Find Cheaper Illinois Car Insurance Rates in 2024

Enter your Illinois zip code below to view companies that have cheap auto insurance rates.

Estimated auto insurance rates in Illinois for 2024 are $1,048 annually for full coverage insurance. Comprehensive insurance, collision insurance, and liability cost around $234, $426, and $270, respectively. Cicero, Chicago, and Berwyn tend to have higher car insurance rates, and the three companies who insure the most vehicles in Illinois are State Farm, Allstate, and Country Financial.

Average rate for full coverage: $1,048

Price estimates for individual coverage:

Comprehensive $234
Collision $426
Liability $270

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range of Car Insurance in Illinois

For the normal driver, insurance rates range from as cheap as $320 for minimum levels of liability insurance to a high rate of $2,262 for a driver who requires high-risk insurance.

Liability Only $320
Full Coverage $1,048
High Risk $2,262

These rate differences illustrate why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of using rates averaged for all U.S. states.

Use the form below to get accurate rates for your location.

Enter your Illinois zip code below to view companies that have cheap auto insurance rates.

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Illinois car insurance rate comparison chart
Column chart showing Illinois car insurance prices range from $602 to $3,854 for full coverage

The chart estimates Illinois car insurance prices for various situations. The best price after discounts is $602. Drivers choosing higher $1,000 deductibles will pay about $898. The average price for a driver age 40 with no violations using $500 deductibles is $1,048. Using lower $100 deductibles for physical damage coverage could cost up to $1,338. If you have multiple accidents and violations you could be charged up to $2,262. The policy rate for full coverage for a 16-year-old driver can be as high as $3,854.

Car insurance rates in Illinois also have a wide range based on your vehicle choice, your risk profile, and deductibles and policy limits.

Opting for high physical damage deductibles could cut prices by as much as $440 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $243 extra every 12 months. View Rates by Deductible or Liability Limit

Your choice of vehicle has a significant impact on the price of insurance in Illinois. Electing to drive a cheaper and safer vehicle will save money on insurance because of cheaper replacement cost and lower severity of accident injuries. The next table shows premium estimates for the most popular vehicles insured in Illinois.

Illinois Auto Insurance Rates for Popular Vehicles
Make and Model Premium % to Avg
Chevrolet Silverado $1,106 5.2%
Dodge Ram $1,136 7.7%
Ford Escape $872 -20.2%
Ford Focus $1,014 -3.4%
Ford Fusion $1,112 5.8%
Ford F-150 $986 -6.3%
GMC Acadia $966 -8.5%
GMC Sierra $1,088 3.7%
Honda Accord $980 -6.9%
Honda Civic $1,146 8.6%
Honda CR-V $850 -23.3%
Honda Pilot $996 -5.2%
Hyundai Sonata $1,062 1.3%
Kia Optima $1,082 3.1%
Nissan Altima $1,078 2.8%
Nissan Rogue $1,052 0.4%
Toyota Camry $1,068 1.9%
Toyota Corolla $1,046 -0.2%
Toyota Prius $972 -7.8%
Toyota RAV4 $990 -5.9%
Get Rates for Your Vehicle Quote Now

Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
View additional vehicles

Your auto insurance company definitely affects the cost of coverage. In Illinois, every insurance company has a different rate structure, and prices can range greatly based on indivdual risk characteristics.

In Illinois, auto insurance prices range from $761 with The Hartford to as high as $3,265 with First Chicago Maverick. Other companies like Rockford Mutual, Titan, and Erie fall somewhere in between. These are probably not the exact rates you would pay, as your vehicle make and model, any driving violations, and your location in Illinois all influence the price.

Illinois Auto Insurance Companies by Market Share and Average Rate
Rank Company Market Share Average Rate
1 State Farm 31.81% $992
2 Allstate 11.92% $1,728
3 Country Financial 6.83% $1,601
4 Geico 5.86% $1,096
5 Progressive 4.80% $1,231
6 Farmers Insurance 4.72% $1,158
7 American Family 4.19% $1,364
8 Liberty Mutual 3.02% $1,679
9 USAA 2.16% $969
10 Metropolitan 1.59% $1,232
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $3,800 a year. View Rates by Age

Where you choose to live in Illinois has a huge impact on auto insurance prices. Less congested rural areas may have rates around $800 a year, while Cicero and Chicago may have prices as high as $1,800. Even different neighborhoods within a few miles of each other in the same city can have a wide range of rates.

These geographic rate differences emphasize the significance of getting rates based on your location.

View Chart as Image

Illinois insurance rates by city

If you have a few violations or you caused a few accidents, you are probably paying at least $1,200 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 44% to 128% more than the average rate. View High Risk Driver Rates

With so much difference in prices, the only way to figure out your exact price is to do a rate comparison and see which company has the best price. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different between companies.

Illinois Auto Insurance Articles

Rates by Driver Age

Illinois Insurance Rates by Driver Age
Driver Age Premium
16 $3,854
20 $2,418
30 $1,098
40 $1,048
50 $958
60 $940

Full coverage, $500 deductibles

Rates by Deductible

Illinois Car Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,338
$250 $1,202
$500 $1,048
$1,000 $898

Full coverage, driver age 40

Rates by Liability Limit

Illinois Car Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,048
50/100 $1,102
100/300 $1,170
250/500 $1,345
100 CSL $1,129
300 CSL $1,278
500 CSL $1,386

Full coverage, driver age 40

Rates for High Risk Drivers

Illinois Car Insurance Rates for High Risk Drivers
Age Premium
16 $5,508
20 $3,842
30 $2,318
40 $2,262
50 $2,156
60 $2,138

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $145

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $56
Multi-vehicle $54
Homeowner $15
5-yr Accident Free $79
5-yr Claim Free $67
Paid in Full/EFT $49
Advance Quote $52
Online Quote $74
Total Discounts $446
Rate after discounts $602

Discounts are estimated and may not be available from every company or in every state.

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