Average Car Insurance Cost in Illinois (2024)
Drivers in Illinois pay $131 per month, on average, for car insurance.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Updated October 30, 2024
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Table of contents
Illinois drivers pay an average monthly car insurance rate of $79 for liability-only coverage and $183 for full coverage, much less than the national averages of $104 for liability coverage and $211 for full coverage.
Illinois’ low rates could be due to multiple factors, such as its below-average number of fatal crashes or the relatively minimal number of natural disasters that Illinois drivers must contend with each year.[1] [2]
The amount you pay for car insurance will vary based on factors like your age, driving record, and location. To lock in the best auto insurance rates, drivers should compare car insurance quotes from multiple insurance companies.
Here’s what you should know about average car insurance costs in Illinois.
Quick Facts
Full-coverage car insurance in Illinois costs an average of $2,195 per year.
Drivers in Elgin and Peoria tend to enjoy especially cheap liability rates, at $27 and $28 per month.
Illinois is an at-fault state for car insurance.
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What’s the average cost of car insurance in Illinois?
Prairie State drivers pay an average of $79 per month for a minimum-coverage policy. For a full-coverage policy, the cost is $183 per month.
Premiums for liability-only coverage are more affordable than those for a full-coverage policy. However, a full-coverage policy offers more financial protection because it includes collision coverage and comprehensive coverage. Ultimately, the amount you’ll pay for coverage varies based on your situation and the auto insurance company you choose to work with.
The following table shows average monthly quotes for Illinois drivers from top insurers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $29 | $52 |
| State Farm | $31 | $56 |
| GEICO | $42 | $75 |
| COUNTRY Financial | $44 | $78 |
| Progressive | $45 | $107 |
| Mile Auto | $46 | $70 |
| Erie | $48 | $85 |
| USAA | $51 | $91 |
| American Family | $55 | $98 |
| Mercury | $61 | $107 |
| Nationwide | $65 | $116 |
| Direct Auto | $68 | $148 |
| Travelers | $70 | $125 |
| Clearcover | $71 | $112 |
| Farmers | $75 | $133 |
| National General | $77 | $166 |
| Allstate | $78 | $139 |
| Safeco | $82 | $123 |
| Dairyland | $88 | $240 |
| Elephant | $94 | $171 |
| GAINSCO | $94 | $234 |
| The General | $98 | $261 |
| State Auto | $98 | $173 |
| Bristol West | $102 | $255 |
| Liberty Mutual | $128 | $241 |
| Foremost | $142 | $329 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Illinois car insurance rates by city
When car insurance companies determine your premiums, they take your location into account. The average costs of auto insurance vary from city to city and even where you park your car. In general, drivers in cities with higher rates of accidents and theft pay more for insurance than drivers living in more rural areas.
For example, the approximately 70,000 residents of Decatur pay an average of $109 per month for car insurance.[3] In contrast, drivers in the more densely populated Chicago face higher crime rates and pay $160 per month for insurance.[4]
Explore the average cost of auto insurance in different Illinois below.
City ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Aurora | $127 |
| Berwyn | $136 |
| Chicago | $160 |
| Cicero | $157 |
| Decatur | $109 |
| Elgin | $123 |
| Joliet | $124 |
| Naperville | $118 |
| Peoria | $128 |
| Rockford | $118 |
| Springfield | $131 |
| Waukegan | $116 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Illinois car insurance rates by age
Insurance companies take your age into account when deciding on rates. A lack of experience behind the wheel usually means that teen drivers pay the most expensive car insurance premiums. The good news is that young drivers typically see rates drop around age 25.
The trend of lower rates continues for decades, but senior drivers often see rates rise slightly, especially once they reach their 70s.
The chart below illustrates the average rates for drivers of different age groups.
Rates by Age
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How gender affects car insurance rates in Illinois
Women generally get into fewer car accidents than men. Most insurance companies reward women for this statistical fact with lower car insurance rates than their male counterparts.[5] In Illinois, young males tend to pay the most for car insurance.
