Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
The average cost of car insurance in Illinois ranges from $554 per year for 55-year-olds to $3,145 per year for 16-year-olds. Illinois residents with a good driving record generally see their car insurance premiums drop around age 25, and average rates continue to fall as policyholders age. However, around age 65, you will likely start to see your rates increase again.
Average Cost of Car Insurance in Illinois by Age
| Age | Premium |
| 16 | $3,145 per year |
| 25 | $750 per year |
| 35 | $622 per year |
| 45 | $592 per year |
| 55 | $554 per year |
| 65 | $611 per year |
Note: Premiums are representative of a male driver with a minimum coverage policy and a clean driving record; individual premiums will vary.
Your car insurance premiums will generally decrease as you get older if you maintain a good driving record. However, there are other ways to lower your car insurance premiums before then, such as looking for discounts, increasing your deductible or comparing quotes from multiple companies.
To learn more, check out WalletHub’s guide to average car insurance rates by age and state.
People also ask
At what age is car insurance cheapest?
Car insurance is cheapest around age 55, on average, according to WalletHub data. Middle-aged drivers with experience on the road are the least expensive to insure because they have the lowest accident and claims rates, especially compared to senior and teenage drivers, who are the most likely to be involved in car crashes. Overall, car insurance is cheapest for drivers aged 35-65.
Cheapest Ages for Car Insurance
| Age | Average Annual Premium |
How much is full coverage insurance in Illinois?
Full coverage insurance in Illinois costs an average of $329 per month. A full coverage policy usually includes collision and comprehensive insurance, plus the types of coverage required by Illinois law. In Illinois, liability insurance and uninsured motorist coverage are mandatory for all drivers.
Average Cost of Full Coverage Insurance in Illinois
| Company | Full Coverage | Minimum Coverage |
| ... | $54 per month |
What car insurance discounts are available in Illinois?
You can get car insurance discounts in Illinois based on how you drive, the car you own, and your relationship with your insurance company. In Illinois, car insurance companies are allowed to consider factors like employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions.
Almost anyone can get a discount on car insurance...
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