Average Car Insurance Cost in Illinois (2024)

Illinois drivers pay an average monthly car insurance rate of $79 for liability-only coverage and $184 for full coverage, much less than the national averages of $104 for liability coverage and $214 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.

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Liability coverage quotes start at $28 per month

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What’s the average cost of car insurance in Illinois?

Prairie State drivers pay an average of $79 per month for a minimum-coverage policy. For a full-coverage policy, the cost is $184 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.

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 $108 per month for car insurance.^[3] In contrast, drivers in the more densely populated Chicago face higher crime rates and pay $155 per month for insurance.^[4] 

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

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.

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.

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.

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Full-coverage quotes start at $46 per month

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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.

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.

Illinois car insurance FAQs