- Average car insurance cost in Illinois is $1,078 per year, or around $90 per month, for a full-coverage policy.
- Vehicles with cheap car insurance in Illinois tend to be from the compact SUV segment, like the Mazda CX-3, Honda CR-V, Subaru Forester, and Kia Sportage.
- Illinois ranks third out of 12 Midwest region states for cheapest car insurance rates, and ranks 9th out of all 50 states.
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:
- Ford F-150 pickup – $1,030 per year ($86 per month)
- Honda CR-V compact SUV – $816 per year ($68 per month)
- Chevrolet Equinox compact SUV – $972 per year ($81 per month)
- Toyota RAV4 compact SUV – $1,036 per year ($86 per month)
- 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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
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.
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.
|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.