- How much is car insurance in Illinois?
- Illinois car insurance rates by company
- Illinois car insurance costs by coverage level
- Illinois car insurance by driver profile
- Illinois car insurance rates by age group
- How much does car insurance cost in Illinois per month?
- Illinois car insurance discounts
- Car insurance requirements in Illinois
- Car insurance rates in Illinois by model year
- Compare auto insurance rates by city in Illinois
- Car insurance premium trends in Illinois
- Methodology
- Compare Illinois car insurance rates with other states
How much is car insurance in Illinois?
The average cost of car insurance in Illinois is $1,901 annually for full coverage. However, these rates vary considerably based on factors like age, coverage levels, driving record and the make and model of the vehicle.
For example, younger drivers and males pay higher insurance rates, as do drivers with poor driving records.
Illinois drivers who only want to carry the minimum car insurance can expect to pay an average of $462 . However, collision and comprehensive coverages aren't included, so any damage to your vehicle in an at-fault accident would be paid out of pocket.
"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.
| Average annual premium | $1,901 |
| Average monthly premium | $158 |
Illinois car insurance rates by company
Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records. That's why car insurance rates in Illinois can differ greatly from one company to another.
The table below compares average Illinois car insurance rates from top-rated companies for different coverage levels. On average, GEICO is the cheapest car insurance company in Illinois.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| GEICO | $325 | $403 | $1,451 |
| Travelers | $574 | $622 | $1,455 |
| Auto Club Group - ACG (AAA) | $568 | $558 | $1,834 |
| Erie Insurance | $316 | $358 | $2,018 |
| Auto-Owners | $398 | $454 | $2,031 |
| Country Financial | $347 | $374 | $2,060 |
| Progressive | $622 | $702 | $2,166 |
| Allstate | $653 | $704 | $2,869 |
| USAA | $453 | $504 | $1,638 |
Illinois car insurance costs by coverage level
The cheapest option in Illinois is usually minimum car insurance. But even if you raise the limits, it still won't cover you or damage to your car. Full coverage costs more, but it includes collision and comprehensive insurance, which helps pay for damage to your car from accidents or events like bad weather.
Check out Illinois car insurance costs by coverage level below.
| State minimum car insurance | $462 |
| Liability-only car insurance | $503 |
| Full coverage car insurance | $1,901 |
Illinois car insurance by driver profile
Car insurance companies use your driving record to help determine rates since it indicates how likely you are to file a claim. Drivers with DUIs, multiple accidents or a history of reckless driving have significantly higher insurance rates.
In most states, credit history also affects car insurance rates. Statistically, drivers with a lower credit score are more likely to file a claim instead of paying out of pocket for damages.
This table compares average car insurance rates in Illinois based on driver profiles. The highest rates in Illinois are for drivers with Bad Credit.
| Profile | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-Fault Accident | $1,901 | $2,942 | $1,041 | 55% |
| Bad Credit | $1,901 | $3,756 | $1,855 | 98% |
| Careless driving | $1,901 | $2,847 | $947 | 50% |
| Claims | $1,901 | $2,270 | $369 | 19% |
| DUI | $1,901 | $3,231 | $1,330 | 70% |
| Reckless driving | $1,901 | $3,202 | $1,302 | 68% |
| Speeding | $1,901 | $2,575 | $674 | 35% |
| Texting ticket | $1,901 | $2,415 | $515 | 27% |
Illinois car insurance rates by age group
Age has a big effect on car insurance rates. In Illinois, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.
The table below shows the average car insurance rates in Illinois based on age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $5,925 |
| Young Adults (20-24) | $3,048 |
| Adults (25-60) | $1,924 |
| Seniors (65-75) | $1,805 |
How much does car insurance cost in Illinois per month?
The average monthly cost of Illinois car insurance varies based on the amount of coverage you choose. While the minimum required car insurance is the cheapest, full coverage offers more protection at a higher rate.
| Coverage Level | Average monthly premium |
|---|---|
| State Minimum BI/PD | $38 |
| Liability Only - 50/100/50 BI/PD | $42 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $158 |
Illinois car insurance discounts
The car insurance discounts you can get and how much you can save depend on both the company and the state. As a result, in Illinois, savings can be very different from one company to another.
Take a look at the car insurance discounts available in Illinois below and see the average amount you can save.
| Discount type | Premium before discount | Premium after discount | $ Saving | % Saving |
|---|---|---|---|---|
| Anti-Theft Device | $1,901 | $1,876 | $25 | 2% |
| Comp and Coll Deductibles | $1,901 | $1,554 | $347 | 18% |
| Daily Commute | $1,901 | $1,779 | $122 | 6% |
| Days Advanced Purchase | $1,901 | $1,718 | $183 | 8% |
| Days Per Week Driven | $1,901 | $1,835 | $65 | 3% |
| Education | $1,901 | $1,852 | $49 | 3% |
| Electronic Funds Transfer | $1,901 | $1,825 | $76 | 4% |
| Electronic Signature | $1,901 | $1,711 | $190 | 10% |
| Homeowner | $1,901 | $1,770 | $131 | 7% |
| Lower Annual Mileage | $1,901 | $1,759 | $142 | 7% |
| Loyalty - Years Renewal With Company | $1,901 | $1,678 | $223 | 10% |
| Marital Status | $1,901 | $1,759 | $142 | 9% |
| Multi Policy | $1,901 | $1,711 | $190 | 9% |
| Paperless/Electornic Documents | $1,901 | $1,839 | $62 | 3% |
| Payment Type | $1,901 | $1,718 | $183 | 10% |
| Primary Use | $1,901 | $1,735 | $165 | 8% |
| Profession | $1,901 | $1,707 | $194 | 10% |
| Safety Devices | $1,901 | $1,833 | $68 | 3% |
| Telematics | $1,901 | $1,706 | $195 | 10% |
| Years Insured | $1,901 | $1,431 | $469 | 21% |
Car insurance requirements in Illinois
Illinois requires drivers to have a minimum amount of car insurance, including:
- 25/50/20 in liability coverage to help pay for injuries and property damage you cause in an accident.
Keep in mind that the minimum coverage required by Illinois is just the bare minimum. Experts suggest raising your limits and adding extra coverage like collision and comprehensive to better protect yourself. Having enough coverage can give you peace of mind while driving.
| State Minimum Requirements | 25/50/20 |
| State minimum car insurance | $462 |
| Liability-only car insurance | $503 |
| Full coverage car insurance | $1,901 |
Car insurance rates in Illinois by model year
The vehicle you drive also affects Illinois car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect Illinois car insurance rates below.
Compare accord insurance rates by state
| Company | Style | Average annual premium |
|---|
Compare auto insurance rates by city in Illinois
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Illinois will impact what you pay. Below, we've gathered Illinois car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Arlington Heights | $1,659 |
Aurora | $1,688 |
Chicago | $2,421 |
Joliet | $1,574 |
Car insurance premium trends in Illinois
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Illinois to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.
Compare Illinois car insurance rates with other states
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