Explore how much it costs to get auto insurance in Illinois, including details on important rating factors.
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Your auto insurance premiums are impacted by factors aside from the state in which you live. Auto insurance premiums consider a number of details, including the insured party's marital status, driving history, credit rating, gender, and age.
We examined typical Illinois car insurance rates by each of the most common pricing components. Continue reading to learn how much auto insurance costs in your state — or enter your zip code to view tailored quotes from popular insurers.
It’s a fact of life: as you get older, your auto insurance expenditures change. Typically, car insurance is more costly for young drivers, as car insurance companies see inexperienced motorists as less responsible.
|Age||Average Annual Premium|
If you're shopping for car insurance for a teen driver, Illinois is the 13th cheapest state in which to buy auto insurance for a 16-year-old.
While gender doesn’t have as sizable an impact on car insurance rates as state or age, it is used as a rating factor by car insurance underwriters.
|Gender||Average Yearly Rate|
If you're concerned about getting the best possible deal with your current car insurance company, the best course of action is to shop around.
One pro of wedlock — in addition to the honeymoon — is the better deal you may receive on your car insurance policy. In Illinois, married drivers save $75 per year on auto insurance. This is less than the US post-wedding price break of $76.
|Marital Status||Average Annual Rate|
Auto insurance for divorced drivers in Illinois is the 40th most expensive in the nation. If you think you're overpaying for your car insurance policy, shop around. You could save big!
Insurers utilize credit history to gauge a potential customer's insurability. Data suggest drivers who carry solid credit are more dependable auto insurance customers: they less commonly file claims that cost auto insurance companies money.
In Illinois, a driver who maintains excellent credit saves $1,239.64 per year on car insurance, versus a driver saddled with a bad credit history. Learn more about how credit impacts car insurance rates:
|Credit Score||Average Annual Rate|
|Very Poor (300-579)||$2,218.11|
|Very Good (740-799)||$1,160.88|
Finding inexpensive auto insurance coverage if you're saddled with a bad credit history can be stressful. But we're here to assist. Review our guide to getting car insurance with poor credit and save!
If you’re found at fault in an accident or convicted of a driving offense, your insurance costs are going to climb. The more violations you rack up, the more expensive your car insurance gets.
In Illinois, your first minor at-fault accident leads to a penalty of $521.01 per year in auto insurance premiums. A DUI or DWI — among the most serious driving infractions — can raise your annual car insurance costs in Illinois by as much as $1,248.10.
|Violation||Average Yearly Rate|
|At-Fault Accident (<$1,000)||$1,640.57|
|At-Fault Accident ($1,000-$2,000)||$1,476.75|
|At-Fault Accident (>$2,000)||$1,640.57|
|Speeding (21-25 MPH > limit)||$1,274.52|
|Speeding (16-20 MPH > limit)||$1,262.82|
If your premiums are above-average, it's worth comparing options to find affordable insurance coverage that covers your vehicle appropriately.
How much you pay every month for auto insurance depends on the level of coverage you carry. A liability-only policy generally costs less, while low-deductible comprehensive coverage costs more. In Illinois, the price differential between liability-only coverage and comprehensive coverage with a $500 deductible is $635.
|Coverage Level||Average Annual Rate|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only||$547|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,058|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,178|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$484|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$999|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,120|
|State Minimum — Liability Only||$422|
|State Minimum — $1,000 Comprehensive/Collision||$936|
|State Minimum — $500 Comprehensive/Collision||$1,057|
If you're saddled with high car insurance costs, think about weighing your options to find reasonably priced coverage that covers your vehicle appropriately.