Illinois Car Insurance Calculator: Get Instant Estimates

• Our Illinois rate data comes from Quadrant Information Services, which pulls premium data directly from insurer filings with state regulators. Every rate filed in Illinois is a matter of public record.
• We track every residential ZIP code in Illinois and update rates monthly.
• Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, authors and Mark Friedlander of the Insurance Information Institute reviews all content on this page.
• Our editorial standards keep our recommendations free from any influence by carrier relationships. Our rating guidelines apply the same criteria to every insurer we analyze.

Only 10 insurance companies write policies in Illinois, compared to 46 in the national dataset. GEICO prices full coverage at $69 for a clean-record adult driver. Allstate charges $144 for the same full coverage, a $75/month gap or $900 a year for identical protection. Country Financial is a Midwest-based insurance company that doesn't appear on most national comparison websites. It tends to price better for drivers without perfect credit or a clean record, the profile national tools consistently underserve. Start with MoneyGeek's cheapest car insurance in Illinois to find the lowest rate that matches your exact profile, including carriers the major tools skip.

Where your car is parked overnight determines the ZIP code used to calculate your rate. The Chicago-Naperville-Elgin metro ranked third in the country for vehicle theft volume in 2023, with 36,272 vehicles stolen per the National Insurance Crime Bureau. Insurers price that documented theft concentration directly into Chicago ZIP codes. Minimum coverage averages $76 in Chicago and $46 in Champaign for the same driver and vehicle, a $30/month gap or $360 a year. Get exact rates by address with MoneyGeek's Chicago car insurance rates by ZIP. Chicago ZIP codes vary enough that a few miles can close most of that $30/month gap.

Illinois charges young drivers 2.5 times the adult rate: $256 compared to the $102 adult baseline, a $154/month difference or $1,848 a year. Most drivers turning 25 renew with the same insurance company, collect the age-based rate drop, and stop there. Illinois's $75 carrier spread exists at 25 just as it does at 40. A driver who re-quotes at 25 with a different company captures the age drop and the carrier spread at the same time. Staying put means you only get one of the two. A driver who gets new quotes at 25 captures both the age-based drop and Illinois's $75/month carrier spread simultaneously. Start with MoneyGeek's cheapest Illinois car insurance to see what switching adds on top of the birthday discount.

Drivers with poor credit pay $306 for full coverage in Illinois. At excellent credit, that drops to $111. That $195 gap, or $2,340 a year, is nearly four times the $51 difference between minimum and full coverage. Improving your credit does get re-priced at renewal. But staying with the same insurance company without getting new quotes only captures part of it. A driver who improves their credit and gets new quotes with a different company at that same renewal captures the credit drop and the carrier spread at once. Get new quotes with MoneyGeek's Illinois rates by credit score: the $195/month credit gap means a credit improvement combined with a carrier switch recovers more than dropping coverage ever would.

A speeding ticket adds $28/month to the Illinois average. An at-fault accident adds $51/month, or $612 a year. Getting a DUI adds $83/month, or $996 a year. If you get a DUI, the Illinois Secretary of State requires an SR-22, a filing that proves active coverage exists. The SR-22 ends 3 years from reinstatement, but the violation stays on insurance records for 4 to 5 years. Re-shop at SR-22 expiration first (month 37). The second window opens when the violation clears at month 49 to 61. Compare rates now with MoneyGeek's Illinois DUI insurance rates. Re-shopping at SR-22 expiration instead of waiting for the full violation window is where most Illinois DUI drivers leave money on the table.

Full coverage averages $102 in Illinois. Minimum coverage averages $51. That $51 saving is real, but the $75 carrier spread for full coverage is wider than the coverage gap. Switching from Allstate to Geico for full coverage saves more than dropping from full to minimum. Illinois is an at-fault state: damages above your limits become personal debt. The state's $20,000 property damage minimum won't cover a totaled newer car. Drivers with cars they're still paying off have no choice: lenders require full coverage until the loan is paid. Drivers who own outright should run the coverage calculator below.

The Chicago metro had 36,272 vehicle thefts in 2023, third-highest in the country by volume per the National Insurance Crime Bureau. If your annual comprehensive premium is less than 10% of your car's current value, the standard advice says drop it. In Chicago, the theft concentration documented by the NICB means the probability side of that calculation is higher than the national average that formula assumes. Compare your actual premium against your car's value before dropping comprehensive.

Bodily injury liability pays the medical bills and lost wages of people you injure when you're at fault. The Illinois Vehicle Code (625 ILCS 5/7-601) requires at least $25,000 per person and $50,000 per accident, a limit one hospitalized person can exceed before a case settles. Drivers with assets to protect need at least $100,000 per person and $300,000 per accident; the upgrade from minimum to 100/300 adds roughly $15 to $30/month.

Property damage liability pays for damage you cause to other people's cars, buildings, and property when you're at fault. Illinois requires at least $20,000. The average new vehicle now exceeds $40,000, meaning the minimum doesn't cover a totaled newer car. If the bill exceeds your limit, you pay the difference personally. Illinois's $20,000 minimum covers less than half the cost of an average new vehicle; property damage liability explains what happens to your personal assets when the bill runs over.

Pays your medical bills and repairs when the driver who hit you carries no insurance. The Insurance Research Council found 15.2% of Illinois drivers were uninsured in 2023. Raising UM limits above 25/50 automatically adds underinsured motorist coverage at the same limits at no extra charge, per 625 ILCS 5/7-601. MoneyGeek's guide on what uninsured motorist insurance covers shows when UM pays your bills versus when UIM covers shortfalls from an underinsured driver.

Collision pays for damage to your own car from a crash, regardless of fault. Comprehensive pays for theft, fire, weather, and other non-collision losses. Lenders require both on financed or leased vehicles. Drivers who own outright should run the 10% test: if your annual comprehensive premium is less than 10% of your car's current value, the standard advice is to drop it. The Chicago metro's 36,272 vehicle thefts in 2023 mean the probability of a claim is higher than what that formula assumes elsewhere.

Gap insurance pays the difference between what your car is worth right now and what you still owe on the loan if it's totaled. Any driver with a recently financed vehicle whose loan balance exceeds the car's current market value should add it. New vehicles lose value fast, and the gap can run several thousand dollars in the early years of a loan.

An SR-22 is a certificate filed with the Illinois Secretary of State confirming active coverage exists. It's not a policy; it's proof the policy is in force. The Illinois Secretary of State requires it after a DUI, license revocation, or uninsured crash suspension, per ilsos.gov. The filing must stay active for 3 years from reinstatement; a lapse resets the clock. Not every insurance company files SR-22 certificates; high-risk car insurance in Illinois lists the carriers that will both write the policy and file the certificate.