The Average Cost of Car Insurance in Illinois

Illinois Car Insurance: What Affects Auto Insurance Rates?

Car insurance in Illinois is like driving in Chicago traffic during rush hour - confusing, annoying and expensive. As we head into 2025 many Illinois drivers are wondering if they are getting a fair deal on their auto insurance. Whether you are driving down Lake Shore Drive or the rural roads of Southern Illinois, knowing what is a fair rate can save you some big bucks.

Let’s open up the hood on car insurance in Illinois and see what affects your rates.

What Factors Affect Your Illinois Auto Insurance Rates

Want the cheapest car insurance in Illinois? Where you park your car at night matters. Urban drivers, especially those in Chicago, often pay more for car insurance in Illinois due to higher traffic density and crime rates. But rural residents may find cheaper options.

• Illinois Driving Record: Have you been speeding on I-55? Your history of accidents, traffic tickets and claims impacts your car insurance in Illinois.
• Type of Vehicle: Whether you are driving a pickup for farm work in Champaign or a sedan for commuting in Springfield your vehicle type affects your rate.
• Illinois Demographics: In Illinois factors like age, gender and marital status can impact your rate. Young drivers in particular pay more.
• Credit Score: Like it or not your credit score impacts your car insurance rates in Illinois.

These all combine to make up your car insurance in Illinois and affect your total cost and how much coverage you can afford.

Insurance Navy, one of the top auto insurance companies in Illinois, takes all of these into account when setting car insurance rates for Illinois drivers. We want to make sure each policy matches the individual risk of every Illinois driver, whether they are driving on busy interstate highways or country roads.

As we get into this guide we’ll break down how these Illinois specific factors work together and give you the information you need to get the cheapest car insurance policy for you and your family in Illinois.

2025 Illinois Average Car Insurance Costs: How Much?

The national average cost for full coverage car insurance is around $1,700 a year but the Illinois average cost is slightly less. Car insurance companies offer different rates and you should compare the cheapest companies in Illinois to get the best deal. But rates vary across the state. Chicago drivers pay more than those in smaller cities like Peoria or Rockford.

Remember these are just average car insurance costs. Your actual cost could be more or less.

Illinois Car Insurance Costs by Demographics

Age is more than just a number when it comes to car insurance in Illinois. Young drivers fresh out of high school in Naperville or college students at the University of Illinois pay more due to the different car insurance coverage options available, minimum liability insurance and full coverage policies. On the other hand, experienced drivers approaching their golden years in Galena may get better rates.

Insurance Navy recognizes this age gap and works hard to find the best rates for drivers of all ages. We know a 20 year old driving to class in Champaign has different needs and risk factors than a 50 year old professional in downtown Chicago.

That’s why Insurance Navy offers policies that take into account not just age but also driving experience, vehicle type and other factors specific to each Illinois driver. Whether you are a teen driver in Evanston getting behind the wheel for the first time or a retiree in Carbondale with decades of safe driving under your belt, Insurance Navy will try to give you fair and affordable options.

Credit History

Your credit score plays a part too. If your credit is as flat as central Illinois you may pay more. But don’t worry - Insurance Navy specializes in finding affordable coverage for all Illinois drivers regardless of their credit situation.

Our team knows credit scores don’t tell the whole story of a driver’s reliability or risk level. That’s why Insurance Navy takes a holistic approach and considers multiple factors beyond credit when creating policies for Illinois residents.

Whether you are rebuilding your credit in Rockford or maintaining a perfect score in Schaumburg, Insurance Navy will find you the best rates without making your credit history the only deciding factor.

Driving Record

And if you’ve had a recent run in with Illinois law enforcement (we’re looking at you, speeders on I-90), your rates may take a hit. But Insurance Navy is here to help even if you don’t have a clean driving record. We know mistakes happen, whether it’s a momentary lapse of judgment on the Dan Ryan Expressway or a fender bender in a Peoria parking lot.

Insurance Navy finds affordable options for drivers with imperfect records including those who need SR-22 insurance in Illinois. With Insurance Navy, Illinois drivers can find a way to reasonable rates and full coverage no matter what’s in their past.

