Cheapest Car Insurance in Illinois for 2022

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.

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How much is average car insurance cost in Illinois?

Average car insurance in Illinois costs $1,232 per year, with the average monthly cost being $103 for full coverage. When compared to the national average rate in the U.S., Illinois car insurance rates are 20.6% 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 – $1,188 per year ($99 per month)
  2. Honda CR-V compact SUV – $1,078 per year ($90 per month)
  3. Chevrolet Equinox compact SUV – $1,148 per year ($96 per month)
  4. Toyota RAV4 compact SUV – $1,162 per year ($97 per month)
  5. Chevrolet Silverado pickup – $1,322 per year ($110 per month)

Other top-selling vehicles in Illinois and their average annual car insurance cost include the Nissan Rogue at $1,204 per year, the Toyota Camry at $1,212, the Toyota Corolla at $1,212, and the Ford Explorer with an average cost of $1,156 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 2022 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 2022 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 May 19, 2022
Average Car Insurance Cost in Illinois
Average Car Insurance Cost in Illinois
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,072$173
$500$2,440$203
$250$2,830$236
30$1,000$1,086$91
$500$1,294$108
$250$1,508$126
40$1,000$1,040$87
$500$1,232$103
$250$1,428$119
50$1,000$948$79
$500$1,118$93
$250$1,296$108
60$1,000$930$78
$500$1,096$91
$250$1,272$106

The average cost of car insurance in Illinois illustrated above ranges from $930 per year for a 60-year-old driver with a high deductible policy (the lowest cost) to $2,830 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 $78 to $236 for those same drivers. Remember, these are average rates for all 2022 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 Mazda CX-5 takes top honors for the overall cheapest car insurance cost in Illinois. Other models with great car insurance rates include the Chevrolet Trailblazer, Honda Passport, Nissan Rogue Sport, Buick Envision, and Acura RDX.

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 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 Kia Sedona 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 $1,294 per year, Lexus RX 350 at $1,266 per year, BMW X3 at $1,508 per year, and the Mercedes-Benz GLC300 at $1,306 per year.

The table below shows the 2022 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
1Mazda CX-5$936$78
2Nissan Kicks$960$80
3Chevrolet Trailblazer$966$81
4Subaru Crosstrek$986$82
5Honda Passport$990$83
6Chevrolet Colorado$1,014$85
7Buick Encore$1,016$85
8Toyota C-HR$1,018$85
9Nissan Rogue Sport$1,026$86
10Hyundai Venue$1,044$87
11Buick Envision$1,046$87
12Kia Seltos$1,048$87
13Ford Maverick$1,052$88
14Acura RDX$1,054$88
15Subaru Ascent$1,056$88
16Toyota Corolla Cross$1,056$88
17Hyundai Kona$1,066$89
18Mazda MX-5 Miata$1,066$89
19Subaru Forester$1,066$89
20Subaru Impreza$1,068$89
21Volkswagen Tiguan$1,068$89
22Chevrolet Spark$1,072$89
23Honda CR-V$1,078$90
24Cadillac XT4$1,080$90
25Mazda CX-30$1,088$91
26Ford Ranger$1,092$91
27Honda HR-V$1,106$92
28Ford Edge$1,108$92
29Ford Ecosport$1,114$93
30Chevrolet Trax$1,128$94
31Subaru Outback$1,128$94
32Acura ILX$1,134$95
33GMC Terrain$1,134$95
34Mitsubishi Eclipse Cross$1,136$95
35Hyundai Tucson$1,142$95
36Nissan Murano$1,142$95
37Toyota Tacoma$1,144$95
38Chevrolet Bolt$1,148$96
39Chevrolet Equinox$1,148$96
40Honda Odyssey$1,148$96
41Toyota Venza$1,150$96
42Volkswagen Taos$1,154$96
43Ford Explorer$1,156$96
44Fiat 500X$1,158$97
45Toyota RAV4$1,162$97
46Kia Sorento$1,164$97
47Kia Soul$1,164$97
48Nissan Frontier$1,172$98
49GMC Canyon$1,180$98
50Hyundai Palisade$1,180$98
51Hyundai Santa Cruz$1,182$99
52Volkswagen Golf$1,182$99
53Volvo XC40$1,184$99
54Volkswagen Atlas$1,186$99
55Ford F150$1,188$99
56Mazda MX-30$1,188$99
57Jeep Compass$1,192$99
58Subaru Legacy$1,192$99
59Honda Insight$1,196$100
60Kia Niro$1,196$100
61Volkswagen Jetta$1,196$100
62Honda Ridgeline$1,198$100
63Nissan Sentra$1,200$100
64Toyota 4Runner$1,200$100
65Nissan Rogue$1,204$100
66Jeep Gladiator$1,208$101
67Kia K5$1,208$101
68Cadillac XT5$1,210$101
69Ford Escape$1,210$101
70Mercedes-Benz A220$1,210$101
71Toyota Camry$1,212$101
72Toyota Corolla$1,212$101
73Kia Rio$1,214$101
74Honda Civic$1,216$101
75Mazda 3$1,216$101
76Volkswagen Passat$1,216$101
77Hyundai Ioniq 5$1,222$102
78Mini Cooper Clubman$1,222$102
79Jeep Renegade$1,224$102
80Lexus NX 250$1,224$102
81Mazda 6$1,224$102
82BMW X1$1,226$102
83Kia Sportage$1,230$103
84Toyota Prius$1,230$103
85Lexus UX 250h$1,232$103
86Volkswagen Atlas Cross Sport$1,232$103
87Chrysler Pacifica$1,234$103
88GMC Acadia$1,234$103
89Lexus NX 350h$1,234$103
90Chevrolet Tahoe$1,236$103
91Ford Bronco$1,236$103
92Mazda CX-9$1,236$103
93Toyota Highlander$1,238$103
94Hyundai Accent$1,244$104
95Nissan Pathfinder$1,244$104
96Honda Pilot$1,248$104
97Mitsubishi Outlander Sport$1,250$104
98GMC Sierra$1,252$104
99Lexus NX 350$1,254$105
100Volkswagen ID4$1,254$105

    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 December 30, 2021
    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 8.3% less than Indiana, 18.9% less than Wisconsin, 11.8% more than Iowa, 23.7% less than Missouri, and  30.5% less than Kentucky.

    When compared to states in the south and on the coasts, average Illinois car insurance rates are 29.4% cheaper than California, 44.7% cheaper than Florida, 14.2% cheaper than Texas, and 24% 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 #5 out of the 12 states in the Midwest region for affordability, and out of all 50 states, Illinois ranks at #15 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
    Ohio$888-$344
    Wisconsin$1,036-$196
    Iowa$1,102-$130
    Indiana$1,138-$94
    Illinois$1,232--
    North Dakota$1,268$36
    Minnesota$1,338$106
    South Dakota$1,378$146
    Nebraska$1,456$224
    Kansas$1,534$302
    Missouri$1,614$382
    Michigan$2,424$1,192

    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.