For a 40-year-old driver with a clean record, Evanston car insurance averages about $199 a month ($2,388 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Illinois average of $201 a month. Full-coverage averages in Evanston run from about $106 to $325 a month across the four major insurers we compared (Allstate, Country Financial, GEICO and Progressive).
Evanston is priced close to the Illinois average, at about $199 a month for full coverage, and well below both Chicago and the Cook County average. Our benchmark driver pays about $51 a month less here than in Chicago, just south, and about $29 less than in Skokie, just west.
We price two ZIP codes with an Evanston mailing address: 60201, on the north side, at about $197 a month, and 60202, on the south side, at $201.
Cost data comes from the auto rates insurers file with state regulators, priced across both Evanston 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 Oct. 7, 2026.
How Much Is Car Insurance in Evanston, IL?
Full coverage in Evanston averages $2,388 a year, or about $199 a month, for our benchmark driver. Liability-only coverage at 20/40/15 limits averages $886 a year ($74 a month), and 50/100/50 liability with comprehensive and collision averages $2,311 ($193 a month).
- Full coverage (100/300/100, $500 deductibles): $2,388 a year ($199 a month)
- 50/100/50 with $500 deductibles: $2,311 a year ($193 a month)
- Liability only (20/40/15): $886 a year ($74 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: $197 (60201) to $201 (60202) a month for full coverage
Cheap Car Insurance in Evanston: Companies Compared
- Full-coverage range: about $106 to $325 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 $62 a month, then Progressive at $65.
- State Farm (Nov. 2025 rates)*: about $221 a month for full coverage, from its November 2025 rates.
- Also on our list: Travelers at about $136 a month, USAA at $153, AAA at $171, Erie at $188 and Auto-Owners at $189 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $325 a month.
Progressive’s Evanston average, about $106 a month, is 41% below GEICO’s ($180), a lead wide enough that we show the range instead of naming a single cheapest insurer. Among the published 2026 statewide Illinois rate studies we reviewed, the pick for cheapest full coverage is split between Travelers and GEICO. For liability-only coverage at 20/40/15 limits, GEICO has the lowest average among these four insurers, at about $62 a month, with Progressive close behind at $65.
Full-coverage averages by insurer in Evanston
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: | Liability Only 20/40/15 (Yearly): | Liability Only 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $777 | $65 | $1,269 | $106 |
| GEICO | $749 | $62 | $2,165 | $180 |
| Country Financial | $821 | $68 | $2,214 | $185 |
| Allstate | $1,198 | $100 | $3,905 | $325 |
| State Farm (Nov. 2025 rates)* | $868 | $72 | $2,653 | $221 |
| Travelers* | $1,045 | $87 | $1,626 | $136 |
| USAA (military families)* | $825 | $69 | $1,831 | $153 |
| AAA* | $1,034 | $86 | $2,050 | $171 |
| Erie Insurance* | $575 | $48 | $2,256 | $188 |
| Auto-Owners* | $725 | $60 | $2,270 | $189 |
| Evanston average | $886 | $74 | $2,388 | $199 |
This table uses Evanston ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Your ZIP code matters
How Much More Does Better Coverage Cost in Evanston?
Raising liability limits from 50/100/50 to 100/300/100 adds about $77 a year on average in our Evanston data, with the same $500 deductibles. 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.
Is Car Insurance Going Up in Evanston?
Not for our benchmark driver. Comparing the same insurers in the same Evanston ZIP codes, full coverage averaged $2,538 a year nine months earlier and $2,388 in rates as of Aug. 31, 2026, a 5.9% drop. Allstate’s Evanston average rose 1.5%, but Progressive’s fell 19.4%, Country Financial’s 8.9% and GEICO’s 5.9%. 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 fell 0.2%, led by GEICO, which cut its liability-only average 4.6%.
What Shapes Car Insurance Costs in Evanston
Cook County averages about $230 a month for full coverage in our data, the highest of any Illinois county, but Evanston costs about $31 a month less.
Other North Shore towns are priced close to Evanston: Wilmette averages about $206 a month, Winnetka $193, Glenview $198 and Northbrook $195. Where you live is one of the factors Illinois insurers use, so your ZIP code can move your price.
How Evanston 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.
Skokie, about three miles west, averages $228 a month, and Des Plaines, about 10 miles west, $211. Chicago averages $250.
What Car Insurance Is Required in Evanston?
Drivers in Evanston 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 Evanston
- Compare Progressive, GEICO and Country Financial first. Progressive averages about $106 a month for full coverage among the four major insurers we compared in Evanston, and GEICO and Country Financial are effectively tied for next, at about $180 and $185 a month.
- Quote several insurers. In our Evanston data, the lowest and highest insurer averages are about $219 a month apart for the same driver and car.
- Look at your uninsured motorist limits. Illinois requires $25,000 per person and $50,000 per crash. If you buy higher uninsured motorist limits, your policy must also include underinsured motorist coverage, which pays when the driver who injures you has too little insurance.
- Compare at every renewal. Over the past nine months, Progressive has cut its Evanston average 19.4%, Country Financial 8.9% and GEICO 5.9%, while Allstate has raised its average 1.5%, so the order in our table can shift.
- 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 car insurance 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 your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Illinois, then compare free home insurance quotes.
Ready to compare
How We Calculated Evanston 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 Evanston 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.
Evanston Car Insurance FAQ
For our benchmark driver, full coverage in Evanston averages about $199 a month ($2,388 a year) and liability-only coverage at 20/40/15 limits about $74 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Illinois average of $201 a month.
It depends on the coverage. For full coverage, averages in Evanston run from about $106 to $325 a month across the four major insurers we compared, and the gap between the two lowest is too wide for us to call one insurer the cheapest. For liability-only coverage at 20/40/15 limits, GEICO has the lowest average among the four major insurers we compared, at about $62 a month. 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.
Evanston, for our benchmark driver. Evanston full coverage averages about $199 a month and Chicago about $250, a difference of about $51 a month for the same driver and car.
60201, on the north side, for our benchmark driver. It averages about $197 a month for full coverage, compared with $201 in 60202.
In our Evanston data, full coverage (100/300/100 with $500 deductibles) averages about $199 a month and liability-only coverage at 20/40/15 limits about $74, a difference of about $125 a month ($1,502 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Illinois law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Evanston full coverage fell 5.9% over the past nine months, from about $2,538 to $2,388 a year. Progressive cut its Evanston average 19.4%, Country Financial 8.9% and GEICO 5.9%, while Allstate raised its average 1.5%. Liability-only coverage at 20/40/15 limits fell 0.2%.
For our benchmark driver, full coverage in Evanston averages about $199 a month. Nearby, Skokie averages about $228, Des Plaines about $211 and Chicago about $250. Evanston is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
- 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.
