Home Car insurance Car insurance rates by state Average car insurance cost in Illinois Average car insurance cost in Illinois View Carriers Please enter valid zip Compare top carriers in your area By Insure.com's Editor | Updated on December 12, 2023 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. The average premium for car insurance in Illinois is $1,578 per year or $132 per month. In comparison, the national average is $1,682. There is a difference of $104 less between the national average and the state average. There are a range of factors that affect car insurance rates. A few of them are age group, gender, driving history, credit score, and where you live. Read on to learn more about the average rates of full coverage, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Illinois, and car insurance rates by age group. Summary of average car insurance cost in IllinoisAverage annual cost$1,578Average per month cost$132Average cost for state minimum coverage$484 / YearCheapest car insurance companyGeico($798/ Year)Average cost for young drivers$2,804 / YearAverage cost for senior drivers$1,501 / Year Key TakeawaysThe average car insurance cost in Illinois is $1,578 per year, based on Insure.com’s analysis.In Illinois, the average premium for car insurance is $132 per month.Geico has the cheapest car insurance rates in Illinois, at an average annual rate of $798 a year. Average car insurance cost in Illinois per month In Illinois, the average premium for car insurance is $132 per month. The price for the same coverage may differ between companies. When looking for car insurance rates in Illinois, get quotes from many firms. As per the rate analysis conducted by Insure.com, the company that offers the cheapest car insurance premiums in Illinois is Geico. The average annual cost is $798, while the average monthly cost is $67. The second-best option available is Travelers, offering insurance at an average monthly cost of $90. The table below lists the other available car insurance companies that offer car insurance in Illinois, along with their average cost per month and average annual cost. Company nameAverage per month costAverage annual costGeico$67$798Nationwide$90$1,077Travelers$90$1,077State Farm$92$1,104Auto-Owners$94$1,127Mercury Insurance$100$1,195American Family$100$1,201Erie Insurance$103$1,239USAA$110$1,317Progressive$118$1,414 Read our guide to the best car insurance companies Average cost of car insurance by coverage levels in Illinois The amount of coverage you purchase impacts how much car insurance costs in Illinois. Your premium is determined by your liability limits and whether you want comprehensive and collision coverage. Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average annual cost in Illinois is $530. When you add more coverage to your policy, your insurance premium increases. The insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Illinois is $1,578 per year. Non-owner state minimum liability coverage is best suited for someone who does not own the car but frequently rents one. It is like liability-only coverage and covers property damage and bodily injury caused to another driver. In Illinois, the average annual cost for non-owner state minimum liability only is $385. Those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage to be able to drive legally in the state. The state minimum liability only coverage costs $484 per year in Illinois. Coverage limitsAverage annual cost50/100/50 Liability Only$530100/300/100 Liability with $500 Comp/Coll Deductible$1,578Non-Owner State Minimum Liability Only$385State Minimum Liability Only$484 Average car insurance cost in Illinois by city Your car insurance premium is determined by various factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code. The table below shows the top popular cities in Illinois: CityAverage annual costChicago$2,273Aurora$1,548Naperville$1,521Joliet$1,716Rockford$1,602Springfield$1,539Elgin$1,575Peoria$1,518Champaign$1,421Waukegan$1,686 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 cityAuroraChicagoJolietNapervilleRockfordAverage car insurance cost in Illinois by age Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Illinois is $2,804, while for seniors it is $1,501. Here, the rate for young drivers is $1,303 more than for senior drivers. Statistics show that young drivers are more likely to be in a vehicle accident than experienced drivers. As a result, they are deemed high-risk and costly to insure. However, premiums start to rise again at about age 70 when some aspects of aging start affecting driving abilities. Average car insurance cost in Illinois for young drivers The average car insurance cost for female young drivers in Illinois is $2,586 per year or $215 per month and rate for a male young driver is $3,023 per year or $252 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers18$5,748$4,80119$4,482$3,67320$4,031$3,32721$3,224$2,73222$2,837$2,44423$2,608$2,28124$2,414$2,14625$2,026$1,867 Average car insurance cost in Illinois for senior drivers In Illinois, the cost of car insurance for senior female driver is $1,491 per year or $124 per month and cost of car insurance for male senior driver is $1,512 per year or $126 per month. Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,443$1,42770$1,568$1,55375$1,735$1,705 Read more about senior car insurance Minimum car insurance requirements in Illinois Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Illinois Department of Insurance, the following are the required coverages and minimum coverage limits in Illinois: Bodily injury per person: $25,000 Bodily injury per accident: $50,000 Personal property coverage per person: $20,000 Cheapest cars to insure in Illinois The Mini Cooper SE has the lowest average annual insurance premium at $1,277, followed closely by the Honda CR-V EX at $1,282. The difference in the cost of insuring these two models is $5 annually. MakeModelAverage annual premiumMiniCooper SE$1,277HondaCR-V EX$1,282HondaHR-V EX$1,294MazdaCX-30 S$1,301MazdaCX-5 S$1,303KiaSeltos EX$1,304FordEcosport S$1,315HyundaiVenue SE$1,321ToyotaC-HR Limited$1,328FordEdge SE$1,336 Most expensive cars to insure in Illinois The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $4,275. However, the difference between the cheapest and most expensive cars to insure is $2,998 annually. MakeModelAverage annual premiumMaseratiQuattroporte$4,275MaseratiGhibli Modena$3,914BMWM8 Competition XDrive$3,853MaseratiLevante Trofeo$3,832MaseratiGhibli GT$3,802MaseratiGhibli Trofeo$3,666AudiR8 5.2L V10 Quattro Performance$3,538BMWM850i XDrive$3,520TeslaModel S Plaid$3,378Porsche718 Boxster Spyder$3,359 Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible. Methodology Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $100,000 property damage liability $500 collision/comprehensive deductible The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Illinois Non-owner car insurance in Illinois Average renters insurance cost in Illinois Average homeowners insurance cost in Illinois 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/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 Average car insurance cost in Illinois per monthAverage 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 Get instant quotes now ! Please enter valid zip Get Quotes