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 GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 9, 2026 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’re in Illinois, your monthly cost for full coverage car insurance is $158, which adds up to $1,901 per year. For minimum coverage, expect to pay an average of $38 monthly, or $462 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. 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 012345 1 of 6 Average car insurance cost in IllinoisIf 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: *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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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 Minimum$566/year Liability coverage$783/year Full Coverage$2,187/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? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in IllinoisYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $38 per month or $462 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Illinois, drivers typically pay $158 per month or $1,901 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.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 citySee rates in your 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 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 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers 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:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior 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 states No matches are found Shivani GiteContributing Writer | . .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. 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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