Updated: March 6, 2026
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While Illinois is below the national average, urban density in Chicago and severe weather patterns increase car insurance costs well above the national average in this city. Your age, driving experience and location within Illinois influence your rates.
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Car insurance in Illinois ranges from $50 per month for minimum coverage to $99 for full coverage. Drivers save $124 annually compared to the national average for minimum coverage and $304 per year for full coverage.
| Minimum Coverage | $50 | $60 | $602 | $726 |
| Full Coverage | $99 | $124 | $1,189 | $1,493 |
Just 12 states have cheaper full coverage than Illinois, which ranks 13th out of 50 states and Washington, D.C., for affordability at $99 per month. Illinois ties with Massachusetts for the same monthly cost, though Massachusetts ranks one spot lower at 14th. With 38 states charging more for full coverage, Illinois drivers pay well below the rates in expensive markets like Florida, at $243 per month.
| Vermont | $75 | $902 | 1 |
| Illinois | $99 | $1,189 | 13 |
| Massachusetts | $99 | $1,193 | 14 |
| Florida | $243 | $2,912 | 51 |
About 19% of Illinois drivers carry no insurance. This forces insured drivers to pay more for uninsured motorist coverage to protect themselves from costly accidents with drivers who can't cover damages.
Illinois ranks fourth nationally for vehicle theft, with over 43,000 cars stolen in 2023. Severe storms and tornadoes generate over $2 billion in annual insurance claims across the state.
The Chicago metropolitan area accounts for 75% of Illinois residents and is a high-density region where accident rates, theft and vandalism claims are high.
High-risk drivers pay higher premiums. Lower-income drivers often struggle most with these elevated costs.
Rates vary between urban centers and rural counties (see city rates below).
Full coverage in Illinois starts at $69 per month with GEICO and reaches $104 with Erie Insurance, creating a $35 monthly gap that makes shopping around a good idea for drivers. Auto-Owners offers competitive rates at $75 per month, while Travelers comes in at $86 per month for the same coverage level.
Illinois residents can save up to $420 per year by comparing quotes and switching to more affordable options. These rate differences reflect real savings opportunities since all companies use identical driver profiles for comparison.
Read more: Cheapest and Best Car Insurance Companies in Illinois
| Geico | $30 | $69 | $364 | $825 |
| Auto Owners | $32 | $75 | $386 | $904 |
| Travelers | $47 | $86 | $569 | $1,032 |
| Erie Insurance | $35 | $104 | $422 | $1,249 |
| Country Financial | $51 | $103 | $617 | $1,231 |
| Progressive | $63 | $101 | $755 | $1,207 |
Rates vary between companies because each insurer uses its own formula to weigh your driving record, location, age and vehicle. A company with a larger customer base in Illinois prices driver profiles differently based on its own claims history and data, while carriers with fewer local policies may rely on broader regional trends. Some insurers prioritize clean-record drivers and price aggressively for low-risk profiles, while others specialize in higher-risk drivers who've been dropped by standard carriers. Your cheapest option depends entirely on how your driver profile fits each company's target customer, making direct quote comparison the only reliable way to find your best rate.
Coverage level alone can move your monthly premium by $90 in Illinois, from $53 for minimum liability to $143 for the highest tier. State minimum liability costs $53 per month, which covers only what's legally required. Adding comprehensive and collision coverage with a $1,000 deductible brings your monthly cost to $68. This is $15 more for protection that covers damage to your own vehicle.
Lowering your deductible costs more than raising liability limits in Illinois. The most expensive coverage tier is minimum liability plus comprehensive and collision with a $0 deductible at $143 per month, since eliminating your out-of-pocket costs for vehicle damage claims increases premiums .
| Minimum Liability Only | $53 | $633 |
| Min. liab. + comp/coll ($1,000 ded.) | $68 | $814 |
| Min. liab. + comp/coll ($2,000 ded.) | $89 | $1,074 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $105 | $1,264 |
| 50/100/50 liability + comp/coll ($500 ded.) | $113 | $1,357 |
| Min. liab. + comp/coll ($250 ded.) | $120 | $1,442 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $122 | $1,463 |
| Min. liab. + comp/coll ($0 ded.) | $143 | $1,711 |
Your deductible is the amount you pay out-of-pocket before your insurance company covers the rest of a claim. Choosing a higher deductible lowers your monthly premium, but you'll pay more if you file a claim for damage to your own vehicle.
Illinois requires drivers to carry minimum liability coverage of 25/50/20, meaning $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $20,000 for property damage per accident and underinsured/uninsured motorist coverage. This minimum coverage protects others if you cause an accident, but it won't pay to repair or replace your own car.
For example, the policy titled "100/300/100 liability + comp/coll ($1000 ded.)" breaks down as:
Learn more about types of car insurance coverages and how much car insurance you need.
