Car Insurance Rates In Illinois - Average car insurance in Illinois costs $1,232 annually, with an average monthly cost of $103 for full coverage. Compared to the national average of the United States, Illinois insurance rates are 21.4% cheaper.
Average annual and monthly Illinois car insurance rates for the five most popular vehicles in the state are shown below:
Car Insurance Rates In Illinois
Other top selling cars in Illinois and their average annual car insurance costs include the Nissan Rogue at $1,206 per year, the Toyota Camry at $1,212, the Toyota Corolla at $1,212 and the Ford Explorer at an average cost of $1,156 per year.
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The chart below shows the average car insurance in Illinois broken down by age of driver and insurance deductible limits. Prices are set across all vehicle models for 2022, including luxury cars and SUVs.
Chart Details: The chart shows the average Illinois insurance premiums for 2022 vehicles with a reliable driver and no claims discount. Full coverage is calculated in all Illinois zip codes. The information was last updated on October 4, 2022
The average cost of car insurance in Illinois described above ranges from $930 per year for a high-deductible driver aged 60 (lowest cost) to $2,830 per year for a low-deductible driver aged 20. deductibles (highest cost).
Average monthly car insurance rates in Illinois range from $78 to $236 for the same drivers. Remember, these are averages for all models for 2022, so check the next section of the article on the cheapest car insurance in Illinois for specific models.
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Auto insurance rates vary depending on factors such as where you live in Illinois, the car you drive, your driving record, and other important rate modifiers. If your goal is to find the cheapest car insurance in Illinois, we recommend that you compare free car insurance quotes several times, as prices change frequently.
The Mazda CX-5 takes top honors for the cheapest car insurance overall in Illinois. Other models with high auto insurance rates include the Chevrolet Trailblazer, Subaru Crosstrek, Nissan Rogue Sport, Buick Envision and Acura RDX.
From perspective, small SUVs (like the Mazda CX-30 and Honda CR-V) usually have the best auto insurance rates overall. Mid-size SUVs (i.e. Ford Edge, Subaru Outback, Kia Telluride, VW Atlas) are a bit more expensive to insure, but they are a great value over small sedans like the Toyota Corolla, Honda Civic, Mazda 6, and Honda Accord.
Auto insurance is more expensive than small cars and SUVs, but they are still very valuable, including midsize and large trucks like the Chevrolet Colorado, Ford Ranger, and Ford F-150, and small cars like the Kia Sedona and Chrysler Pacifica.
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Few luxury models make the top 100, but average luxury car insurance rates in Illinois tend to keep them outside the top 100. These include models like the Tesla Model 3 at $1,294 per year, and the Lexus RX 350 at $1,266 per year. and BMW. X3 for $1,510 a year and Mercedes-Benz GLC300 for $1,308 a year.
The chart below shows the 2022 model year vehicles that have the cheapest average car insurance rates in Illinois.
Data Table Description: The average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no accidents. Safe driver and no claim discount applies to the bonus. Full coverage for physical damage is $500 and is calculated in all Illinois zip codes. The information was last updated on October 4, 2022
Compared to surrounding states, the average cost of car insurance in Illinois is 8.3% lower than Indiana, 19.1% lower than Wisconsin, 11.8% higher than Iowa, 23.9% lower than Missouri and 30.5% lower than Kentucky.
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Compared to Southern and Coastal states, the average cost of car insurance in Illinois is 29.4% cheaper than California, 44.7% cheaper than Florida, 14.2% cheaper than Texas, and 24% cheaper than New York.
The following chart shows how the average cost of car insurance in Illinois compares to the rest of the Midwest. The cost of car insurance in Illinois ranks 5th out of 12 states in the Midwest in terms of affordability, and out of 50 states, Illinois ranks 15th in the cheapest car insurance prices.
Average annual and monthly car insurance rates are listed below for some major metropolitan areas in Illinois. Click to visit each site for full rates including the cheapest insurance model in each city. To help drivers find the best cheap auto insurance in Illinois, our editorial team has collected quotes from the top auto insurance companies from every zip code in the state. The minimum cost of coverage meets Illinois minimum requirements of $25,000 per person and $50,000 per accident, $25,000 per person and $50,000 per accident and uninsured motorist liability coverage, and $10,000 for property damage protection. Comprehensive coverage includes comprehensive protection and perils with higher limits of liability than state minimums.
Additionally, we have selected the best auto insurance companies in Illinois based on insurance rates for different drivers, availability of coverage, customer service reviews and convenience.
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For car insurance with low coverage, the cheapest insurance companies in Illinois are State Farm and National Insurance. The State Farm rate of just $377 per year is 47% cheaper than the national average. National Financial is the only other insurance company that offers insurance for less than $500 a year.
Minimum coverage policies meet the minimum coverage requirements established by state law. Unlike comprehensive coverage, minimum coverage does not include comprehensive and collision coverage, which pays for the cost of repairing your car after an accident. With a liability-only auto repair policy, you may have to pay out of pocket.
The cheapest comprehensive auto insurance companies in Illinois are State Farm, Land Fund, and Travelers. State Farm's average rate of $959 per year for comprehensive coverage is impressively cheap, and all three insurers offer comprehensive coverage for less than $1,500 per year.
Comprehensive vehicle insurance includes comprehensive and accident coverage in addition to liability insurance. Drivers who want to protect themselves from damage to their car should consider purchasing car insurance.
The Best Cheap Car Insurance For 2021
Drivers who do not meet the required driving record can have more expensive car insurance rates. That's why it's important to shop around and find the most affordable price for you.
Insurance companies raise premiums after you get a speeding ticket, although some raise premiums more than others. The Farm State has the lowest insurance rates for Illinois drivers with speeding tickets, with an average cost of $1,045 per year. This is less than half the cost of the poor people of the state.
The cheapest insurance company for comprehensive car insurance with a previous accident in Illinois is State Farm. Regular premiums after the drop were $1,131 per year - $780 less than the second cheapest option and just $14 more per month compared to a clean driving record.
Drivers who have had an accident in their driving history see higher rates than those without a history of accidents. We had an increase in the amount of money of $906 per year after a single accident.
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It should be noted that the most expensive policy we found - $4,928 a year from Allstate - is four times more expensive than the cheapest State Farm ($1,131). Due to the different prices from insurance companies for different driver's records, we always recommend buying car insurance.
For drivers with a DUI on their record, some insurance companies offer better rates than others. State Farm charges just $1,561 a year for a comprehensive coverage policy. No other insurance company has offered a quote even close to this amount.
Being caught driving under the influence is one of the most serious driving offenses and the consequences are very long. Among the most popular insurers in Illinois, premiums increase by an average of 57% after one DUI conviction.
For casual drivers, we recommend National Finance. Its average price is just $1,825 per year for a comprehensive coverage policy, the lowest of all the companies we reviewed.
Cheap Full Coverage Car Insurance
A low rating doesn't mean you're a bad driver, but it can unfortunately affect your insurance rate. Insurance companies have found a correlation between a driver's credit score and the likelihood they will file a claim, so people with poor credit pay more.
Improving your credit won't happen overnight, but there are many ways you can improve your credit to lower your insurance premiums.
Younger drivers almost always pay more for car insurance than older drivers, especially if they purchase the policy on their own. The average cost of car insurance for an 18-year-old with their policy is $5,149 per year for full coverage and $2,236 for limited coverage.
However, some companies have lower prices for drivers under 18. State Farm has the best price for full coverage ($2,970 per year), while National Insurance is the most affordable option for basic protection ($1,222) .
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Speeding tickets usually have a negative impact on costs,
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