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Average cost of car insurance in Illinois in 2024
Illinois drivers pay an average of $682 for minimum and $2,316 for full coverage.
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How much is car insurance in Illinois?
In Illinois, the average car insurance cost reflects a blend of affordability and comprehensive protection. Based on Bankrate's analysis of data from Quadrant Information Services, Illinois drivers pay an average of $682 annually for minimum coverage and $2,316 if opting for full coverage. These rates stand below the national averages, suggesting a favorable insurance landscape for Illinois drivers. As costs fluctuate based on a multitude of factors, Bankrate harnesses extensive industry knowledge, providing a robust perspective on Illinois car insurance rates to help motorists navigate their coverage options effectively.
Key takeaways
- Illinois drivers can expect an average monthly payment of $193 for full coverage and $57 for minimum coverage.
- Drivers with a speeding ticket in Illinois may pay 25 percent more than the state average full coverage premium.
- An at-fault accident in Illinois results in a 45 percent more than average premium increase, while a DUI conviction nearly doubles, with an 82 percent more than average premium surge.
- Drivers with a poor credit history pay 73 percent more than average Illinois insurance costs; drivers with excellent credit history pay 15 percent less on average.
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Illinois car insurance rates by city
The Illinois city you live in can affect how much you pay for car insurance. Besides personal factors, population density, weather conditions, crime statistics and claim data can also affect your premium from city to city. We compared 10 of the largest cities in Illinois to illustrate the difference in premiums. Belleville has the cheapest average full coverage rates while Chicago has the most expensive.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|---|
Alsip | $184 | $2,211 | -5% |
Chicago | $213 | $2,556 | +10% |
Lincolnwood | $194 | $2,330 | +1% |
Niles | $177 | $2,130 | -8% |
Evergreen Park | $189 | $2,265 | -2% |
Belleville | $173 | $2,078 | -11% |
Harwood Heights | $202 | $2,418 | +4% |
Elmwood Park | $219 | $2,632 | +13% |
Forest Park | $197 | $2,359 | +2% |
Country Club Hills | $190 | $2,278 | -2% |
University Park | $178 | $2,133 | -8% |
Brookfield | $168 | $2,022 | -14% |
Chicago Heights | $197 | $2,360 | +2% |
Venice | $216 | $2,587 | +11% |
East Saint Louis | $218 | $2,619 | +12% |
Roxana | $173 | $2,077 | -11% |
Homewood | $185 | $2,226 | -4% |
East Alton | $171 | $2,053 | -12% |
Berwyn | $205 | $2,461 | +6% |
Skokie | $191 | $2,287 | -1% |
Wood River | $172 | $2,059 | -12% |
Broadview | $200 | $2,404 | +4% |
Caseyville | $184 | $2,208 | -5% |
Evanston | $173 | $2,080 | -11% |
Oak Park | $199 | $2,393 | +3% |
Morton Grove | $178 | $2,131 | -8% |
Oak Lawn | $177 | $2,118 | -9% |
Oak Forest | $174 | $2,089 | -10% |
Alton | $176 | $2,110 | -9% |
Matteson | $192 | $2,307 | -0% |
East Carondelet | $177 | $2,121 | -9% |
Melrose Park | $198 | $2,376 | +3% |
Granite City | $180 | $2,161 | -7% |
Hartford | $179 | $2,153 | -7% |
Madison | $214 | $2,570 | +10% |
Glenwood | $196 | $2,355 | +2% |
National Stock Yards | $212 | $2,546 | +9% |
Lovejoy | $221 | $2,655 | +14% |
Dupo | $174 | $2,086 | -10% |
Des Plaines | $172 | $2,066 | -11% |
South Roxana | $174 | $2,091 | -10% |
Palos Heights | $168 | $2,015 | -14% |
Bedford Park | $197 | $2,360 | +2% |
Bellwood | $207 | $2,480 | +7% |
Palos Park | $171 | $2,053 | -12% |
Richton Park | $191 | $2,297 | -1% |
Riverside | $171 | $2,051 | -12% |
Hines | $198 | $2,381 | +3% |
Hometown | $183 | $2,196 | -5% |
Olympia Fields | $187 | $2,244 | -3% |
Steger | $189 | $2,269 | -2% |
Thornton | $195 | $2,344 | +1% |
Palos Hills | $173 | $2,079 | -11% |
Willow Springs | $170 | $2,036 | -13% |
Chicago Ridge | $181 | $2,169 | -7% |
Lansing | $191 | $2,292 | -1% |
Bridgeview | $187 | $2,238 | -3% |
Hillside | $172 | $2,063 | -12% |
Hazel Crest | $203 | $2,436 | +5% |
Golf | $172 | $2,064 | -12% |
Berkeley | $180 | $2,164 | -7% |
Park Ridge | $172 | $2,067 | -11% |
Maywood | $211 | $2,527 | +9% |
Schiller Park | $192 | $2,308 | -0% |
Franklin Park | $190 | $2,281 | -2% |
Hickory Hills | $179 | $2,142 | -8% |
South Holland | $198 | $2,375 | +2% |
Justice | $188 | $2,254 | -3% |
River Grove | $194 | $2,333 | +1% |
Stone Park | $207 | $2,485 | +7% |
River Forest | $187 | $2,243 | -3% |
Flossmoor | $187 | $2,241 | -3% |
Midlothian | $179 | $2,153 | -7% |
Park Forest | $188 | $2,258 | -3% |
Summit Argo | $190 | $2,283 | -1% |
Burbank | $184 | $2,210 | -5% |
Worth | $179 | $2,144 | -8% |
Lyons | $170 | $2,036 | -13% |
Average car insurance costs by age and gender in Illinois
In Illinois, age is a significant determinant in the average cost of car insurance, with younger drivers typically facing higher premiums. It's important to note that while Illinois drivers may see their rates stabilize between the ages of 30 to 60, premiums tend to increase again as drivers enter their 70s. However, in states such as Hawaii and Massachusetts, age isn’t a contributing factor in insurance premiums.
