- Average car insurance cost in Illinois is $1,586 per year, or around $132 per month, for a full-coverage policy.
- Vehicles with cheap car insurance in Illinois tend to be from the compact SUV segment, like the Subaru Crosstrek, Nissan Kicks, Mazda CX-5, and Buick Envision.
- Illinois ranks eighth out of 12 Midwest region states for cheapest car insurance rates, and ranks 19th out of all 50 states.
How much is average car insurance cost in Illinois?
Average car insurance in Illinois costs $1,586 per year, with the average monthly cost being $132 for full coverage. When compared to the national average rate in the U.S., Illinois car insurance rates are 8.6% cheaper.
Average annual and monthly car insurance rates in Illinois for the top five most popular vehicles in the state are shown below:
- Ford F-150 pickup – $1,614 per year ($135 per month)
- Honda CR-V compact SUV – $1,344 per year ($112 per month)
- Chevrolet Equinox compact SUV – $1,426 per year ($119 per month)
- Toyota RAV4 compact SUV – $1,470 per year ($123 per month)
- Chevrolet Silverado pickup – $1,736 per year ($145 per month)
Other top-selling vehicles in Illinois and their average annual car insurance cost include the Nissan Rogue at $1,458 per year, the Toyota Camry at $1,506, the Toyota Corolla at $1,488, and the Ford Explorer with an average cost of $1,354 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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
The average cost of car insurance in Illinois illustrated above ranges from $1,198 per year for a 60-year-old driver with a high deductible policy (the lowest cost) to $3,664 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 $100 to $305 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 $1,620 per year, Lexus RX 350 at $1,418 per year, BMW X3 at $1,866 per year, and the Mercedes-Benz GLC300 at $1,616 per year.
The table below shows the 2023 model year vehicles that have the average cheapest car insurance quotes 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 15.6% more than Indiana, 20% more than Wisconsin, 26.2% more than Iowa, 24.6% less than Missouri, and 19.5% less than Kentucky.
When compared to states in the south and on the coasts, average Illinois car insurance rates are 31.2% cheaper than California, 33.6% cheaper than Florida, 5.5% cheaper than Texas, and 27.1% 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.
|Midwest Region States||Average Insurance Cost||Annual Difference|
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.
- Chicago Car Insurance - $1,878 per year or $157 per month
- Aurora Car Insurance - $1,474 per year or $123 per month
- Rockford Car Insurance - $1,508 per year or $126 per month
- Joliet Car Insurance - $1,548 per year or $129 per month
- Naperville Car Insurance - $1,448 per year or $121 per month
- Springfield Car Insurance - $1,428 per year or $119 per month
- Peoria Car Insurance - $1,458 per year or $122 per month
- Elgin Car Insurance - $1,514 per year or $126 per month