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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
Average per month cost
Average cost for state minimum coverage
$484 / Year
Cheapest car insurance company
($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’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, 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 isTravelers, 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 nameAverage per month costAverage annual cost
State Farm$92$1,104
Mercury Insurance$100$1,195
American Family$100$1,201
Erie Insurance$103$1,239

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 limitsAverage 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:

CityAverage annual cost

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. 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 monthand 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 driverAverage annual cost for Male driversAverage annual cost for Female drivers

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 driverAverage annual cost for Male driversAverage annual cost for Female drivers

Read more about senior car insurance

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 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:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision/comprehensive deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

How much is car insurance in other states

North Carolina$1,368/Year
North Dakota$1,419/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
New York$2,020/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
West Virginia$1,610/Year
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