Average car insurance cost in Illinois
Illinois lands in the affordable middle of the pack at #20 of 51, with average premiums about 11% below the national average — around $276 a year cheaper than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Illinois compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Illinois next to nearby states:
Illinois car insurance FAQ
How much is car insurance in Illinois?
Full-coverage car insurance in Illinois averages $185 per month ($2,220 per year). A state-minimum liability policy averages $67 per month ($804 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Illinois more expensive than average?
No. Illinois's full-coverage average of $185/month is about 11% below the U.S. average of $208/month, ranking #20 of 51 (1 = cheapest).
Is Illinois a no-fault state?
No. Illinois is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in Illinois?
Minimum liability in Illinois averages $67/month versus $185/month for full coverage — a gap of $118/month, or $1,416/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.