Full Coverage Car Insurance in Illinois
Numbers refreshed on
Liability, collision and comprehensive together, priced from the Illinois averages.
- $115average a month for full coverage
- 25/50/20minimum liability limits
- 29th of 51most expensive state (1st = highest)
What full coverage costs in Illinois
Full coverage adds collision and comprehensive to liability. In Illinois those two parts add $734 a year on top of the $649 liability average.
| 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).
When full coverage stops paying off
Lenders and lease companies require it while you owe money on the car.
Once the car is paid off, compare its value with the $734 a year the extra cover costs. If one bad year of premiums would buy most of the car, liability only is usually the better deal.
Full coverage by car in Illinois
Estimates for an adult with a clean record, from IIHS-HLDI loss results. The cheapest and dearest of the 40 models we price:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $891 | $74 |
| Honda CR-V | $896 | $75 |
| Subaru Outback | $958 | $80 |
| Toyota RAV4 | $1,041 | $87 |
| Mercedes-Benz C-Class | $1,886 | $157 |
| Chevrolet Camaro | $2,203 | $184 |
| Dodge Charger | $2,462 | $205 |
| Dodge Challenger | $2,579 | $215 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
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