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: November 6, 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 A full coverage car insurance policy costs around $1,901 a year or $158 per month for Illinois drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $462 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. 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’re a resident of Illinois, full coverage car insurance typically costs about $158 per month, adding up to $1,901 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $38, or $462 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in IllinoisIf you’re looking for affordable insurance, GEICO tops the list of the cheapest car insurance companies. Its average annual cost is $1,451 per year or $121 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Travelers also provides affordable insurance rates in Illinois for a full coverage policy at an average annual insurance cost of $1,455 or $121 monthly.While these companies offer some of the lowest average premiums in Illinois, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. 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: Illinois car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Illinois Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Illinois Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$927/year Full Coverage$2,382/yearRecommended Get quotes Get quotes 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 - + Note: 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 2021 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. Data last refreshed in 2025Powered by: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 cityAuroraChicagoNaperville Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average 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 ageAge plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Illinois for full coverage, depending on your age and gender.Average car insurance cost in Illinois for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Illinois, 20-year-old male drivers pay an average of $3,995 per year for car insurance, while their female counterparts pay $3,466 for the same coverage.However, by age 25, average car insurance costs drop to about $2,391 per year 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 driversAn adult driver aged 25-60 in Illinois pays $1,933 per year for full coverage, or $161 each month. Female drivers of the same age pay $1,915 annually or $160 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.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 driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $1,700 per year, and women pay $1,638.By age 70, those averages increase to $1,819 for men and $1,726 for women. At 75, premiums rise again, reaching $2,048 for male drivers and $1,887 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely 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 purchasing a policy for the first time or relocating to Illinois, it’s important to understand the state’s liability coverage requirements.Drivers in Illinois must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $20,000Cheapest cars to insure in IllinoisInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Honda CR-V has the lowest premium, at an average of $1,846 a year, closely followed by Mini Cooper Electric, with an average annual car insurance cost of $1,906.The table below shows the cheapest cars to insure and their average annual rates.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 stands out as the most expensive car to insure in Illinois, with an average annual cost of $7,280.The table below shows the most expensive vehicles to insure in Illinois along with their average annual insurance costs.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:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.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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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 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