We've outlined essential tips to help you shop for car insurance in the Prairie State with confidence. Understand the state's minimum coverage requirements to ensure you're compliant. Compare different insurance providers to find the best rates. Look for discounts and bundling options to save money on your policy.
Car Insurance Calculator Illinois
Updated: April 29, 2025
Advertising & Editorial Disclosure
Get Texas Car Insurance Estimates
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
$155
High
$114
Average
$64
Low
Rates updated:
May 07, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Key Takeaways
Insurers in Illinois will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Illinois can range anywhere from $489 to $2,264 per year depending on a variety of factors.
To get the best deal on Illinois car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Illinois Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage level before shopping to avoid unnecessary upselling. Consider your location, driving habits, vehicle and finances. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Look into average car insurance costs in Illinois for your chosen coverage and driver profile. Also, explore potential discounts to discuss with agents for additional savings.
Research the Cheapest Providers for You
With your coverage and cost research ready, start gathering estimates from providers. This helps identify where to begin comparing quotes and who offers the cheapest car insurance in Illinois for you. Use our calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing providers can lead to significant savings in Illinois. Use comparison sites, independent brokers, insurers' websites and direct agencies to find the best prices, as they can vary for the same coverage.
Take Advantage of Illinois-Specific Programs
If you're a high-risk driver, Illinois provides a Driver Defense Program that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for infrequent drivers. Telematics insurance rewards good driving with discounts, and automaker insurance programs may offer savings and extra benefits.
What Affects Your Illinois Car Insurance Estimates?
Car insurance premiums in Illinois are calculated based on four core areas: vehicle details, driver profile, location and provider choice. Learn more about how each factor affects Illinois rates:
How Much Does Provider Chosen Affect Illinois Car Insurance Estimates?
The provider you choose is the most influential factor affecting car insurance estimates in Illinois. Depending on the provider, your rates can drop 38% or increase by as much as 27% compared to the average for Illinois drivers.
| Lowest | American Family | $60 | $723 |
| Highest | Grange Insurance | $124 | $1,490 |
How Much Does Age Affect Illinois Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Illinois drivers. Depending on your age, your rates can go up as much as 128% or decrease by as much as 45% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 65 | $93 | $1,113 |
| Highest | 16 | $402 | $4,828 |
How Much Does Credit Affect Illinois Car Insurance Estimates?
We found that compared to other factors, credit scores are the third most impactful when insurance companies are determining rates. Depending on your credit, we found that in Illinois, rates can vary from $79 to $189 monthly for full coverage, but as your credit score goes up, your rates will go down.
| Lowest | Excellent | $79 | $945 |
| Highest | Poor | $189 | $2,264 |
How Much Does Coverage Affect Illinois Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in Illinois, causing rates to vary anywhere from $489 per year for minimum coverage to $1,377 yearly for maximum coverage. Essentially, the higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $41 | $489 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $115 | $1,377 |
How Much Does Driving Record Affect Illinois Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Illinois with rates changing up to 21%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $98 | $1,174 |
| Highest | DUI - BAC >= .08 | $156 | $1,876 |
Illinois Car Insurance Calculator: Bottom Line
Before you use our car insurance calculator, we recommend looking into costs, coverage options and companies. Then, gather many quotes. Compare them with our estimates to match your profile. This way, you'll find the best and most affordable deal for you.
Illinois Car Insurance Estimate: FAQ
Below you will find answers to common questions about Illinois car insurance costs and estimates:
What is used to determine Illinois car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Illinois car insurance on average?
The average car insurance cost in Illinois is around $104 per month. Depending on your unique profile and coverage chosen, car insurance can range anywhere from $40 per month to up to $250 monthly on average.
How do I get the best car insurance in Illinois?
To secure the best car insurance in Illinois, evaluate your coverage needs, compare rates and policies from different insurers and utilize tools like car insurance calculators.
Our Illinois Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.