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 $2,304 per year, with the average monthly cost being $192 for full coverage. When compared to the national average rate in the U.S., Illinois car insurance rates are 1.2% 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 – $2,578 per year ($215 per month)
  2. Honda CR-V compact SUV – $1,966 per year ($164 per month)
  3. Chevrolet Equinox compact SUV – $2,124 per year ($177 per month)
  4. Toyota RAV4 compact SUV – $2,126 per year ($177 per month)
  5. Chevrolet Silverado pickup – $2,550 per year ($213 per month)

Other top-selling vehicles in Illinois and their average annual car insurance cost include the Nissan Rogue at $2,070 per year, the Toyota Camry at $2,474, the Toyota Corolla at $2,244, and the Ford Explorer with an average cost of $2,092 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 October 24, 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$3,922$327
$500$4,636$386
$250$5,392$449
30$1,000$2,064$172
$500$2,460$205
$250$2,874$240
40$1,000$1,938$162
$500$2,304$192
$250$2,686$224
50$1,000$1,728$144
$500$2,044$170
$250$2,374$198
60$1,000$1,618$135
$500$1,914$160
$250$2,222$185

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 October 24, 2025

The average cost of car insurance in Illinois illustrated above ranges from $1,618 per year for a 60-year-old driver with a high deductible policy (the lowest cost) to $5,392 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 $135 to $449 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 $2,706 per year, Lexus RX 350 at $2,312 per year, BMW X3 at $2,720 per year, and the Mercedes-Benz GLC300 at $2,470 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$1,702$142
2Chevrolet Trailblazer$1,732$144
3Kia Soul$1,802$150
4Nissan Kicks$1,814$151
5Honda Passport$1,836$153
6Buick Envision$1,846$154
7Toyota Corolla Cross$1,858$155
8Hyundai Venue$1,874$156
9Mazda CX-5$1,880$157
10Ford Bronco Sport$1,888$157
11Volkswagen Tiguan$1,906$159
12Acura RDX$1,926$161
13Nissan Murano$1,936$161
14Buick Encore$1,958$163
15Subaru Outback$1,964$164
16Honda CR-V$1,966$164
17Buick Envista$1,972$164
18Volkswagen Taos$1,976$165
19Kia Niro$1,984$165
20Toyota GR Corolla$2,002$167
21Subaru Ascent$2,006$167
22Honda HR-V$2,008$167
23Nissan Leaf$2,020$168
24Chevrolet Colorado$2,030$169
25Honda Civic$2,040$170
26Lexus NX 250$2,040$170
27Volkswagen Atlas$2,044$170
28Acura Integra$2,050$171
29Subaru Forester$2,050$171
30Volkswagen Atlas Cross Sport$2,054$171
31Kia Seltos$2,060$172
32GMC Terrain$2,064$172
33Nissan Rogue$2,070$173
34Hyundai Kona$2,074$173
35Mazda CX-30$2,080$173
36Cadillac XT4$2,082$174
37Ford Explorer$2,092$174
38Volkswagen ID4$2,092$174
39Toyota Highlander$2,098$175
40Toyota Venza$2,102$175
41Ford Escape$2,104$175
42Honda Odyssey$2,106$176
43Nissan Sentra$2,110$176
44Subaru Impreza$2,120$177
45Chevrolet Equinox$2,124$177
46Toyota RAV4$2,126$177
47Mazda MX-5 Miata$2,134$178
48Mazda MX-30$2,140$178
49Hyundai Tucson$2,142$179
50Chevrolet Traverse$2,152$179
51Jaguar E-Pace$2,154$180
52Nissan Titan$2,154$180
53Toyota Prius$2,154$180
54Chevrolet Tahoe$2,166$181
55Mitsubishi Outlander Sport$2,166$181
56Mitsubishi Outlander PHEV$2,174$181
57Cadillac XT5$2,176$181
58Chevrolet Trax$2,176$181
59Lexus NX 350h$2,176$181
60Nissan Frontier$2,178$182
61Ford Edge$2,180$182
62Mini Cooper Clubman$2,184$182
63Kia Sorento$2,188$182
64Mini Cooper$2,190$183
65Ford Ranger$2,202$184
66Lincoln Corsair$2,204$184
67Mercedes-Benz GLB 250$2,208$184
68Lexus UX 250h$2,210$184
69Mitsubishi Eclipse Cross$2,212$184
70Jeep Renegade$2,216$185
71Kia K5$2,220$185
72Lexus NX 450h$2,222$185
73GMC Acadia$2,226$186
74Honda Accord$2,226$186
75Buick Enclave$2,230$186
76Chevrolet Malibu$2,236$186
77Ford Maverick$2,236$186
78Infiniti QX50$2,240$187
79Toyota Corolla$2,244$187
80Honda Pilot$2,246$187
81Mitsubishi Outlander$2,246$187
82Mercedes-Benz GLA250$2,248$187
83Kia Forte$2,250$188
84Mazda CX-9$2,250$188
85Mercedes-Benz GLA35 AMG$2,254$188
86Cadillac XT6$2,256$188
87Kia Sportage$2,256$188
88Volkswagen Arteon$2,264$189
89Hyundai Ioniq 5$2,266$189
90Infiniti QX60$2,268$189
91Mercedes-Benz AMG GLB35$2,272$189
92Nissan Versa$2,272$189
93Chrysler Pacifica$2,276$190
94Fiat 500X$2,276$190
95Subaru Legacy$2,276$190
96Mini Cooper Countryman$2,280$190
97Subaru Solterra$2,282$190
98Chevrolet Suburban$2,284$190
99Honda Ridgeline$2,288$191
100Mazda CX-50$2,288$191

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 October 24, 2025

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Top 100 cheapest vehicles to insure in Illinois with the Subaru Crosstrek ranking first at $1,702 per year
Top 100 cheapest vehicles to insure in Illinois with the Subaru Crosstrek ranking first at $1,702 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 10.2% more than Indiana, 13% more than Wisconsin, 17.1% more than Iowa, 17.4% less than Missouri, and  13.7% less than Kentucky.

When compared to states in the south and on the coasts, average Illinois car insurance rates are 22.4% cheaper than California, 19.2% cheaper than Florida, 3.8% cheaper than Texas, and 19.3% 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 October 24, 2025.
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Average Car Insurance Cost in Illinois Compared to Midwest Region
Midwest Region States Average Annual Premium Cost Difference
Iowa$1,942-$362
Ohio$1,992-$312
Wisconsin$2,022-$282
Indiana$2,080-$224
North Dakota$2,222-$82
Nebraska$2,234-$70
Minnesota$2,272-$32
Illinois$2,304--
Kansas$2,494$190
South Dakota$2,566$262
Missouri$2,742$438
Michigan$2,886$582

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 October 24, 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.