Drivers in Chicago pay more for car insurance than anywhere else in Illinois at $146 per month for full coverage, which is 47% above the state average of $99. Car insurance rates vary by $56 per month across the state's 10 most populous cities, creating a $672 annual difference between the most and least expensive locations. Joliet ranks as the second most expensive city at $112 per month, while Champaign offers the most affordable rates at $90 per month. Peoria drivers pay $99 per month, matching the statewide average for full coverage.
| Chicago | $146 | $73 |
| Joliet | $112 | $58 |
| Waukegan | $106 | $53 |
| Elgin | $106 | $57 |
| Naperville | $105 | $57 |
| Aurora | $105 | $56 |
| Rockford | $103 | $52 |
| Springfield | $101 | $51 |
| Peoria | $99 | $50 |
| Champaign | $90 | $45 |
Chicago's $146 monthly rate reflects the city's dense traffic patterns, high vehicle theft rates and frequent accidents that come with urban driving conditions. Champaign's college town environment creates fewer risk factors with lighter traffic and lower crime rates, making it $56 per month or $672 per year cheaper than the state's largest city.
A 16-year-old on a family policy in Illinois pays $6,116 per year for males and $5,684 for females — compared to $8,252 and $7,397 respectively on individual policies. Age and gender affect car insurance rates differently, with males paying $432 more annually than females at age 16 on family coverage.
Staying on a family policy saves young drivers money, with 16-year-old males saving $2,136 compared to individual coverage. Car insurance costs drop steadily as drivers gain experience through their early 20s and level off around age 25.
| 16 | $8,252 | $6,116 |
| 17 | $6,274 | $5,438 |
| 18 | $5,364 | $4,965 |
| 19 | $4,295 | $4,780 |
| 20 | $3,621 | $4,196 |
| 21 | $2,732 | $3,903 |
| 22 | $2,450 | $3,678 |
| 23 | $2,277 | $3,525 |
| 24 | $2,107 | $3,346 |
| 25 | $1,893 | $3,076 |
Your driving record is fixed in the short term, but violations don't last forever. Drivers with a clean record pay $105 per month for full coverage in Illinois, while a speeding ticket pushes that cost to $135 per month, a 29% increase that adds $350 to your annual premium. Most violations affect your rates for three to five years in Illinois, though the timeframe varies by violation type.
A DUI conviction carries the highest penalty at $192 per month, an 83% increase that costs $1,036 more per year compared to a clean record. Violations raise rates because they show higher risk to insurers, who respond by raising premiums for high-risk drivers. Some serious violations may also require an SR-22 filing to maintain your driving privileges.
| Clean Record | $105 | $1,264 | — |
| Accident (not at fault) | $114 | $1,364 | 9% |
| Speeding | $135 | $1,614 | 29% |
| Texting While Driving | $138 | $1,656 | 31% |
| Accident (at fault) | $159 | $1,906 | 51% |
| DUI | $192 | $2,300 | 83% |
Multiple violations narrow your insurer options in Illinois and can push you into the high-risk category, which drives rates even higher. Drivers with this situation can explore specialized high-risk car insurance in Illinois to find coverage that fits their needs.
Illinois allows insurers to use credit-based scoring — the premium gap between good and poor credit is $199 per month for full coverage. Drivers with excellent credit pay $99 monthly while those with poor credit have $298 monthly premiums, representing a 201% increase that costs an extra $2,388 annually.
Improving your credit score is a long-term strategy for reducing car insurance premiums over time. Lower-income drivers in Illinois can benefit from focusing on credit repair alongside shopping for more affordable coverage options.
| Good Credit | $50 | $99 |
| Bad Credit | $135 | $298 |
| Difference | $85 | $199 |
Choosing a Ford F-150 over a Tesla Model Y saves Illinois drivers $1,008 per year on full coverage car insurance. Before your next purchase, knowing how insurance costs by vehicle change can inform your coverage budget, with full coverage ranging from $137 per month for a Ford F-150 to $221 for a Tesla Model Y. The $84 monthly gap between cheapest and most expensive represents annual savings, while sedans like the Honda Civic fall in the middle at $138 per month.
Electric vehicles cost more to insure because their parts and specialized repairs are more expensive than conventional vehicles. The Tesla Model Y's $221 monthly premium reflects the high cost of replacing its battery, sensors and proprietary components that require specialized technicians and parts.
| Ford F-150 | $73 | $876 | $137 | $1,640 |
| Honda Civic | $74 | $885 | $138 | $1,653 |
| Honda Accord | $76 | $914 | $142 | $1,707 |
| Toyota Camry | $79 | $948 | $148 | $1,771 |
| Toyota Prius | $81 | $968 | $151 | $1,809 |
| Toyota Rav4 | $84 | $1,010 | $157 | $1,890 |
| Tesla Model 3 | $101 | $1,206 | $190 | $2,281 |
| Tesla Model Y | $117 | $1,404 | $221 | $2,654 |
Your city, age, driving record and coverage level each affect what you pay for car insurance in Illinois, often creating differences of hundreds of dollars per year between similar drivers. Most Illinois residents don't realize how much these factors can shift their rates until they start comparing quotes.
Illinois car insurance averages $50 per month for minimum coverage and $99 for full coverage. Your actual rate depends on your driving record, age, credit score and coverage selection.
Illinois drivers have higher premiums due to a 19.3% uninsured motorist rate, nearly double the national average of 13%. Severe weather including tornadoes and hailstorms generate costly comprehensive claims, while Chicago's dense traffic increases collision frequency.
We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state:
Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.
Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
