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.

Start a Free QuoteCompare Illinois car insurance quotes and save on your next policy.

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:

  1. Ford F-150 pickup – $1,614 per year ($135 per month)
  2. Honda CR-V compact SUV – $1,344 per year ($112 per month)
  3. Chevrolet Equinox compact SUV – $1,426 per year ($119 per month)
  4. Toyota RAV4 compact SUV – $1,470 per year ($123 per month)
  5. 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.

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 August 11, 2023
Average Car Insurance Cost in Illinois
Average Car Insurance Cost in Illinois
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.

Top 100 Cheapest Car Insurance Rates in Illinois
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,202$100
2Subaru Crosstrek$1,210$101
3Nissan Kicks$1,216$101
4Honda Passport$1,230$103
5Nissan Rogue Sport$1,236$103
6Mazda CX-5$1,244$104
7Buick Encore$1,264$105
8Buick Envision$1,266$106
9Kia Seltos$1,286$107
10Subaru Ascent$1,290$108
11Hyundai Venue$1,294$108
12Subaru Impreza$1,312$109
13Ford Maverick$1,316$110
14Honda HR-V$1,318$110
15Chevrolet Colorado$1,320$110
16Acura RDX$1,324$110
17Hyundai Kona$1,330$111
18Subaru Forester$1,338$112
19Ford Edge$1,342$112
20Honda CR-V$1,344$112
21Mazda CX-30$1,348$112
22Volkswagen Atlas$1,352$113
23Ford Explorer$1,354$113
24Chevrolet Trax$1,362$114
25Nissan Murano$1,364$114
26Subaru Outback$1,364$114
27Nissan Frontier$1,368$114
28Volkswagen Tiguan$1,378$115
29Ford Bronco Sport$1,382$115
30Fiat 500X$1,406$117
31Ford Ranger$1,408$117
32GMC Terrain$1,410$118
33Kia Soul$1,412$118
34Mitsubishi Eclipse Cross$1,416$118
35Volkswagen Atlas Cross Sport$1,416$118
36Lexus RX 350$1,418$118
37Acura Integra$1,426$119
38Chevrolet Equinox$1,426$119
39Cadillac XT4$1,432$119
40Toyota Corolla Cross$1,432$119
41Volkswagen Taos$1,436$120
42GMC Canyon$1,438$120
43Toyota Venza$1,446$121
44Hyundai Tucson$1,448$121
45Mazda CX-50$1,448$121
46Toyota Tacoma$1,448$121
47Honda Odyssey$1,450$121
48Volkswagen Jetta$1,450$121
49Ford Escape$1,454$121
50Kia Sorento$1,456$121
51Volvo XC40$1,456$121
52Nissan Rogue$1,458$122
53Subaru Legacy$1,460$122
54Mazda MX-5 Miata$1,464$122
55Infiniti QX50$1,468$122
56Nissan Sentra$1,470$123
57Toyota RAV4$1,470$123
58Hyundai Palisade$1,472$123
59Hyundai Santa Cruz$1,472$123
60Kia Niro$1,472$123
61Mazda MX-30$1,472$123
62Mini Cooper$1,480$123
63Lexus UX 250h$1,484$124
64Toyota 4Runner$1,486$124
65Chevrolet Tahoe$1,488$124
66Jeep Compass$1,488$124
67Toyota Corolla$1,488$124
68Volkswagen Golf$1,492$124
69Toyota Prius$1,496$125
70Mini Cooper Clubman$1,506$126
71Toyota Camry$1,506$126
72Cadillac XT5$1,508$126
73GMC Acadia$1,510$126
74Chevrolet Traverse$1,514$126
75Mazda 3$1,522$127
76Honda Pilot$1,524$127
77Buick Enclave$1,530$128
78Jeep Renegade$1,530$128
79Kia K5$1,530$128
80Chevrolet Bolt$1,536$128
81Nissan Pathfinder$1,538$128
82Mercedes-Benz GLA250$1,540$128
83Toyota bz4X$1,542$129
84Cadillac XT6$1,544$129
85Chevrolet Malibu$1,544$129
86Mazda CX-9$1,544$129
87Mercedes-Benz GLB 250$1,544$129
88Chrysler 300$1,546$129
89Chrysler Pacifica$1,552$129
90Honda Civic$1,552$129
91Kia Forte$1,556$130
92Mitsubishi Mirage G4$1,562$130
93Lexus NX 250$1,564$130
94Mitsubishi Outlander Sport$1,566$131
95Nissan Titan$1,568$131
96Chevrolet Suburban$1,572$131
97Honda Ridgeline$1,574$131
98Kia Telluride$1,576$131
99Acura MDX$1,578$132
100Kia Sportage$1,582$132

    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 August 12, 2023
    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 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.

    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
    North Dakota$1,500-$86
    South Dakota$1,852$266

    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.