Illinois car insurance calculator

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If you’re driving in Illinois, it’s important to know how crucial it is to have car insurance that meets the state’s minimum requirements. But finding the right coverage that also fits your budget can be a bit tricky. That’s where our Illinois car insurance calculator comes in handy.

Use our car insurance calculator to figure out how much you might pay each year and month for auto insurance in Illinois. Just enter your car’s make and model, and it’ll help you make smart choices about your coverage.

Illinois car insurance calculator

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*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.

How much is vehicle model important in calculating car insurance in Illinois

In Illinois, the type and model of your car can really affect how much you pay for car insurance. Insurers look at things like your car’s make and model to decide on the cost of premiums.

For example, the yearly car insurance cost for a full coverage policy on a 2022 Acura ILX 2.4L is $1,508, while the average insurance premiums for a Toyota 4Runner Limited in Illinois are $1,538 annually. That’s a difference of $30 more compared to the Acura ILX 2.4L.

How insurers calculate car insurance in Illinois using car model year

In Illinois and many other places, a car’s model year can influence how much you pay for car insurance. For example, someone with a 2021 Chevrolet Blazer 2LT pays around $1,254 a year for insurance, whereas the car insurance rate for a 2022 Chevrolet Blazer 2LT is $1,513 per year.

Does the cost of car insurance in Illinois decrease as a vehicle gets older?

Usually, in Illinois, car insurance becomes cheaper for older car models. As a car gets older, its value goes down because of depreciation. Because car insurance is meant to cover the repair or replacement costs, the insurance company’s responsibility decreases with an older vehicle. This leads to lower car insurance premiums in Illinois.

People driving a 2020 Honda Accord LX in Illinois usually pay $123 per month for full coverage car insurance. On the other hand, car insurance for the 2022 Honda Accord LX costs $120 each month in Illinois, which is $3 less than the 2020 model.

Older vehicles might not be as tempting to thieves as newer ones with fancy security features. The lower risk of theft can also mean lower insurance costs.

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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

Car insurance cost estimate in Illinois

The average premium for car insurance in Illinois is $1,578 per year or $132 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in Illinois for different coverage levels.

50/100/50 Liability Only	Full Coverage	Non-Owner State Minimum Liability Only	State Minimum Liability Only
$530	$1,578	$385	$484

The bottom line: Illinois car insurance calculator

The car insurance calculator for Illinois figures out your rates using things like where you are and the year, make, and model of your vehicle. Just put in your details, and the calculator gives you an idea of what you might pay. Keep in mind that rates can differ, so it’s smart to get quotes from a few different insurance companies to find the best deal for what you need.