Here's what you need to know when driving in Illinois
Across the Prairie State, there are 292,789 miles of road just waiting to be driven. The average car insurance rate in Illinois is $1,394 per year — 9% less than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Illinois car insurance rates for these rating factors in an effort to help you find an affordable policy.
Read on to learn how much auto insurance costs in Illinois based on these variables, or submit your ZIP code above to receive custom auto quotes from top insurers.
The best car insurance companies in Illinois
Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Illinois.
Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 879 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the state of Illinois.
As a highly-rated regional carrier, Erie Insurance scored an 857 on J.D. Power's 2021 auto study.
State Farm placed third in this region with a score of 857 in J.D. Power's 2021 Auto Insurance Study. This carrier also received 4.5 stars out of 5 in The Zebra's Customer Satisfaction Survey.
The cheapest car insurance companies in Illinois
These companies offer the cheapest rates in the following scenarios.
The cheapest rates are from Travelers at $1,108 annually, or $92 per month.
For the minimum required coverage in Illinois, GEICO is the cheapest on average.
If you have a DUI on your record, check out Travelers for the cheapest average rates.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Illinois auto insurance laws
Car insurance is mandatory in almost every state, including Illinois. If you choose the legal minimum coverage level in Illinois, expect to pay an average of $516 annually. This expenditure is less expensive than the nationwide average by 4%.
For the legal minimum coverage level in Illinois, expect to pay about $516 per year.
State minimum coverage
In order to drive legally in the state of Illinois, you must carry at least the minimum liability limits listed below:
- Bodily Injury $25,000 per person
- Bodily Injury $50,000 per accident
- Property Damage $20,000 per accident
- Bodily Injury $25,000 per person
- Bodily Injury $50,000 per accident
Optional coverage in Illinois (varies by carrier):
- Loan/Lease Payoff
- Medical and Funeral Services
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured Motorist Property Damage
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Illinois, a comprehensive insurance policy with a $1,000 deductible costs $1,240, 140% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 191% more than you would for basic coverage.
In Illinois, a comprehensive insurance policy with a $1,000 deductible costs $1,240, 140% more than liability-only car insurance
Compare car insurance rates from the best companies in Illinois.
Illinois car insurance premiums by rating factor
Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Illinois.
Cheap auto insurance in Illinois for minimum coverage
Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Illinois, the average cost for minimum coverage is $43 per month, or $516 yearly — a savings of $983 compared to full coverage.
Cheap auto insurance in Illinois with bad credit
Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Illinois drivers with poor credit pay 52% more per year than those with exceptional credit. Have a look at some common rates by credit tier below.
Cheap auto insurance in Illinois with an at-fault accident
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $678 per year.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
Cheap auto insurance for young drivers in Illinois
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Illinois, teen drivers pay especially high rates: $4,409 per year — that's $387 less than the nationwide average and over twice as much as a typical Illinois driver.
Illinois auto insurance rate by violation
In Illinois, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,523||1%||$9|
|One comp claim||$1,622||7%||$108|
|Two Med/PIP claims||$1,625||7%||$111|
|Two comp claims||$1,754||16%||$240|
|Driving without lights||$1,762||16%||$248|
|Child safety restraint||$1,766||17%||$252|
|Failure to show documents||$1,799||19%||$285|
|Failure to wear a seat belt||$1,824||20%||$310|
|Driving with expired registration||$1,832||21%||$318|
|Speeding 6 - 10 MPH over limit||$1,851||22%||$337|
|Speeding 11 - 15 MPH over limit||$1,898||25%||$384|
|Driving too slowly||$1,907||26%||$393|
|Failure to yield||$1,914||26%||$400|
|At-fault accident - less than $1000||$1,914||26%||$400|
|Failure to stop at a red light||$1,918||27%||$404|
|Speeding 16 - 20 MPH over limit||$1,920||27%||$406|
|Speeding in school zone||$1,922||27%||$408|
|Following too closely||$1,936||28%||$422|
|Wrong way/wrong lane||$1,956||29%||$443|
|Texting while driving||$1,966||30%||$452|
|Cell phone violation||$1,966||30%||$452|
|Passing school bus||$1,989||31%||$475|
|Speeding 21 - 25 MPH over limit||$2,025||34%||$511|
|In 65 MPH zone||$2,103||39%||$589|
|Operating a vehicle without permission||$2,110||39%||$596|
|At-fault accident - $1000-$2000||$2,170||43%||$656|
|At-fault accident - greater than $2000||$2,194||45%||$680|
|Driving with a suspended license||$2,754||82%||$1,240|
|Refusal to submit to a chemical test||$2,768||83%||$1,255|
|Leaving scene of an accident/hit and run||$2,827||87%||$1,313|
Illinois DUI laws
In Illinois, a DUI offense can increase your annual car insurance premium by an average of $578. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Illinois
If you're convicted of a DUI or DWI violation in Illinois, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Illinois, Travelers, advertises annual rates 19% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Illinois is State Farm, while the priciest firm is Allstate, with prices 59% above average.
There is no car insurer in particular that offers inexpensive DUI auto insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Illinois SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Illinois to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Illinois might require some research, but it could pay off in the end.
How to acquire an SR-22 in Illinois
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Illinois in minutes!
Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Twin Grove, Illinois, and the most expensive in Dolton, Illinois.
Have a look at the table below to see average car insurance costs in some of Illinois's biggest cities.
Car insurance price trends in Illinois
In Illinois, average annual auto insurance costs increased by $110 in the past year. A typical Illinois driver pays an average of $1,395 per year.
The recent pricing trend in Illinois leans toward slightly cheaper car insurance costs than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
|Year||Avg. Annual Premium — Illinois||Yearly Change — Illinois||Avg. Annual Premium — US||Yearly Change — US|
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Illinois car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Illinois auto insurance.
Who has the cheapest car insurance in Illinois?
The Hartford ($380 per month) and Pekin Insurance ($434 per month) are the cheapest providers for a typical Illinois driver. The only real way to find the cheapest rates for you is to shop around. Using The Zebra's insurance comparison tool, you can compare top providers such as GEICO, State Farm, and Progressive for free with no obligation.
How expensive is car insurance in Illinois?
Compared to the rest of the U.S., Illinois is 25% less expensive than average. However, if you're living in a big city like Chicago, you should expect to pay more. On average, drivers in Chicago pay $314 more per year for car insurance than drivers in the rest of Illinois.
What is the average cost of car insurance in Illinois?
The average driver in Illinois pays $558 for a six-month policy. This amount will vary by city and driver profile.
Is Illinois a no-fault state for car insurance?
No. Illinois is an at-fault state. You are responsible for any damage you cause to another vehicle. Fault can only be determined by an insurance adjuster.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.