Car Insurance Calculator in Illinois

Illinois has some of the lower minimum car insurance requirements in the country. Answer four questions to find out how much coverage you need based on your situation.

The right coverage amount depends on four factors: your net worth, your vehicle's value, how you purchased your car and your personal risk tolerance.

• Your assets determine how much liability coverage you need. If you cause a serious accident and damages exceed your policy limits, you're personally responsible for the difference. Drivers with significant assets should carry at least 100/300/100 in liability coverage to protect their financial future.
• Your car's value determines whether comprehensive and collision make financial sense. For vehicles worth less than $5,000, premiums often cost more than you'd receive in a claim payout. Newer or higher-value cars benefit from both coverages to handle repair costs or total loss situations.
• Financing or leasing your vehicle limits your coverage choices. Lenders and lessors almost always require full coverage, including comprehensive and collision with specific deductible limits, until you pay off the loan or lease.
• Illinois doesn't require bodily injury liability. This means you're still liable for another person's medical bills if you cause an accident. Skip it, and you could owe thousands in hospital and rehab costs.

MoneyGeek's calculator creates a personalized car insurance rate estimate based on your ZIP code, driving history and coverage choices. Enter your details below to see what Illinois drivers with similar profiles are paying.

Illinois's tort system and severe weather push premiums higher than the national average. Provider, age, location, coverage type, driving history and credit score all affect your rate. Insurers weigh them differently, so quotes for the same coverage can vary by hundreds of dollars.

The factors with the biggest impact on your Illinois rate:

1. Provider choice is the largest variable in your premium. The gap between the cheapest and most expensive insurer reaches $32 per month for identical full coverage policies.
2. Age and driving experience create rate differences. Drivers in the youngest age group pay an average of $256 per month, while senior drivers pay $133 per month for the same coverage.
3. ZIP code determines your local risk exposure. Chicago drivers pay higher premiums than those in downstate communities like Springfield or Carbondale due to traffic density, crime rates, and exposure to severe weather from lake-effect storms.
4. Credit score and driving history affect your costs, particularly for high-risk drivers. Good credit earns you an average of $102 per month, while poor credit pushes costs to $306 monthly. Illinois requires an SR-22 filing for DUI convictions, mandating higher liability limits for three years. Drivers with a DUI pay more.

In Illinois, the difference between the cheapest and most expensive insurer reaches $32 per month for the same full coverage policy. That's why comparing quotes from at least three companies is the single most effective way to lower your rate. You'll find additional strategies to lower your car insurance rate in the tips below.

Our base profile for all costs and modifications is:

• 40 years old
• Good credit
• Drives a 2012 Toyota Camry
• Clean driving record

We sourced rate data from insurer filings via Quadrant Information Services. Full coverage policies reflect 100/300/100 liability limits, comprehensive and collision coverage and a $1,000 deductible.

Minimum coverage reflects Illinois's state-mandated minimums of $25,000 bodily injury per person, $50,000 bodily injury per accident, $20,000 property damage per accident and uninsured motorist coverage. We update rates monthly to ensure they reflect the most recent available data. To learn more about how MoneyGeek analyzes car insurance costs, see our auto insurance methodology.