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How Much is Illinois Car Insurance?

The vehicle model on the policy is one of the main factors in finding Illinois car insurance. Vehicles with more horsepower, poor safety features, or a track record of large liability claims will cost significantly more to insure than more economical and safe models. The lists below features coverage prices for some of the most economical vehicles to insure.

Auto Insurance Rates for Popular Cars in Illinois
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Ford Fusion Sport AWD 4-Dr Sedan$798$399$67
Honda Accord LX-P 4-Dr Sedan$586$293$49
Honda Civic SI 2-Dr Coupe$910$455$76
Hyundai Elantra GLS 4-Dr Sedan$728$364$61
Hyundai Sonata SE 4-Dr Sedan$774$387$65
Toyota Camry XLE$728$364$61
Toyota Corolla S$728$364$61
Volkswagen Jetta 2.0T 4-Dr Sedan$744$372$62
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in your specific Illinois location which can raise or lower premium rates significantly.

Car Insurance Rates for Popular SUVs and Crossovers in Illinois
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Acura MDX with Tech Package 4WD$760$380$63
Acura RDX 2WD$638$319$53
Chevrolet Traverse LTZ 2WD$654$327$55
Ford Escape XLT 4WD$600$300$50
Ford Expedition XLT 4WD$654$327$55
Ford Explorer XLT 2WD$654$327$55
GMC Acadia SLT AWD$708$354$59
Honda CR-V LX 2WD$586$293$49
Honda Fit Sport VSA$604$302$50
Honda Pilot EX 2WD$670$335$56
Hyundai Tucson GLS 2WD$640$320$53
Jeep Grand Cherokee SRT-8 4WD$744$372$62
Nissan Pathfinder SE 4WD$654$327$55
Toyota Highlander Hybrid 4WD$760$380$63
Toyota RAV4 Limited 4WD$692$346$58
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium costs do not factor in your specific Illinois location which can modify coverage rates significantly.

Car Insurance Rates for Popular Pickup Trucks in Illinois
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Chevrolet Colorado LT 4WD$586$293$49
Chevrolet Silverado LS Regular Cab 2WD$686$343$57
Dodge Ram 3500 Crew Cab Laramie 2WD$708$354$59
Dodge Ram Crew Cab Sport 2WD$806$403$67
Ford F-150 XL Crew Cab 4WD$670$335$56
Ford F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD$814$407$68
GMC Sierra 2500HD SLE Regular Cab 2WD$790$395$66
GMC Sierra 3500HD SLT Extended Cab 2WD$760$380$63
GMC Sierra SLE Crew Cab 4WD$744$372$62
Toyota Tundra SR/5 Crew Max 4WD$806$403$67
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in your specific Illinois location which can modify premium rates noticeably.

For drivers in Illinois, one of the big criteria that are looked at to determine the price you pay for insurance is where you live in Illinois. Larger areas like Cicero, Berwyn, and Des Plaines are more likely to pay higher prices, whereas areas that tend to be more rural have the benefit of Illinois car insurance.

The following table lists the priciest cities in Illinois to buy car insurance in.

Most expensive Illinois cities for auto insurance
RankCityPremium Per Year
1Cicero$1,573
2Chicago$1,544
3Berwyn$1,406
4Skokie$1,405
5Des Plaines$1,274
6Evanston$1,264
7Oak Lawn$1,231
8Waukegan$1,212
9Mount Prospect$1,181
10Joliet$1,180
11Orland Park$1,173
12Bolingbrook$1,162
13Palatine$1,143
14Elgin$1,139
15Arlington Heights$1,139
16Schaumburg$1,123
17Tinley Park$1,120
18Rockford$1,119
19Aurora$1,075
20Springfield$1,059
21Peoria$1,050
22Naperville$1,042
23Decatur$1,013
24Bloomington$971
25Champaign$933
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Rate quotes are approximated as specific Illinois zip code can modify premium rates significantly.

The chart below illustrates how choosing a deductible can increase or decrease insurance costs when researching cheap insurance in Illinois. Data assumes a married female driver, full coverage, and no discounts are taken into consideration.

The data above shows that a 30-year-old driver could cut expenses by $206 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $312 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old, could roll back prices as much as $442 each year just by choosing larger deductibles. If you do raise deductibles, it will be necessary to have enough savings to be able to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Cost difference between full coverage and liability

Saving money when shopping for car insurance is important to most people, and one of the quickest ways to buy cheap insurance in Illinois is to not buy full coverage. The information below shows the comparison of annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no claims, a clean driving record, $100 deductibles, drivers are single, and no discounts are applied to the premium.

As an overall average, full coverage on your policy costs $1,502 per year more than buying just liability insurance. That is a significant amount which raises the question if paying for full coverage is a waste of money. There is no definitive guideline of when to phase out physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

There are some situations where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Here’s why you should shop around

Illinois car insurance rates are influenced by many factors which can substantially change the price you pay. Turning one year older, buying a new vehicle, or getting a couple of tickets may prompt premium changes that can cause some rates to be cheaper in comparison to the competition.

Also, insurance companies file new Illinois car insurance rates without warning to adjust for unexpected claims or profits. An unexpected high level of claims may cause increased rates, while lower claim expenses can result in cheaper Illinois car insurance rates.

As an example, the bar chart below shows the companies that have the cheapest car insurance in Illinois for a 30-year-old male driver with no prior accidents, a clean driving record, and a good credit history. If we estimate rates based on his personal risk profile, The Hartford might quote the best car insurance rates in Illinois at $746 each year. This is $603 less than the average policy premium paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are also on the list of the cheapest Illinois auto insurance companies.

Now we will pretend the driver from the first example some claims, a little lower credit rating, and a traffic citation. Since each auto insurer has their own unique process to determining premium rates, getting updated rate quotes will most likely result in a slightly different list of cheap Illinois auto insurance companies as shown below.

USAA now has the cheapest price in Illinois with Travelers, SECURA, State Farm, and Auto-Owners also being competitive. This example proves why it is so important to compare lots of rates when trying to get the cheapest car insurance quotes in Illinois.

Insurance rates consist of many factors and can increase or decrease at any time, so the most economical company the last time you shopped around may now be quite expensive.

How to get Illinois car insurance

Lowering your rates is not difficult, and here are some of the better money-saving ideas that can help you find cheaper car insurance.

  • Higher credit scores may earn you cheaper rates
  • Safe vehicles cost less to insure
  • Raise deductibles to save money
  • Avoid getting tickets or violations
  • Prevent price hikes by avoiding at-fault accidents
  • Compare rates regularly and switch companies to save money

The last idea is especially critical, as we discussed in this article. Prices in Illinois adjust frequently, so drivers shouldn’t hesitate to buy a different policy if you can find a cheaper rate.

Loyalty to a specific company is fine, but it’s not a great idea if that loyalty results in overpaying a considerable chunk of change every month. It takes less than five minutes to compare prices to find cheaper insurance in Illinois.

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