How Much Is Car Insurance in Illinois? (2023)

Several variables determine how much your car insurance costs in Illinois, including your age, coverage limit, insurer and more.

The driver’s age and the insurer you choose will significantly impact your costs. Country Financial offers the cheapest average full coverage policy at $663, while the same policy is $1,349 from Hanover, the most expensive provider. A 25-year-old driver will pay $753 yearly for the same policy from American Family and $1,750 from Hanover.

In Illinois, the annual average auto insurance cost is $922, although your rates may differ based on different factors, including your coverage amount and driving record. Illinois drivers pay the following average premiums depending on their driving background:

• Clean record: $922 per year
• Speeding ticket: $1,133 per year
• At-fault accident: $1,325 per year
• DUI: $1,475 per year

The above rates are for full coverage car insurance. Costs will typically be lower for a minimum coverage policy.

Illinois’ average auto insurance cost is $132 lower than the $1,054 nationwide average for a full coverage policy. Relatively average auto insurance premiums indicate that Illinois has moderate traffic, lower population density and average levels of theft. If you pay higher premiums in the state, it could be due to factors associated with your profile, such as your age and driving record.

Relying on average car insurance costs can be misleading since premiums often vary significantly between providers. The company with the cheapest auto insurance in Illinois for a minimum coverage policy is Mercury, costing $226 per year ($800 for a full coverage policy). Meanwhile, Allstate is the priciest for minimum coverage, at $527 per year ($1,096 for full coverage).

Even though minimum coverage car insurance is the cheapest, it offers limited coverage. We recommend finding an affordable full coverage plan by shopping around.

How much you pay for auto insurance hinges on your policy’s liability limits. A higher limit will typically translate into higher premiums. You will pay approximately $387 in Illinois for a policy that only meets the state-mandated insurance requirements. For a full coverage policy with maximum coverage limits, you will pay an average of $1,072 yearly.

Choosing a higher deductible on your full coverage policy can save you money on your premiums.

Illinois’ minimum car insurance policies offer the least protection and cost the least. These policies lack collision and comprehensive coverage, making them less expensive than full coverage insurance. Illinois’ liability-only insurance may be slightly more costly than average due to the state’s uninsured motorist coverage requirement.

Policies with higher coverage limits often get simplified to 100/300/100 or 50/100/50. A policy with 50/100/50 liability limits includes the following:

• $50,000 bodily injury liability per person
• $100,000 bodily injury liability per accident
• $50,000 property damage liability

Most insurers offer 300/500/300 as the maximum liability limit on car insurance policies. Unlike liability insurance, full coverage car insurance contains comprehensive and collision coverage, which pays for damages to your car in case of a covered accident.

Your age can impact your car insurance cost regardless of the provider. Rates may increase if you are young and inexperienced. In Illinois, the following average rates apply for a full coverage policy across different age groups:

• 22–29: $1,140 per year
• 30–59: $922 per year
• 60+: $874 per year

Although insurers charge higher premiums for drivers in their 20s, rates tend to remain stable for drivers between 30 and 60 before increasing again for older individuals. Car insurance for new drivers is typically more expensive, regardless of age.

In Illinois, the average yearly auto insurance premium for a 16-year-old male driver on a family plan is $2,399. This rate is much higher than drivers in other age brackets. Purchasing a separate policy for a teen driver will be even more costly, at $5,104 annually.

However, rates tend to reduce as drivers age. A family plan for a 19-year-old driver costs $1,693 per year, while a 22-year-old on a family plan will only pay $1,367. Comparing rates from multiple carriers ensures you find Illinois’ most affordable teen car insurance.

Rates also depend on a driver’s gender, with male teens generally paying higher premiums than females. A 16-year-old female driver in Illinois will pay about $2,141 annually for a full coverage policy on a family plan, $258 less than male teens.

How much your car insurance costs in Illinois depends on the model year of your vehicle. For a full coverage policy, you will pay an average of $1,060 for a new car instead of about $843 for our sample car, a 2012 model of the Toyota Camry LE. That’s a premium difference of roughly 23%.

Insurers use your vehicle’s actual cash value (ACV) to settle comprehensive and collision insurance claims. You will pay higher premiums for a higher ACV, and the ACV decreases as your vehicle ages and becomes less valuable. Older cars are also less likely to be stolen and are usually cheaper to repair.

We recommend that new car owners purchase full coverage insurance to cover liability costs incurred in injuring other drivers plus damages to your own car in an accident.

Auto insurance premiums spike significantly for drivers with severe offenses than for drivers with clean records. You will pay the following average premiums on a full coverage policy depending on your driving history:

• Clean record: $922 per year
• Speeding ticket: $1,133 per year
• At-fault accident: $1,325 per year
• DUI: $1,475 per year

The increase in cost varies based on the severity of the offense. For instance, a DUI in Illinois causes higher rates than an at-fault accident or speeding ticket. Drivers can secure the cheapest auto insurance in Illinois for poor records by comparing quotes.

Insurers may use your credit score to determine your auto insurance premium. Drivers with excellent credit scores pay the least on average, while drivers with poor scores have the highest rates. The following average car insurance rates apply to different credit ratings in Illinois:

• Excellent: $741 per year
• Good: $933 per year
• Fair: $1,160 per year
• Below fair: $1,427 per year
• Poor: $1,762 per year

Maintaining an excellent credit score may save you hundreds of dollars on your premium, but insurers have different policies around credit score’s influence on rates. Drivers with poor credit scores can still find cheap car insurance in Illinois by comparing offers from various companies.

Your car insurance premium is highly dependent on where you live in Illinois. For instance, Springfield motorists pay an annual average of $803 for a full coverage policy and $350 for a state minimum policy. Cities like Chicago have the highest annual rates in the states for full coverage and minimum coverage insurance, costing $1,234 and $527, respectively. These high costs may be due to high population density, increased traffic and higher car theft rates.

Because car insurance rates change across several variables, it may be challenging to identify the best insurer for your needs. We responded to frequently asked questions about auto insurance in Illinois to help you make a more informed choice.