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Average cost of car insurance in Illinois for 2024

Updated Nov 13, 2024
Illinois drivers pay an average of $610 for minimum and $2,135 for full coverage.
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How much is car insurance in Illinois?

In Illinois, the average cost of a full coverage car insurance policy is $2,135 per year and only $610 per year if you opt for a minimum coverage policy. This is below the national annual average of $2,458 and $678 for the respective coverages. Residents of the greater Chicago area are probably raising their eyebrows at these averages, as they are likely paying more in insurance premiums. That’s because ZIP code is one of the many factors that car insurance companies take into account when evaluating the probability of a driver filing an insurance claim in the future. Bankrate’s insurance team covers how certain personal risk factors, including age, driving record, vehicle type and more, may push your rate above or below the stated averages in The Land of Lincoln.

Key takeaways

  • Illinois drivers can expect an average monthly payment of $178 for full coverage and $51 for minimum coverage.
  • Drivers with a speeding ticket in Illinois may pay 25 percent more than the state average full coverage premium.
  • An at-fault accident in Illinois results in a 44 percent more than average premium increase, while a DUI conviction nearly doubles, with an 84 percent more than average premium surge.
  • Drivers with a poor credit history pay 79 percent more than average Illinois insurance costs; drivers with excellent credit history pay 15 percent less on average.

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Illinois car insurance rates by city

The Illinois city you live in can affect how much you pay for car insurance. Besides personal factors, population density, weather conditions, crime statistics and claim data can also affect your premium from city to city. We compared multiple cities across Illinois to illustrate the difference in premiums. Chicago has some of the highest average rates in the state as the most densely populated area in Illinois with some of the state’s worst crime statistics. As you venture into the suburbs of the Windy City or the rural areas of Illinois, you’ll generally see a bit of a decrease in average insurance premiums.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average car insurance costs by age and gender in Illinois 

In Illinois, age is a significant determinant in the average cost of car insurance, with younger drivers typically facing higher premiums. It's important to note that while Illinois drivers may see their rates stabilize between the ages of 30 to 60, premiums tend to increase again as drivers enter their 70s. Gender also plays a role in the state, with male drivers often paying slightly more due to having a statistically higher accident risk.

The two tables below display rates by gender. They also distinguish between the average costs for experienced drivers with their own insurance policy and younger drivers who remain on their parents’ policy. Both tables provide a snapshot of how gender and age can influence average car insurance cost in Illinois.

Age 16*
Average annual full coverage premium in IL
$4,988
Average minimum coverage premium in IL
$1,580
Age 18
Average annual full coverage premium in IL
$6,417
Average minimum coverage premium in IL
$2,036
Age 20
Average annual full coverage premium in IL
$5,214
Average minimum coverage premium in IL
$1,487
Age 25
Average annual full coverage premium in IL
$2,800
Average minimum coverage premium in IL
$778
Age 30
Average annual full coverage premium in IL
$2,331
Average minimum coverage premium in IL
$646
Age 40
Average annual full coverage premium in IL
$2,160
Average minimum coverage premium in IL
$608
Age 50
Average annual full coverage premium in IL
$2,003
Average minimum coverage premium in IL
$584
Age 60
Average annual full coverage premium in IL
$1,930
Average minimum coverage premium in IL
$576
Age 70
Average annual full coverage premium in IL
$2,090
Average minimum coverage premium in IL
$664
Age 40
Average annual full coverage premium in IL
$2,160
Average minimum coverage premium in IL
$608
Age 50
Average annual full coverage premium in IL
$2,003
Average minimum coverage premium in IL
$584
Age 60
Average annual full coverage premium in IL
$1,930
Average minimum coverage premium in IL
$576
Age 70
Average annual full coverage premium in IL
$2,090
Average minimum coverage premium in IL
$664
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Average annual full coverage premium in IL
$4,531
Average minimum coverage premium in IL
$1,481
Age 18
Average annual full coverage premium in IL
$5,974
Average minimum coverage premium in IL
$1,881
Age 20
Average annual full coverage premium in IL
$4,516
Average minimum coverage premium in IL
$1,356
Age 25
Average annual full coverage premium in IL
$2,609
Average minimum coverage premium in IL
$757
Age 30
Average annual full coverage premium in IL
$2,267
Average minimum coverage premium in IL
$648
Age 40
Average annual full coverage premium in IL
$2,111
Average minimum coverage premium in IL
$611
Age 50
Average annual full coverage premium in IL
$1,872
Average minimum coverage premium in IL
$586
Age 60
Average annual full coverage premium in IL
$1,907
Average minimum coverage premium in IL
$574
Age 70
Average annual full coverage premium in IL
$2,061
Average minimum coverage premium in IL
$657
Age 40
Average annual full coverage premium in IL
$2,111
Average minimum coverage premium in IL
$611
Age 50
Average annual full coverage premium in IL
$1,872
Average minimum coverage premium in IL
$586
Age 60
Average annual full coverage premium in IL
$1,907
Average minimum coverage premium in IL
$574
Age 70
Average annual full coverage premium in IL
$2,061
Average minimum coverage premium in IL
$657
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Bankrate’s take: Statistically, males are often found to be involved in more accidents and engage in riskier driving behaviors compared to females, leading insurers to adjust premiums accordingly. However, it's crucial to recognize that these are general trends and individual premiums are influenced by a multitude of factors beyond gender. Therefore, the rate you pay will be personalized to reflect the unique risk you present.