Gender also plays a role in the state, with male drivers often paying slightly more due to the higher risk they present, as evidenced by various statistical data. However, this factor does not influence rates in certain states like California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania.
In the tables showcasing rates by gender, rates represent average cost for individuals who hold their own insurance policies while rates for young drivers reflect rates for drivers on their parents’ policy. Both tables provide a snapshot of how these two factors can influence the overall insurance costs in Illinois.
Age | Average annual full coverage premium in IL | Average minimum coverage premium in IL |
---|---|---|
Age 16*
|
Average annual full coverage premium in IL
$5,501
|
Average minimum coverage premium in IL
$1,857
|
Age 18
|
Average annual full coverage premium in IL
$8,563
|
Average minimum coverage premium in IL
$2,684
|
Age 20
|
Average annual full coverage premium in IL
$6,346
|
Average minimum coverage premium in IL
$1,836
|
Age 25
|
Average annual full coverage premium in IL
$3,059
|
Average minimum coverage premium in IL
$861
|
Age 30
|
Average annual full coverage premium in IL
$2,522
|
Average minimum coverage premium in IL
$713
|
Age 40
|
Average annual full coverage premium in IL
$2,339
|
Average minimum coverage premium in IL
$679
|
Age 50
|
Average annual full coverage premium in IL
$2,169
|
Average minimum coverage premium in IL
$649
|
Age 60
|
Average annual full coverage premium in IL
$2,088
|
Average minimum coverage premium in IL
$635
|
Age 70
|
Average annual full coverage premium in IL
$2,314
|
Average minimum coverage premium in IL
$751
|
Age | Average annual full coverage premium in IL | Average minimum coverage premium in IL |
---|---|---|
Age 16*
|
Average annual full coverage premium in IL
$4,967
|
Average minimum coverage premium in IL
$1,701
|
Age 18
|
Average annual full coverage premium in IL
$7,347
|
Average minimum coverage premium in IL
$2,415
|
Age 20
|
Average annual full coverage premium in IL
$5,306
|
Average minimum coverage premium in IL
$1,635
|
Age 25
|
Average annual full coverage premium in IL
$2,796
|
Average minimum coverage premium in IL
$832
|
Age 30
|
Average annual full coverage premium in IL
$2,443
|
Average minimum coverage premium in IL
$719
|
Age 40
|
Average annual full coverage premium in IL
$2,293
|
Average minimum coverage premium in IL
$686
|
Age 50
|
Average annual full coverage premium in IL
$2,143
|
Average minimum coverage premium in IL
$649
|
Age 60
|
Average annual full coverage premium in IL
$2,062
|
Average minimum coverage premium in IL
$633
|
Age 70
|
Average annual full coverage premium in IL
$2,269
|
Average minimum coverage premium in IL
$736
|
Bankrate’s take: Statistically, males are often found to be involved in more accidents and engage in riskier driving behaviors compared to females, leading insurers to adjust premiums accordingly. However, it's crucial to recognize that these are general trends and individual premiums are influenced by a multitude of factors beyond gender. Therefore, the rate you pay will be personalized to reflect the unique risk you present.
Cost considerations for young drivers in Illinois
In Illinois, car insurance rates for young drivers can be hefty. Opting for a separate policy at the age of 18 can mean confronting premiums 81 percent more on average than if they remain on their parents' policy. This significant increase underscores the financial advantage of family policies for young Illinois drivers, although individual circumstances will ultimately guide these decisions.
Age | Avg. annual premium for drivers in IL |
---|---|
Age 16*
|
Avg. annual premium for drivers in IL
$5,234
|
Age 17
|
Avg. annual premium for drivers in IL
$4,744
|
Age 18
|
Avg. annual premium for drivers in IL
$4,394
|
Age 19
|
Avg. annual premium for drivers in IL
$4,187
|
Age 20
|
Avg. annual premium for drivers in IL
$3,711
|
Age | Avg. annual premium for drivers in IL |
---|---|
Age 18
|
Avg. annual premium for drivers in IL
$7,955
|
Age 19
|
Avg. annual premium for drivers in IL
$6,764
|
Age 20
|
Avg. annual premium for drivers in IL
$5,826
|
Age | Avg. annual premium difference for drivers on their own policy |
---|---|
Age 18 | 81 percent more |
Age 19 | 62 percent more |
Age 20 | 57 percent more |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Illinois?
