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. Automobile Club MI (AAA) offers the cheapest rates at $979 a year for full coverage.
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.
- 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%.
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 help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
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
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.
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.
In the table below, see the car insurance premiums in Illinois for three different coverages.
| 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 car insurance cost in Illinois is $421 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 be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Illinois
According to CarInsurance.com data, liability-only car insurance costs $471 in Illinois for limits 50/100/50.
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 $1,532 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, 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.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Illinois pay more for premiums than those in lower-risk areas.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
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 ( Liability - Minimum)
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 example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
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
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Illinois drivers aged 30 to 60 have the lowest average auto insurance rates 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.
If you receive a speeding ticket in Illinois, be prepared for your car insurance rates to rise by up to 38% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider 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, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and 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 their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Start your search for the best car insurance policy in Illinois by getting quotes from several insurers for comparison.
Below are the details of Illinois car insurance companies and their 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 Illinois’s most expensive city for car insurance at an average cost of $2,108 annually. Bloomington is the state’s least expensive city, with an average car insurance 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.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Find below the average annual car insurance cost for drivers in some of Illinois’s major 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?
In Illinois, a full coverage car insurance policy with 100/300/100 limits typically costs about $128 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and 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
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
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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