Home Car insurance Car insurance calculator Illinois car insurance calculator Illinois car insurance calculator Estimate car insurance costs in Illinois using our calculator. Compare rates and find the best policy for your budget. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.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 onJuly 31, 2026 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. Car insurance pricing in Illinois depends on more than your ZIP code. Your vehicle, coverage level and driving history all play a role – and the difference between the cheapest and most expensive policies can be significant. Enter a few details below to get a quick estimate of your potential costs. How to use our car insurance calculator to estimate your rates in IllinoisIt only takes about a minute to get an estimate:Select your car’s model yearChoose the make and modelConfirm Illinois as your stateClick ‘Get My Rates’ to view your estimateAdd more vehicles or click ‘Get quotes’ to compare real-time pricing 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 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: What affects your car insurance rate in Illinois? Your car’s make, model, year and trimYour location within IllinoisYour coverage levelYour driving history, credit score and vehicle storage Does your vehicle model affect car insurance rates in Illinois?A vehicle’s make and model can significantly impact car insurance rates. Make is the brand, while model is the specific vehicle you drive. For example, Honda is the make and Accord is the model.Insurers consider repair costs, claim frequency and theft rates when pricing coverage. Even similarly priced vehicles can have very different insurance costs.For example, full coverage for a Honda Accord LX costs $2,305 per year in Illinois, while a Honda CR-V averages $1,944 – a difference of $361. A popular car doesn’t always mean cheaper insurance High theft rates or expensive repairs can drive up premiums. Always check insurance costs before purchasing a vehicle. Does your car’s model year affect insurance rates in Illinois?In general, newer vehicles cost more to insure because they are more expensive to repair or replace. In Illinois, the annual premium for a 2024 Honda Accord LX is $2,085, while the 2025 model costs $2,293. That said, older cars aren’t always cheaper – vehicles without modern safety features or with costly parts may still carry higher premiums. Check your state’s minimum coverage rules Every state sets its own minimum car insurance requirements, and Illinois is no exception. To drive legally, you’ll need at least the minimum liability coverage, which typically includes:Bodily injury liability per person and per accidentProperty damage liability According to the III (Insurance Information Institute), state-required minimums often aren’t enough to cover the costs of a serious crash, so it’s worth considering higher coverage levels for stronger financial protection. Driving without the required coverage can result in fines, license suspension, or even vehicle impoundment. 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 How does your car’s trim affect insurance rates in Illinois?Your car’s trim can affect how much you pay for insurance. Trim refers to a particular version of a model that includes different features, equipment, or engine options, such as LX, EX, or Sport.For example, in Illinois, full coverage for a 2024 Honda Accord LX costs $2,085 annually, while the Accord EX-L trim costs $2,086 – a difference of $1.Features like premium audio systems or advanced tech can increase rates by raising the car’s value. Performance trims may also increase premiums due to higher risk. You might find interesting Explore related topics Average car insurance cost in IllinoisCar insurance calculator for teens in IllinoisCheapest SR-22 insurance in IllinoisDo you need insurance to register a car in Illinois?How long does a speeding ticket stay on your record in IllinoisHow much is gap insurance in IllinoisIllinois car insurance: Rates, state minimum requirements and best companiesLow-cost car insurance in IllinoisNon-owner car insurance in Illinois: Which company has the cheapest rates?The best and cheapest car insurance in IllinoisSee more Upgrading your trim can increase insurance costs Higher trims often mean higher premiums because upgraded electronics, interiors, and components cost more to repair or replace. Before choosing a trim, it’s worth getting a quote on each option to see how the price difference carries over to your insurance. How much does car insurance cost in Illinois?The average cost of full coverage car insurance in Illinois is $1,938 per year, or $162 per month. This gives you a general benchmark, but your actual rate may be higher or lower depending on your vehicle, coverage choices and personal details. Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,938$162Liability Only – 50/100/50 BI/PD$579$48State Minimum BI/PD$527$44Non-Owners$518$43Powered by: People also ask: What is full coverage car insurance? Full coverage car insurance is a policy that includes liability, comprehensive, and collision coverage. It may also include additional protections like uninsured motorist coverage, medical payments, and other add-ons depending on your needs and state requirements. How do car insurance rates vary by city in Illinois?Where you live within Illinois can have just as much impact on your premium as the coverage you choose. Insurers look at local traffic density, accident statistics, weather risks and theft rates when setting prices – which is why two drivers with identical profiles can pay very different amounts depending on their zip code.Full coverage costs $2,646 per year in Harvey, compared to $1,635 in Bloomington.Top 20 cities with cheapest car insurance rates in IllinoisThese cities have the lowest average premiums in the state, typically because of lower traffic volume, fewer claims and reduced risk overall.CityAvg. Annual PremiumAvg. Monthly PremiumBloomington$1,635$136Bondville$1,644$137Tolono$1,649$137Philo$1,650$137Seymour$1,650$138Sycamore$1,656$138Champaign$1,660$138Crystal Lake$1,660$138St. Joseph$1,663$139Cortland$1,666$139Silvis$1,667$139Spring Grove$1,673$139Moline$1,674$140DeKalb$1,676$140Huntley$1,676$140Normal$1,677$140Fairbury$1,678$140Savoy$1,678$140Chenoa$1,679$140Winfield$1,679$140Powered by:Top 20 cities with most expensive car insurance in rates IllinoisThese cities carry the highest average premiums, driven by higher traffic density, accident rates and claim frequency.CityAvg. Annual PremiumAvg. Monthly PremiumHarvey$2,646$220Dolton$2,580$215Riverdale$2,573$214Markham$2,470$206Posen$2,466$205Calumet City$2,451$204Robbins$2,423$202National Stock Yards$2,400$200Cicero$2,397$200East St. Louis$2,397$200Boles$2,381$198Cahokia$2,375$198Chicago$2,373$198Brooklyn$2,371$198Hazel Crest$2,343$195Hines$2,337$195Maywood$2,332$194Oraville$2,319$193Tunnel Hill$2,317$193New Burnside$2,314$193Powered by: If you’re moving within Illinois, check insurance rates before you go A move from a rural area to a major city can add hundreds of dollars to your annual premium – even if nothing else about your profile changes. Frequently asked questions What is the average cost of car insurance in Illinois? The average cost of full coverage car insurance in Illinois is $1,938 per year, or $162 per month. Your actual premium depends on your vehicle, coverage level, driving record and location. How can I lower my car insurance premium in Illinois? You can reduce your premium by comparing quotes from multiple insurers, increasing your deductible, bundling policies, maintaining a clean driving record and choosing a lower-risk vehicle. Discounts for safe driving, good grades or low mileage can also help. Does my credit score affect car insurance rates in Illinois? In many states, insurers use a credit-based insurance score when setting rates – higher scores often mean lower premiums. However, some states restrict this practice. Check whether Illinois allows credit to be used. Sources:Insurance Information Institute. Auto insurance basics: Understanding your coverage. Accessed May 2026. Estimate your Illinois car insurance cost with our calculatorOur Illinois car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2026 How much does used car insurance cost? Most and least expensive models to insure Car insurance calculator — how much should you be paying? 1/1 How much is car insurance in other statesAlaska$2,167/YearAlabama$2,116/YearArkansas$2,942/YearArizona$2,420/YearCalifornia$3,444/YearColorado$3,181/YearConnecticut$2,742/YearWashington, D.C.$3,465/YearDelaware$3,157/YearFlorida$3,916/YearGeorgia$2,503/YearHawaii$1,757/YearIowa$2,460/YearIdaho$1,901/YearIndiana$1,894/YearKansas$2,496/YearKentucky$2,624/YearLouisiana$3,999/YearMassachusetts$2,429/YearMaryland$1,999/YearMaine$1,808/YearMichigan$3,964/YearMinnesota$2,591/YearMissouri$2,151/YearMississippi$2,397/YearMontana$2,476/YearNorth Carolina$2,638/YearNorth Dakota$2,439/YearNebraska$2,095/YearNew Hampshire$1,689/YearNew Jersey$3,122/YearNew Mexico$2,577/YearNevada$3,963/YearNew York$2,596/YearOhio$1,783/YearOklahoma$2,993/YearOregon$2,048/YearPennsylvania$2,327/YearRhode Island$2,878/YearSouth Carolina$2,417/YearSouth Dakota$2,575/YearTennessee$2,235/YearTexas$3,106/YearUtah$2,356/YearVirginia$1,835/YearVermont$1,660/YearWashington$2,389/YearWisconsin$2,343/YearWest Virginia$2,415/YearWyoming$2,061/YearShow more states No matches are found Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in IllinoisDoes your vehicle model affect car insurance rates in Illinois?Does your car's model year affect insurance rates in Illinois?How does your car's trim affect insurance rates in Illinois?How much does car insurance cost in Illinois?How do car insurance rates vary by city in Illinois?Frequently asked questionsEstimate your Illinois car insurance cost with our calculator ZIP Code Please enter valid ZIP See rates 1-833-708-5453