How Much Is Car Insurance in Illinois? (2026)
Drivers in Illinois pay an average of $1,457 per year for car insurance.
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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Updated
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Quick Facts
The average monthly cost of car insurance in Illinois is $121.
Auto-Owners is the cheapest car insurance company in Illinois, with an average monthly rate of $40.
lnsurify expects Illinois car insurance rates to increase slightly in 2026.
How much is car insurance in Illinois?
The average car insurance premium in Illinois is $121 per month. Illinois drivers pay a monthly average of $82 for liability-only coverage and $161 for full-coverage insurance. Premiums in Illinois are lower than the U.S. national average of $142 per month.
Drivers in Illinois pay less for car insurance than their neighbors in Missouri. But average car insurance rates in Illinois are much higher than in Wisconsin.
The table below shows average monthly and yearly rates for full-coverage and liability-only insurance in Illinois.
Coverage Type | Average Monthly Quote | Average Annual Quote |
|---|---|---|
| State-minimum coverage | $82 | $983 |
| Full coverage | $161 | $1,930 |
Disclaimer: Table data is based on real-time Illinois quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Minimum car insurance requirements in Illinois
Illinois requires drivers to have at least 25/50/20 of liability coverage.[1] Liability-only insurance covers medical bills, lost wages, and vehicle repairs you cause to others in an accident, but not your own. The table below shows Illinois’ minimum-coverage requirements.
Coverage Type | Illinois Minimum Requirement |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
| Uninsured motorist | $25,000 per person / $50,000 per accident |
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Cheapest car insurance companies in Illinois
Liability insurance is the cheapest car insurance in Illinois because it offers limited protection. But most drivers can benefit from a full-coverage policy. Full coverage is more expensive, but it covers damage to your vehicle. It usually includes coverage for damage from tornadoes and flooding, two of the state’s biggest natural disaster risks.
The following table shows the cheapest average car insurance rates in Illinois.
The below rates in Illinois are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $40 |
| State Farm | $44 |
| Certainly | $55 |
| Progressive | $58 |
| Country Financial | $61 |
| Direct Auto | $62 |
| The General | $63 |
| GEICO | $64 |
| Erie | $67 |
| First Chicago | $67 |
| USAA | $71 |
| GAINSCO | $75 |
| Safeco | $75 |
| American Family | $76 |
| Mercury | $76 |
| Bristol West | $78 |
| National General | $79 |
| Freedom National | $87 |
| Elephant | $90 |
| Clearcover | $92 |
| Dairyland | $93 |
| First Acceptance | $94 |
| Insurify Car | $94 |
| Travelers | $97 |
| Farmers | $104 |
| Root | $105 |
| Liberty Mutual | $107 |
| Allstate | $109 |
| Mendota | $109 |
| Hugo | $112 |
| State Auto | $137 |
Disclaimer: Table data sourced from real-time Illinois car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Illinois may vary based on the policy buyer's unique driver profile.
Average Illinois car insurance rates by city
Car insurance premiums in Illinois can vary significantly from city to city. Chicago has the highest rates, averaging $111 per month for minimum coverage and $228 for full coverage.
Chicago has heavy traffic congestion, making accidents much more likely than in other areas. The city saw 108,000 accidents in 2025, according to the Chicago Health Atlas.[2]
Bloomington has some of the cheapest car insurance in Illinois, with average monthly premiums of $74 for liability-only coverage and $132 for full coverage. It has a relatively small population, and Bloomington drivers travel fewer miles per year than the statewide average.
Below, you can see the average car insurance cost in Illinois by city.
City | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Chicago | $111 | $228 |
| Aurora | $87 | $157 |
| Naperville | $81 | $145 |
| Joliet | $91 | $165 |
| Rockford | $81 | $152 |
| Elgin | $89 | $154 |
| Springfield | $86 | $164 |
| Peoria | $82 | $156 |
| Champaign | $74 | $141 |
| Waukegan | $85 | $157 |
| Cicero | $106 | $212 |
| Bloomington | $74 | $132 |
| Schaumburg | $80 | $163 |
| Evanston | $85 | $167 |
| Decatur | $74 | $143 |
Disclaimer: Table data is based on real-time Illinois quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Average Illinois car insurance rates by age
Age is one of the main factors that affects your car insurance rates in Illinois.[3] Teens typically pay higher rates because they have less driving experience. Rates tend to drop as you age.
Teen drivers in Illinois pay an average of $165 per month for minimum coverage and $324 for full coverage.
Older Illinois drivers pay less for coverage. The average liability rate for seniors in Illinois is $68 per month, while full-coverage insurance averages $134.
The table below shows average rates in Illinois by driver age.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Teens | $165 | $324 |
| Adults (40s) | $83 | $163 |
| Seniors | $68 | $134 |
Disclaimer: Table data is based on real-time Illinois quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How your driving record affects car insurance rates in Illinois
Drivers in Illinois with a clean driving record usually pay the lowest premiums. But people with tickets or at-fault accidents pay higher rates.
Nearly 4% of Illinois drivers have a speeding ticket on their record, according to Insurify data. Speeding tickets raise premiums by an average of 29% in Illinois.
A driving under the influence (DUI) conviction increases your premium by more than 40%. Penalties for drunk driving in Illinois include a one-year license suspension, a $2,500 fine, and jail time.[4]
The table below shows average rates for Illinois drivers with different records.
Driving Record | Average Monthly Quote in IL | % Increase Compared to Clean Driving Record |
|---|---|---|
| Clean driving record | $121 | N/A |
| With speeding ticket | $156 | 29% |
| With accident | $167 | 38% |
| With DUI | $171 | 41% |
Disclaimer: Table data is based on real-time Illinois quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
What affects car insurance rates in Illinois?
