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Average cost of car insurance in Illinois in 2023
The average annual cost of car insurance in Illinois is $1,806 for full coverage and $552 for minimum coverage.
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What To Know First
According to data collected from Quadrant Information Services, we determined the average cost of car insurance in Illinois is $552 for minimum coverage and $1,806 for full coverage. Bankrate’s insurance editorial team, which includes three licensed insurance agents, also analyzed the data to find the average car insurance cost in Illinois across several categories, including in various cities and several age groups, genders, credit rating tiers, driving records and vehicle types. Drivers in the Prairie State can use these average Illinois car insurance rates as a starting point to compare quotes from carriers based on their own personal driving profile. Since these rates are averages, they will likely differ from each individual driver’s cost of car insurance in Illinois.
- Our research shows Geico has the cheapest average minimum coverage car insurance at $268 annually, while Pekin has the cheapest full coverage average annual rate at $911.
- We found the city of Oak Lawn has the cheapest average car insurance rates in Illinois at $1,676 annually, 7 percent cheaper than the state average.
- Drivers with a speeding ticket in Illinois pay, on average, 27 percent more than the state’s average full coverage rate, while those with an at-fault accident pay 44 percent more. Those with a DUI conviction typically see the highest increase, paying 86 percent more on average.
- Having poor credit in Illinois can increase car insurance rates by 59 percent on average, while having excellent credit might save you an average of 14 percent.
- Insuring a Honda Odyssey could save you on car insurance, with an average annual cost of $1,529 for full coverage, $277 cheaper than the state average, though insuring a Ford F-150 may only cost $45 more per year than the Honda.
On This Page
- How much is car insurance in Illinois?
- Illinois car insurance rates by city
- Average car insurance costs by age and gender in Illinois
- How does driving record impact the cost of car insurance in Illinois?
- Car insurance rates in Illinois by credit score
- Illinois car insurance rates by vehicle type
- How to save on car insurance in Illinois
- Estimate your car insurance cost
- Frequently asked questions
How much is car insurance in Illinois?
On average, car insurance rates in Illinois are around 12 percent cheaper than the national average. The annual average cost of car insurance in Illinois is $552 for minimum and $1,806 for full coverage. For comparison, the national average annual car insurance rates are $622 for minimum coverage and $2,014 for full coverage.
Average minimum coverage premium in Illinois | Average annual full coverage premium in Illinois |
---|---|
$552 | $1,806 |
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 five cities in Illinois to illustrate the difference in premiums. Oak Lawn has the cheapest average full coverage rates while Chicago has the most expensive.
Illinois city | Average annual full coverage premium | Percentage difference from Illinois average annual full coverage premium |
---|---|---|
Chicago | $1,952 | +8% |
Des Plaines | $1,630 | -10% |
Evanston | $1,630 | -10% |
Oak Lawn | $1,676 | -7% |
Skokie | $1,830 | +1% |
Average car insurance costs by age and gender in Illinois
The younger you are, the more you usually pay for car insurance, especially teen drivers. Age isn’t typically as much of a factor for drivers with clean driving records aged 30 to 60, but often starts to creep back up after the age of 70. Gender can also affect premiums in Illinois, with men generally paying more than women, since they are statistically more risky behind the wheel.
Age | Average monthly full coverage premium in Illinois | Average annual full coverage premium in Illinois |
---|---|---|
Age 16* | $366 | $4,394 |
Age 18 | $570 | $6,843 |
Age 20 | $423 | $5,070 |
Age 25 | $199 | $2,392 |
Age 30 | $163 | $1,959 |
Age 40 | $152 | $1,825 |
Age 50 | $141 | $1,689 |
Age 60 | $137 | $1,639 |
Age 70 | $153 | $1,836 |
*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.
Age | Average monthly full coverage premium in Illinois | Average annual full coverage premium in Illinois |
---|---|---|
Age 16* | $325 | $3,902 |
Age 18 | $466 | $5,588 |
Age 20 | $345 | $4,135 |
Age 25 | $182 | $2,186 |
Age 30 | $158 | $1,900 |
Age 40 | $149 | $1,787 |
Age 50 | $228 | $2,738 |
Age 60 | $135 | $1,617 |
Age 70 | $149 | $1,790 |
*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.
Cost considerations for young drivers in Illinois
Age | Average annual premium for drivers on their parents' policy in Illinois | Average annual premium for drivers on their own policy in Illinois |
---|---|---|
Age 16 | $4,148 | N/A* |
Age 17 | $3,782 | N/A* |
Age 18 | $3,496 | $6,216 |
Age 19 | $3,315 | $5,274 |
Age 20 | $2,938 | $4,602 |
*16- and 17-year-old drivers must be on their parents’ or legal guardian’s policy.
How does driving record impact the cost of car insurance in Illinois?
Having a clean driving record can often get you the best car insurance rates in Illinois. If you have an infraction on your motor vehicle record, you should typically expect to pay more until your record is clean again. The more serious the incident, the more you will potentially pay for car insurance. For instance, having a speeding ticket will increase your car insurance by 27 percent on average in Illinois, while having a DUI might increase your rate by an average of 86 percent.
The table below shows the average increase per driving incident compared to the annual average cost of car insurance in Illinois.
Driving incident | Average annual full coverage premium in Illinois | Percentage increase in average annual premium |
---|---|---|
Clean driving record | $1,806 | 0% |
Speeding ticket | $2,289 | 27% |
Accident | $2,608 | 44% |
DUI | $3,354 | 86% |
Car insurance rates in Illinois by credit score
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. Having average credit could increase your rate by 7 percent on average. But if you have poor credit, you could see an average of 59 percent higher rates. With excellent credit, you might save around 14 percent compared to the average cost of car insurance in Illinois.
Credit tier | Average annual full coverage premium in Illinois | Percentage difference in average annual premium |
---|---|---|
Poor | $2,874 | +59% |
Average | $1,930 | +7% |
Good | $1,806 | 0% |
Excellent | $1,550 | -14% |
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 | Average annual full coverage premium in Illinois |
---|---|
Toyota Camry | $1,806 |
Ford F-150 | $1,574 |
Honda Odyssey | $1,529 |
BMW 330i | $2,307 |
Toyota Prius | $1,859 |
How to save on car insurance in Illinois
Illinois residents, 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 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 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 biggest single discounts available on car insurance. You can often still get a discount if you bundle renters insurance with your car insurance, too.
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