- Average car insurance cost in Illinois is $1,546 per year, or around $129 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 $1,546 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:
- Ford F-150 pickup – $1,574 per year ($131 per month)
- Honda CR-V compact SUV – $1,310 per year ($109 per month)
- Chevrolet Equinox compact SUV – $1,394 per year ($116 per month)
- Toyota RAV4 compact SUV – $1,432 per year ($119 per month)
- 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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
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.
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.
|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 - $1,838 per year or $153 per month
- Aurora Car Insurance - $1,436 per year or $120 per month
- Rockford Car Insurance - $1,472 per year or $123 per month
- Joliet Car Insurance - $1,510 per year or $126 per month
- Naperville Car Insurance - $1,408 per year or $117 per month
- Springfield Car Insurance - $1,390 per year or $116 per month
- Peoria Car Insurance - $1,420 per year or $118 per month
- Elgin Car Insurance - $1,474 per year or $123 per month