INSURANCE - CAR INSURANCE

Average Cost of Car Insurance in Illinois for 2024

Updated Oct. 30, 2023
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USH&C is generally the cheapest car insurance in Illinois for both full coverage and minimum liability policies.

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Illinois has grown significantly, reaching a new record of over 13 million people in its population. Besides its incredible food — Chicago deep dish pizza for the win! — Illinois also boasts a lower cost of living than most states, making it an appealing option for those looking to relocate.

The lower cost of living is also reflected in auto insurance premiums within the state. The average cost of car insurance in Illinois is $1,516, compared to the national average of $1,582, but how much you’ll pay for coverage depends on several factors.

In this article

Key takeaways

  • The average cost of car insurance in Illinois is $1,516 per year for full coverage insurance and $627 for state-minimum coverage.
  • Young drivers pay an average of $4,210 per year for coverage.
  • Premiums for those with poor credit are more than double the state average.

How much does car insurance cost in Illinois?

In Illinois, full coverage, including collision, comprehensive, and liability insurance, is $1,516, compared to the national average of $1,582. However, young drivers, meaning those in their teens, will pay significantly more. The average premium is nearly three times the state average.

Avg. cost for full coverage Avg. cost for minimum coverage Cheapest insurance provider
$1,516/year $627/year USH&C
Avg. for young drivers Avg. cost for seniors Avg. for high-risk drivers
$4,210/year $1,422/year $2,012/year

Average cost of car insurance in Illinois by provider

As a resident of Illinois, you have several car insurance options. Various leading companies, including large insurers like Geico, Progressive, and State Farm, issue policies within the state. On average, State Farm had the lowest premiums for both full coverage and state minimum insurance.

Provider Full coverage Minimum liability coverage
Allstate $1,998/year $875/year
Travelers $1,214/year $601/year
GEICO $1,257/year
$645/year
Progressive $1,285/year $640/year
State Farm $992/year $407/year
USAA $1,177/year $487/year

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How does credit score affect car insurance rates in Illinois?

Although a handful of states prohibit the use of credit histories in determining rates, Illinois doesn’t have that restriction. Insurers are allowed to use credit scores when calculating premiums. Those with poor credit pay about double the premiums of drivers with excellent credit in Illinois.

Credit health Avg. annual premium
Poor (550-649) $2,655/year
Average (650-699) $1,789/year
Good (700-749) $1,516/year
Excellent (750+) $1,316/year

Average car insurance rates for high-risk drivers in Illinois

High-risk drivers, meaning those more likely to file a claim or be involved in accidents, will pay more for car insurance than drivers with clean driving records. 

A DUI conviction can cause your premiums to increase by about $1,255 per year, and one at-fault accident may raise your premiums by about $865 per year.

Violation Avg. annual premium before violation* Avg. annual premium after violation Avg. cost increase
At-fault accident $1,516/year $2,381/year $865
DUI $1,516/year $2,771/year $1,255
Speeding ticket $1,516/year $2,045/year $529

*Assumes clean driving record with good credit

How does age affect car insurance rates in Illinois?

Illinois, like other states, has much higher average premiums for young drivers. 18-year-olds will pay approximately three times the state average. 

But insurance is much cheaper for older adults; those in their 40s through 60s will pay hundreds less per year.

Age Avg. annual premium
18 $4,646/year
25 $1,672/year
30 $1,336/year
40 $1,309/year
60 $1,225/year

Illinois car insurance rates by city

Residents in cities with high crime rates, including property theft or vandalism, will pay much more for car insurance. 

That issue is especially prevalent in Chicago, which NeighborhoodScout gave a crime rating of nine, meaning that 91% of cities in the U.S. are safer. On average, premiums in Chicago cost $1,995.

City Avg. annual full-coverage premium
Chicago$1,995/year
Elgin $1,581/year
Aurora $1,520/year
Rockford $1,485/year
Naperville $1,469/year
Springfield $1,441/year

IL’s minimum car insurance requirements

In most states, including Illinois, drivers are legally required to have car insurance. In Illinois, your policy must meet the following minimums:

  • $25,000 in bodily injury protection
  • $50,000 in bodily injury protection for two or more people
  • $20,000 in property damage protection

How to save money on car insurance in Illinois

Car insurance is relatively affordable in Illinois compared to other states’ premiums. But you could save even more money by following these tips:

  • Adjust your deductible: You may have chosen the lowest option possible when choosing your deductible. A low deductible means your insurer will start covering damages or injuries sooner, but the tradeoff is higher premiums. Increasing your deductible can help reduce your monthly or annual costs.
  • Ask about discounts: Ask your agent about potential discount programs. Possible discounts include accident-free, good student, and multi-policy discounts.
  • Comparison shop: Shopping around and requesting quotes from the best car insurance companies is an excellent way to save money on your premiums. You may find that another company offers the same coverage at a much lower rate.

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in IL

Is car insurance expensive in IL?

Car insurance isn’t as expensive in Illinois as it is in other states. The average cost of full coverage insurance is $1,516 per year, compared to the national average of $1,582.

How much is car insurance per year in IL?

The average cost of car insurance in Illinois is $1,516 per year for full coverage policies and $627 per year for state-minimum insurance.

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Author Details

Kat Tretina Kat Tretina is a personal finance expert focusing on practical financial matters, including student loans, debt repayment, side hustles, insurance, and healthcare. Drawing from her personal experience, she aims to simplify complex financial topics and provide individuals with the information they need to make informed decisions.