Illinois Car Insurance Quotes & Average Rates

Full coverage car insurance in Illinois is estimated at $2,005 a year, or $167 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $622 a year. Illinois is an at-fault state, and drivers must carry 25/50/20 liability limits. Below you will find estimated rates for 167 Illinois cities, a breakdown by age and driving record, and the coverage the state actually requires.

Car insurance calculator — Illinois

Estimated from state average premiums and your rating factors. Not a quote.

ZIP code

Driver age — 35

Driving record

Vehicle type

Coverage level

Deductible

Annual mileage

Married

Your estimated premium

$167/ month

$2,005 per year · carriers in Illinois typically quote $1,424 – $2,768

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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Illinois

Insurer	Est. annual	Est. monthly	vs. average	Notes
USAA	$1,524	$127	-24%	Military members and families only
Geico	$1,644	$137	-18%	Usually cheapest for clean records
State Farm	$1,764	$147	-12%	Strong for young and student drivers
Progressive	$1,905	$159	-5%	Competitive after a ticket or accident
Travelers	$1,945	$162	-3%	Good multi-policy discounts
Nationwide	$2,005	$167	0%	Mid-market, wide availability
Allstate	$2,286	$191	+14%	Higher base rate, heavy discount stacking
Farmers	$2,426	$202	+21%	Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Illinois. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Illinois car insurance rates by age

Driver age	Full coverage / yr	Minimum / yr	Full coverage / mo
16 years old	$5,417	$1,679	$451
18 years old	$4,569	$1,416	$381
20 years old	$3,783	$1,173	$315
22 years old	$3,143	$974	$262
25 years old	$2,398	$743	$200
30 years old	$2,067	$641	$172
40 years old	$1,943	$602	$162
50 years old	$1,861	$577	$155
60 years old	$1,840	$570	$153
65 years old	$1,923	$596	$160
70 years old	$2,109	$654	$176
75 years old	$2,460	$763	$205

Estimated premiums by age in Illinois, clean record, sedan.

How violations change your Illinois premium

Driving record	Est. annual	Increase
Clean record	$2,005	—
1 speeding ticket	$2,467	+23%
1 at-fault accident	$2,948	+47%
DUI / DWI	$3,790	+89%

What a violation costs a 35-year-old in Illinois. Surcharges normally stay on the policy for three to five years.

A DUI in Illinois usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

Illinois minimum insurance requirements

Required coverage in Illinois	Minimum limit
Bodily injury liability, per person	$25,000
Bodily injury liability, per accident	$50,000
Property damage liability	$20,000
Uninsured motorist 25/50	Required
Insurance system	At-fault (tort)

Limits are set by statute and change from time to time. Confirm the current figures with the Illinois Department of Insurance before you buy.

Coverage levels in Illinois

Coverage level	Est. annual	Est. monthly
State minimum liability	$622	$52
Full coverage (100/300/100 + comp & collision)	$2,005	$167
Full coverage, high limits + low deductible	$2,386	$199

Coverage level comparison for Illinois.

Car insurance rates in Illinois cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 167 Illinois cities we price.

