Average Cost of Car Insurance Rates in Illinois (2021)

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How Much Does Car Insurance Cost In Illinois?

On average, car insurance rates for drivers in Illinois are $180 per month, and $2161 per year. The average rates make Illinois the 34th most expensive state in the country for car insurance rates and 24% less expensive then the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $18050%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Illinois Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Illinois and has selected the following providers and quotes as the best rates for drivers in Illinois.

Cheapest Companies
$39/mo
allstate
$60/mo
state-farm
$69/mo
nationwide
$89/mo
travelers
$92/mo

Illinois Car Insurance Rates by City

For drivers in Illinois, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Illinois.
City
Aurora$158
Champaign$136
Chicago$180
Des Plaines$150
Elgin$172
Joliet$164
Naperville$144
Peoria$139
Rockford$140
Springfield$135

What Is the Average Cost of Car Insurance in Illinois by Age?

Teenagers who work part-time between high school and extracurriculars should be able to afford the Illinois average for their age category of $315 in monthly car insurance costs. Young adults, who tend to have increased driving experience, pay more than $100 less than teenage drivers.

A decade or two later, your average monthly rate drops to $25 below the state average. By the time drivers hit pre-retirement, they’re saving nearly $50 over the average monthly cost, or a $600 savings per year. Drivers in their 70s see the lowest rates, and there’s an incremental rise in average costs for those in their 80s.

Age
Teens$315
20s$199
30s$148
40s$155
50s$154
60s$130
70s$126
>80s$138

What Is the Average Cost of Car Insurance in Illinois by Gender?

Men pay six percent more than women in the Prairie State, shelling out an average of $186 per month. That’s because women are statistically safer drivers than men, particularly men below 30. Because women tend to get into slightly fewer accidents, they generally pay a little less for car insurance.

Gender
Male$186
Female$175

Does Marital Status Influence the Average Cost of Car Insurance in Illinois?

Saving $360 a year might be one more reason to get down on one knee. Illinois married drivers pay an average of $30 a month less on car insurance than their single counterparts.

That pays for a month of a Netflix subscription, with perhaps even a little left over for an in-home date. Who knew car insurance could be so romantic?

Marital Status
Married$158
Single$188

What Are the Minimum Car Insurance Requirements in Illinois?

Illinois requires quite a bit of coverage for its state minimum. The law says you must have $25,000 in bodily injury liability per person and $50,000 per accident, $20,000 in property damage liability per accident, and $25,000 in uninsured/underinsured motorist bodily per person and $50,000 per accident. Add comprehensive and collision coverage to protect your vehicle itself.

illinois

How Does Credit History Affect Illinois Car Insurance Rates?

Illinois sees only a dollar difference in average car insurance costs between those with poor, average, and good credit. The state allows insurance companies to use credit as a rating factor, but it doesn’t cause significant differences in average costs at the three lowest credit levels.

Once Illinois drivers hit excellent credit, a score of 800 or above, they save an average of about $25 a month. That means an average of $300 in savings per year.

Credit History
Poor$179
Average$180
Good$180
Excellent$153

What Is the Average Cost of Car Insurance in Illinois for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Illinois will pay $9 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $30. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving History
No Violation$172
At-Fault Accident$203
Speeding$181

Tips for Researching Illinois Car Insurance Rates

In the Prairie State, your price and policy differ by location, company, and car. Illinois shrunk a little recently, with a reduction in population of 51,000 people in 2019. But that doesn't mean the traffic will slow down any time soon.

Try Insurify's comparison tool to stack up 10+ real quotes and unlock savings and discounts. In less than two minutes, you can find the coverage you deserve at a price you can afford.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.

Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

See All Auto Insurance Companies

FAQs - Illinois Car Insurance

Why is car insurance so expensive in Illinois?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Illinois?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Illinois. Insurify analyzed the latest data for the five most populous cities in Illinois to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Illinois?

'The way to find the carrier with the best auto insurance ratings in Illinois and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you''re a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.'

How much do annual auto insurance rates increase in Illinois?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.