Skip to Main Content
Powered by Coverage.com (NPN: 19966249)

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.

Average cost of car insurance in Illinois in 2024

Illinois drivers pay an average of $682 for minimum and $2,316 for full coverage.

Updated Mar 14, 2024
Pay less for auto insurance
A better rate is around the corner. See how much you could save in 3 minutes or less.
Location-Icon
Lock Secure Your information is secure
Badge No spam. No fees. No surprises.
Compare quotes from reliable carriers
+ MORE
User
Provide some info to get offers
We only ask for info that can impact your rate so we can share accurate and personalized offers.
Insurance Auto
Select your policy
Compare and move forward with as many offers as you want from a list of trusted carriers.
Congrats
Settle your rate and policy details
Once you’ve decided on a carrier, wrap up the process online or on the phone with a trusted agent. 

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.

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 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.

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

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Location-Icon
Your information is kept secure
Powered by Coverage.com (NPN: 19966249)

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.

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.

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 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 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
*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 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
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
*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
Lightbulb

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.

Caret Down
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
*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 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
*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 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.

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%
*The rates reflected are for full coverage policies.

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.

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%
*Rates reflect full coverage policies.

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.

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
*Rates reflect full coverage policies.

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.

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.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

Caret DownCaret Up
Please select age
Location-Icon
Lock Secure Your information is secure
Caret DownCaret Up
Please select credit score
Why we're asking
Methodology

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.
Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

Frequently asked questions

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

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.

Written by
Ashlyn Brooks

Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.

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