Cheapest Car Insurance in Illinois for 2021

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 QuoteCompare Illinois car insurance rates and save on your next policy.

How much is average car insurance cost in Illinois?

Average car insurance in Illinois costs $1,078 per year, with the average monthly cost being $90 for full coverage. When compared to the national average rate in the U.S., Illinois car insurance rates are 29.2% 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 – $1,030 per year ($86 per month)
  2. Honda CR-V compact SUV – $816 per year ($68 per month)
  3. Chevrolet Equinox compact SUV – $972 per year ($81 per month)
  4. Toyota RAV4 compact SUV – $1,036 per year ($86 per month)
  5. Chevrolet Silverado pickup – $1,122 per year ($94 per month)

Other top-selling vehicles in Illinois and their average annual car insurance cost include the Nissan Rogue at $970 per year, the Toyota Camry at $1,078, the Toyota Corolla at $936, and the Ford Explorer with an average cost of $1,066 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 2021 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Illinois zip codes.
Average Car Insurance Cost in Illinois
Average Car Insurance Cost in Illinois
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,814$151
$500$2,140$178
$250$2,482$207
30$1,000$954$80
$500$1,134$95
$250$1,324$110
40$1,000$910$76
$500$1,078$90
$250$1,252$104
50$1,000$832$69
$500$982$82
$250$1,138$95
60$1,000$818$68
$500$964$80
$250$1,118$93

The average cost of car insurance in Illinois illustrated above ranges from $818 per year for a 60-year-old driver with a high deductible policy (the lowest cost) to $2,482 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 $68 to $207 for those same drivers. Remember, these are average rates for all 2021 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 Forester takes top honors for the overall cheapest car insurance cost in Illinois. Other models with great car insurance rates include the Honda CR-V, Ford Edge, Volvo XC40, Subaru Outback, Toyota Tacoma, and Kia Telluride.

From a segment perspective, compact SUVs (like the Forester and 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 tend to cost more to insure than midsize cars and SUVs but still rank fairly well include mid and full-size trucks like the Toyota Tacoma, Ford Ranger, and Ford F-150 and minivans like the Kia Sedona and Chrysler Pacifica.

A few luxury models make the top 100 list, but average luxury car insurance rates in Illinois are higher than average. This includes models like the Tesla Model 3 at $1,234 per year, Lexus RX 350 at $1,092 per year, BMW X3 at $1,176 per year, and the Mercedes-Benz GLC300 at $1,082 per year.

The table below shows the 2021 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
1Subaru Forester$804$67
2Honda CR-V$816$68
3Ram Promaster City$840$70
4Mazda CX-3$846$71
5Toyota C-HR$852$71
6Kia Sportage$854$71
7Ford Edge$858$72
8Volkswagen Golf$862$72
9Mazda CX-5$870$73
10Subaru Crosstrek$878$73
11Chevrolet Spark$886$74
12Hyundai Venue$892$74
13Volvo XC40$892$74
14Volkswagen Atlas$902$75
15Kia Soul$904$75
16Hyundai Kona$906$76
17Subaru Impreza$908$76
18Jeep Compass$912$76
19Subaru Outback$912$76
20Toyota Tacoma$912$76
21Kia Telluride$914$76
22Chevrolet Blazer$916$76
23Kia Rio5$916$76
24Kia Sedona$916$76
25Mazda CX-30$916$76
26Nissan Kicks$916$76
27Chevrolet Colorado$918$77
28Ford Escape$918$77
29Honda Passport$920$77
30Hyundai Tucson$922$77
31Mitsubishi Eclipse Cross$922$77
32Subaru Ascent$922$77
33Nissan Frontier$928$77
34Volkswagen Tiguan$930$78
35Acura RDX$934$78
36Honda Pilot$934$78
37Ford Ecosport$936$78
38Toyota Corolla$936$78
39Buick Envision$942$79
40Kia Seltos$944$79
41Nissan Rogue Sport$950$79
42Chevrolet Trax$954$80
43Chevrolet Trailblazer$956$80
44Buick Encore$962$80
45Cadillac XT4$962$80
46Chevrolet Express$966$81
47Jeep Renegade$968$81
48Nissan Rogue$970$81
49Chevrolet Equinox$972$81
50Nissan Murano$972$81
51Nissan NV$972$81
52Ford Transit Connect$980$82
53Fiat 500X$984$82
54Chrysler Pacifica$986$82
55GMC Savana$992$83
56Mazda MX-5 Miata$992$83
57Ford Ranger$996$83
58Hyundai Palisade$996$83
59Mazda 6$1,000$83
60GMC Terrain$1,002$84
61Honda Insight$1,002$84
62Jeep Gladiator$1,002$84
63Acura ILX$1,006$84
64Subaru Legacy$1,008$84
65Honda Civic$1,012$84
66Honda HR-V$1,014$85
67Volvo V60$1,016$85
68Acura MDX$1,020$85
69Cadillac XT5$1,020$85
70Toyota 4Runner$1,024$85
71Kia Rio$1,026$86
72Mazda 3$1,028$86
73Ford F150$1,030$86
74Lexus NX 300$1,030$86
75Ram Promaster$1,030$86
76Volvo XC60$1,030$86
77Volkswagen ID4$1,034$86
78Honda Ridgeline$1,036$86
79Kia Niro$1,036$86
80Toyota RAV4$1,036$86
81Volvo XC90$1,038$87
82Buick Enclave$1,040$87
83Honda Accord$1,040$87
84Kia Sorento$1,040$87
85Lincoln Nautilus$1,040$87
86Volkswagen Passat$1,046$87
87Toyota Sienna$1,048$87
88GMC Sierra$1,052$88
89Kia Forte$1,052$88
90Chevrolet Malibu$1,054$88
91Mercedes-Benz A220$1,054$88
92Mini Cooper Countryman$1,054$88
93Honda Odyssey$1,058$88
94GMC Canyon$1,062$89
95Toyota Sequoia$1,064$89
96Ford Explorer$1,066$89
97Lexus UX 250H$1,066$89
98Nissan Sentra$1,066$89
99Toyota Tundra$1,068$89
100Volkswagen GTI$1,068$89

    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.
    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 2.2% less than Indiana, 2.4% less than Wisconsin, 7.6% more than Iowa, 19.1% less than Missouri, and  37.2% less than Kentucky.

    When compared to states in the south and on the coasts, average Illinois car insurance rates are 35.7% cheaper than California, 47.3% cheaper than Florida, 26.8% cheaper than Texas, and 35.9% 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 #3 out of the 12 states in the Midwest region for affordability, and out of all 50 states, Illinois ranks in the top ten at #9 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$1,002-$76
    Ohio$1,024-$54
    Illinois$1,078--
    Indiana$1,102$24
    Wisconsin$1,104$26
    North Dakota$1,168$90
    Nebraska$1,200$122
    South Dakota$1,254$176
    Kansas$1,318$240
    Missouri$1,332$254
    Minnesota$1,346$268
    Michigan$2,720$1,642

    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.