- The average cost of car insurance in Illinois is $1,938 a year or $162 per month, based on our data analysis.
- Minimum liability coverage in Illinois costs around $752 annually for limits of 25/50/20, while liability-only coverage costs $827 per year for limits of 50/100/50.
- Travelers provides the most affordable annual rates for full coverage car insurance in Illinois, costing $1,428 per year.
- In Illinois, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 45%, a DUI raising rates by 80%, and an at-fault accident by up to 57%.
The cost of car insurance in Illinois varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Travelers offers the cheapest rates at $1,428 a year for full coverage.
This guide makes buying car insurance in Illinois easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Illinois works and how much coverage you need.
How much is car insurance in Illinois?
In Illinois, drivers pay an average of $162 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 $489 a month or $5,865 a year.
- Young drivers in their 20s pay an average of $261 monthly or $3,131 annually, for car insurance.
- Senior drivers pay around $161 monthly or $1,927 a year.
- A speeding ticket can increase your rates to $234 monthly or $2,806 annually.
- An at-fault accident increases car insurance rates to $254 a month or $3,046 a year.
- Poor credit drivers usually see their car insurance costs increase to $309 monthly or $3,702 annually.
Average cost of auto insurance in Illinois by coverage level
Car insurance costs in Illinois can differ based on the coverage limit. To legally drive, Illinois residents must adhere to the minimum liability limits of 25/50/20.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Illinois car insurance costs for three different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $63 | $752 |
| Liability Only – 50/100/50 BI/PD | $69 | $827 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $162 | $1,938 |
State minimum car insurance in Illinois
Illinois’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $20,000 in property damage liability.
The state minimum car insurance cost in Illinois is $752 a year. However, this basic coverage only offers limited protection. Illinois drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Illinois must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Illinois
Liability-only car insurance costs $827 in Illinois for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Illinois
The average annual premium in Illinois is $1,938 for a full coverage policy with 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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
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
Car insurers in Illinois use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific 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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Illinois drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,898 annually.
Car insurance for drivers aged 16-19 costs $3,967 more annually than Illinois drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,865 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,015 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,898 per year in Illinois.
- For senior drivers: Drivers age 65 and older can expect to pay $1,927 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 80% 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 45% 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 45% increase
- DUI conviction: 80% increase
- At-fault accident (bodily injury and property damage): 57% 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
In Illinois, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Illinois by getting quotes from different insurance companies.
Below are the details of Illinois car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $660 | $714 | $1,428 |
| GEICO | $572 | $729 | $1,524 |
| Auto Club Group (AAA) | $739 | $703 | $1,648 |
| Progressive | $697 | $772 | $1,699 |
| Nationwide | $1,336 | $1,412 | $1,900 |
| Auto-Owners | $690 | $729 | $1,978 |
| Erie Insurance | $579 | $665 | $2,156 |
| Country Financial | $589 | $695 | $2,374 |
| Allstate | $924 | $1,052 | $2,851 |
Car insurance rates by city in Illinois
Chicago is the priciest city in Illinois for car insurance, costing an average of $2,373 annually. On the other hand, Champaign is the most affordable city, where drivers pay an average of $1,660 per year for car insurance.
Car insurance premiums differ across cities in Illinois and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Illinois’s largest cities.
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 $162 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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $63 |
| Liability Only – 50/100/50 BI/PD | $69 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $162 |
Final thoughts on choosing car insurance in Illinois
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Illinois.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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