How much is car insurance in Illinois?

The average cost of car insurance in Illinois is $1,532 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 $421. 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$1,532
Average monthly premium$128

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.

CompanyState minimumLiability-onlyFull coverage
GEICO$298$372$1,178
Auto-Owners$318$365$1,426
Erie Insurance$320$360$1,489
Country Financial$341$366$1,609
State Farm$410$482$1,633
Travelers$415$468$1,119
Auto Club Group - ACG (AAA)$461$450$979
Progressive$536$588$1,412
Allstate$640$724$2,742
USAA$482$543$1,745

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$421
Liability-only car insurance$471
Full coverage car insurance$1,532

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 groupsAverage annual premiumAnnual premium for profile$ Increase% Increase
At-fault accident$1,532$2,353$82154%
Bad credit$1,532$3,028$1,49698%
Careless driving$1,532$2,296$76450%
Claims$1,532$1,675$1439%
DUI$1,532$2,605$1,07370%
Reckless driving$1,532$2,582$1,05069%
Speeding$1,532$2,067$53535%
Texting ticket$1,532$1,927$39526%

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 groupFull coverage car insurance
Teens (16-19)$4,714
Young Adults (20-24)$2,467
Adults (25-60)$1,552
Seniors (65-75)$1,511

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 levelAverage monthly premium
State Minimum BI/PD$35
Liability Only - 50/100/50 BI/PD$39
Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll$128

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 
Air Bags$1,895$1,890$5
Anti-Theft Device$1,895$1,872$23
Daily Commute$1,895$1,785$110
Days Advanced Purchase$1,895$1,691$204
Days Per Week Driven$1,895$1,834$61
Education$1,895$1,834$61
Electronic Funds Transfer$1,895$1,810$85
Electronic Signature$1,895$1,707$188
Homeowner$1,895$1,786$109
Lower Annual Mileage$1,895$1,778$117
Loyalty - Years Renewal With Company$1,895$1,749$146
Marital Status$1,895$1,715$180
Multi Policy$1,895$1,724$171
Paperless/Electornic Documents$1,895$1,829$66
Payment Type$1,895$1,727$168
Primary Use$1,895$1,751$144
Profession$1,895$1,716$179
Safety Devices$1,895$1,832$63
Telematics$1,895$1,684$211
Years Insured$1,895$1,527$368
Years Licensed$1,895$1,426$469

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 requirements25/50/20
State minimum car insurance$421
Liability-only car insurance$471
Full coverage car insurance$1,532

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.

L O A D I N G
CompanyStyleAverage annual premium
GEICO2WD 4 Door Sedan Automatic Turbo$1,127
State Farm2WD 4 Door Sedan Automatic Turbo$1,371
Progressive2WD 4 Door Sedan Automatic Turbo$1,429
Nationwide2WD 4 Door Sedan Automatic Turbo$1,868
Farmers2WD 4 Door Sedan Automatic Turbo$2,593
Allstate2WD 4 Door Sedan Automatic Turbo$2,724

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.

CityAnnual insurance premium
Arlington Heights
$1,484
Aurora
$1,476
Chicago
$1,930
Joliet
$1,574

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.

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.

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