Having a clean driving record typically earns you the best car insurance rates in Illinois. If you have an infraction on your motor vehicle record, you can expect to pay more until your record is clean again. The more serious the incident, the more you will potentially pay for car insurance due to the perceived higher risk. For instance, having a speeding ticket will increase your car insurance by 25 percent more on average in Illinois, while having a DUI might increase your rate by an average of 82 percent more.
The table below shows the average increase per driving incident compared to the annual average cost of car insurance in Illinois.
Driving incident | Avg. annual premium* in IL | Percentage increase from IL avg. annual premium* |
---|---|---|
Clean driving record
|
Avg. annual premium* in IL
$2,316
|
Percentage increase from IL avg. annual premium*
0%
|
Avg. annual premium* in IL
$2,900
|
Percentage increase from IL avg. annual premium*
25%
|
|
Avg. annual premium* in IL
$3,368
|
Percentage increase from IL avg. annual premium*
45%
|
|
Avg. annual premium* in IL
$4,217
|
Percentage increase from IL avg. annual premium*
82%
|
Car insurance rates in Illinois by credit tier
Illinois is among the many states that allow car insurance companies to base rates on a driver’s credit-based insurance score. A good credit score will usually get you the average car insurance rates in Illinois, all other factors being equal. With average credit you could pay 8 percent more for insurance. But with poor credit you may need to pay 73 percent more than average for insurance. With excellent credit, you may pay 15 percent less than the average car insurance cost in Illinois.
Credit tier | Avg. annual premium* in IL | Percentage difference from IL avg. annual premium* |
---|---|---|
Avg. annual premium* in IL
$4,007
|
Percentage difference from IL avg. annual premium*
73%
|
|
Average
|
Avg. annual premium* in IL
$2,491
|
Percentage difference from IL avg. annual premium*
8%
|
Avg. annual premium* in IL
$2,316
|
Percentage difference from IL avg. annual premium*
0%
|
|
Excellent
|
Avg. annual premium* in IL
$1,963
|
Percentage difference from IL avg. annual premium*
-15%
|
Illinois car insurance rates by vehicle type
When shopping for a new or used car, consider the type of vehicle you drive. The make and model you choose will affect your Illinois car insurance rates. For example, you might save hundreds of dollars per year insuring a Ford F-150 or Honda Odyssey rather than the car used for our average base rate in Illinois, a Toyota Camry. But insuring a BMW 330i could mean paying significantly more than the average cost of car insurance in Illinois.
Vehicle | Avg. annual premium* in IL |
---|---|
Avg. annual premium* in IL
$2,316
|
|
Avg. annual premium* in IL
$2,108
|
|
Avg. annual premium* in IL
$1,990
|
|
BMW 330i
|
Avg. annual premium* in IL
$2,866
|
Toyota Prius
|
Avg. annual premium* in IL
$2,312
|
Estimate your car insurance cost in Illinois
Navigating car insurance costs doesn't have to be a shot in the dark. Bankrate's car insurance calculator is designed to simplify the process by estimating your potential monthly premium. Input your details and this intuitive tool will provide you with a ballpark figure, helping you understand the possible insurance expenses you might expect in Illinois. Keep in mind that this is an estimate and not a final quote, but it's a solid starting point to help you plan financially.
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How to save on car insurance in Illinois
Illinois drivers, particularly those who live in more expensive areas like greater Chicago, might want to invest some time and effort to save on car insurance. Some ways to reduce your bill include:
- Ask for multiple quotes: You may be surprised at the range of quotes you receive if you ask for quotes from more than one insurer. Each company has its own algorithm to determine your rate, so don't assume that the first quote you get is going to be the cheapest option.
- Do an insurance review: When your insurance policy comes up for renewal, take a few minutes to review it in depth with your agent. Make sure the coverage amount and type is right, and consider if you should make any changes, like removing coverage types you no longer need or lowering coverage levels as your car depreciates.
- Buy an insurance-friendly vehicle: Some cars, such as a Honda Odyssey or Ford F-150, are typically cheaper to insure. If the cost of vehicle insurance causes some strain on your budget, avoid more expensive vehicles such as 4x4s, sports cars and exotic cars.
- Bundle car insurance: Bundling home and car insurance is typically one of the single biggest discounts available on car insurance. You can often still get a discount if you bundle renters insurance with your car insurance, too.
- Take advantage of all possible discounts: Almost every insurer offers at least a few discounts, and many may be easy to qualify for. You could save money if your car has safety features such as air bags, for example. Students can often save money by maintaining a high GPA. And telematics programs could save you a double-digit percentage if you prove yourself to be a safe and careful driver.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in February 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).
Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.