Candace Baker, Car Insurance Writer
@candacebaker
Car insurance in Illinois costs $49 per month or $592 per year for minimum coverage, on average. The cheapest car insurance companies in Illinois are USAA, Indiana Farm Bureau Insurance, and Hastings Mutual, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Illinois is 37% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Illinois, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.
Average Cost of Car Insurance in Illinois by Category
- After an at-fault accident: $228 per month
- Driver with poor credit: $81 per month
- Teen driver: $262 per month
- After a DUI: $102 per month
Average Cost of Car Insurance in Illinois by Company
Company | Minimum Coverage | Full Coverage |
$894 per year | $2,923 per year | |
$665 per year | $1,416 per year | |
$403 per year | $1,372 per year | |
$1,185 per year | $2,585 per year | |
$341 per year | $1,098 per year | |
$615 per year | $1,580 per year | |
$436 per year | $1,371 per year | |
$462 per year | $1,322 per year | |
$496 per year | $1,354 per year | |
$532 per year | $1,639 per year |
Note: Rates are an approximation based on a 45-year-old man in Illinois with a clean driving record. Actual rates will vary.
Average Cost of Car Insurance in Illinois by Age
Age | Average Premium |
$3,145 per year | |
$2,616 per year | |
$2,292 per year | |
$1,861 per year | |
$1,616 per year | |
$1,243 per year | |
$1,102 per year | |
$996 per year | |
$921 per year | |
$750 per year | |
$622 per year | |
$592 per year | |
$554 per year | |
$611 per year |
Note: Rates are an approximation based on a driver in Illinois with minimum coverage and a clean driving record. Actual rates will vary.
How to Lower the Cost of Car Insurance in Illinois
- Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
- Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
- Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
- Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.
To learn more, check out our guide to how much car insurance you need in Illinois as well as our picks for the cheapest car insurance companies in Illinois.
People also ask
How much car insurance do I need in Illinois?
Drivers in Illinois need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $20,000 of property damage liability insurance. Illinois also requires uninsured motorist protection. UM replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Here’s How Much Car Insurance Drivers Need in Illinois:
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability... | $25,000 |
Why is Illinois car insurance so expensive?
Car insurance in Illinois is actually not very expensive compared to the national average, thanks to safe drivers with fewer than average accidents and affordable auto repair options across the state. In Illinois, you can expect to pay around $3,948 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in Illinois is less expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
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read full answerWhat is the penalty for driving without insurance in Illinois?
The penalties for driving without insurance in Illinois include fines and the suspension of your driver's license. You can avoid these consequences by meeting Illinois’s proof of financial responsibility requirements. Illinois requires that all drivers have at least $25,000 in bodily injury liability coverage, up to $50,000 per accident, along with $2,000 in liability coverage for property damage. You'll also need uninsured/underinsured motorist protection.
Purchasing Illinois’s minimum liability car insurance coverage is the easiest...
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