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Illinois Average Cost of Car Insurance Rates (2022)

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Courtney Roy

By: Courtney Roy

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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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 than 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.

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 CompaniesQuotes
State Farm$69

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.

CityAvg. Monthly Rate
Des Plaines$150

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.

AgeAvg. Monthly Rate

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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.

GenderAvg. Monthly Rate

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 StatusAvg. Monthly Rate

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.


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 HistoryAvg. Monthly Rate

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 HistoryAvg. Monthly Rate
No Violation$172
At-Fault Accident$203

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

  • 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.

  • 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.

  • 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.

  • 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.

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.

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