What is the Average Cost of Auto Insurance in Illinois?

Car insurance is relatively cheap in Illinois. The average car insurance rate in Illinois is $1,120 annually — 21.6% less than the national average.

Your auto insurance premiums are impacted by factors aside from the state in which you live. Auto insurance premiums consider a number of details, including the insured party's marital status, driving history, credit rating, gender, and age.

We examined typical Illinois car insurance rates by each of the most common pricing components. Continue reading to learn how much auto insurance costs in your state — or enter your zip code to view tailored quotes from popular insurers.

 

Common Illinois car insurance rates by:

1. Age
2. Gender
3. Marital status
4. Credit score
5. Driving violations
6. Coverage level

 

Average Auto Insurance Rates in Illinois by Age Bracket

It’s a fact of life: as you get older, your auto insurance expenditures change. Typically, car insurance is more costly for young drivers, as car insurance companies see inexperienced motorists as less responsible.

In Illinois, car insurance costs $5,327 each year for a 16-year-old driver, versus $945 annually for a client between 50 and 59 years of age.

ILLINOIS AUTO INSURANCE RATES BY AGE BRACKET

Age	Average Annual Premium
16	$5,327.09
17	$4,549.86
18	$4,072.22
19	$2,778.82
20s	$1,537.58
30s	$1,083.20
40s	$1,054.02
50s	$945.36
60s	$999.19
70s	$1,189.33

If you're shopping for car insurance for a teen driver, Illinois is the 13th cheapest state in which to buy auto insurance for a 16-year-old.

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Average Auto Insurance Rates in Illinois by Gender

While gender doesn’t have as sizable an impact on car insurance rates as state or age, it is used as a rating factor by car insurance underwriters.

ILLINOIS CAR INSURANCE RATES FOR WOMEN AND MEN

Gender	Average Yearly Rate
Male	$1,102.86
Female	$1,094.66

If you're concerned about getting the best possible deal with your current car insurance company, the best course of action is to shop around.

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Mean Car Insurance Premiums in Illinois by Marriage Status

One pro of wedlock — in addition to the honeymoon — is the better deal you may receive on your car insurance policy. In Illinois, married drivers save $75 per year on auto insurance. This is less than the US post-wedding price break of $76.

ILLINOIS AUTO INSURANCE RATES BY MARITAL STATUS

Marital Status	Average Annual Rate
Single	$1,102.86
Married	$1,027.41
Divorced	$1,102.86
Widowed	$1,101.13

Auto insurance for divorced drivers in Illinois is the 40th most expensive in the nation. If you think you're overpaying for your car insurance policy, shop around. You could save big!

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Average Car Insurance Costs in Illinois by Credit Score

Insurers utilize credit history to gauge a potential customer's insurability. Data suggest drivers who carry solid credit are more dependable auto insurance customers: they less commonly file claims that cost auto insurance companies money.

In Illinois, a driver who maintains excellent credit saves $1,239.64 per year on car insurance, versus a driver saddled with a bad credit history. Learn more about how credit impacts car insurance rates:

ILLINOIS AUTO INSURANCE EXPENDITURES BY CREDIT TIER

Credit Score	Average Annual Rate
Very Poor (300-579)	$2,218.11
Fair (580-669)	$1,804.54
Good (670-739)	$1,426.31
Very Good (740-799)	$1,160.88
Exceptional (800-850)	$978.47

Finding inexpensive auto insurance coverage if you're saddled with a bad credit history can be stressful. But we're here to assist. Review our guide to getting car insurance with poor credit and save!

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Typical Car Insurance Costs for High-Risk Drivers in Illinois

If you’re found at fault in an accident or convicted of a driving offense, your insurance costs are going to climb. The more violations you rack up, the more expensive your car insurance gets.

In Illinois, your first minor at-fault accident leads to a penalty of $521.01 per year in auto insurance premiums. A DUI or DWI — among the most serious driving infractions — can raise your annual car insurance costs in Illinois by as much as $1,248.10.

ILLINOIS AUTO INSURANCE COSTS AFTER DRIVING OFFENSES

Violation	Average Yearly Rate
DUI/DWI	$2,367.66
Reckless Driving	$2,499.55
At-Fault Accident (<$1,000)	$1,640.57
At-Fault Accident ($1,000-$2,000)	$1,476.75
At-Fault Accident (>$2,000)	$1,640.57
Open Container	$1,448.06
Speeding (21-25 MPH > limit)	$1,274.52
Speeding (16-20 MPH > limit)	$1,262.82

If your premiums are above-average, it's worth comparing options to find affordable insurance coverage that covers your vehicle appropriately.

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Average Auto Insurance Costs by Coverage Tier in Illinois

How much you pay every month for auto insurance depends on the level of coverage you carry. A liability-only policy generally costs less, while low-deductible comprehensive coverage costs more. In Illinois, the price differential between liability-only coverage and comprehensive coverage with a $500 deductible is $635.

ILLINOIS AUTO INSURANCE COSTS BY COVERAGE

Coverage Level	Average Annual Rate
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only	$547
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision	$1,058
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision	$1,178
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only	$484
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision	$999
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision	$1,120
State Minimum — Liability Only	$422
State Minimum — $1,000 Comprehensive/Collision	$936
State Minimum — $500 Comprehensive/Collision	$1,057

If you're saddled with high car insurance costs, think about weighing your options to find reasonably priced coverage that covers your vehicle appropriately.