Average Car Insurance Cost in Illinois
Numbers refreshed
NAIC coverage averages for Illinois include the state's national rank.
- $1,383.yearly average for full coverage.
- 25/50/20.These are the minimum limits for liability.
- 29th of 51.highest cost state (1st = highest).
Illinois coverage cost averages
Illinois full coverage costs an average of $1,383 each year. This figure is 14% below the US yearly average of $1,613.
Average spending for each insured car rose from $1,153 in 2023 to $1,264 in 2024, an increase of 9.6%.
| Coverage in Illinois | Per year | Per month |
|---|---|---|
| Liability | $649 | $54 |
| Collision | $473 | $39 |
| Comprehensive | $261 | $22 |
| Full coverage (all three) | $1,383 | $115 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Illinois compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Alaska | 26th | $1,399 | $117 |
| Pennsylvania | 27th | $1,396 | $116 |
| Alabama | 28th | $1,388 | $116 |
| Illinois | 29th | $1,383 | $115 |
| Oregon | 30th | $1,375 | $115 |
| Minnesota | 31st | $1,373 | $114 |
| West Virginia | 32nd | $1,367 | $114 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number that applies to you
Every age and driving record appears in the averages. The Illinois calculator adjusts for your age and record.
First written