Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Illinois Average car insurance cost in Illinois The average premium for car insurance in Illinois is $1,532 per year or $128 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 9, 2024 Why you can trust Insure.com Quality Verified 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. Understanding potential costs is essential when seeking auto insurance in Illinois. On average, car insurance in Illinois costs $1,532 annually or $128 monthly. This figure contrasts with the national average of $1,682, showcasing a variance of $363 from the state average.You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location. This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in Illinois, and car insurance rates by age group.It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget.Summary of average car insurance cost in IllinoisAverage annual cost $1,532Average per month cost $128Average cost for state minimum coverage $421 / YearCheapest car insurance company Auto Club Group – ACG (AAA)($979 / Year)Average cost for young drivers $2,467 / YearAverage cost for Senior drivers $1,511 / Year Key Takeaways Based on Insure.com’s in-depth data analysis, car insurance in Illinois costs $1,532 per year.In Illinois, the average premium for car insurance is $128 per month.At $979 a year, Auto Club Group – ACG (AAA) has the cheapest car insurance rates in Illinois. Average car insurance cost in Illinois per monthIn 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 IllinoisAccording to Insure.com’s rate analysis, Auto Club Group – ACG (AAA) offers the most affordable car insurance premiums in Illinois. The average annual cost is $979, or $82 per month. The second-best option available is Travelers, offering insurance at an average cost of $93 per month.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 nameAverage per month costAverage annual costAuto Club Group – ACG (AAA)$82$979Travelers$93$1,119Geico$98$1,178Progressive$118$1,412Auto-Owners$119$1,426Erie Insurance$124$1,489Country Financial$134$1,609State Farm$136$1,633Allstate$228$2,742USAA$145$1,745Read our guide to cheap car insurance companies Illinois car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 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 2023 Cylinders 4 Make & Model Acura - Integra State Illinois Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,102/Year OR $175/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 extent of coverage you select determines car insurance costs in Illinois. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Illinois amounts to $471.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Illinois stands at $1,532.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Illinois, the average annual cost for non-owner state minimum liability coverage stands at $279.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $421 in Illinois.Coverage limitsAverage annual costState Minimum BI/PD$421Liability Only – 50/100/50 BI/PD$471Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,532Non-Owners$279Auto 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 cityAuroraChicagoChicagoJolietNapervilleRockfordAverage car insurance cost in Illinois by citySeveral factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code.The table below depicts the top popular cities in Illinois:CityAverage annual costAurora$1,476Champaign$1,367Chicago$1,930Elgin$1,502Joliet$1,574Naperville$1,429Peoria$1,502Rockford$1,509Springfield$1,497Waukegan$1,564Average car insurance cost in Illinois by age of the driverAge 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 driversFor 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 driverAverage annual cost for Male driversAverage annual cost for Female drivers20$3,256$2,92321$2,703$2,46522$2,451$2,27423$2,282$2,15124$2,120$2,039Average car insurance cost in Illinois for senior driversFor 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 driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,411$1,38870$1,510$1,47775$1,672$1,609Read more about senior car insuranceMinimum car insurance requirements in IllinoisEvery 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: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $20,000Cheapest cars to insure in IllinoisThe Hyundai Kona Electric is most affordable average annual insurance premium, standing at $1,590, with the Honda CR-V trailing closely behind at $1,623. The annual difference in insurance costs between these two models amounts to $33.MakeModelAverage annual premiumHyundaiKona Electric$1,590HondaCR-V$1,623HondaHR-V$1,635SubaruForester$1,635KiaSeltos$1,636MazdaCX-30$1,638KiaNiro EV$1,644ChevroletTrailBlazer$1,656HyundaiKona$1,656HondaPilot$1,659Most expensive cars to insure in IllinoisTopping the list as the most expensive car to insure is the Audi R8 Performance, at an average annual premium of $6,462. Notably, the annual difference between the least and most expensive cars to insure amounts to $4,872.MakeModelAverage annual premiumAudiR8 Performance$6,462MaseratiQuattroporte Trofeo$6,184MaseratiQuattroporte$6,154MaseratiGhibli Trofeo$6,063MaseratiGhibli$5,394BMWM8$4,931Porsche911 Carrera GT3 RS$4,720AudiR8$4,697BMWAlpina B8$4,538MaseratiLevante Trofeo$4,474MethodologyThe Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors 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:The quoted insurance rates are for comparison purposes, and your individual rates may vary.How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Illinois Non-owner car insurance in Illinois Average renters insurance cost in Illinois Average homeowners insurance cost in Illinois Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Illinois per monthCheapest 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 age of the driverMinimum car insurance requirements in IllinoisCheapest cars to insure in IllinoisMost expensive cars to insure in IllinoisMethodology ZIP Code Please enter valid ZIP See rates