Average cost of car insurance in Illinois in 2023

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.

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.

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.

Cost considerations for young drivers in Illinois

*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.

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.

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.

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. 

Estimate your car insurance cost in Illinois

Frequently asked questions