Chicago$2,406 Aurora$2,095 Rockford$1,940 Joliet$1,940 Naperville$1,940 Peoria$1,940 Springfield$1,940 North Peoria$1,940 Elgin$1,940 Waukegan$1,940 Champaign$1,940 Cicero$1,940 Bloomington$1,940 Arlington Heights$1,940 Evanston$1,940 Schaumburg$1,940 Bolingbrook$1,940 Decatur$1,940 Palatine$1,940 Skokie$1,940 Des Plaines$1,824 Orland Park$1,824 Tinley Park$1,824 Oak Lawn$1,824 Berwyn$1,824 Mount Prospect$1,824 Normal$1,824 Wheaton$1,824 Oak Park$1,824 Hoffman Estates$1,824 Downers Grove$1,824 Glenview$1,824 Elmhurst$1,824 Lombard$1,824 DeKalb$1,824 Moline$1,824 Plainfield$1,824 Urbana$1,824 Belleville$1,824 Bartlett$1,824 Buffalo Grove$1,824 Quincy$1,824 Streamwood$1,824 Crystal Lake$1,824 Carol Stream$1,824 Romeoville$1,824 Rock Island$1,824 Carpentersville$1,824 Hanover Park$1,824 Wheeling$1,824 Park Ridge$1,824 Addison$1,824 Calumet City$1,824 Glendale Heights$1,824 Oswego$1,824 Northbrook$1,824 Woodridge$1,824 Elk Grove Village$1,824 Pekin$1,824 St. Charles$1,824 Danville$1,824 Mundelein$1,824 Galesburg$1,824 Gurnee$1,824 Algonquin$1,824 Chicago Heights$1,824 Niles$1,727 Highland Park$1,727 North Chicago$1,727 Upper Alton$1,727 Burbank$1,727 Granite City$1,727 Lake in the Hills$1,727 O'Fallon$1,727 Lansing$1,727 Glen Ellyn$1,727 Oak Forest$1,727 Round Lake Beach$1,727 West Chicago$1,727 Wilmette$1,727 East Saint Louis$1,727 Alton$1,727 Kankakee$1,727 McHenry$1,727 Batavia$1,727 Carbondale$1,727 Vernon Hills$1,727 Huntley$1,727 New Lenox$1,727 Melrose Park$1,727 Harvey$1,727 Woodstock$1,727 Lockport$1,727 Belvidere$1,727 Edwardsville$1,727 Westmont$1,727 Elmwood Park$1,727 Collinsville$1,727 Freeport$1,727 Homer Glen$1,727 Rolling Meadows$1,727 Zion$1,727 Maywood$1,727 Blue Island$1,727 Loves Park$1,727 Morton Grove$1,727 Dolton$1,727 East Peoria$1,727 Roselle$1,727 Lisle$1,727 Machesney Park$1,727 Wasco$1,727 South Elgin$1,727 Darien$1,727 Bloomingdale$1,727 South Holland$1,727 Villa Park$1,727 Park Forest$1,727 Geneva$1,727 East Moline$1,727 Charleston$1,727 Crest Hill$1,727 Grayslake$1,727 Libertyville$1,727 Lake Zurich$1,727 Mokena$1,727 Evergreen Park$1,727 Montgomery$1,727 Lake Forest$1,727 Homewood$1,727 Alsip$1,727 Bellwood$1,727 Matteson$1,727 Jacksonville$1,727 Deerfield$1,727 Brookfield$1,727 Frankfort$1,727 Bourbonnais$1,727 Goodings Grove$1,727 Macomb$1,727 Round Lake$1,727 Yorkville$1,727 Bensenville$1,727 Ottawa$1,727 Franklin Park$1,727 Mattoon$1,727 Cary$1,727 Marion$1,727 Godfrey$1,727 Sycamore$1,727 Hinsdale$1,727 Palos Hills$1,727 North Aurora$1,727 Fairview Heights$1,727 Country Club Hills$1,727 Lemont$1,727 Shorewood$1,727 Westchester$1,727 Washington$1,727 Bridgeview$1,727 Prospect Heights$1,727 Morton$1,727 La Grange$1,727 Bradley$1,727 Dixon$1,727 Mount Vernon$1,727 Sterling$1,727

Frequently asked questions

▸How much is car insurance in Illinois?

Full coverage in Illinois is estimated at $2,005 a year, or $167 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $622 a year.

▸What car insurance is required in Illinois?

Illinois requires $25,000 bodily injury liability per person, $50,000 per accident and $20,000 property damage, plus uninsured motorist 25/50.

▸Is Illinois a no-fault state?

No. Illinois is an at-fault (tort) state, so the driver responsible for a crash — through their liability insurance — pays for the other party's injuries and property damage.

▸Which Illinois city has the cheapest car insurance?

Of the 167 Illinois cities we price, Sterling carries the lowest estimate at $1,727 a year, while Chicago is highest at $2,406. Urban density is the main driver of the gap.

▸How can I get cheaper car insurance in Illinois?

Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.