Several factors increase car insurance rates in Illinois, including:
Tornadoes: Illinois averages 54 tornadoes per year, according to the Illinois state climatologist.[5] But tornadoes have increased in number and severity lately, with 126 tornadoes hitting the state in 2025.
Vehicle theft: Illinois ranks No. 3 in the U.S. for vehicle thefts. Thieves stole more than 28,000 vehicles in Illinois in 2025, according to the National Insurance Crime Bureau.[6]
Uninsured drivers: More than 15% of Illinois drivers don’t have car insurance, according to the Insurance Information Institute.[7] The state ranks No. 17 for the most uninsured drivers in the U.S.
Flooding: Floods are the most common natural disaster in Illinois. About 15% of the state’s total land is susceptible to flooding from heavy rains or river overflows.[8]
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How Illinois car insurance rates have changed over the past five years
Car insurance premiums in Illinois have increased dramatically over the past five years. Between 2021 and 2026, rates rose by 54%, according to Insurify data.
In January 2021, the average annual rate in Illinois was $1,211. Annual premiums peaked in January 2025 at $2,036, then fell to $1,860 in January 2026.
One of the main causes of rising auto insurance rates in Illinois is the increased frequency of severe weather. The number of tornadoes in Illinois has risen significantly since 2023. Annual precipitation has also increased by six inches between 1895 and 2019.[9]
Average Illinois Car Insurance Rates Over the Past Five Years
State Name | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Illinois | 1,190 | 1,184 | 1,187 | 1,192 | 1,195 | 1,197 | 1,200 | 1,202 | 1,205 | 1,206 | 1,214 | 1,217 | 1,231 | 1,253 | 1,276 | 1,301 | 1,347 | 1,372 | 1,410 | 1,460 | 1,527 | 1,592 | 1,633 | 1,671 | 1,722 | 1,782 | 1,848 | 1,896 | 1,958 | 2,003 | 2,037 | 2,074 | 2,088 | 2,060 | 2,046 | 2,042 | 2,035 | 2,052 | 2,031 | 2,029 | 2,019 | 1,989 | 1,942 | 1,906 | 1,872 | 1,845 | 1,844 | 1,853 | 1,859 | 1,864 | 1,885 | 1,899 | 1,912 | 1,930 |
| United States | 1,568 | 1,572 | 1,577 | 1,591 | 1,602 | 1,608 | 1,612 | 1,618 | 1,624 | 1,632 | 1,640 | 1,650 | 1,666 | 1,689 | 1,719 | 1,758 | 1,802 | 1,850 | 1,887 | 1,919 | 1,956 | 1,983 | 2,006 | 2,036 | 2,076 | 2,128 | 2,194 | 2,240 | 2,300 | 2,343 | 2,370 | 2,391 | 2,387 | 2,374 | 2,370 | 2,363 | 2,353 | 2,367 | 2,367 | 2,366 | 2,356 | 2,342 | 2,317 | 2,285 | 2,257 | 2,228 | 2,214 | 2,221 | 2,222 | 2,224 | 2,232 | 2,238 | 2,236 | 2,237 |
See More
To find car insurance rates in Illinois and the U.S. over the last five years, download our data here.
How to lower car insurance costs in Illinois
Here are some tips to help you save money on your car insurance in Illinois:
Research regional insurers. Regional insurance companies, like COUNTRY Financial, Erie, and Safeway Insurance, may offer lower rates than national insurers.
Consider the Illinois Automobile Insurance Plan (ILAIP). The ILAIP provides car insurance to high-risk Illinois drivers. You can get coverage through the ILAIP if you can’t find insurance with a private company because of your driving record, credit history, vehicle, or other factors.
Look for discounts. Many of the best car insurance companies in Illinois offer discounts that can reduce your premium. Insurers usually offer discounts for bundling policies, insuring a new car, installing anti-theft devices, or completing a defensive driving course.
Raise your deductibles. Most Illinois drivers can benefit from a full-coverage policy, but those are usually more expensive. That said, you can increase your deductible to help lower your premium. Just make sure you can afford the extra cost if you file a claim.
Compare quotes. Rates can vary by insurer, even for the same coverage. To find the cheapest coverage, compare car insurance quotes from several insurers.
Illinois average car insurance cost FAQs
Here’s some additional information to help you understand average car insurance costs and coverage requirements in Illinois.
How much does car insurance cost per month in Illinois?
Car insurance in Illinois costs an average of $121 per month. Full coverage averages $161 per month, and state-minimum coverage averages $82, according to Insurify data. But your rates depend on factors like your age, ZIP code, insurer, and driving history.
What company has the cheapest car insurance in Illinois?
Auto-Owners has the cheapest car insurance in Illinois, based on Insurify data. The company’s liability rates average $40 per month. That said, how much you pay for car insurance depends on several factors, including your location, driving record, and coverage choices.
What are Illinois car insurance laws?
Illinois requires drivers to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $20,000 of property damage liability coverage. Drivers must also have uninsured motorist coverage.
Sources
- Illinois Secretary of State. "Mandatory Vehicle Insurance."
- Chicago Health Atlas. "Traffic Crashes."
- Illinois Department of Insurance. "Auto Insurance Shopping Guide."
- Illinois State Police. "Impaired Driving."
- Illinois State Climatologist. "Tornadoes in Illinois."
- National Insurance Crime Bureau. "U.S. Vehicle Thefts Experience Historic Decline."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Illinois Department of Natural Resources. "The National Flood Insurance Program (NFIP)."
- Illinois Department of Natural Resources. "Changing Rainfall Patterns."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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.
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969