How Much is Car Insurance in Illinois?
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, costing approximately $550 for the state minimum coverage or slightly over $1,800 for full coverage. Some rates cost as low as $50 per month at minimum, 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
- Credit Score
- Vehicle Type
- Marital Status
- Driving Record
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 also determines the cost of insurance. Younger drivers typically pay more for their annual insurance coverage than older drivers. For instance, motorists between 16 to 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.
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 to 669 – will pay more than those with very good or exceptional credit – 740 to 850.
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.
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.
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 higher if you accumulate more violations on your driving history.
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, like collision coverage, property damage liability, uninsured motorists liability insurance, bodily injury liability, and much more. Call us at 800-641-7488 for a free quote from a live representative.