Illinois Car Insurance Calculator
Numbers updated
Just three questions. No name, email or phone needed. The Illinois average is set already.
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How old is the person who drives most often?
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How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
The Illinois averages the estimate is based on
Your estimate begins with Illinois NAIC averages. The calculator then adjusts that number for your age, driving record and the car.
| 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).
How the estimate shifts
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
Read more about car insurance in Illinois
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