Car Insurance in Illinois
Illinois drivers typically pay less for auto insurance than the national average.
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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 $194.55 for state-mandated minimum coverage. Compare that to the national average for minimum coverage which is currently $248.42.
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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Car insurance in various Illinois cities (July 2025)
Cheap Car Insurance in Chicago
Drivers in Chicago might pay more than those in more rural areas, but affordable coverage is within reach for those who cost-compare with multiple insurers.
Cheapest car insurance in Joliet, Illinois (2025)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Joliet, Illinois.
Cheapest car insurance in Elgin, Illinois (2025)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Elgin, Illinois.
Cheapest car insurance in Rockford, Illinois (2025)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Rockford, Illinois.
Recent auto insurance quotes from Illinois
|
Date of Policy
|
City
|
Insurance Company
|
Monthly Quote
|
|---|---|---|---|
| June 29, 2025 | Oakbrook Terrace | Bristol West | $75 |
| June 29, 2025 | Granite City | Bristol West | $416 |
| June 29, 2025 | Jerseyville | Clearcover | $101 |
| June 29, 2025 | Belleville | Progressive | $185 |
| June 29, 2025 | Belleville | Clearcover | $235 |
| June 29, 2025 | Chicago | National General | $445 |
| June 29, 2025 | Evanston | Progressive | $87 |
| June 29, 2025 | Chicago | National General | $78 |
| June 29, 2025 | Waukegan | The General | $169 |
| June 29, 2025 | Chicago | Bristol West | $92 |
Last Updated Jul 1, 2025
Car insurance companies in Illinois
Annie Millerbernd, Jan 8, 2025
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State of Illinois resources