Your Illinois Ride and Your Wallet

The vehicle you drive can impact your insurance costs in Illinois. That new electric car for zipping around Chicago may cost more to insure than a sedan for commuting in Bloomington. But whether you drive a sports car or a minivan, Insurance Navy can find a policy that fits your needs and your budget.

We know the different vehicles across the Prairie State, from pickup trucks driving through the farmlands near Decatur to luxury SUVs cruising the North Shore. Our agents are knowledgeable about insuring various vehicle types in Illinois and will find you the best rates without sacrificing coverage.

Zip Codes: Where you live in Illinois affects the cost of auto insurance

Your ZIP code plays a big part in determining your auto insurance rates in Illinois more than you might think. Insurance Navy knows Illinois is a state of contrasts, from the urban cityscape of Chicago to the cornfields of central Illinois and we factor those differences into our rates.

For example, if you live in a Chicago ZIP code like 60601 in the Loop you may pay more due to higher traffic density, higher crime rates and higher accident risk. On the other hand, residents in a rural ZIP code like 62056 in Jacksonville may pay less due to lower traffic and lower crime rates.

Rates can vary: even within the same city or county

Even within the same city rates can vary. A driver in Chicago’s 60614 ZIP code in Lincoln Park may pay a different rate than someone in the 60619 ZIP code in Chatham, because of different accident frequencies, theft rates and other risk factors specific to each neighborhood.

Illinois Minimum Car Insurance Requirements

In Illinois the minimum auto insurance requirements are liability only which includes uninsured/underinsured motorist bodily injury (UMBI) coverage. The coverage must be at least:

• Bodily injury liability: $25,000 per person.
• Bodily injury liability: $50,000 per accident.
• Property damage liability: $20,000 per accident.
• UMBI: $25,000 per person.
• UMBI: $50,000 per accident.

While these meet the minimum legal requirements, it’s a good idea to consider more. For example, if you cause a big accident and the damages are $20,000 or more, you’ll be personally responsible for the difference.

The Illinois Secretary of State also uses the Illinois Insurance Verification System (ILIVS) to check for compliance with insurance laws. Vehicle owners are randomly selected to provide proof of insurance. If you don’t respond or say you have no insurance, your license plate will be suspended.

The Insurance Navy Way to Get You the Cheapest Car Insurance

Whether you live in a high rate ZIP code in downtown Chicago or a lower rate area in downstate Illinois, Insurance Navy will find you the best rates. We use our knowledge of Illinois’s varied geography to give you fair and competitive pricing no matter where you live in the Prairie State.

Get an Estimate of Your Illinois Car Insurance

Want to get a rough idea of your Illinois car insurance costs? Insurance Navy can guide you through the process. Start by gathering some key info that will help you get an idea of how much auto insurance will cost you.

1. Your Illinois ZIP code

Want cheap car insurance? Where you live matters. Whether you’re in busy Chicago or quiet Galena, your location matters. Insurance Navy knows a ZIP code in the heart of Chicago’s Loop (like 60602) is different from one in suburban Naperville (like 60540) or rural Galena (61036).

We consider factors such as local traffic patterns, crime rates and even weather related incidents specific to your area. For example, we know drivers in Chicago may face higher risk of theft or vandalism, while those in more rural areas may face risk of wildlife collisions.

2. Your age and driving history in Illinois

Insurance Navy knows a 25 year old in Springfield with a clean record is different from a 50 year old in Peoria with a couple of tickets. We consider not just your age but how long you’ve been driving in Illinois.

Have you been driving in Chicago’s complex highway system for years? Or are you a new driver just getting used to the rural roads of Southern Illinois? All these factors go into calculating your Illinois car insurance cost.

3. Your vehicle

We consider the specifics of your vehicle. Are you driving a rugged truck for farm work in Champaign County or an electric car for tight parking in Chicago’s streets? We know a luxury SUV in Winnetka has different insurance needs than a sedan in Carbondale. Your car’s safety features, repair cost and likelihood of theft all go into the calculation.

4. Your coverage level

Remember, Illinois has minimums but Insurance Navy can help you determine if those are enough for you. We know a minimum coverage policy may be fine for a college student in Normal with an older car but a business owner in Oak Brook with a new luxury vehicle may need more coverage.

By considering all these factors, Insurance Navy can give you a personalized estimate that fits your situation as an Illinois driver. We’ll explain how each factor affects your rate and can suggest ways to lower your costs while still having the coverage you need to drive safely in Illinois.

5. Savings and Discounts on Car Insurance in Illinois

When shopping for car insurance in Illinois don’t forget to look for discounts that can save you money. Many insurance companies offer discounts for safe driving records, defensive driving courses, bundling multiple policies or having specific safety features in your vehicle.

Illinois Average Car Insurance Cost

Full coverage auto insurance in Illinois averages around $1,400 per year, which is slightly below the national average. That’s right, you could almost buy a decent used car for what some Illinoisans are paying annually to insure their vehicles!

If you’re only looking at state minimum coverage you’re looking at around $450 per year. But here’s where it gets interesting – and where Insurance Navy really comes in handy in helping you manage your insurance costs in Illinois.

Illinois Auto Insurance Rates Vary… A Lot

Remember these are just averages. Your actual cost will vary greatly depending on where you live in Illinois. It’s like the Illinois lottery, some areas hit the jackpot of affordability and others… Well, let’s just say they’re feeling the pinch with high insurance rates.

Illinois Cities with the Lowest Auto Insurance

Take Peoria, Bloomington and Champaign for example. These cities are the budgeters of the Illinois car insurance world, with the lowest rates in the state. If you live in one of these areas you may be paying significantly less than the state average cost for auto insurance. If you’re looking for cheap car insurance, getting quotes and advice on where to find the best options in these cities can save you a lot.

Illinois cities with lower average car insurance rates:

Looking for cheap car insurance in Illinois? Try these four cities…

1. Peoria (61602)
2. Bloomington (61701)
3. Champaign (61820)
4. Springfield (62701)
5. Decatur (62521)

But don’t start celebrating yet – Insurance Navy may be able to save you even more! From full coverage car insurance to liability only and even Illinois SR22 Insurance, we’ve got you covered. Get a free quote today and compare our rates to see why so many Illinoisans choose Insurance Navy.

Illinois Cities with the Highest Average Cost for Car Insurance

On the other hand, if you’re driving in Chicago, Aurora or Rockford you may want to sit down. These cities are at the top of the list with the highest car insurance rates in Illinois. But if you’re looking for cheap car insurance we have information on the cheapest options in the state.

Illinois cities with higher average car insurance rates:

If you’re looking for cheap car insurance, stay away from these cities where auto insurance companies charge more for car insurance in Illinois…

1. Chicago (60601)
2. Aurora (60502)
3. Rockford (61101)
4. Joliet (60431)
5. Naperville (60540)

Don’t worry about cheap car insurance just yet! This is where Insurance Navy can save the day (and your wallet). We know the ins and outs of insuring vehicles in different parts of Illinois, from the city streets of Chicago to the country roads of downstate.

Wherever you live in the Prairie State we’ll find you the best rates and coverage options for you.

Illinois Car Insurance: Are You Paying the Prairie Premium?

Ever wonder why your insurance premiums in Illinois seem to have a mind of their own? It’s time to pull back the curtain and see what’s really driving your insurance costs in the Land of Lincoln.

Age and Car Insurance in Illinois

If you’re a young driver in Illinois, hold onto your Cubs cap. You’re in for a wild (and potentially expensive) ride. Why? Because to insurance companies you’re like a Chicago wind - unpredictable. But don’t worry, Insurance Navy gets it. We know you’re not just another statistic driving down Lake Shore Drive. We’re experts at finding ways to keep your premiums from eating up your deep dish pizza budget.

