For a 40-year-old driver with a clean record, Des Plaines car insurance averages about $211 a month ($2,530 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% above the Illinois average of $201 a month. Full-coverage averages in Des Plaines run from about $106 to $351 a month across the four insurers we price.
Des Plaines is priced a little above the Illinois average, at about $211 a month for full coverage, and below the Cook County average of $230. Our benchmark driver pays about $39 a month less here than in Chicago and about $29 more than in Arlington Heights, about five miles west.
We price two ZIP codes with a Des Plaines mailing address, 60016 and 60018, and they’re priced about the same, at $210 and $211 a month.
Cost data comes from the auto rates insurers file with state regulators, priced across both Des Plaines ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 30, 2026.
How Much Is Car Insurance in Des Plaines, IL?
Full coverage in Des Plaines averages $2,530 a year, or about $211 a month, for our benchmark driver. Liability-only coverage at 20/40/15 limits averages $948 a year ($79 a month), and 50/100/50 liability with comprehensive and collision averages $2,449 ($204 a month).
- Full coverage (100/300/100, $500 deductibles): $2,530 a year ($211 a month)
- 50/100/50 with $500 deductibles: $2,449 a year ($204 a month)
- Liability only (20/40/15): $948 a year ($79 a month)
- Cook County: $2,763 a year ($230 a month) for full coverage
- Illinois average: $2,406 a year ($201 a month) for full coverage
- ZIP code range: $210 (60016) to $211 (60018) a month for full coverage
Cheap Car Insurance in Des Plaines: Companies Compared
- Full-coverage range: about $106 to $351 a month across the four insurers in our rate data, for the same driver and car.
- Liability only (20/40/15): Progressive and Country Financial, effectively tied at about $66 and $68 a month.
- State Farm (Nov. 2025 rates)*: about $222 a month for full coverage, the latest rates we have for it here.
- Estimated: Travelers at about $144 a month, USAA at $162, AAA at $181, Erie at $199 and Auto-Owners at $201 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $351 a month.
Progressive’s Des Plaines average, about $106 a month, is 39% below Country Financial’s ($175), a lead wide enough that we show the range instead of naming a single cheapest insurer. USAA, Travelers, Erie, Auto-Owners and AAA aren’t in the Quadrant rate data we analyze, so their rows in the table are estimates. 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, Progressive and Country Financial are effectively tied for the lowest average, at about $66 and $68 a month.
Full-coverage averages by insurer in Des Plaines
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 20/40/15 (Yearly): | Minimum Liability 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $796 | $66 | $1,272 | $106 |
| Country Financial | $817 | $68 | $2,094 | $175 |
| GEICO | $865 | $72 | $2,547 | $212 |
| Allstate | $1,314 | $110 | $4,210 | $351 |
| State Farm (Nov. 2025 rates)* | $910 | $76 | $2,659 | $222 |
| Travelers* | $1,118 | $93 | $1,723 | $144 |
| USAA (military families)* | $882 | $74 | $1,940 | $162 |
| AAA* | $1,106 | $92 | $2,172 | $181 |
| Erie Insurance* | $615 | $51 | $2,390 | $199 |
| Auto-Owners* | $775 | $65 | $2,406 | $201 |
| Des Plaines average | $948 | $79 | $2,530 | $211 |
This table uses Des Plaines ZIP codes only. See how we calculated these rates.
Your ZIP code matters
How Much More Does Better Coverage Cost in Des Plaines?
Raising liability limits from 50/100/50 to 100/300/100 adds about $81 a year on average in our Des Plaines data, with the same $500 deductibles. That’s about $7 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 in our data, so with that insurer you’d pay less for more coverage.
Is Car Insurance Going Up in Des Plaines?
Not for our benchmark driver. Comparing the same insurers in the same Des Plaines ZIP codes, full coverage averaged $2,688 a year in rates as of Nov. 30, 2025, and $2,530 as of Aug. 31, 2026, a 5.9% drop. Progressive cut its Des Plaines average 20.6%, Country Financial 8.6% and GEICO 5.9%, while Allstate raised its average 1.4%. State Farm isn’t in the August 2026 rates, so it’s left out of this comparison. Liability-only coverage at 20/40/15 limits fell 0.6%, led by GEICO, which cut its liability-only average 4.8%.