As the table below highlights, this trend holds true for drivers in Illinois.
Age ▲▼ | Male ▲▼ | Female ▲▼ |
|---|---|---|
| 16 | $300 | $245 |
| 35 | $143 | $134 |
| 50 | $113 | $111 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Illinois
A mistake on the road can turn into a blemish on your driving record. In general, traffic violations are red flags for auto insurance companies.
Insurers compensate for the increased risk by offering higher insurance premiums to drivers with incidents on their driving records. Drivers with a clean driving record tend to enjoy the best rates.
Common incidents include speeding tickets, driving under the influence (DUIs), and at-fault auto accidents. In the table below, you can see how one of these infractions might increase your insurance premiums.
Driver Record ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Clean record | $79 | $183 |
| With accident | $121 | $281 |
| With speeding ticket | $112 | $260 |
| With DUI | $137 | $317 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Illinois
Recent Illinois car insurance prices for Dodge, Honda, Toyota , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Average Illinois car insurance rates by marital status
Depending on your marital status, you might be able to earn more affordable auto insurance rates, as many insurance companies reward married couples with lower premiums. Insurance companies view married people as more stable, which comes with lower presumed risks.
Married drivers also may have multiple vehicles to insure and can take advantage of multi-vehicle and bundling discounts. Single drivers in Illinois can expect to pay a bit more for car insurance than their married counterparts.
Take a look at the average rates for both below.
Marital Status ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Single | $77 | $150 |
| Married | $69 | $136 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Illinois car insurance rates by credit tier
The state of Illinois allows insurance companies to consider your credit history when determining premiums.[6] While this isn’t the only factor, credit can have a big effect on your insurance premiums. In general, drivers with excellent or good credit pay less for car insurance than drivers with average or poor credit.
Below is a breakdown of the average car insurance quotes based on credit tier.
Credit Tier ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Excellent | $59 | $115 |
| Good | $69 | $136 |
| Fair | $76 | $149 |
| Poor | $118 | $231 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Illinois car insurance FAQs
Finding the right car insurance can be tricky. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Illinois.
What is the average cost of car insurance in Illinois?
The average cost of car insurance in Illinois is $131 per month. Drivers pay an average of $79 per month for a liability-only policy and $183 per month for full-coverage policies.
What is the cheapest car insurance in Illinois?
On average, drivers find the cheapest car insurance policies in Illinois through Auto-Owners, with a liability rate of only $29. State Farm is the second-cheapest insurer in Illinois, with a liability rate of just $31. GEICO is the third-cheapest insurer in Illinois, with a liability rate of just $42.
However, the cheapest insurer for you may be different, so it’s crucial to compare car insurance quotes before buying a policy.
Do car insurance rates vary by county in Illinois?
Yes. Car insurance rates in Illinois vary based on your county, city, and even where you park your car. Insurers consider things like vehicle theft across the city and use that data to determine how risky insuring you and your vehicle will be before determining your rate.
What are the best auto insurance companies in Illinois?
Some of the best auto insurance companies in Illinois include State Farm, USAA, and GEICO. All three insurers earned Insurify Quality (IQ) Scores over 4 out of 5 and boast strong financial strength ratings from AM Best, along with high customer satisfaction rates from J.D. Power.
What are the car insurance requirements in Illinois?
Illinois requires drivers to carry at least $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, $20,000 in property damage liability per accident, and $50,000 in uninsured motorist bodily injury liability insurance per accident. It’s illegal to drive on public roads in Illinois without these minimum coverages.[7]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Illinois
Sources
- Insurance Institute for Highway Safety. "Fatality Facts 2021 - State by state."
- FEMA.gov. "Illinois."
- Census.gov. "U.S. Census Bureau QuickFacts: Decatur city, Illinois."
- Chicago Police Department. "CompStat."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Illinois Department of Insurance. "Credit - How Insurers Use It."
- Illinois Department of Insurance. "Mandatory Vehicle Insurance."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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