538
BMW	M850i XDrive	$3,520
Tesla	Model S Plaid	$3,378
Porsche	718 Boxster Spyder	$3,359

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

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: