Car Insurance in Illinois

Illinois drivers typically pay less for auto insurance than the national average.
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Car Insurance in Illinois

Average car insurance cost trends in Illinois

Drivers in Illinois have seen a 42.9% increase in auto insurance rates from January 2019 to September 2024, according to S&P Global’s data.

This may explain why drivers pay a monthly average of $199.08 for state-mandated minimum coverage. Compare that to the national average for minimum coverage which is currently $252.31.

In Illinois, drivers have to carry these minimum levels of coverage:

  • $25,000 for injury or death of one person in a crash.
  • $50,000 for injury or death of more than one person in a crash.
  • $20,000 for damage to property of another person.
  • $25,000 in uninsured motorist coverage per person.
  • $50,000 in uninsured motorist coverage per accident.

While reviewing car insurance quotes, it’s important to decide if you’re looking for just cheap car insurance or if you’re more focused on policies that provide extra protection through higher limits. Everyone’s financial and driving situations are different, which is why comparison shopping is so useful. Looking at several providers will help you determine your own average cost of car insurance.

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Recent auto insurance quotes from Illinois

Date of Policy
City
Insurance Company
Monthly Quote
July 13, 2025 Roselle National General $119
July 12, 2025 Lombard Dairyland $541
July 12, 2025 Springfield Progressive $51
July 12, 2025 Springfield Progressive $379
July 12, 2025 Addison National General $67
July 12, 2025 Zeigler Progressive $310
July 12, 2025 Taylorville Progressive $137
July 12, 2025 Roselle National General $111
July 12, 2025 Riverdale ROOT $381
July 12, 2025 Berwyn Gainsco $297
Last Updated Jul 14, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.
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Annie Millerbernd, Jun 24, 2025