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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.

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2023

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Average Car Insurance Costs in Illinois (2023)

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.

Driving Record
Annual Premium
Monthly Premium

Clean

$387

$32

Clean

$390

$33

Clean

$469

$39

Ticket

$478

$40

Ticket

$504

$42

At-Fault Accident

$566

$47

Ticket

$577

$48

At-Fault Accident

$601

$50

DUI

$646

$54

At-Fault Accident

$678

$57

DUI

$681

$57

DUI

$773

$64

Clean

$874

$73

Clean

$922

$77

Ticket

$1,126

$94

Ticket

$1,133

$94

Clean

$1,140

$95

At-Fault Accident

$1,325

$110

At-Fault Accident

$1,336

$111

Ticket

$1,389

$116

DUI

$1,475

$123

DUI

$1,479

$123

At-Fault Accident

$1,614

$135

DUI

$1,799

$150

Why Are Car Insurance Rates Moderate in Illinois?

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.

Average Car Insurance Costs in Illinois by Company

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.

Company
Annual Premium
Monthly Premium

Mercury

$226

$19

Mercury

$235

$20

Country Financial

$246

$20

Country Financial

$247

$21

State Farm

$300

$25

Westfield

$300

$25

Auto-Owners Insurance Co

$311

$26

State Farm

$319

$27

Auto-Owners Insurance Co

$325

$27

Westfield

$328

$27

Mercury

$329

$27

GEICO

$332

$28

Country Financial

$335

$28

Erie

$345

$29

Erie

$346

$29

Westfield

$348

$29

GEICO

$353

$29

State Farm

$380

$32

Auto-Owners Insurance Co

$394

$33

American Family

$411

$34

American Family

$412

$34

GEICO

$412

$34

AAA

$416

$35

Erie

$437

$36

Travelers

$443

$37

Progressive

$444

$37

Hanover

$444

$37

American Family

$447

$37

Hanover

$452

$38

Progressive

$456

$38

Travelers

$473

$39

Progressive

$474

$40

AAA

$489

$41

Travelers

$499

$42

Allstate

$509

$42

Grange Insurance

$515

$43

Allstate

$527

$44

AAA

$544

$45

Grange Insurance

$571

$48

Hanover

$575

$48

Country Financial

$610

$51

Allstate

$643

$54

Country Financial

$663

$55

Grange Insurance

$663

$55

American Family

$684

$57

Auto-Owners Insurance Co

$702

$59

American Family

$703

$59

Auto-Owners Insurance Co

$730

$61

State Farm

$745

$62

American Family

$753

$63

Mercury

$762

$64

GEICO

$769

$64

GEICO

$795

$66

Mercury

$800

$67

State Farm

$823

$69

Westfield

$831

$69

Erie

$847

$71

Erie

$848

$71

Country Financial

$852

$71

Progressive

$860

$72

Progressive

$860

$72

Westfield

$863

$72

Travelers

$883

$74

Travelers

$892

$74

AAA

$930

$78

Auto-Owners Insurance Co

$966

$81

Progressive

$1,022

$85

GEICO

$1,024

$85

State Farm

$1,027

$86

Allstate

$1,042

$87

Travelers

$1,047

$87

Erie

$1,076

$90

Allstate

$1,096

$91

Westfield

$1,098

$92

Mercury

$1,130

$94

AAA

$1,135

$95

Grange Insurance

$1,160

$97

Grange Insurance

$1,186

$99

Hanover

$1,253

$104

AAA

$1,261

$105

Allstate

$1,307

$109

Hanover

$1,349

$112

Grange Insurance

$1,469

$122

Hanover

$1,750

$146

Insurance Rates

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MONEYGEEK’S ILLINOIS CAR INSURANCE CALCULATOR

Insurance providers consider your policy limits and other attributes like age and location while calculating your rates. With our Illinois car insurance calculator, you can quickly estimate your premium amount based on your profile and coverage preferences.

Average Car Insurance Costs in Illinois by Coverage Level

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.

Average annual car insurance rates by coverage tier

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.

Average Car Insurance Costs in Illinois by Age

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.

