Is Car Insurance Cheaper in Illinois or Texas?

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By Kristine Lee

Updated October 4, 2023

Edited By Ross Martin

Comparing auto insurance in Illinois and 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:

Insurance rate comparison
Insurance rates by coverage level
Cheap companies by state
Rates by city
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

State	Average 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

State	Time Period	Cost
Illinois	Annual	$422
Texas	Annual	$782
Illinois	6-Month	$211
Texas	6-Month	$391
Illinois	Monthly	$35
Texas	Monthly	$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

Location	Period	Rate
Illinois	Annual	$1,120
Texas	Annual	$2,120
Illinois	6-Month	$560
Texas	6-Month	$1,060
Illinois	Monthly	$93
Texas	Monthly	$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 Company	Average 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 Company	Average 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

City	Average 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.

CAR INSURANCE RATES BY CITY IN TEXAS

City	Average 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.

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:

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.

Car Insurance Comparison: Illinois vs. Texas

Kristine Lee

Ross Martin