Illinois Car Insurance Rates

Estimated auto insurance rates in Illinois for 2018 are $992 annually for full coverage insurance. Comprehensive insurance, collision insurance, and liability cost around $220, $404, and $256, 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: $992

Price estimates for individual coverage:

Comprehensive $220
Collision $404
Liability $256

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 $304 for minimum levels of liability insurance to a high rate of $2,144 for a driver who requires high-risk insurance.

Liability Only $304
Full Coverage $992
High Risk $2,144

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.

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Illinois car insurance rate comparison chart
Column chart showing Illinois car insurance prices range from $569 to $3,648 for full coverage

The chart estimates Illinois car insurance prices for various situations. The best price after discounts is $569. Drivers choosing higher $1,000 deductibles will pay about $850. The average price for a driver age 40 with no violations using $500 deductibles is $992. Using lower $100 deductibles for physical damage coverage could cost up to $1,266. If you have multiple accidents and violations you could be charged up to $2,144. The policy rate for full coverage for a 16-year-old driver can be as high as $3,648.

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 $420 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 $231 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 ModelPremium% to Avg
Chevrolet Silverado$1,0465.2%
Dodge Ram$1,0767.8%
Ford Escape$826-20.1%
Ford Focus$960-3.3%
Ford Fusion$1,0525.7%
Ford F-150$932-6.4%
GMC Acadia$914-8.5%
GMC Sierra$1,0303.7%
Honda Accord$926-7.1%
Honda Civic$1,0848.5%
Honda CR-V$804-23.4%
Honda Pilot$942-5.3%
Hyundai Sonata$1,0061.4%
Kia Optima$1,0243.1%
Nissan Altima$1,0202.7%
Nissan Rogue$9960.4%
Toyota Camry$1,0122%
Toyota Corolla$990-0.2%
Toyota Prius$920-7.8%
Toyota RAV4$936-6%
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
RankCompanyMarket ShareAverage Rate
1State Farm31.81%$992
2Allstate11.92%$1,728
3Country Financial6.83%$1,601
4Geico5.86%$1,096
5Progressive4.80%$1,231
6Farmers Insurance4.72%$1,158
7American Family4.19%$1,364
8Liberty Mutual3.02%$1,679
9USAA2.16%$969
10Metropolitan1.59%$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 $900 a year, or $75 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 $3,600 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 $700 a year, while Cicero and Chicago may have prices as high as $1,700. 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 $1,600 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 44% to 135% 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

Car Insurance Articles for Illinois Cities

Read about how to save money on auto insurance in some of the larger cities in Illinois below.

Chicago

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Rates by Driver Age

Illinois Insurance Rates by Driver Age
Driver AgePremium
16$3,648
20$2,290
30$1,040
40$992
50$906
60$888

Full coverage, $500 deductibles

Rates by Deductible

Illinois Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,266
$250$1,140
$500$992
$1,000$850

Full coverage, driver age 40

Rates by Liability Limit

Illinois Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$992
50/100$1,043
100/300$1,107
250/500$1,274
100 CSL$1,069
300 CSL$1,210
500 CSL$1,312

Full coverage, driver age 40

Rates for High Risk Drivers

Illinois Car Insurance Rates for High Risk Drivers
AgePremium
16$5,216
20$3,638
30$2,194
40$2,144
50$2,042
60$2,024

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 $138

Potential Rate Discounts

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

DiscountSavings
Multi-policy$53
Multi-vehicle$51
Homeowner$14
5-yr Accident Free$74
5-yr Claim Free$64
Paid in Full/EFT$47
Advance Quote$50
Online Quote$70
Total Discounts$423
Rate after discounts $569

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

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