Skip to Main Content

Average cost of car insurance in Illinois for 2024

Updated Jul 19, 2024
Illinois drivers pay an average of $549 for minimum and $2,100 for full coverage.
Location-Icon
Explore offers from trusted carriers
+ MORE

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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 $549 annually for minimum coverage and $2,100 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 $175 for full coverage and $46 for minimum coverage.
  • Drivers with a speeding ticket in Illinois may pay 22 percent more than the state average full coverage premium.
  • An at-fault accident in Illinois results in a 42 percent more than average premium increase, while a DUI conviction nearly doubles, with an 78 percent more than average premium surge.
  • Drivers with a poor credit history pay 77 percent more than average Illinois insurance costs; drivers with excellent credit history pay 16 percent less on average.

What would you like to do today?

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 multiple cities across Illinois to illustrate the difference in premiums. Chicago has some of the highest average rates in the state as the most densely populated area in Illinois with some of the state’s worst crime statistics. As you venture into the suburbs of the Windy City or the rural areas of Illinois, you’ll generally see a bit of a decrease in average insurance premiums.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average