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Average cost of car insurance in Illinois for 2022

Updated Oct 03, 2022
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The average cost of car insurance in Illinois is $1,946 per year for full coverage, or about $162 per month on average. For minimum coverage, the average annual cost of Illinois car insurance is $454 per year, or around $38 per month on average. When compared to the national average cost of car insurance, which is $1,771 per year on average for full coverage and $565 per year on average for minimum coverage, the average cost of full coverage car insurance in Illinois is higher but minimum coverage is lower.

How much does car insurance cost in Illinois?

Average car insurance rates in Illinois are 24% lower for minimum coverage. The average cost of minimum coverage car insurance in Illinois is $454 annually, while the national average is $565 per year for minimum coverage. However, the average Illinois rate for full coverage is 10% higher than the national average, with the average in Illinois at $1,946 annually compared to $1,771 nationally.

Illinois car insurance rates by company

One place to start when shopping for car insurance in Illinois is looking at the available insurance carriers. You may be surprised to find how much premiums can vary for the same type of coverage from each company.

Bankrate found that Mercury, Pekin, Geico, Secura and Grange all offer cheaper than average minimum coverage premiums that are typically less than $300 per year, well below the Illinois average of $442. As you can imagine, it may be worthwhile to switch carriers if you are paying significantly more than these rates, are over 25 and have a clean driving history.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $442 $2,718
American Family $731 $2,024
Auto-Owners $343 $1,188
Country Financial $437 $1,530
Erie $545 $1,069
Farmers $481 $1,135
Geico $268 $962
Grange $391 $1,332
Hastings Mutual $521 $1,304
Mercury $302 $998
Nationwide $479 $1,319
Pekin $326 $911
Progressive $565 $1,636
Rockford Mutual $364 $1,215
Safe Auto $738 $2,267
Secura $322 $1,058
State Farm $344 $1,120
The Hanover $457 $1,936
Travelers $485 $1,275
USAA $477 $1,462

Illinois car insurance rates by city

We further broke down car insurance rates in Illinois based on the most populated cities. It is probably not surprising that Chicago’s rates are the highest in the state, most likely due to the denser population and higher risks of accidents, vehicle damage or theft.

City Average annual premium for full coverage % increase in average annual premium
Chicago $2,069 17%
Aurora $1,330 -25%
Rockford $1,390 -22%
Joliet $1,453 -18%
Naperville $1,310 -26%
Peoria $1,338 -24%
Elgin $1,381 -22%
Springfield $1,341 -24%
Waukegan $1,448 -18%
Cicero $1,972 11%
Champaign $1,198 -32%
Arlington Heights $1,341 -24%
Evanston $1,545 -13%
Schaumburg $1,401 -21%
Decatur $1,294 -27%
Bolingbrook $1,421 -20%
Palatine $1,358 -23%
Bloomington $1,156 -35%
Skokie $1,743 -2%
Des Plaines $1,537 -13%

Illinois car insurance rates by age

Teens and young drivers might have to work a side job just to pay for car insurance. Insurance companies typically charge young adults more for coverage, often as much as double or triple what a 30- or 40-year-old driver would pay. Statistically, younger individuals are less experienced drivers and more prone to take dangerous risks or get distracted while driving, increasing the risk of causing a costly accident.

*16-year-old calculated on parent’s policy disclosure

Age Average annual premium in Illinois
Age 18 $2,937
Age 19 $2,795
Age 20 $2,471
Age 21 $2,190
Age 22 $2,257
Age 25 $1,941
Age 40 $1,946

Illinois car insurance rates by driving record

Drinking and driving or reckless behavior behind the wheel could have expensive implications. Besides the traffic fines and legal liability, car insurance premiums can go up between 10 percent and 61 percent, on average. To make matters worse, the increase in premiums will likely remain for at least two to three years, costing you hundreds or thousands of dollars.

Driving incident Average annual full coverage premium in Illinois % increase in average annual premium
Speeding ticket $1,955 10%
Accident $2,220 25%
DUI $2,859 61%

How to save on car insurance in Illinois

Illinois residents, particularly those who live in more expensive areas like Chicago, might want to invest some time and effort to save on car insurance. Some ways to reduce your bill could include:

  • Compare quotes: Each insurance company sets its own rates, which means quote amounts can vary from one insurance provider to the next, even if you’re requesting quotes for the same coverage types and amounts. Comparing quotes from several carriers can help you determine which company is cheapest for your specific needs without having to sacrifice coverage.
  • Do an insurance review: When your insurance policy comes up for renewal, take a few minutes to review it in depth. Make sure the coverage amount and type is right, and make sure that the other details, including your deductible, are also correct. This will help to ensure you are only paying for the coverage you need.
  • Buy an insurance-friendly vehicle: Some cars, such as Hondas and Subarus, are 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: Chances are you rent or own a home. If you buy renters or homeowners insurance along with your vehicle coverage, you could receive a discount on both.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Written by
Cynthia Paez Bowman
Personal Finance Contributor

Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com.

Edited by Insurance Editor
Reviewed by Senior wealth manager, LourdMurray