Auto Insurance Comparison: Illinois vs. Texas

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

Car insurance in Illinois vs. Texas

If you are moving from Illinois to Texas, you might be focused on the obvious expenses and concerns: contracting a trustworthy long-haul moving service, securing a new apartment or house in your new state, and physically moving across state lines.

With all these moving parts, it can be easy to forget the details. Auto insurance is among these details, but it's an important one. To stay on the right side of the law, you’ll need to update your insurance policy — or find a new one — when you move between states.

Read our guide to auto insurance in Illinois versus Texas to ensure your interstate move goes smoothly. We'll cover the following topics:


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


Illinois vs. Texas car insurance — average prices

You should expect to pay more for car insurance in Texas than you did in Illinois. The typical annual auto insurance rate in Texas is $855 more expensive than the average cost in the state of Illinois. Keep in mind this cost depends on your coverage level, driving and insurance history, and your auto insurance company.


CAR INSURANCE PREMIUMS IN ILLINOIS VS. TEXAS
StateAverage Annual Rate
Illinois$1,270
Texas$2,125


Average car insurance rates by coverage level

The cost of your auto insurance depends on how you use your vehicle and how much money you’re willing to dedicate to protecting your vehicle.

If you decide to go with state minimum liability auto insurance coverage, you will have bodily injury, property damage liability, and medical payment coverages, plus uninsured and underinsured driver coverage and personal injury protection in some states.


CAR INSURANCE PREMIUMS — BASIC LIABILITY COVERAGE IN ILLINOIS vs. TEXAS
StateTime PeriodCost
IllinoisAnnual$422
TexasAnnual$782
Illinois6-Month$211
Texas6-Month$391
IllinoisMonthly$35
TexasMonthly$65


Choosing to carry full-coverage auto insurance will cost more each month, but you will receive comprehensive and collision coverages, as well as rental reimbursement and roadside assistance protection. The primary benefit of full coverage auto insurance is that it covers you and your vehicle more comprehensively than does minimum liability coverage. If you're motivated to protect your investment in your vehicle, full coverage could be the way to go.


AUTO INSURANCE RATES FOR FULL COVERAGE IN ILLINOIS vs. TEXAS
LocationPeriodRate
IllinoisAnnual$1,120
TexasAnnual$2,120
Illinois6-Month$560
Texas6-Month$1,060
IllinoisMonthly$93
TexasMonthly$177


Cheap car insurance companies in Illinois and Texas

A primary determinant of your car insurance costs is your choice of car insurance company. Companies price premiums in a number of ways, leading to substantial variations in pricing. Location also comes into play: some car insurance companies only sell policies in certain states, while major insurance companies shift rates by state.

When moving, you should try to find the best cheap car insurance company in your new state. Get your research started below by viewing the five most affordable auto insurance companies in Illinois and Texas.


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


See additional cheap auto insurance companies in Illinois.


AFFORDABLE CAR INSURANCE COMPANIES IN TEXAS
Car Insurance CompanyAverage Annual Rate
Travelers$1,031
USAA$1,106
Texas Farm Bureau$1,223
Germania Mutual$1,269
Esurance$1,393


View more cheap auto insurance companies in Texas.


Car insurance rates by city in Illinois and Texas

Although car insurance is legislated at the state level, underwriters assign rates by ZIP code to account for unique factors like density and frequency of car crashes. The exact location to which you relocate plays a big part in deciding your car insurance rates.

View the below tables to see car insurance rates in major cities in Texas 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 more comprehensive list of Illinois cities here.


CAR INSURANCE RATES BY CITY IN TEXAS
CityAverage Annual Rate
Houston$1,872
San Antonio$1,705
Dallas$1,874
Austin$1,643
Fort Worth$1,637


Your new city not listed above? View car insurance rates in other Texas cities here.


More information on moving from Illinois to Texas

When you move from Illinois to Texas, you will encounter new driving laws, potentially different SR-22 rules, and more. Ensure your interstate move runs smoothly with our collection of information on your new home: