Comparing Auto Insurance in Illinois vs. Arizona

If you're moving from Illinois to Arizona, you should consider the consequences for your car insurance.

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Comparing car insurance in Illinois and Arizona

If you’re moving from Illinois to Arizona, you may be focused on the major expenses and concerns: tracking down a reliable long-haul moving service, securing somewhere to live in your new city, and physically moving across state lines.

Amidst the stress of a move, it can be easy to forget the details. Auto insurance is just a detail, but it's important. To find a cheap rate and stay street legal, you should plan to update your policy — or purchase a new policy — when you make the move.

Consult our guide to car insurance in Illinois versus Arizona and make your interstate move painless. We'll cover the following:


  1. Insurance rate comparison
  2. Rates by coverage level
  3. Affordable companies by state
  4. Rates by city
  5. Additional resources


Illinois vs. Arizona car insurance — average rates

Expect to pay more for car coverage in your new state. The average annual auto insurance rate in Arizona is $87 pricier than the average cost in the state of Illinois. The precise cost will depend on your coverage choice, insurance history, and your choice of insurer.


AUTO INSURANCE RATES IN ILLINOIS VS. ARIZONA
StateAverage Annual Premium
Illinois$1,270
Arizona$1,357


Average car insurance prices by coverage level

The amount you pay for auto insurance depends on your vehicle, your personal driving profile, and how much protection you want from your insurer.

With state minimum liability car insurance coverage, you will get bodily injury, property damage liability, and medical payment coverages, plus uninsured and underinsured motorist coverage and personal injury protection in certain states.


AUTO INSURANCE RATES — MINIMUM LIABILITY COVERAGE IN ILLINOIS vs. ARIZONA
LocationTime PeriodCost
IllinoisAnnual$422
ArizonaAnnual$513
Illinois6-Month$211
Arizona6-Month$257
IllinoisMonthly$35
ArizonaMonthly$43


Electing to carry full-coverage car insurance will raise your premiums, but you can rely on comprehensive and collision coverage levels, as well as rental reimbursement and roadside assistance. The primary benefit of full coverage is that it covers you and your car better than does basic car insurance coverage. If you are willing to spend more up front to protect your investment in your vehicle, full coverage could be the way to go.


AUTO INSURANCE PREMIUMS FOR FULL COVERAGE IN ILLINOIS vs. ARIZONA
LocationDurationPremium
IllinoisAnnual$1,120
ArizonaAnnual$1,263
Illinois6-Month$560
Arizona6-Month$632
IllinoisMonthly$93
ArizonaMonthly$105


Cheap car insurance companies in Illinois and Arizona

A major determinant of your car insurance costs is the auto insurance company you choose. Companies price premiums in a number of ways, resulting in major price variations. Location matters, too: some insurers only sell policies within limited geographic windows, while bigger insurance companies' rates differ by state.

When moving across state lines, it's critical to find the best cheap insurance company in your new location. Get your research started below by viewing the five cheapest car insurance companies in Illinois and Arizona.


CHEAP CAR INSURANCE COMPANIES IN ILLINOIS
Car Insurance CompanyAverage Annual Rate
The Hartford$761
Rockford Mutual$830
Titan$869
Erie$896
Cincinnati$906


See other affordable auto insurance companies in Illinois.


CHEAP CAR INSURANCE COMPANIES IN ARIZONA
CompanyAverage Annual Rate
The Hartford$536
SAFECO$561
Auto-Owners$906
Travelers$1,097
USAA$1,102


See more cheap auto insurance companies in Arizona.


Car insurance rates by city in Illinois and Arizona

Although car insurance is legislated at the state level, underwriters price rates by ZIP code to adjust for unique factors such as population density and number of insurance claims. The exact location to which you relocate will play a big part in deciding your car insurance rates.

The below tables show auto insurance rates in major cities in Arizona and Illinois.


CAR INSURANCE PRICES BY CITY IN ILLINOIS
CityAverage Annual Rate
Chicago$1,514
Aurora$1,064
Rockford$1,130
Joliet$1,157
Naperville$1,032


Check out a longer list of car insurance rates in Illinois cities here.


AUTO INSURANCE RATES BY CITY IN ARIZONA
CityAverage Annual Rate
Phoenix$1,243
Tucson$1,083
Mesa$1,136
Chandler$1,104
Glendale$1,202


Is your new home not listed above? View other Arizona cities here.


More information on moving from Illinois to Arizona

When moving from Illinois to Arizona, you will encounter unfamiliar driving laws, different FR-44 or SR-22 requirements, and more. Ensure your move is seamless with our data on your new home: