Cheapest Car Insurance in Illinois for 2025

Which models have the cheapest car insurance in Illinois? We break down average rates for the top 100 vehicles to find the best insurance cost.

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Ford F-150 driving down one-way street in Chicago

How much is average car insurance cost in Illinois?

Average car insurance in Illinois costs $2,262 per year, with the average monthly cost being $189 for full coverage. When compared to the national average rate in the U.S., Illinois car insurance rates are 1.8% more expensive.

Average annual and monthly car insurance rates in Illinois for the top five most popular vehicles in the state are shown below:

  1. Ford F-150 pickup – $2,530 per year ($211 per month)
  2. Honda CR-V compact SUV – $1,926 per year ($161 per month)
  3. Chevrolet Equinox compact SUV – $2,080 per year ($173 per month)
  4. Toyota RAV4 compact SUV – $2,086 per year ($174 per month)
  5. Chevrolet Silverado pickup – $2,502 per year ($209 per month)

Other top-selling vehicles in Illinois and their average annual car insurance cost include the Nissan Rogue at $2,028 per year, the Toyota Camry at $2,428, the Toyota Corolla at $2,202, and the Ford Explorer with an average cost of $2,050 per year.

The chart below shows average car insurance in Illinois broken out by driver age and policy deductible limits. Rates are averaged for all 2024 vehicle models including luxury brand cars and SUVs.

Average full-coverage car insurance premium in Illinois for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Illinois for different ages of drivers. Rates updated on June 26, 2025.
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Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Illinois Zip Codes.

Average Car Insurance Cost in Illinois
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,850$321
$500$4,550$379
$250$5,290$441
30$1,000$2,020$168
$500$2,412$201
$250$2,818$235
40$1,000$1,904$159
$500$2,262$189
$250$2,636$220
50$1,000$1,692$141
$500$2,000$167
$250$2,324$194
60$1,000$1,586$132
$500$1,876$156
$250$2,178$182

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Illinois Zip Codes. Updated June 26, 2025

The average cost of car insurance in Illinois illustrated above ranges from $1,586 per year for a 60-year-old driver with a high deductible policy (the lowest cost) to $5,290 per year for a 20-year-old driver with low policy deductibles (the highest cost).

The average cost of car insurance per month in Illinois ranges from $132 to $441 for those same drivers. Remember, these are average rates for all 2024 models, so see the next article section for the cheapest car insurance in Illinois for specific models.

Auto insurance rates vary considerably based on factors like where you live in Illinois, the vehicle you drive, your driving record, and many other important rate modifiers. If finding the cheapest car insurance in Illinois is your goal, we recommend comparing free car insurance quotes frequently, as rates change often.

Which autos have cheap car insurance in Illinois?

The Subaru Crosstrek takes top honors for the overall cheapest car insurance cost in Illinois. Other models with great car insurance rates include the Kia Soul, Honda Passport, Mazda CX-5, Volkswagen Tiguan, and Buick Encore.

From a segment perspective, compact SUVs (like the Mazda CX-30 and Honda CR-V) tend to have the best overall car insurance rates. Midsize SUVs (i.e., Ford Edge, Subaru Outback, Kia Telluride, VW Atlas) cost a little more to insure, but rank well when compared to compact and midsize sedans like the Toyota Corolla, Honda Civic, Mazda 6, and Honda Accord.

Vehicles that tend to cost more to insure than midsize cars and SUVs but still rank fairly well include mid and full-size trucks like the Chevrolet Colorado, Ford Ranger, and Ford F-150 and minivans like the Honda Odyssey and Chrysler Pacifica.

A few luxury models make the top 100 list, but average luxury car insurance rates in Illinois tend to keep them out of the top 100. This includes models like the Tesla Model 3 at $2,654 per year, Lexus RX 350 at $2,268 per year, BMW X3 at $2,664 per year, and the Mercedes-Benz GLC300 at $2,424 per year.

The table below shows the 2024 model year vehicles that have the average cheapest car insurance quotes in Illinois.

