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 $194.20 for state-mandated minimum coverage. Compare that to the national average for minimum coverage which is currently $247.88.
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.
Recent auto insurance quotes from Illinois
|
Date of Policy
|
City
|
Insurance Company
|
Monthly Quote
|
|---|---|---|---|
| June 14, 2025 | Chicago | Bristol West | $364 |
| June 14, 2025 | Evanston | Progressive | $100 |
| June 14, 2025 | Fox Lake | Progressive | $186 |
| June 14, 2025 | Pana | Progressive | $40 |
| June 14, 2025 | Taylorville | Bristol West | $116 |
| June 14, 2025 | Alton | Bristol West | $219 |
| June 14, 2025 | Chicago | National General | $84 |
| June 14, 2025 | Park City | Gainsco | $52 |
| June 14, 2025 | Vandalia | The General | $96 |
| June 14, 2025 | Clinton | Bristol West | $56 |
