Are Auto Insurance Rates Increasing in Illinois?

The Zebra
May 31, 2019

Personal experience has taught many drivers that auto insurance costs tend to rise every year. But there's a lot that goes into setting auto insurance premiums — and not every region experiences the same trends.

Location is among the primary rating factors used by insurance companies to set rates. The local area and state in which a vehicle is parked and driven help to determine auto insurance prices, which comes down state regulations and the differing levels of risk associated with insuring cars in various areas of the country.

Because auto insurance pricing is so multi-faceted, year-over-year rate changes vary widely by state. Auto insurance rates might be increasing each year in one state while they fall for drivers one state over.

See below auto insurance pricing trends in Illinois. If your policy isn't following your state's trend, consider looking for a new insurance option. The Zebra's auto insurance comparison tool generates car insurance rates based on your details — enter your ZIP below to get started.


Car insurance pricing trends in Illinois


Average annual auto insurance premiums in Illinois increased by $31 over the past year. The typical driver in Illinois pays an average of $1,222 per year.

The recent trend in Illinois is leaning toward pricier auto insurance. Between 2015 and 2018, rates grew more expensive by an average of $293 per year. Meanwhile, car insurance prices across the nation have jumped in the past few years, rising from $1,280 in 2015 to $1,470 in 2018.


ANNUAL INSURANCE RATE TRENDS IN ILLINOIS
YearAvg. Annual Premium — IllinoisYearly Change — IllinoisAvg. Annual Premium — USAYearly Change — USA
2018$1,222$31$1,470$32
2017$1,191$17$1,437$69
2016$1,174$245$1,368$88
2015$929$2$1,280$51
2014$927$68$1,229$34
2013$859$82$1,195-$80
2012$777-$41$1,276$82

If your rates are rising faster than the average in your state, shop around for a better deal.


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How are auto insurance rates trending in the most populous Illinois cities?


Auto insurance policies are priced at the ZIP code level with many location-specific variables influencing premiums. That means drivers could see major differences in their insurance rates, based solely on their city or ZIP code. As an example, drivers in Naperville faced a bigger year-over-year rate increase (6.8%) than their intrastate neighbors in Rockford (6.4%) between 2018 and 2017.

The below table shows annual auto insurance rate changes in Illinois's largest municipalities If your city is on the expensive side — and moving isn't an option — consider shopping around for a more affordable rate.


CityAvg. Rate Increase — 2018 vs. 2017
Naperville6.8%
Rockford6.4%
Aurora6.3%
Joliet5.7%
Chicago5.4%

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