Illinois Car Insurance Quotes & Rates (2026)

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Compare free car insurance quotes in Illinois

For a 40-year-old driver with a clean record, Illinois car insurance averages about $201 a month ($2,406 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 14% below the national average in our data. It’s about the same as in Missouri, higher than in Indiana, Iowa and Wisconsin and lower than in Kentucky. Full-coverage averages statewide run from about $113 to $335 a month across the four major insurers we compared (Allstate, Country Financial, GEICO and Progressive).

Illinois car insurance: key numbers

• Full coverage: about $201 a month ($2,406 a year)
• Liability only (20/40/15): about $69 a month
• Recent price change: −6.0% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Cook County (about $230 a month) and McLean County (about $163)

Where you live matters. Cook County costs the most in our data, at about $230 a month, and Chicago averages $250. Outside Cook County, averages among counties where we price at least three ZIP codes run from about $205 in Randolph County to $163 in McLean County, home to Bloomington. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 475 Illinois ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

Average Cost of Car Insurance in Illinois

Full coverage in Illinois averages $2,406 a year, or about $201 a month, for our benchmark driver. Liability-only coverage at 20/40/15 limits averages $823 a year ($69 a month), and 50/100/50 liability with comprehensive and collision averages $2,333 ($194 a month).

• Full coverage (100/300/100, $500 deductibles): $2,406 a year ($201 a month)
• 50/100/50 with $500 deductibles: $2,333 a year ($194 a month)
• Liability only (20/40/15): $823 a year ($69 a month)
• Chicago: $2,994 a year ($250 a month) for full coverage
• Springfield: $2,229 a year ($186 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Illinois Compares With Neighboring States

Illinois’ average is about $21 a month above Indiana’s, $5 above Iowa’s, $28 below Kentucky’s, $2 below Missouri’s and $17 above Wisconsin’s. It’s the 25th-lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Illinois: Companies Compared

• Full-coverage range: about $113 to $335 a month across the four insurers in our rate data, for the same driver and car.
• Lowest liability-only average among the four major insurers we compared (20/40/15): GEICO, at about $57 a month, then Country Financial at $61.
• State Farm (Nov. 2025 rates)*: about $223 a month for full coverage, from its November 2025 rates.
• Also on our list: Travelers at about $137 a month, USAA at $154, AAA at $172, Erie at $189 and Auto-Owners at $191 (USAA sells only to military families).
• Most expensive in our data: Allstate, at about $335 a month for full coverage.

Progressive’s Illinois average, about $113 a month, is 36% below Country Financial’s ($177), a lead wide enough that we show the range instead of naming a single cheapest insurer. The published 2026 statewide Illinois rate studies we reviewed are split between Travelers and GEICO as the cheapest for full coverage. For liability-only coverage at 20/40/15 limits, GEICO has the lowest average among these four insurers, at about $57 a month, with Country Financial close behind at $61.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.

See What You’d Pay in Illinois

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Rates change by city and ZIP code across Illinois. Enter yours to compare quotes.

How Illinois’ Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Illinois?

Not for our benchmark driver. Comparing the same insurers in the same Illinois ZIP codes, full coverage averaged $2,560 a year nine months earlier and $2,406 in rates as of Aug. 31, 2026, a 6.0% drop. Progressive cut its Illinois average 20.2%, Country Financial 8.5% and GEICO 5.9%, while Allstate raised its average 1.4%. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/15 limits rose 0.1%, led by Allstate, which raised its liability-only average 4.2%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Illinois Car Insurance Costs

Illinois’ full-coverage average is the 25th-lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• Cook County. It’s the most expensive of the 83 Illinois counties we price. Chicago averages $250 a month, and some south suburbs cost more, led by Markham at $288, while Naperville averages $183 and Springfield $186.
• A wide spread between insurers. Our Illinois averages come from four insurers. Progressive averages about $113 a month for full coverage and Allstate $335, for the same driver and car.
• How rates are set. Illinois insurers file auto rates on a use-and-file basis, sending them to the Department of Insurance within 10 days after they take effect. A law signed in August 2026 will add state review of auto rates and require advance notice of significant premium increases once it takes effect, according to the governor’s office.