Top 100 Cheapest Car Insurance Rates in Illinois
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,670$139
2Chevrolet Trailblazer$1,698$142
3Kia Soul$1,764$147
4Nissan Kicks$1,780$148
5Honda Passport$1,800$150
6Buick Envision$1,812$151
7Toyota Corolla Cross$1,822$152
8Hyundai Venue$1,834$153
9Mazda CX-5$1,844$154
10Ford Bronco Sport$1,850$154
11Volkswagen Tiguan$1,870$156
12Acura RDX$1,890$158
13Nissan Murano$1,898$158
14Buick Encore$1,918$160
15Honda CR-V$1,926$161
16Subaru Outback$1,926$161
17Buick Envista$1,932$161
18Volkswagen Taos$1,934$161
19Kia Niro$1,944$162
20Toyota GR Corolla$1,964$164
21Honda HR-V$1,966$164
22Subaru Ascent$1,966$164
23Nissan Leaf$1,978$165
24Chevrolet Colorado$1,988$166
25Honda Civic$1,998$167
26Lexus NX 250$2,000$167
27Volkswagen Atlas$2,004$167
28Acura Integra$2,008$167
29Subaru Forester$2,012$168
30Volkswagen Atlas Cross Sport$2,014$168
31Kia Seltos$2,018$168
32GMC Terrain$2,022$169
33Nissan Rogue$2,028$169
34Hyundai Kona$2,034$170
35Mazda CX-30$2,038$170
36Cadillac XT4$2,040$170
37Ford Explorer$2,050$171
38Volkswagen ID4$2,050$171
39Toyota Highlander$2,054$171
40Ford Escape$2,062$172
41Toyota Venza$2,062$172
42Honda Odyssey$2,064$172
43Nissan Sentra$2,072$173
44Subaru Impreza$2,076$173
45Chevrolet Equinox$2,080$173
46Toyota RAV4$2,086$174
47Mazda MX-5 Miata$2,092$174
48Mazda MX-30$2,096$175
49Hyundai Tucson$2,100$175
50Chevrolet Traverse$2,110$176
51Jaguar E-Pace$2,112$176
52Toyota Prius$2,112$176
53Nissan Titan$2,114$176
54Chevrolet Tahoe$2,122$177
55Mitsubishi Outlander Sport$2,122$177
56Cadillac XT5$2,132$178
57Lexus NX 350h$2,132$178
58Chevrolet Trax$2,134$178
59Mitsubishi Outlander PHEV$2,134$178
60Ford Edge$2,136$178
61Nissan Frontier$2,138$178
62Mini Cooper Clubman$2,140$178
63Kia Sorento$2,146$179
64Mini Cooper$2,146$179
65Ford Ranger$2,158$180
66Lincoln Corsair$2,158$180
67Mercedes-Benz GLB 250$2,162$180
68Lexus UX 250h$2,166$181
69Mitsubishi Eclipse Cross$2,168$181
70Jeep Renegade$2,176$181
71Kia K5$2,176$181
72Lexus NX 450h$2,178$182
73GMC Acadia$2,180$182
74Honda Accord$2,180$182
75Buick Enclave$2,184$182
76Ford Maverick$2,190$183
77Chevrolet Malibu$2,194$183
78Infiniti QX50$2,196$183
79Honda Pilot$2,200$183
80Mitsubishi Outlander$2,200$183
81Toyota Corolla$2,202$184
82Mercedes-Benz GLA250$2,204$184
83Mazda CX-9$2,206$184
84Kia Forte$2,208$184
85Mercedes-Benz GLA35 AMG$2,210$184
86Cadillac XT6$2,212$184
87Kia Sportage$2,214$185
88Hyundai Ioniq 5$2,222$185
89Infiniti QX60$2,222$185
90Nissan Ariya$2,222$185
91Volkswagen Arteon$2,222$185
92Mercedes-Benz AMG GLB35$2,226$186
93Nissan Versa$2,228$186
94Fiat 500X$2,230$186
95Subaru Legacy$2,230$186
96Chrysler Pacifica$2,232$186
97Mini Cooper Countryman$2,234$186
98Subaru Solterra$2,238$187
99Chevrolet Suburban$2,240$187
100Honda Ridgeline$2,242$187

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Illinois Zip Codes. Updated June 27, 2025

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Top 100 cheapest vehicles to insure in Illinois with the Subaru Crosstrek ranking first at $1,670 per year
Top 100 cheapest vehicles to insure in Illinois with the Subaru Crosstrek ranking first at $1,670 per year

How does Illinois car insurance compare to other states?

When compared to surrounding states, the average cost of car insurance in Illinois is 10.6% more than Indiana, 13.4% more than Wisconsin, 17.5% more than Iowa, 17.6% less than Missouri, and  13.9% less than Kentucky.

When compared to states in the south and on the coasts, average Illinois car insurance rates are 22.7% cheaper than California, 19.6% cheaper than Florida, 3.8% cheaper than Texas, and 19.5% cheaper than New York.

The next chart shows how average Illinois auto insurance rates compare to the rest of the states in the Midwest. Illinois car insurance cost ranks eighth out of the 12 states in the Midwest region for affordability, and out of all 50 states, Illinois ranks 19th for cheapest car insurance cost.

Average cost of car insurance in Illinois compared to other Midwest region states.
Figure 2: Average cost of car insurance in Illinois compared to other Midwest region states. Rates updated on June 26, 2025.
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Average Car Insurance Cost in Illinois Compared to Midwest Region
Midwest Region States Average Annual Premium Cost Difference
Iowa$1,898-$364
Ohio$1,948-$314
Wisconsin$1,978-$284
Indiana$2,034-$228
North Dakota$2,174-$88
Nebraska$2,188-$74
Minnesota$2,228-$34
Illinois$2,262--
Kansas$2,450$188
South Dakota$2,524$262
Missouri$2,698$436
Michigan$2,858$596

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Illinois Zip Codes. Updated June 26, 2025

Average rates in select Illinois cities

Average annual and monthly car insurance rates are shown below for some of the larger metro areas in Illinois. Click and visit any page for detailed rates including the cheapest models to insure in each city.