Average Car Insurance Cost in Illinois (2024)

Drivers in Illinois pay $128 per month, on average, for car insurance.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 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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Danny Smith
Edited byDanny Smith
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Danny 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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Updated March 1, 2024 at 11:00 AM PST

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Illinois drivers pay an average monthly car insurance rate of $78 for liability-only coverage and $177 for full coverage, much less than the national averages of $103 for liability coverage and $210 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 $2,124 per year.

  • Drivers in Elgin and Peoria tend to enjoy especially cheap liability rates, at $25 and $27 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 $78 per month for a minimum-coverage policy. For a full-coverage policy, the cost is $177 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: Friday, March 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
Auto-Owners2848
State Farm3152
GEICO4169
Hugo4181
COUNTRY Financial4373
Erie4779
Mile Auto4967
USAA5085
American Family5491
Safeco57113
Mercury59100
Nationwide60114
Clearcover62102
Travelers69107
Farmers73124
Allstate77129
Direct Auto78138
Midvale Home & Auto79136
Dairyland81207
State Auto83164
GAINSCO86186
Elephant90160
The General94246
Liberty Mutual95153
Bristol West106253
Foremost136307
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 $105 per month for car insurance.[3] In contrast, drivers in the more densely populated Chicago face higher crime rates and pay $153 per month for insurance.[4] 

Explore the average cost of auto insurance in different Illinois below.

CityAverage Monthly Quote
Aurora$126
Berwyn$129
Chicago$153
Cicero$151
Decatur$105
Elgin$114
Joliet$119
Naperville$117
Peoria$124
Rockford$111
Springfield$122
Waukegan$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.

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.

AgeMaleFemale
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 RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$78$177
With accident$118$269
With speeding ticket$115$261
With DUI$134$304
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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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 StatusAverage Quote: Liability OnlyAverage 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 TierAverage Quote: Liability OnlyAverage 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 $128 per month. Drivers pay an average of $78 per month for a liability-only policy and $177 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 $28. 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 $41.

    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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

  1. Insurance Institute for Highway Safety. "Fatality Facts 2021 - State by state." Accessed October 10, 2023
  2. FEMA.gov. "Illinois." Accessed October 10, 2023
  3. Census.gov. "U.S. Census Bureau QuickFacts: Decatur city, Illinois." Accessed October 10, 2023
  4. Chicago Police Department. "CompStat." Accessed October 10, 2023
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed October 10, 2023
  6. Illinois Department of Insurance. "Credit - How Insurers Use It." Accessed October 10, 2023
  7. Illinois Department of Insurance. "Mandatory Vehicle Insurance." Accessed October 10, 2023
Sarah Sharkey
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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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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