Illinois Car Insurance Rates by City

Among cities with at least three ZIP codes in our data, Chicago is the most expensive, at $250 a month for full coverage, followed by East St. Louis at $232 and Joliet at $199. Bloomington is the least expensive, at about $164. Across all 356 cities and towns we price, averages run from about $288 in Markham to $162 in Normal.

The table lists all 356 Illinois cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Illinois City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Illinois Car Insurance Rates by County

Cook County is the most expensive county in our data, at about $230 a month for full coverage, followed by Massac County ($214) and Hamilton County ($210). The least expensive are McLean County ($163), Livingston County ($170) and Knox and Whiteside counties (both $172). We price 83 of Illinois’ 102 counties.

How Much More Does Better Coverage Cost in Illinois?

Raising liability limits from 50/100/50 to 100/300/100 adds about $73 a year on average statewide in our data, with the same $500 deductibles. Across the four insurers, the change runs from $42 less a year (Progressive) to $166 more (Allstate). Statewide, that’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Progressive charges less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Illinois Car Insurance Rules at a Glance

What Car Insurance Is Required in Illinois?

Illinois law requires every vehicle owner to carry liability insurance, according to the Illinois Department of Insurance. The minimum policy, for policies issued or renewed since Jan. 1, 2015, is:

• $25,000 per person and $50,000 per crash in bodily injury liability.
• $20,000 in property damage liability.
• $25,000 per person and $50,000 per crash in uninsured motorist bodily injury coverage. It pays when a driver with no insurance injures you.

Two more coverages depend on your choices:

• Underinsured motorist coverage, which pays when the driver who injures you doesn’t have enough insurance. It’s required if you buy uninsured motorist limits above the minimum.
• Uninsured motorist property damage coverage, which pays for damage an uninsured driver does to your car. It’s optional, and insurers must offer it with a deductible of no more than $250.

Illinois uses a fault-based system with a comparative negligence law: the other driver’s insurer pays if its driver is found legally responsible for the crash, and more than one driver can share the blame.

The Illinois Secretary of State checks insurance electronically. Since July 1, 2021, under an upgraded verification program, coverage has been checked at least twice a year, and owners who can’t prove they’re insured face a license plate suspension and a $100 reinstatement fee.

How to Lower Your Car Insurance Rate in Illinois

1. Quote several insurers. Statewide, the lowest and highest insurer averages are about $222 a month apart for the same driver and car.
2. Compare Progressive, Country Financial and GEICO first. Progressive averages about $113 a month for full coverage among the four major insurers we compared in Illinois, and Country Financial and GEICO are effectively tied for next, at about $177 a month each.
3. Ask about uninsured motorist property damage. Illinois insurers must offer it, with a deductible of no more than $250, and you can buy it with or without collision coverage. It pays for damage an uninsured driver does to your car.
4. Ask for a credit re-rate at renewal. Illinois insurers can use a credit-based insurance score as only one factor, and at renewal they must rerate your policy on an updated credit report if you ask.
5. Keep your coverage continuous. The Illinois Secretary of State checks insurance electronically at least twice a year, and owners who can’t prove coverage face a license plate suspension and a $100 reinstatement fee.
6. Compare at every renewal. Over the past nine months, Progressive has cut its statewide average 20.2%, Country Financial 8.5% and GEICO 5.9%, while Allstate has raised its average 1.4%, so the order in our table can shift.
7. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
8. Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Illinois home insurance rates and our home insurance guides for Aurora and Chicago, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.

Compare Illinois Car Insurance Quotes

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Put these tips to work. Enter your ZIP code to compare quotes.

How We Calculated Illinois Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 1,900 full-coverage premiums from four insurers across 475 Illinois ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Insurer count: our Illinois averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/15 limits, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision. Illinois’ minimum has been 25/50/20 since January 2015, so our liability-only prices use lower limits than the law requires.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Illinois rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Illinois law and the Illinois Department of Insurance. We refresh these figures when new rate data is released.

More Illinois Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Illinois Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure in all 102 counties, and a coupe is the most expensive in 68 of them, costing about 37% more than an SUV on average.

Illinois Car Insurance FAQ