Car Insurance in Illinois

Illinois drivers typically pay less for auto insurance than the national average.
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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 $195.05 for state-mandated minimum coverage. Compare that to the national average for minimum coverage which is currently $252.05.

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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Recent auto insurance quotes from Illinois

Date of Policy
City
Insurance Company
Monthly Quote
July 7, 2025 Machesney Park National General $196
July 7, 2025 Peoria Clearcover $67
July 7, 2025 Joliet Progressive $173
July 7, 2025 Harvey National General $159
July 7, 2025 Des Plaines Progressive $214
July 7, 2025 Rock Island Bristol West $206
July 7, 2025 Mount Morris Bristol West $212
July 7, 2025 Arlington Heights Progressive $182
July 7, 2025 Chicago National General $100
July 7, 2025 Plainfield Bristol West $301
Last Updated Jul 9, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.
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