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:
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.
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.
Recommended Companies for Cheap Illinois Insurance
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.
| 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% |
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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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.
| 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.
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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,338 |
| $250 | $1,202 |
| $500 | $1,048 |
| $1,000 | $898 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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