Home Car insurance Car insurance rates by state Illinois car insurance calculator Illinois car insurance calculator View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's EditorUpdated on: February 20, 2024 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. As a motorist in Illinois, understanding the significance of securing car insurance that complies with the state’s minimum requirements is crucial. Yet, discovering the optimal coverage that aligns with your budget can be a challenging endeavor. This is where our Illinois car insurance calculator proves invaluable.Utilize our auto insurance calculator to approximate your annual and monthly car insurance expenses in Illinois, taking into account your vehicle’s make and model. This empowers you to make well-informed decisions about your coverage. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Illinois Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,102/Year OR $175/month Illinois Get Quote Get Quote 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 - + *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 IllinoisIn Illinois, the make and model of a vehicle can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.For instance, the car insurance rate for a 2022 Acura ILX 2.4L is $1,508 a year for a full coverage policy, whereas average insurance premiums in Illinois for a Toyota 4Runner Limited is $1,538 annually – that’s $30 more compared to Acura ILX 2.4L. How insurers calculate car insurance in Illinois using car model yearIn Illinois and many other areas, the year your car was made can affect your car insurance costs. For instance, if you have a 2021 Chevrolet Blazer 2LT, you might pay about $1,254 per year for insurance. On the other hand, the insurance rate for a 2022 Chevrolet Blazer 2LT is $1,513 annually.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. You might find interesting The best, cheapest car insurance in IllinoisCheapest car insurance in IllinoisNon-owner car insurance in Illinois: Which company has the cheapest rates?Cheapest SR-22 insurance in IllinoisBest and cheapest companies for home and auto bundles in Illinois 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 cityAuroraChicagoJolietNapervilleRockfordCar insurance cost estimate in IllinoisThe 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 OnlyFull CoverageNon-Owner State Minimum Liability OnlyState Minimum Liability Only$530 $1,578 $385 $484 The bottom line: Illinois car insurance calculatorThe 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. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance estimate 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 2023 Used car insurance costs: Most and least expensive models to insure Car insurance estimator: Use our tool to estimate your auto premiums 1/1 How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearWashington D.C.$1,858/YearDelaware$2,137/YearFlorida$2,560/YearGeorgia$1,647/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIndiana$1,256/YearKansas$1,594/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearSouth Dakota$1,581/YearTennessee$1,373/YearTexas$1,875/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow more In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How much is vehicle model important in calculating car insurance in IllinoisHow insurers calculate car insurance in Illinois using car model yearDoes the cost of car insurance in Illinois decrease as a vehicle gets older?Car insurance cost estimate in IllinoisThe bottom line: Illinois car insurance calculator ZIP Code Please enter valid ZIP See rates