In Illinois, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Illinois by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Illinois
In Illinois, Honda CR-V and Mini Cooper Electric have the cheapest car insurance rates, followed by Chevrolet Express and Honda HR-V, based on our research.
The table below highlights the most affordable vehicles to insure in Illinois, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda CR-V | $923 |
| Mini Cooper Electric | $953 |
| Honda HR-V | $957 |
| Chevrolet Express | $957 |
| Volkswagen Tiguan | $959 |
| Honda Odyssey | $965 |
| Subaru Forester | $970 |
| Mazda CX-5 | $976 |
| Honda Pilot | $977 |
| Subaru Outback | $983 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Illinois
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Illinois
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $1,039. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Honda Accord ranks second on our list with an insurance cost of $1,114, followed by Nissan Versa, which costs $1,119 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Illinois and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,039 |
| Honda Accord | $1,114 |
| Nissan Versa | $1,119 |
| Honda Civic Sedan | $1,135 |
| Volkswagen Jetta | $1,144 |
| Kia Forte | $1,145 |
| Nissan Sentra | $1,161 |
| Toyota Camry | $1,173 |
| Toyota Corolla | $1,188 |
| Volkswagen Jetta GLI | $1,189 |
| Nissan Altima | $1,202 |
| Chevrolet Malibu | $1,218 |
| Hyundai Elantra | $1,226 |
| Kia K5 | $1,256 |
| Mitsubishi Mirage G4 | $1,273 |
| Mazda 3 Sedan | $1,279 |
| Hyundai Sonata | $1,313 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Illinois
The Honda CR-V and Honda HR-V are the cheapest SUVs to insure in Illinois, with an average cost of $923 and $957 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda CR-V | $923 |
| Honda HR-V | $957 |
| Volkswagen Tiguan | $959 |
| Subaru Forester | $970 |
| Mazda CX-5 | $976 |
| Honda Pilot | $977 |
| Hyundai Kona | $989 |
| Kia Sportage | $994 |
| Hyundai Tucson | $996 |
| Chevrolet Equinox | $1,009 |
| Chevrolet TrailBlazer | $1,010 |
| Mini Cooper Countryman | $1,013 |
| Toyota RAV4 | $1,014 |
| Honda Passport | $1,019 |
| Toyota Corolla Cross | $1,022 |
| Jeep Wrangler | $1,023 |
| Kia Seltos | $1,024 |
| Chevrolet Trax | $1,027 |
| Subaru Crosstrek | $1,028 |
| Ford Escape | $1,029 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Illinois
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,046.
The table below compares car insurance rates for different sports cars in Illinois
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,046 |
| Honda Civic Si | $1,221 |
| Chevrolet Camaro | $1,221 |
| Ford Mustang | $1,372 |
| Subaru BRZ | $1,509 |
| Subaru WRX | $1,529 |
| BMW Z4 | $1,532 |
| Toyota GR Corolla | $1,545 |
| Toyota GR86 | $1,556 |
| Chevrolet Camaro ZL1 | $1,556 |
| Toyota GR Supra | $1,563 |
| Porsche 718 Boxster | $1,576 |
| Honda Civic Type R | $1,580 |
| Chevrolet Corvette | $1,689 |
| Nissan Z | $1,820 |
| Porsche 718 Cayman | $1,826 |
| Jaguar F-Type | $2,045 |
| Chevrolet Corvette Z06 | $2,068 |
| Porsche 911 | $2,258 |
| Porsche 911 Turbo | $2,370 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Illinois
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $993 for a full coverage six-month policy. It is followed by the Acura MDX ($1,096) and Volvo XC40 ($1,119).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $993 |
| Acura MDX | $1,096 |
| Volvo XC40 | $1,119 |
| Cadillac XT4 | $1,148 |
| Lincoln Corsair | $1,166 |
| Cadillac XT5 | $1,177 |
| BMW X3 | $1,192 |
| Mercedes-Benz GLA-Class | $1,202 |
| Audi Q3 | $1,204 |
| Volvo XC60 | $1,205 |
| Acura Integra | $1,220 |
| Lexus RX | $1,225 |
| Acura TLX | $1,255 |
| BMW X2 | $1,259 |
| Alfa-Romeo Tonale | $1,262 |
| Land Rover Discovery Sport | $1,266 |
| BMW X1 | $1,274 |
| Lexus NX | $1,274 |
| Mercedes-Benz GLB-Class | $1,285 |
| Infiniti QX50 | $1,300 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Illinois
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,957 annually, which breaks down to $246 monthly.
The table below highlights the most affordable EVs to insure in Illinois, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $953 |
| Kia Niro EV | $1,003 |
| Hyundai Kona Electric | $1,037 |
| Volkswagen ID.4 | $1,096 |
| Nissan Leaf | $1,107 |
| Chevrolet Silverado EV | $1,198 |
| Ford F-150 Lightning | $1,206 |
| Audi Q4 e-tron | $1,226 |
| Toyota bZ4X | $1,230 |
| Hyundai Ioniq 5 | $1,294 |
| Jaguar I-Pace | $1,298 |
| Subaru Solterra | $1,303 |
| Mercedes-Benz EQB | $1,325 |
| Kia EV6 | $1,335 |
| Ford Mustang Mach-E | $1,348 |
| Volvo XC40 Recharge | $1,409 |
| Nissan Ariya | $1,414 |
| Hyundai Ioniq 6 | $1,422 |
| Cadillac LYRIQ | $1,431 |
| Genesis GV60 | $1,461 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Illinois
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Honda CR-V is $3,800, while insuring a Subaru Outback costs $3,852 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Illinois?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $953 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $1,003, according to our analysis.
Which SUVs are the cheapest to insure in Illinois?
The Honda CR-V is one of the cheapest SUVs to insure in Illinois, with an average cost of $923 for a six-month car insurance plan. The Honda HR-V and Volkswagen Tiguan also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Illinois?
The Honda CR-V, Subaru Outback, Honda Odyssey and Subaru Forester are some of the cheapest cars to insure for an 18-year-old driver in Illinois. On the other hand, Maserati Quattroporte, Maserati Ghibli and Audi RS7 are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs