Compare car insurance quotes in Illinois
Jerry uses real data from 25,080 Illinois drivers to help you:
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Compare insurance options in minutes.
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Bundle, buy, and switch in the app or by phone.
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Avoid long forms and phone calls.
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 $383 a month for full coverage. But in Illinois, Jerry drivers pay less:
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$62 to $125 per month for state-mandated minimum coverage, and
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$142 to $303 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often get even lower rates. This last year, Jerry has helped Illinoisans save an average of $845 on coverage just by comparing their options. Jerry makes it easy to shop rates and personalize your coverage on Illinois car insurance in under 10 minutes. Our process is free and completely online, so you never have to worry about us selling your information or spamming you with phone calls.
That said, each driver’s personal price will depend on a number of factors, including your driving history, what you drive and where you live. 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
One of the best ways to save on home insurance in Illinois is by bundling your car and home insurance. On average, Jerry homeowners save between 15% and 25% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle 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 that means building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Illinois that you can find.
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:
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$25,000 for injury or death of one person in a crash.
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$50,000 for injury or death of more than one person in a crash.
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$20,000 for damage to property of another person.
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$25,000 in uninsured motorist coverage per person.
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$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 your assets, 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.
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 can turn roads slippery and rough. That combination increases collision risk and can also contribute to pothole-related damage, which is why many drivers keep full coverage.
Deer strike risk in fall
Illinois routinely sees a high volume of wildlife-related claims, particularly during the fall months. Collisions with animals generally fall under comprehensive coverage, so it’s a key protection if you drive outside city centers or commute on darker suburban and rural roads.
Chicago-area congestion and claim frequency
Dense traffic on Chicago-area corridors raises the likelihood of fender benders and multi-car accidents. Collision coverage is the main backstop for repairing your own car after a crash, especially in stop-and-go driving.
Uninsured drivers
Nearly 1 in 6 Illinois drivers is uninsured. UM/UIM coverage can protect you if you’re hit by someone without enough insurance to cover the damage.
Severe thunderstorms and hail
Spring and summer storms can bring hail, high winds, and falling debris that damage vehicles even when they’re parked. Comprehensive coverage typically applies to storm-related damage that isn’t caused by a collision.
Higher repair costs in metro areas
Repairs can cost more in and around major metros due to labor rates, parts, and the extra work modern vehicles require after an impact. Choosing deductibles you can comfortably pay helps make your coverage practical when a “small” claim turns into a big bill.
Average cost of car insurance in major Illinois cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $252 | |
| $189 | |
| $169 | |
| $173 | |
| $184 | |
| $191 | |
| $207 | |
| $165 |
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
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Everything you need to know about Illinois towing laws.
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How to get a temporary license plate in Illinois.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
FAQs
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Is Illinois an at-fault car insurance state?
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How does fault work in Illinois if both drivers share blame?
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What happens if I drive without insurance in Illinois?
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Do I need to carry uninsured motorist uninsured motorist coverage in Illinois?
