Comparing Car Insurance: Illinois vs. Indiana

Moving from Illinois to Indiana? You may need to update your car insurance.

Car insurance in Illinois vs. Indiana

If you're in the process of relocating from Illinois to Indiana, you are probably considering the obvious concerns and expenses: tracking down a reliable long-haul moving company, securing a house or apartment in your new state, and arranging your move across state lines.

Amidst the stress of a move, it can be easy to overlook the details. Car insurance is just a detail, but it's a big one. To remain on the right side of the law, plan to reevaluate your policy — or find a new one — when you move between states.

Consult our guide to car insurance in Illinois and Indiana and learn what your next steps should be. We'll cover:


  1. Insurance cost comparison
  2. Insurance rates by coverage level
  3. Cheap companies by state
  4. Rates in major cities
  5. Additional resources


Illinois vs. Indiana car insurance — average prices

You should expect to pay more for car insurance in your new home. The average annual auto insurance rate in Indiana is $34 more expensive than the typical cost of car insurance in Illinois. The precise cost will depend on your coverage, driving history, and your auto insurance company.


CAR INSURANCE RATES IN ILLINOIS VS. INDIANA
StateAverage Annual Rate
Illinois$1,270
Indiana$1,304


Car insurance prices by coverage level

The amount you pay for auto insurance depends on your vehicle, your personal driving profile, and what level of coverage you desire.

If you elect your state's minimum liability coverage, you'll have bodily injury, medical payment, and property damage liability coverages, plus underinsured and uninsured motorist coverage and personal injury protection (PIP) in certain states.


AUTO INSURANCE RATES FOR BASIC LIABILITY COVERAGE IN ILLINOIS vs. INDIANA
LocationDurationRate
IllinoisAnnual$422
IndianaAnnual$425
Illinois6-Month$211
Indiana6-Month$212
IllinoisMonthly$35
IndianaMonthly$35


Choosing full-coverage car insurance will cost more each month, but you can rely on collision and comprehensive coverages, along with rental car reimbursement and roadside assistance protection. The main pro of full coverage auto insurance is that it protects you and your vehicle better than does a lower level of coverage. If you're ready to spend more to protect your investment in your vehicle, full coverage could be the way to go.


AUTO INSURANCE PREMIUMS — FULL COVERAGE IN ILLINOIS vs. INDIANA
LocationDurationPremium
IllinoisAnnual$1,120
IndianaAnnual$1,108
Illinois6-Month$560
Indiana6-Month$554
IllinoisMonthly$93
IndianaMonthly$92


Affordable auto insurance companies in Illinois and Indiana

One of the top contributing factors to car insurance costs is the insurer you choose. Companies price rates in a number of ways, resulting in major price variations. Your location also plays a role: some car insurance companies only sell policies in certain states, while major insurers’ rates may vary by state.

When moving across state lines, it's critical to find the best cheap auto insurance company selling policies in your new location. Get started below with our list of the five most affordable auto insurance companies in Illinois and Indiana.


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


See other affordable auto insurance companies in Illinois.


AFFORDABLE CAR INSURANCE COMPANIES IN INDIANA
CompanyAverage Annual Rate
Travelers$608
Cincinnati$671
USAA$674
Erie$719
Western Reserve$855


View more cheap auto insurance companies in Indiana.


Car insurance rates by city in Illinois and Indiana

Though car insurance is regulated at the state level, insurance companies assign rates by ZIP code to adjust for local factors such as density and the likelihood of a crash. The specific location to which you move plays a big part in deciding how much you pay for auto insurance.

Reference the below tables to see car insurance rates in major cities in Indiana and Illinois.


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


View a longer list of Illinois cities here.


CAR INSURANCE PREMIUMS BY CITY IN INDIANA
CityAverage Annual Rate
Indianapolis$1,071
Fort Wayne$966
Evansville$1,066
South Bend$966
Hammond$1,301


Looking for rates in another city? View rates in smaller Indiana cities here.


Additional resources: moving from Illinois to Indiana

When you move from Illinois to Indiana, you will encounter new rules of the road, different SR-22 or FR-44 requirements, and more. Ensure your interstate move runs smoothly with our data on your new home: