What's the Average Cost of Auto Insurance in Illinois?

The Zebra
Oct. 11, 2018

Car insurance is affordable in Illinois. The average car insurance rate in Illinois is $1,120 annually — less than the US average by 21.6%.

But car insurance costs are dictated by factors aside from the state in which you live. Car insurance rates consider an array of components, including a driver's age, credit rating, driving history, gender, and marital status.

We assessed typical Illinois car insurance rates by each of the major rating factors. See below how much car insurance runs in your state — or enter your zip code to see tailored rates from top auto insurance companies.


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Average Auto Insurance Premiums in Illinois by Age

It’s a fact of life: as you get older, your auto insurance premiums shift. Generally, auto insurance is more costly for young drivers and teens, as insurers see inexperienced motorists as more risky.

In Illinois, auto insurance runs $5,327 each year for a 16-year-old driver, but only $945 per annum for a client aged between 50 and 59.


ILLINOIS CAR INSURANCE RATES BY AGE
Age Average Yearly Premium
16 $5,327.09
17 $4,549.86
18 $4,072.22
19 $2,778.82
20s $1,537.58
30s $1,083.20
40s $1,054.02
50s $945.36
60s $999.19
70s $1,189.33



Average Car Insurance Premiums in Illinois by Gender

While gender doesn’t have as sizable an impact on auto insurance rates as a driver's location or experience level, it is used as a rating factor. Women pay less than do men for auto insurance in Illinois, but the disparity is just $8.20 per year.

ILLINOIS CAR INSURANCE PREMIUMS FOR MEN AND WOMEN
Gender Average Annual Premium
Male $1,102.86
Female $1,094.66



Average Car Insurance Rates in Illinois by Marital Status

One benefit of nuptials — in addition to the wedding gifts — is the lower prices you often get on insurance. In Illinois, married drivers save $75 each year on auto insurance policies. This is less than the national average of $76.


ILLINOIS AUTO INSURANCE COSTS BY MARITAL STATUS
Marital Status Average Annual Premium
Single $1,102.86
Married $1,027.41
Divorced $1,102.86
Widowed $1,101.13



Average Car Insurance Prices in Illinois by Credit Tier

Auto insurance companies reference credit history as a way of determining how reliable a prospective customer will be. Historical data indicate drivers with superior credit histories are usually more dependable auto insurance customers: they are less likely to file claims covered by insurance companies.

In Illinois, a car insurance client who carries excellent credit saves $1,239.64 per year on auto insurance, contrasted with a driver saddled with a poor credit rating. Learn more about how credit history impacts car insurance outlays:


ILLINOIS CAR INSURANCE RATES BY CREDIT TIER
Credit Tier Average Annual Rate
Very Poor (300-579) $2,218.11
Fair (580-669) $1,804.54
Good (670-739) $1,426.31
Very Good (740-799) $1,160.88
Exceptional (800-850) $978.47



Average Car Insurance Costs for Bad Drivers in Illinois

If you’re discovered to be at fault after an accident or convicted of a driving offense, your auto insurance premiums are bound to grow. The more violations you rack up, the more costly your car insurance gets.

In Illinois, your first minor at-fault collision results in an additional $521.01 per year in auto insurance premiums. A DWI — thought of as one of the most severe driving infractions — will raise your annual insurance expenditure in Illinois by as much as $1,248.10.


ILLINOIS AUTO INSURANCE COSTS AFTER TICKETS
Age Average Annual Premium
DWI/DUI $2,367.66
Reckless Driving $2,499.55
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
Open Container $1,448.06
Speeding (21-25 MPH > limit) $1,274.52
Speeding (16-20 MPH > limit) $1,262.82

If you're tired of dealing with expensive car insurance, it's worth getting quotes to get inexpensive insurance coverage that suits you.


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