What Shapes Car Insurance Costs in Des Plaines
Cook County averages about $230 a month for full coverage in our data, the highest of any Illinois county. In the northwest suburbs, prices generally rise closer to Chicago.
Neighboring towns show that pattern: Park Ridge averages about $214 a month and Niles $213, while Mount Prospect, to the northwest, averages $197 and Elk Grove Village $183. The Illinois Department of Insurance lists where you live among the factors insurers use, so neighboring cities can be priced differently.
How Des Plaines Car Insurance Compares With Other Illinois Cities
More Illinois cities and towns are in the Illinois rates by city table, and you can compare states on our car insurance rates by state page.
Arlington Heights, about five miles west, averages $182 a month, and Skokie, about seven miles east, $228. Schaumburg averages $190 and Chicago $250.
What Car Insurance Is Required in Des Plaines?
Drivers in Des Plaines follow Illinois’ rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $20,000 per crash
- Uninsured motorist coverage of $25,000 per person and $50,000 per crash, for injuries
Underinsured motorist coverage is required only if you buy uninsured motorist limits above the minimum, and uninsured motorist property damage coverage is optional. Our Illinois requirements guide covers the details and what happens if you can’t prove coverage.
How to Lower Your Car Insurance Rate in Des Plaines
- Compare Progressive and Country Financial first. They have the two lowest full-coverage averages in our Des Plaines data, about $106 and $175 a month.
- Quote several insurers. In our Des Plaines data, the lowest and highest insurer averages are about $245 a month apart for the same driver and car.
- 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.
- Compare at every renewal. Since November 2025, Progressive has cut its Des Plaines average 20.6%, Country Financial 8.6% and GEICO 5.9%, while Allstate has raised its average 1.4%, so the order in our table can shift.
- Insure your car and home together. A multi-policy discount is a common way to save, so compare Illinois home insurance rates too.
Ready to compare
How We Calculated Des Plaines 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: eight full-coverage premiums from four insurers across two Des Plaines 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.
- Other insurers: USAA, Travelers, Erie, Auto-Owners and AAA aren’t in the Quadrant rate data we analyze, so their rows are estimated from published 2026 Illinois rate studies and aren’t included in our averages or rankings. State Farm isn’t in the August 2026 Quadrant rate data for Illinois, so its row shows its November 2025 rates, marked with an asterisk, and 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.
Des Plaines Car Insurance FAQ
For our benchmark driver, full coverage in Des Plaines averages about $211 a month ($2,530 a year) and liability-only coverage about $79 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 5% above the Illinois average of $201 a month.
It depends on the coverage. For full coverage, averages in Des Plaines run from about $106 to $351 a month across the four insurers we price, and the gap between the two lowest is too wide for us to call one insurer the cheapest. For liability-only coverage, Progressive and Country Financial are effectively tied for the lowest average. USAA, Travelers, Erie, Auto-Owners and AAA aren’t in the Quadrant rate data we analyze, but the published 2026 statewide Illinois rate studies we reviewed are split between Travelers and GEICO as the cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Des Plaines full coverage averages about $211 a month and Chicago about $250, a difference of about $39 a month for the same driver and car.
Arlington Heights, for our benchmark driver. Des Plaines full coverage averages about $211 a month and Arlington Heights about $182, a difference of about $29 a month.
In our Des Plaines data, full coverage (100/300/100 with $500 deductibles) averages about $211 a month and liability-only coverage at 20/40/15 limits about $79, a difference of about $132 a month ($1,582 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Des Plaines full coverage fell 5.9% between November 2025 and August 2026, from about $2,688 to $2,530 a year. Progressive cut its Des Plaines average 20.6%, Country Financial 8.6% and GEICO 5.9%, while Allstate raised its average 1.4%. Liability-only coverage at 20/40/15 limits fell 0.6%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
