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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.

Updated Jul 24, 2023
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How much is car insurance in Illinois? 

Car insurance in Illinois costs an average of $552 for state-mandated minimum coverage, while full coverage, which includes collision coverage and comprehensive coverage, costs an average of $1,806 annually. That compares favorably to the national annual averages, which are $622 for minimum and $2,014 for full coverage. Illinois rates are roughly 12 percent cheaper than national rates, which should be welcome news to drivers in the state.

Average minimum coverage premium in Illinois Average annual full coverage premium in Illinois
$552 $1,806
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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.

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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.

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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.
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Insurance Disclosure

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.

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:

  • 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 algorithms 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 biggest single 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.

Estimate your car insurance cost in Illinois

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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.

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Written by
Mandy Sleight
Contributor, Personal Finance

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute