Average Car Insurance Cost in Illinois (2025)
Drivers in Illinois pay an average of $124 per month for car insurance.
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Written byBen Luthi
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Ben Luthi
Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
The average monthly cost for car insurance in Illinois is $81 for liability-only insurance and $168 for full coverage. That’s lower than the national average of $105 for liability-only coverage and $197 for full coverage.
The lower rates could be due to multiple factors, such as Illinois’ below-average number of fatal crashes or the relatively minimal number of natural disasters that affect Illinois drivers. That said, average rates have increased in Illinois and throughout the country during the past two years.
Here’s what you should know about average car insurance costs in Illinois, including how to compare quotes.
Quick Facts
Chicago drivers pay the highest average rates in Illinois, while Decatur residents pay the lowest.
The average cost of full-coverage insurance in Illinois increased by 18% between 2023 and 2024.
Annually, Illinois drivers pay $967 for liability coverage and $2,017 for full-coverage insurance.
How much is car insurance in Illinois?
Prairie State drivers who purchase liability-only insurance pay an average monthly premium of $81, or an annual rate of $967. That average jumps to $168 per month, or $2,017 per year, for full coverage, which includes collision and comprehensive insurance.
Keep in mind that the rate you qualify for may be higher or lower than the state average. But comparing your quotes to that figure can help you determine whether you need to take further steps to save money.
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How Illinois car insurance rates have changed over the past two years
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To find car insurance rates in Illinois and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Illinois rose to $2,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Illinois.
See how Illinois car insurance prices have changed over the past two years below.
Average Illinois Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Illinois car insurance rates by city
Where you live can have a significant influence on your insurance premiums. In particular, drivers in different cities — or even ZIP codes — may face different accident, vehicle theft, and vandalism rates. If you live in an urban area, for example, you’ll generally pay more for car insurance than drivers in rural areas.[1]
Here’s a quick look at how auto insurance rates vary within the state of Illinois.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Decatur | $70 | $137 |
| Rockford | $73 | $145 |
| Naperville | $76 | $151 |
| Aurora | $77 | $148 |
| Peoria | $77 | $154 |
| Waukegan | $78 | $149 |
| Springfield | $80 | $168 |
| Joliet | $81 | $170 |
| Elgin | $83 | $161 |
| Cicero | $88 | $198 |
| Berwyn | $90 | $194 |
| Chicago | $98 | $221 |
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.
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Car Insurance Requirements in Illinois (2025)
Average Illinois car insurance rates by age and gender
Age and gender are two more factors that can affect what you pay for car insurance. For example, men typically have more car accidents than women, which results in higher average rates.
Additionally, younger drivers — particularly teenagers — usually have more accidents than older drivers with more experience. As a result, teen drivers are more expensive to insure.
Below, you can find average rates in Illinois by gender and age group.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $181 | $386 |
| 18 | $157 | $336 |
| 20 | $107 | $230 |
| 25 | $95 | $203 |
| 30 | $82 | $176 |
| 40 | $74 | $159 |
| 50 | $66 | $140 |
| 60 | $61 | $132 |
| 70+ | $66 | $139 |
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $167 | $357 |
| 18 | $145 | $310 |
| 20 | $99 | $212 |
| 25 | $87 | $187 |
| 30 | $76 | $162 |
| 40 | $68 | $147 |
| 50 | $60 | $130 |
| 60 | $57 | $122 |
| 70+ | $60 | $129 |
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 cost to insure popular vehicles in Illinois
Because different makes and models have varying repair costs, theft rates, safety records, and other features, drivers pay more to cover certain vehicles compared to others.
Here’s a look at the five most popular vehicles in the Prairie State and the average cost for a full-coverage insurance policy.
Vehicle | Average Monthly Quote |
|---|---|
| Honda CR-V | $148 |
| Tesla Model Y | $292 |
| Toyota RAV4 | $163 |
| Ford F-Series | $166 |
| Chevrolet Silverado | $176 |
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
While many broad risk factors can influence your monthly rate, your driving record is one factor within your control. Certain incidents — such as an accident, a speeding ticket, or driving under the influence (DUI) conviction — can result in a significant rate increase compared to drivers with clean records.
Below, you can compare average monthly full-coverage rates for a sample driver profile with an incident on their record versus average full-coverage rates for drivers without infractions.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $260 | 52% |
| With speeding ticket | $236 | 38% |
| With DUI | $294 | 72% |
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 is one of many U.S. states that allow insurers to use a credit-based insurance score to help determine your rate. But insurance companies can’t use your credit as the only factor to decide what you pay.[2]
Here’s a better look at how your credit standing can influence average rates for coverage.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $84 $179 Good $76 $162 Fair $76 $162 Poor $90 $192 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.
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How to lower your insurance costs in Illinois
Understanding what insurers consider when determining your rates can give you an advantage as you seek to maximize your savings on an insurance policy. Whether you’re looking for just the Illinois minimum required coverage or you want more protection, here are some tips to help you earn a better rate:
Shop around
Each insurance company has its own process for determining rates, so comparing quotes from multiple insurers can help improve your odds of finding the best possible deal on car insurance.
Focus on discounts
Many insurers offer car insurance discounts that can help reduce your premiums. Depending on your situation, one insurer may offer more savings than another, so pay special attention to discount opportunities as you shop around and compare quotes.
Get the right amount of coverage
Deciding how much car insurance you need can be tricky because you want to find a balance between costs and protection. Although it’s usually best to get more than the state-minimum coverage, it can be easy to buy more than you need. Take your time to evaluate your needs and budget to determine the right coverage options and amounts.
Raise your deductible
Deductibles are an out-of-pocket cost if you get in a car accident, so it might be tempting to keep them low. But increasing your deductible can reduce your monthly rate. To determine the right amount, review your budget to see what you can afford to pay in the event of a claim.
Improve your credit
Addressing potential issues may help you qualify for lower insurance premiums in the future if you have a poor credit history.
Practice good driving habits
Some insurance companies may offer potential savings if you agree to let them track your driving for a set period of time, either through a mobile app or a plug-in telematics device. If you consider yourself a safe driver, it may be worth it.[3]
Illinois average car insurance cost FAQs
The following information can help answer your remaining questions about car insurance in the Prairie State.
On average, Illinois drivers pay an annual premium of $967 for liability-only insurance and $2,017 for full coverage.
Keep in mind that your actual rate will depend on several variables — such as your location, driving record, driving habits, vehicle, age, gender, credit history, and coverage amounts.
Auto-Owners offers the least expensive rates for Illinois drivers. On average, the insurer charges $32 per month for liability-only insurance. But it’s a good idea to compare quotes to ensure you get cheap car insurance.
The average monthly premium for Illinois residents is $81 for liability-only coverage and $168 for full coverage.
The best car insurance companies in Illinois include State Farm, Auto-Owners Insurance, USAA, Allstate, and COUNTRY Financial, according to Insurify research.
Illinois minimum coverage includes both bodily injury and property damage liability coverage. The Illinois state minimum includes bodily injury liability coverage of $25,000 per person and $50,000 per accident, as well as $20,000 in property damage coverage.[4]
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.
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Illinois Department of Insurance. "Credit - How Insurers Use It."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Illinois Office of the Secretary of State. "Mandatory Vehicle Insurance."
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Ben Luthi
Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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