Cheapest Car Insurance in Illinois for 2023

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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How much is average car insurance cost in Illinois?

Average car insurance in Illinois costs $1,546 per year, with the average monthly cost being $129 for full coverage. When compared to the national average rate in the U.S., Illinois car insurance rates are 8.2% cheaper.

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 – $1,574 per year ($131 per month)
  2. Honda CR-V compact SUV – $1,310 per year ($109 per month)
  3. Chevrolet Equinox compact SUV – $1,394 per year ($116 per month)
  4. Toyota RAV4 compact SUV – $1,432 per year ($119 per month)
  5. Chevrolet Silverado pickup – $1,692 per year ($141 per month)

Other top-selling vehicles in Illinois and their average annual car insurance cost include the Nissan Rogue at $1,426 per year, the Toyota Camry at $1,470, the Toyota Corolla at $1,454, and the Ford Explorer with an average cost of $1,316 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 2023 vehicle models including luxury brand cars and SUVs.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Illinois car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Illinois zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in Illinois
Average Car Insurance Cost in Illinois
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,606$217
$500$3,078$257
$250$3,576$298
30$1,000$1,366$114
$500$1,630$136
$250$1,906$159
40$1,000$1,304$109
$500$1,546$129
$250$1,798$150
50$1,000$1,194$100
$500$1,410$118
$250$1,638$137
60$1,000$1,168$97
$500$1,380$115
$250$1,604$134

The average cost of car insurance in Illinois illustrated above ranges from $1,168 per year for a 60-year-old driver with a high deductible policy (the lowest cost) to $3,576 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 $97 to $298 for those same drivers. Remember, these are average rates for all 2023 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 Chevrolet Trailblazer takes top honors for the overall cheapest car insurance cost in Illinois. Other models with great car insurance rates include the Nissan Kicks, Nissan Rogue Sport, Kia Seltos, Hyundai Venue, and Honda HR-V.

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 $1,580 per year, Lexus RX 350 at $1,382 per year, BMW X3 at $1,822 per year, and the Mercedes-Benz GLC300 at $1,572 per year.

The table below shows the 2023 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 Cost Monthly Cost
1Chevrolet Trailblazer$1,168$97
2Subaru Crosstrek$1,180$98
3Nissan Kicks$1,182$99
4Honda Passport$1,200$100
5Nissan Rogue Sport$1,204$100
6Mazda CX-5$1,214$101
7Buick Encore$1,230$103
8Buick Envision$1,236$103
9Kia Seltos$1,250$104
10Subaru Ascent$1,256$105
11Hyundai Venue$1,264$105
12Subaru Impreza$1,280$107
13Honda HR-V$1,284$107
14Ford Maverick$1,286$107
15Chevrolet Colorado$1,288$107
16Acura RDX$1,290$108
17Hyundai Kona$1,294$108
18Subaru Forester$1,302$109
19Ford Edge$1,310$109
20Honda CR-V$1,310$109
21Mazda CX-30$1,314$110
22Ford Explorer$1,316$110
23Volkswagen Atlas$1,320$110
24Nissan Murano$1,326$111
25Chevrolet Trax$1,328$111
26Subaru Outback$1,330$111
27Nissan Frontier$1,334$111
28Volkswagen Tiguan$1,342$112
29Ford Bronco Sport$1,344$112
30GMC Terrain$1,372$114
31Fiat 500X$1,374$115
32Ford Ranger$1,374$115
33Kia Soul$1,374$115
34Mitsubishi Eclipse Cross$1,376$115
35Volkswagen Atlas Cross Sport$1,380$115
36Lexus RX 350$1,382$115
37Acura Integra$1,386$116
38Cadillac XT4$1,392$116
39Chevrolet Equinox$1,394$116
40Toyota Corolla Cross$1,394$116
41Volkswagen Taos$1,402$117
42GMC Canyon$1,406$117
43Toyota Venza$1,408$117
44Honda Odyssey$1,410$118
45Mazda CX-50$1,410$118
46Volkswagen Jetta$1,412$118
47Toyota Tacoma$1,414$118
48Hyundai Tucson$1,416$118
49Kia Sorento$1,416$118
50Ford Escape$1,420$118
51Subaru Legacy$1,422$119
52Volvo XC40$1,422$119
53Nissan Rogue$1,426$119
54Mazda MX-5 Miata$1,428$119
55Infiniti QX50$1,430$119
56Mazda MX-30$1,432$119
57Toyota RAV4$1,432$119
58Nissan Sentra$1,434$120
59Hyundai Palisade$1,436$120
60Kia Niro$1,436$120
61Hyundai Santa Cruz$1,440$120
62Mini Cooper$1,442$120
63Chevrolet Tahoe$1,446$121
64Lexus UX 250h$1,446$121
65Toyota 4Runner$1,446$121
66Jeep Compass$1,450$121
67Toyota Corolla$1,454$121
68Toyota Prius$1,454$121
69Volkswagen Golf$1,456$121
70Cadillac XT5$1,468$122
71Toyota Camry$1,470$123
72Mini Cooper Clubman$1,472$123
73Chevrolet Traverse$1,478$123
74GMC Acadia$1,478$123
75Mazda 3$1,482$124
76Honda Pilot$1,484$124
77Jeep Renegade$1,488$124
78Buick Enclave$1,494$125
79Kia K5$1,494$125
80Mercedes-Benz GLA250$1,498$125
81Toyota bz4X$1,500$125
82Chevrolet Bolt$1,502$125
83Cadillac XT6$1,504$125
84Chevrolet Malibu$1,504$125
85Mazda CX-9$1,504$125
86Mercedes-Benz GLB 250$1,504$125
87Nissan Pathfinder$1,504$125
88Chrysler 300$1,506$126
89Chrysler Pacifica$1,514$126
90Honda Civic$1,514$126
91Kia Forte$1,516$126
92Lexus NX 250$1,522$127
93Mitsubishi Mirage G4$1,526$127
94Mitsubishi Outlander Sport$1,532$128
95Nissan Titan$1,532$128
96Chevrolet Suburban$1,534$128
97Kia Telluride$1,534$128
98Honda Ridgeline$1,538$128
99Acura MDX$1,540$128
100Kia Sportage$1,542$129

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Illinois.Data last updated on December 30, 2022
    Top 100 Cheapest Car Insurance Rates in Illinois

    How does Illinois car insurance compare to other states?

    When compared to surrounding states, the average cost of car insurance in Illinois is 17.3% more than Indiana, 22.7% more than Wisconsin, 31% more than Iowa, 22.3% less than Missouri, and  18.1% less than Kentucky.

    When compared to states in the south and on the coasts, average Illinois car insurance rates are 27.6% cheaper than California, 29.6% cheaper than Florida, 5.6% cheaper than Texas, and 24.3% 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.

    Get Rates in Your AreaWhy is this important?

    Average Illinois Car Insurance Cost Compared to Midwest Region
    Average Car Insurance Cost in Illinois Compared to Midwest Region
    Midwest Region States Average Insurance Cost Annual Difference
    Iowa$1,180-$366
    Ohio$1,230-$316
    Wisconsin$1,260-$286
    Indiana$1,318-$228
    North Dakota$1,462-$84
    Nebraska$1,474-$72
    Minnesota$1,512-$34
    Illinois$1,546--
    Kansas$1,738$192
    South Dakota$1,812$266
    Missouri$1,990$444
    Michigan$2,414$868

    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.