Compare car insurance quotes in Illinois
Jerry is a free app trusted by 31,889 Illinois drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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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:
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$61 to $125 per month for state-mandated minimum coverage.
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$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
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 up to 40% 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 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.
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.
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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 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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City
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Average monthly cost
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|---|---|
| $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
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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.
FAQ
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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?
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.