Illinois Car insurance calculator

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If you drive in Illinois, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Illinois car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.

Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Illinois, making it easier to compare options and choose the coverage that’s right for you.

How to use our car insurance calculator to estimate your rates in Illinois

Get a fast, personalized car insurance estimate with our calculator. Enter a few details, and you’ll see your potential rates in minutes – making it easy to compare options and choose coverage with confidence.

Step 1: Choose the model year of your car
Step 2: Choose the make and model of your car
Step 3: Choose your state
Step 4: Click on the “Get My Rates” button to get a car insurance estimat
Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices

Updated with latest data

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Matching results for your car

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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.

Does your vehicle model affect car insurance rates in Illinois?

Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.

For example, the average annual full coverage cost for a Honda Accord LX in Illinois is $2,227, while the average premium for a Honda CR-V is $1,846 – that’s a difference of $381 annually.

Does your car’s model year affect insurance rates in Illinois?

In Illinois, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $3,846 per year, while the 2024 model costs $2,142 annually to insure.

Quick tip: Review your state’s minimum insurance requirements before choosing a policy

Each state sets its own minimum car insurance requirements, and Illinois is no different. To drive legally, you’ll need at least the minimum liability coverage, which generally includes:

Bodily injury liability per person and per accident
Property damage liability

These limits offer the minimum coverage, but many drivers choose higher coverage to protect themselves after an accident.

Driving without the required coverage in Illinois can lead to fines, license suspension and 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 city

Aurora

Chicago

Naperville

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How your car’s trim affects insurance rates in Illinois

In Illinois, insurance premiums vary depending on your vehicle’s trim. Higher trims with upgraded technology or more powerful engines are often more expensive to insure because of their costly replacement and repair costs.

For instance, full coverage car insurance for a 2023 Honda Accord LX in Illinois costs $3,846 per year. On the other hand, the Honda Accord EX-L trim costs $3,324 annually to insure – a difference of $522.

Luxury features such as premium audio systems can increase a vehicle’s value, leading to higher premiums. Similarly, performance trims with larger engines may raise insurance premiums due to the higher risk of accidents or speeding.

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Car insurance estimate in Illinois

Drivers in Illinois pay an average of $1,901 per year or $158 per month for full-coverage car insurance. Your exact premium could differ based on the level of coverage you choose. The table below shows estimated rates for various coverage limits in Illinois. However, your actual rate may vary depending on your driving history, vehicle type and other personal factors.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$1,901	$158
Liability Only – 50/100/50 BI/PD	$503	$42
State Minimum BI/PD	$462	$38
Non-Owners	$395	$33

How much is car insurance in Illinois by city

Your location plays a significant role in determining car insurance rates in Illinois. Factors such as traffic congestion, accident frequency, weather conditions, and crime rates influence premiums. For instance, drivers in Riverdale pay $2,721 per year for coverage, while those in Sycamore pay $1,533 annually for the same coverage.

Top 20 cities with cheapest car insurance rates in Illinois

City	Avg. Annual Premium	Avg. Monthly Premium
Sycamore	$1,533	$128
Genoa	$1,550	$129
Virgil	$1,551	$129
Malta	$1,552	$129
Cortland	$1,558	$130
Galt	$1,562	$130
Hinckley	$1,568	$131
Fairbury	$1,571	$131
Huntley	$1,571	$131
Esmond	$1,573	$131
Rock Falls	$1,575	$131
Pontiac	$1,578	$132
McHenry	$1,584	$132
Peru	$1,584	$132
Crystal Lake	$1,588	$132
Graymont	$1,592	$133
Nachusa	$1,594	$133
Sandwich	$1,594	$133
Elburn	$1,596	$133
Harmon	$1,596	$133

Top 20 cities with most expensive car insurance in rates Illinois

City	Avg. Annual Premium	Avg. Monthly Premium
Riverdale	$2,721	$227
Calumet City	$2,701	$225
Brooklyn	$2,646	$220
National Stock Yards	$2,643	$220
Dolton	$2,614	$218
East St. Louis	$2,569	$214
Venice	$2,553	$213
Cicero	$2,540	$212
Harvey	$2,524	$210
Madison	$2,518	$210
Markham	$2,492	$208
Posen	$2,444	$204
Chicago	$2,421	$202
Cahokia	$2,420	$202
Blue Island	$2,386	$199
Hazel Crest	$2,381	$198
Maywood	$2,346	$196
Robbins	$2,344	$195
Hines	$2,341	$195
Glenwood	$2,336	$195

Want to know what you’ll pay? Use the Illinois car insurance calculator

Use the Illinois car insurance calculator to get an estimate based on your location, vehicle make and model year. Enter your details to get a tailored estimate, but remember-final rates may differ, so it’s wise to compare quotes from different insurers to find the best deal.

How much is car insurance in other states

Alaska$2,215/Year

Alabama$2,107/Year

Arkansas$2,723/Year

Arizona$2,333/Year

California$3,010/Year

Colorado$3,222/Year

Connecticut$2,726/Year

Washington, D.C.$3,394/Year

Delaware$3,097/Year

Florida$3,852/Year

Georgia$2,739/Year

Hawaii$1,721/Year

Iowa$2,228/Year

Idaho$1,791/Year

Indiana$1,856/Year

Kansas$2,410/Year

Kentucky$2,976/Year

Louisiana$4,180/Year

Massachusetts$2,430/Year

Maryland$2,273/Year

Maine$1,701/Year

Michigan$3,146/Year

Minnesota$2,561/Year

Missouri$2,410/Year

Mississippi$2,455/Year

Montana$2,541/Year

North Carolina$2,587/Year

North Dakota$2,079/Year

Nebraska$2,387/Year

New Hampshire$1,650/Year

New Jersey$2,736/Year

New Mexico$2,486/Year

Nevada$3,284/Year

New York$2,898/Year

Ohio$1,739/Year

Oklahoma$2,705/Year

Oregon$1,927/Year

Pennsylvania$2,428/Year

Rhode Island$2,706/Year

South Carolina$2,367/Year

South Dakota$2,635/Year

Tennessee$2,214/Year

Texas$2,631/Year

Utah$2,250/Year

Virginia$1,837/Year

Vermont$1,504/Year

Washington$2,175/Year

Wisconsin$2,026/Year

West Virginia$2,557/Year

Wyoming$1,984/Year

Shivani Gite

Contributing 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.

On this page

How to use our car insurance calculator to estimate your rates in Illinois
Does your vehicle model affect car insurance rates in Illinois?
Does your car's model year affect insurance rates in Illinois?
How your car's trim affects insurance rates in Illinois
Car insurance estimate in Illinois
How much is car insurance in Illinois by city
Want to know what you'll pay? Use the Illinois car insurance calculator

Illinois car insurance calculator