The cost of car insurance in Illinois varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Automobile Club MI (AAA) offers the cheapest rates at $979 a year for full coverage.
This guide makes buying car insurance in Illinois easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Illinois works and how much coverage you need.
- Automobile Club MI (AAA) provides the most affordable annual rates for full coverage car insurance in Illinois, at $979 per year.
- In Illinois, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- Minimum liability coverage in Illinois costs around $421 annually for limits of 25/50/20, while liability-only coverage costs $471 per year for limits of 50/100/50.
- In Illinois, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 38%, a DUI raising rates by 74%, and an at-fault accident by up to 53%.
How much is car insurance in Illinois?
CarInsurance.com data found that drivers in Illinois pay $128 monthly for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in Illinois by coverage level
Car insurance costs in Illinois can differ based on the coverage limit. To legally drive, Illinois residents must adhere to the minimum liability limits of 25/50/20.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Illinois, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Illinois for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $35 | $421 |
| Liability Only – 50/100/50 BI/PD | $39 | $471 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $128 | $1,532 |
State minimum car insurance in Illinois
Illinois’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $20,000 in property damage liability.
In Illinois, you can get state minimum car insurance for $421 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Illinois must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Illinois
Liability-only car insurance costs $471 in Illinois for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Illinois
On average, premiums for full coverage car insurance in Illinois cost $1,532 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Illinois
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Illinois have to pay more than those living where the risks are lower.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Illinois car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Illinois by car model
Car insurers in Illinois use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Illinois.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Illinois
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Illinois drivers aged 30 to 60 have the lowest average auto insurance rates at $1,501 annually.
Illinois drivers aged 16-19 pay $3,213 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,714 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,373 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,501 per year in Illinois.
- For senior drivers: Drivers age 65 and older can expect to pay $1,511 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Illinois
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Illinois, a DUI conviction lead to increased rates and you may see a rate hike of up to 74% as insurers categorize you as a high-risk driver.
If you get caught speeding in Illinois, your car insurance rates will increase by 38% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Illinois following driving incidents:
- Speeding ticket: Up to 38% increase
- DUI conviction: 74% increase
- At-fault accident (bodily injury and property damage): 53% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Illinois for high-risk drivers
High-risk drivers in Illinois pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Auto Club Group - ACG (AAA) | $1,258 |
| Travelers | $1,673 |
| USAA | $1,745 |
| Auto-Owners | $1,825 |
| State Farm | $1,881 |
| Erie Insurance | $2,015 |
| Geico | $2,039 |
| Progressive | $2,238 |
| Allstate | $5,071 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Illinois
In Illinois, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Begin your search for the top car insurance policy in Illinois by getting quotes from multiple insurance providers and comparing them.
Below are the details of Illinois car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Automobile Club MI (AAA) | $461 | $450 | $979 |
| Travelers | $415 | $468 | $1,119 |
| Geico | $298 | $372 | $1,178 |
| Progressive | $536 | $588 | $1,412 |
| Auto-Owners | $318 | $365 | $1,426 |
| Erie Insurance | $320 | $360 | $1,489 |
| Country Financial | $341 | $366 | $1,609 |
| State Farm | $410 | $482 | $1,633 |
| Allstate | $640 | $724 | $2,742 |
| USAA | $482 | $543 | $1,745 |
Car insurance rates by city in Illinois
Calumet City is Illinois’s most expensive city for car insurance at an average cost of $2,108 annually. Bloomington is the state’s least expensive city, with an average car insurance rate of $1,331 annually.
Car insurance costs differ from city to city in Illinois, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Illinois’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Auto Club Group - ACG (AAA) | $934 |
| Travelers | $1,123 |
| Geico | $1,153 |
| Auto-Owners | $1,332 |
| Erie Insurance | $1,332 |
| Progressive | $1,484 |
| Country Financial | $1,502 |
| State Farm | $1,551 |
| USAA | $1,690 |
| Allstate | $2,744 |
How much does car insurance cost in Illinois per month?
Car insurance in Illinois costs an average of $128 a month for a full coverage policy with limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $35 |
| Liability Only – 50/100/50 BI/PD | $39 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $128 |
Final thoughts on choosing car insurance in Illinois
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Illinois. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/20.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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