Car Insurance Comparison: 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 auto 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
State Average 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
Location Time Period Cost
Illinois Annual $422
Arizona Annual $513
Illinois 6-Month $211
Arizona 6-Month $257
Illinois Monthly $35
Arizona Monthly $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
Location Duration Premium
Illinois Annual $1,120
Arizona Annual $1,263
Illinois 6-Month $560
Arizona 6-Month $632
Illinois Monthly $93
Arizona Monthly $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 Company Average 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
Company Average 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
City Average 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.


AUTO INSURANCE RATES BY CITY IN ARIZONA
City Average 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.


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:

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.