Average Car Insurance Cost in Illinois (2025)

The average monthly cost for car insurance in Illinois is $80 for liability-only insurance and $152 for full coverage. That’s lower than the national average of $103 for liability-only coverage and $182 for full coverage.

The lower rates could be due to multiple factors, such as Illinois’ below-average number of fatal crashes or the relatively minimal number of natural disasters that affect Illinois drivers. That said, average rates have increased in Illinois and throughout the country during the past two years.

Here’s what you should know about average car insurance costs in Illinois, including how to compare quotes.

How much is car insurance in Illinois?

Prairie State drivers who purchase liability-only insurance pay an average monthly premium of $80, or an annual rate of $963. That average jumps to $152 per month, or $1,821 per year, for full coverage, which includes collision and comprehensive insurance.

Keep in mind that the rate you qualify for may be higher or lower than the state average. But comparing your quotes to that figure can help you determine whether you need to take further steps to save money.

How Illinois car insurance rates have changed over the past two years

The average price for full-coverage car insurance in Illinois rose to $2,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Illinois.

See how Illinois car insurance prices have changed over the past two years below.

Average Illinois car insurance rates by city

Where you live can have a significant influence on your insurance premiums. In particular, drivers in different cities — or even ZIP codes — may face different accident, vehicle theft, and vandalism rates. If you live in an urban area, for example, you’ll generally pay more for car insurance than drivers in rural areas.1

Here’s a quick look at how auto insurance rates vary within the state of Illinois.

Average Illinois car insurance rates by age and gender

Age and gender are two more factors that can affect what you pay for car insurance. For example, men typically have more car accidents than women, which results in higher average rates.

Additionally, younger drivers — particularly teenagers — usually have more accidents than older drivers with more experience. As a result, teen drivers are more expensive to insure.

Below, you can find average rates in Illinois by gender and age group.

Average cost to insure popular vehicles in Illinois

Because different makes and models have varying repair costs, theft rates, safety records, and other features, drivers pay more to cover certain vehicles compared to others.

Here’s a look at the five most popular vehicles in the Prairie State and the average cost for a full-coverage insurance policy.

How your driving record affects car insurance rates in Illinois

While many broad risk factors can influence your monthly rate, your driving record is one factor within your control. Certain incidents — such as an accident, a speeding ticket, or driving under the influence (DUI) conviction — can result in a significant rate increase compared to drivers with clean records.

Below, you can compare average monthly full-coverage rates for a sample driver profile with an incident on their record versus average full-coverage rates for drivers without infractions.

How to lower your insurance costs in Illinois

Understanding what insurers consider when determining your rates can give you an advantage as you seek to maximize your savings on an insurance policy. Whether you’re looking for just the Illinois minimum required coverage or you want more protection, here are some tips to help you earn a better rate:

Illinois average car insurance cost FAQs