Age
Annual Premium
Monthly Premium

22-29

$1,140

$95

22-29

$469

$39

30-59

$922

$77

30-59

$387

$32

60 +

$390

$33

60 +

$874

$73

Average Car Insurance Costs in Illinois for Teens

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.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$2,141

$178

$4,505

$375

16

$2,399

$200

$5,104

$425

17

$1,996

$166

$3,158

$263

17

$2,228

$186

$3,572

$298

18

$1,685

$140

$2,644

$220

18

$1,876

$156

$2,995

$250

19

$1,526

$127

$1,968

$164

19

$1,693

$141

$2,230

$186

20

$1,544

$129

$1,736

$145

20

$1,711

$143

$1,923

$160

21

$1,287

$107

$1,442

$120

21

$1,381

$115

$1,555

$130

22

$1,292

$108

$1,324

$110

22

$1,367

$114

$1,394

$116

23

$1,328

$111

$1,214

$101

23

$1,415

$118

$1,254

$104

24

$1,245

$104

$1,140

$95

24

$1,302

$108

$1,154

$96

25

$1,142

$95

$1,044

$87

25

$1,177

$98

$1,041

$87

Average Car Insurance Costs in Illinois for New Cars vs. Older Cars

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.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$365

$30

2022 Vehicle

$369

$31

2012 Vehicle

$398

$33

2012 Vehicle

$404

$34

2022 Vehicle

$424

$35

2012 Vehicle

$464

$39

2012 Vehicle

$812

$68

2012 Vehicle

$843

$70

2022 Vehicle

$986

$82

2012 Vehicle

$1,021

$85

2022 Vehicle

$1,060

$88

2022 Vehicle

$1,288

$107

Average Car Insurance Costs in Illinois by Driving Record

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.

Driving Record
Annual Premium
Monthly Premium

Clean

$387

$32

Clean

$390

$33

Clean

$469

$39

Ticket

$478

$40

Ticket

$504

$42

At-Fault Accident

$566

$47

Ticket

$577

$48

At-Fault Accident

$601

$50

DUI

$646

$54

At-Fault Accident

$678

$57

DUI

$681

$57

DUI

$773

$64

Clean

$874

$73

Clean

$922

$77

Ticket

$1,126

$94

Ticket

$1,133

$94

Clean

$1,140

$95

At-Fault Accident

$1,325

$110

At-Fault Accident

$1,336

$111

Ticket

$1,389

$116

DUI

$1,475

$123

DUI

$1,479

$123

At-Fault Accident

$1,614

$135

DUI

$1,799

$150

Average Car Insurance Costs in Illinois by Credit Score

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.

Credit Score
Average Annual Premium
Average Monthly Premium

Excellent

$347

$29

Excellent

$352

$29

Excellent

$413

$34

Good

$432

$36

Good

$438

$37

Good

$513

$43

Fair

$537

$45

Fair

$546

$45

Fair

$638

$53

Below Fair

$655

$55

Below Fair

$665

$55

Excellent

$669

$56

Excellent

$706

$59

Excellent

$713

$59

Excellent

$741

$62

Poor

$774

$65

Below Fair

$779

$65

Poor

$781

$65

Excellent

$823

$69

Good

$839

$70

Excellent

$843

$70

Excellent

$878

$73

Good

$887

$74

Good

$896

$75

Excellent

$909

$76

Poor

$925

$77

Good

$933

$78

Excellent

$1,013

$84

Good

$1,035

$86

Fair

$1,043

$87

Good

$1,060

$88

Fair

$1,102

$92

Good

$1,104

$92

Fair

$1,116

$93

Good

$1,143

$95

Fair

$1,160

$97

Good

$1,273

$106

Below Fair

$1,277

$106

Fair

$1,295

$108

Fair

$1,325

$110

Below Fair

$1,353

$113

Below Fair

$1,371

$114

Fair

$1,374

$115

Fair

$1,423

$119

Below Fair

$1,427

$119

Poor

$1,561

$130

Fair

$1,589

$132

Below Fair

$1,597

$133

Below Fair

$1,633

$136

Poor

$1,665

$139

Poor

$1,684

$140

Below Fair

$1,691

$141

Below Fair

$1,753

$146

Poor

$1,762

$147

Below Fair

$1,960

$163

Poor

$1,968

$164

Poor

$2,021

$168

Poor

$2,094

$174

Poor

$2,174

$181

Poor

$2,433

$203

Average Car Insurance Costs in Illinois by City

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.

City
Full Coverage Annual Premium
Minimum Coverage Annual Premium

Aurora

$1,075

$492

Aurora

$858

$403

Aurora

$827

$406

Chicago

$1,538

$641

Chicago

$1,234

$527

Chicago

$1,184

$531

Elgin

$1,103

$506

Elgin

$881

$413

Elgin

$850

$417

Joliet

$1,190

$537

Joliet

$954

$441

Joliet

$920

$444

Naperville

$1,040

$487

Naperville

$829

$398

Naperville

$802

$401

Peoria

$1,019

$452

Peoria

$818

$370

Peoria

$783

$374

Rockford

$1,073

$467

Rockford

$857

$382

Rockford

$824

$387

Springfield

$1,002

$427

Springfield

$803

$350

Springfield

$766

$353

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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FAQ About Car Insurance Costs in Illinois

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.

About Mark Fitzpatrick


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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.