- The average cost of car insurance in Illinois is $1,532 a year or $128 per month, based on our data analysis.
- Minimum liability coverage in Illinois costs around $421 annually for limits of 25/50/20, while liability-only coverage costs $471 per year for limits of 50/100/50.
- Automobile Club MI (AAA) provides the most affordable annual rates for full coverage car insurance in Illinois, costing $979 per year.
- In Illinois, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 38%, a DUI raising rates by 74%, and an at-fault accident by up to 53%.
Car insurance costs in Illinois vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Automobile Club MI (AAA) offers the cheapest annual rates for full coverage car insurance in Illinois at $979 annually.
This comprehensive guide to buying car insurance for Illinois drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Illinois works and how much insurance you need.
How much is car insurance in Illinois?
In Illinois, drivers pay an average of $128 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Illinois based on driver profile:
- Teen drivers in Illinois pay the most – about $393 a month or $4,714 a year.
- Young drivers in their 20s pay an average of $206 monthly or $2,467 annually, for car insurance.
- Senior drivers pay around $126 monthly or $1,511 a year.
- A speeding ticket can increase your rates to $173 monthly or $2,075 annually.
- An at-fault accident increases car insurance rates to $198 a month or $2,371 a year.
- Poor credit drivers usually see their car insurance costs increase to $252 monthly or $3,026 annually.
Average cost of auto insurance in Illinois by coverage level
In Illinois, car insurance rates can differ depending on how much coverage you choose. Drivers in Illinois are required by law to have minimum insurance coverage limits of 25/50/20 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Illinois, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Illinois for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $35 | $421 |
| Liability Only – 50/100/50 BI/PD | $39 | $471 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $128 | $1,532 |
State minimum car insurance in Illinois
In Illinois, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $20,000 of property damage liability.
The state minimum coverage in Illinois costs $421 a year but doesn’t provide much protection for drivers. Illinois drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Illinois must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Illinois
The average cost of liability-only insurance in Illinois is $471 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Illinois
On average, premiums for full coverage car insurance in Illinois cost $1,532 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Illinois
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Illinois have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Illinois
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Illinois by car model
Illinois car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Illinois.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Illinois
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Illinois, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,501 annually.
Illinois drivers aged 16-19 pay $3,213 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,714 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,373 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,501 per year in Illinois.
- For senior drivers: Drivers age 65 and older can expect to pay $1,511 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Illinois
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Illinois can increase your premiums by up to 74% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Illinois, you’ll likely see an increase in your car insurance premium by up to 38% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Illinois after driving incidents:
- Speeding ticket: Up to 38% increase
- DUI conviction: 74% increase
- At-fault accident (bodily injury and property damage): 53% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Illinois for high-risk drivers
In Illinois, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Illinois
Drivers in Illinois can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Illinois by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Illinois and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Automobile Club MI (AAA) | $461 | $450 | $979 |
| Travelers | $415 | $468 | $1,119 |
| GEICO | $298 | $372 | $1,178 |
| Progressive | $536 | $588 | $1,412 |
| Auto-Owners | $318 | $365 | $1,426 |
| Erie Insurance | $320 | $360 | $1,489 |
| Country Financial | $341 | $366 | $1,609 |
| State Farm | $410 | $482 | $1,633 |
| Allstate | $640 | $724 | $2,742 |
| USAA | $482 | $543 | $1,745 |
Car insurance rates by city in Illinois
Calumet City is the most expensive city in Illinois, with an average car insurance rate of $2,108 a year. Bloomington is the cheapest city for Illinois drivers at an average rate of $1,331 annually.
Car insurance rates vary by city in Illinois for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Illinois.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Illinois per month?
The average cost of a full-coverage car insurance policy in Illinois costs $128 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $35 |
| Liability Only – 50/100/50 BI/PD | $39 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $128 |
Final thoughts on choosing car insurance in Illinois
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Illinois.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Illinois. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/20.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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