If you’re wondering how much car insurance is in Illinois, here’s everything you need to know to save money on your premiums.

How Much Does Car Insurance Cost in Illinois?

Car insurance in Illinois is around 12% cheaper than the national average. It costs approximately $550 for the state minimum coverage and slightly over $1,800 for full coverage. Some rates cost as little as $50 per month, but higher coverage plans cost upwards of $140 per month.

Average Cost of Car Insurance in Illinois Per Month

Car insurance coverage rates depend on a variety of requirements in Illinois, specifically:

• City
• Age
• Credit Score
• Vehicle Type
• Marital Status
• Driving Record

City

Each city has insurance rates that may differ from the state average. In Chicago, you can expect to pay a 9% increase, upwards of $1,900. In Skokie, the cost is only 1% more, with an average of $1,600. If you live in Des Plaines, Evanston, or Oak Lawn, however, you pay around 10% less than the state average, with annual costs between $1,600 and $1,700.

Age

Age also determines the cost of insurance. Younger drivers typically pay more for their annual insurance coverage than older drivers. For instance, motorists between 16 and 18 will pay around $4,000 to $5,500. Younger and more inexperienced drivers pay more because insurance companies see them as greater driving risks.

Annual coverage costs drop as you age and gain more driving experience. Drivers in their 20s, 30s, and 40s will pay less over time. However, if you’re still driving above age 60, you may pay more for annual coverage since insurance companies see you as a greater risk or liability.

Credit Score

Your credit score is a determining factor used in insurance costs. Higher credit scores showcase a driver’s dependability, meaning they are less likely to file claims that cost car insurance companies money. Those with poor and fair credit, between 300 and 669, will pay more than those with very good or exceptional credit, 740 to 850.

Vehicle Type

The make and model of your vehicle may also affect your car insurance rates. These costs depend on the vehicle’s engine, trim, and safety features. For example, your premiums on a sports car or heavy-duty pickup truck will likely cost more than an average commuter sedan.

Marital Status

Married drivers and single drivers pay almost the same for their coverage. However, married drivers pay, on average, $75 less than single, widowed, or divorced drivers in Illinois.

Driving Record

Lastly, if you have a history of violations on your driving record, you can expect to pay significantly more in your insurance premiums. A history of at-fault accidents, speeding, DUIs, and reckless driving on your driving record indicates to auto insurance companies that you are a high-risk driver. Your insurance rates will rise if you accumulate more violations on your driving history.

Average Cost of Car Insurance in Chicago

While Illinois drivers enjoy rates below the national average, Chicago drivers often face slightly higher premiums. Our research shows that drivers in Chicago pay an average of $50 per month for liability-only coverage, though this can vary widely based on individual circumstances.

To illustrate the difference, here are sample monthly rates based on age, gender, and marital status for Chicago drivers with a clean driving record:

Age Range	Married Male	Single Male	Married Female	Single Female
16 – 18	$106	$118	$71	$107
19 – 21	$61	$69	$46	$65
22 – 25	$39	$46	$38	$47
26 – 29	$39	$46	$38	$46
30 – 39	$34	$39	$38	$41
40 – 49	$37	$39	$40	$40
50 – 59	$36	$39	$40	$42
65	$44	$46	$40	$45
75	$51	$51	$51	$51

These estimates reflect minimum liability coverage and assume a favorable driving profile:

• Clean motor vehicle record (MVR)
• No accident history
• Continuous prior insurance coverage
• Private passenger vehicle
• Preferred garaging location

Illinois Minimum Car Insurance Requirements

To drive legally in Illinois, you must carry at least the minimum liability coverage as mandated by state law:

• Bodily Injury Liability (per person): $25,000
• Bodily Injury Liability (per accident): $50,000
• Property Damage Liability: $20,000
• Uninsured/Underinsured Motorist Bodily Injury (per person): $25,000
• Uninsured/Underinsured Motorist Bodily Injury (per accident): $50,000

While these amounts satisfy legal requirements, many drivers opt for higher coverage limits to better protect themselves financially in the event of an accident.

Find Car Insurance Easily With Insured ASAP

If you’re looking for cheap car insurance in Illinois, Insured ASAP is here to help!  We have various coverage plans for you, including SR22 insurance for high-risk drivers, collision coverage, property damage liability, uninsured motorists liability insurance, bodily injury liability, and more.

Call us at 800-641-7488 for a free quote from a live representative.