Cost considerations for young drivers in Illinois

In Illinois, car insurance rates for young drivers can be hefty. Opting for a separate policy at the age of 18 can mean confronting premiums 57 percent more on average than if they remain on their parents' policy. This significant increase underscores the financial advantage of family policies for young Illinois drivers, although individual circumstances will ultimately guide these decisions.

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Age 16*
Avg. annual premium for drivers in IL
$4,760
Age 17
Avg. annual premium for drivers in IL
$4,280
Age 18
Avg. annual premium for drivers in IL
$3,935
Age 19
Avg. annual premium for drivers in IL
$3,893
Age 20
Avg. annual premium for drivers in IL
$3,358
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in IL
$6,195
Age 19
Avg. annual premium for drivers in IL
$5,784
Age 20
Avg. annual premium for drivers in IL
$4,865
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 57 percent more
Age 19 49 percent more
Age 20 45 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Illinois?

Having a clean driving record typically earns you the best car insurance rates in Illinois. If you have an infraction on your motor vehicle record, you can expect to pay more until your record is clean again. The more serious the incident, the more you will potentially pay for car insurance due to the perceived higher risk. For instance, having a speeding ticket will increase your car insurance by 25 percent more on average in Illinois, while having a DUI might increase your rate by an average of 84 percent more.

The table below shows the average increase per driving incident compared to the annual average cost of car insurance in Illinois.

Clean driving record
Avg. annual premium* in IL
$2,135
Percentage increase from IL avg. annual premium*
0%
Avg. annual premium* in IL
$2,671
Percentage increase from IL avg. annual premium*
25%
Avg. annual premium* in IL
$3,084
Percentage increase from IL avg. annual premium*
44%
Avg. annual premium* in IL
$3,929
Percentage increase from IL avg. annual premium*
84%
*The rates reflected are for full coverage policies.

Car insurance rates in Illinois by credit tier

Illinois is among the many states that allow car insurance companies to base rates on a driver’s credit-based insurance score. A good credit history will usually qualify you for more favorable car insurance rates in Illinois, all other factors being equal.

Avg. annual premium* in IL
$3,831
Percentage difference from IL avg. annual premium*
79%
Average
Avg. annual premium* in IL
$2,322
Percentage difference from IL avg. annual premium*
9%
Avg. annual premium* in IL
$2,135
Percentage difference from IL avg. annual premium*
0%
Excellent
Avg. annual premium* in IL
$1,811
Percentage difference from IL avg. annual premium*
-15%
*Rates reflect full coverage policies.

Illinois car insurance rates by vehicle type

When shopping for a new or used car, consider the type of vehicle you drive. The make and model you choose will affect your Illinois car insurance rates. For example, you might save hundreds of dollars per year insuring a Ford F-150 or Honda Odyssey rather than the car used for our average base rate in Illinois, a Toyota Camry. But insuring a BMW 330i could mean paying significantly more than the average cost of car insurance in Illinois.

Avg. annual premium* in IL
$2,135
Avg. annual premium* in IL
$2,058
Avg. annual premium* in IL
$1,890
BMW 330i
Avg. annual premium* in IL
$2,620
Toyota Prius
Avg. annual premium* in IL
$2,192
*Rates reflect full coverage policies.

Estimate your car insurance cost in Illinois

Navigating car insurance costs doesn't have to be a shot in the dark. Bankrate's car insurance calculator is designed to simplify the process by estimating your potential monthly premium. Input your details and this intuitive tool will provide you with a ballpark figure, helping you understand the possible insurance expenses you might expect in Illinois. Keep in mind that this is an estimate and not a final quote, but it's a solid starting point to help you plan financially.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Methodology

How to save on car insurance in Illinois

Illinois drivers, particularly those who live in more expensive areas like greater Chicago, might want to invest some time and effort to save on car insurance. Some ways to reduce your bill include:

  • Ask for multiple quotes: You may be surprised at the range of quotes you receive if you ask for quotes from more than one insurer. Each company has its own algorithm to determine your rate, so don't assume that the first quote you get is going to be the cheapest option.
  • Do an insurance review: When your insurance policy comes up for renewal, take a few minutes to review it in depth with your agent. Consider if you should make any changes, like removing coverage types you no longer need or lowering coverage levels as your car depreciates.
  • Buy an insurance-friendly vehicle: Some cars, such as a Honda Odyssey or Ford F-150, are typically cheaper to insure. If the cost of insurance is a concern, consider avoiding more expensive vehicles such as 4x4s, sports cars and exotic cars.
  • Bundle insurance policies: Bundling home and car insurance typically offers one of the biggest discounts. You can often still get a discount if you bundle renters insurance with your car insurance, too.
  • Take advantage of all possible discounts: Almost every insurer offers at least a few discounts, and many may be easy to qualify for. You could save money if your car has safety features, such as a blind spot monitoring system. Students can often save money by maintaining a high GPA. Additionally, telematics programs could save you a double-digit percentage if you prove yourself to be a safe and careful driver, which can be especially useful if you’re trying to restore your premium following an accident or traffic violation.

Frequently asked questions

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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:

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40 year old
Single male and female driver
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2022 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
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Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

These are sample rates and should only be used for comparative purposes. 



Written by
Ashlyn Brooks
Writer II, Insurance
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor II, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute