Compare car insurance quotes in Illinois
Jerry is a free app trusted by 31,889 Illinois drivers that compares insurance quotes from top carriers.
-
Get personalized options in minutes.
-
Buy, bundle and switch right in the app.
-
Licensed agents are ready to help if you need them.
Average Illinois car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Illinois, Jerry drivers pay less:
-
$61 to $125 per month for state-mandated minimum coverage.
-
$141 to $306 per month for full coverage.
Spending a few minutes comparing quotes can pay off fast. Over the last 12 months, Jerry has helped Illinoisans save an average of $848 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your Illinois car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Bear in mind that prices vary based on your specific situation, including the age of your car, where you live and how much you drive. Here are some full coverage rates that Jerry drivers in Illinois have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Illinois homeowners deal with a wide range of risks like tornadoes and severe thunderstorms in spring, heavy snowfall in winter and flooding along the state’s many river systems. Bundling home and auto insurance is a practical strategy to keep those insurance costs in check.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Illinois drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Illinois, shopping around helps you find the right fit.
That matters in Illinois, where rates in Chicago and the surrounding suburbs can be dramatically higher than what drivers downstate in Springfield, Peoria, or the rural counties are paying. City driving, vehicle theft rates, and dense traffic in the metro area all play a role. Jerry works with Illinois drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you find quotes from up to 12 trusted insurers in the Prairie State, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for Illinois drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in Illinois
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Illinois car insurance coverage requirements
Illinois drivers have to buy liability insurance coverage before they can legally drive their car. Minimum coverage requirements in this state include:
-
$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.
Of course, this is just the absolute minimum required if you want to get behind the wheel. If you want to better protect yourself, your car and the things you own, you might consider increasing your coverage limits or buying comprehensive and collision coverage, which many Jerry drivers do. Also keep in mind that over 15% of Illinois drivers are uninsured; buying uninsured/underinsured motorist (UIM) protection can give you even greater peace of mind.
-
Coverage definitions
Factors affecting Illinois car insurance rates in 2026
Freeze-thaw winters and slick roads
Illinois winters bring snow, ice and rapid freeze-thaw cycles that make roads slippery and chew up pavement. That combination drives up collision risk and pothole damage alike. We recommend keeping collision coverage active and comprehensive coverage for non-collision hazards like ice storms and falling debris.
Deer strikes
Illinois sees some of the highest wildlife-claim volumes in the country, particularly during fall. Comprehensive coverage is what pays for animal collisions, so it’s worth keeping if you drive outside city centers or commute on darker suburban and rural roads.
Chicago-area congestion
Dense traffic on the Eisenhower, the Dan Ryan and other Chicago-area corridors makes fender benders and multi-car crashes a daily reality. Consider carrying collision coverage so your repairs don’t depend on a drawn-out fault decision, and look into a telematics program to turn your safer driving into a lower rate.
Uninsured drivers
Nearly one in six Illinois drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Severe thunderstorms and hail
Spring and summer storms can bring hail, high winds and falling branches that damage vehicles even while they’re parked. Keeping comprehensive coverage protects your car from storm-related damage outside of a collision.
Higher repair costs in metro areas
Repair bills climb fast in and around Chicago due to labor rates, parts sourcing and the recalibration that modern vehicles need after even minor impacts. Choose a deductible you can comfortably pay, so a surprise repair estimate doesn’t keep you from filing a claim you’re entitled to.
Average cost of car insurance in major Illinois cities
|
City
|
Average monthly cost
|
|---|
|
City
|
Average monthly cost
|
|---|---|
| $253 | |
| $189 | |
| $169 | |
| $174 | |
| $184 | |
| $193 | |
| $203 | |
| $164 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Illinois quotes in as little as 2 minutes.
Learn more about driving in Illinois
-
Everything you need to know about Illinois towing laws.
-
How to get a temporary license plate in Illinois.
-
Learn how at-fault states affect your car insurance.
-
Understand the 6 main types of car insurance coverage.
FAQ
-
Is Illinois an at-fault car insurance state?
-
How does fault work in Illinois if both drivers share blame?
-
What happens if I drive without insurance in Illinois?
-
Do I need to carry uninsured motorist coverage in Illinois?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.