Car Insurance Comparison: Illinois vs. Indiana

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

or
Location pin icon
glyph-shield-checkmark No junk mail. No spam calls. Free quotes.

Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

Comparing auto insurance in Illinois and 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
State Average 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
Location Duration Rate
Illinois Annual $422
Indiana Annual $425
Illinois 6-Month $211
Indiana 6-Month $212
Illinois Monthly $35
Indiana Monthly $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
Location Duration Premium
Illinois Annual $1,120
Indiana Annual $1,108
Illinois 6-Month $560
Indiana 6-Month $554
Illinois Monthly $93
Indiana Monthly $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 Company Average 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
Company Average 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
City Average 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
City Average 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:

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.