As you drive through life in Illinois, from the city streets of Chicago to the country roads of Carbondale you’ll notice your insurance rates mellowing out like a fine Illinois wine. That’s right, getting older in the Prairie State has its perks! Your rates will likely decrease as you add more candles to your birthday cake. But heads up – once you hit 65 you may see a slight increase.

Credit Score and Car Insurance in Illinois

In Illinois it’s like a backseat driver on your insurance journey. If your credit score is lower than the Cubs’ World Series appearances your insurance rates may be higher than the Willis Tower. Tough break we know. But Insurance Navy is here to help you navigate these Prairie State pitfalls no matter what your credit score says.

Illinois Car Insurance Premiums: It’s All About Your Ride and Your Wallet

Vehicle Type and Car Insurance in Illinois

Your ride in the Prairie State can increase your premiums faster than a Midwestern thunderstorm. Sports cars zipping through Chicago traffic, luxury vehicles parked in Oak Brook driveways, electric vehicles cruising Champaign streets, and even cars Illinois car thieves can’t resist - they all come with a higher price tag.

But don’t worry, Insurance Navy knows the thrill of driving your dream car on Illinois roads and we’re experts at finding ways to keep your premiums affordable.

Gender and Car Insurance in Illinois

In the Prairie State, male and female drivers face different premiums when it comes to the average annual cost of auto insurance. Historically, male drivers in Illinois have paid more than female drivers, especially in younger age groups.

This is based on statistical data that shows male drivers, especially young males driving in cities like Chicago or Springfield, are more likely to engage in reckless driving, get into accidents and file claims.

But keep in mind the impact of gender on rates can vary in Illinois. Insurance Navy, like other providers, looks at multiple factors beyond gender when calculating premiums for Illinois drivers.

Insurance companies look at your driving history on Illinois roads, your age, if you live in Chicago or Galena and the type of vehicle you drive. So just because you’re a male doesn’t mean you can’t get affordable car insurance rates.

Driving Offenses and Car Insurance Rates in Illinois

If you’ve had a recent encounter with Illinois law enforcement (we’re looking at you, speeders on I-55) get ready for a premium surprise and throw out any thoughts of cheap car insurance.

Insurance companies view you as a high risk driver and your rates will reflect that faster than you can say “Chicago-style hot dog”. But don’t lose hope! Insurance Navy specializes in insuring all Illinois drivers, even those with a few bumps in the road.

Your Driving Record: The Silent Navigator of Your Illinois Insurance Rates

Imagine this: your Illinois driving record is like a report card that follows you from the Magnificent Mile to the Mississippi River. Every fender bender on Michigan Avenue, every speeding ticket on I-90, every oopsie moment gets recorded. And just like that strict teacher you had at the University of Illinois, insurance companies are keeping score - and they’re not afraid to use it against you when calculating your premiums.

At-Fault Accidents and Car Insurance Rates in Illinois

If you’ve recently been in an at-fault accident in the Prairie State, hold onto your corn on the cob. Your average car insurance cost could increase faster than you can say “Go Illini!” But before you trade your car for a Chicago ‘L’ pass remember Insurance Navy is here to help absorb that financial hit for Illinois drivers.

Speeding Tickets and Car Insurance Rates in Illinois

And for all you Illinois speeders treating I-57 like your personal racetrack, here’s your wake up call: one speeding ticket in Illinois can increase your rates higher than a Ferris wheel at Navy Pier. It’s like the insurance world is saying, “Oh you like speeding past the Bean? Let’s see how quickly we can drain your bank account!”

Insurance Navy: Your Illinois Insurance Ally for Less than Perfect Driving Records

Not all auto insurance companies are created equal. Insurance Navy knows nobody’s perfect, especially on Illinois roads. We all make mistakes, whether it’s misjudging that Chicago intersection or getting distracted by the beautiful Illinois countryside. That’s why we specialize in finding great rates for Illinois drivers with less than perfect records, including SR-22 coverage.

We know you’re more than just your Illinois driving history and work with you to find every possible discount, explore different coverage options and make sure you’re not paying more than you have to.

So whether you have a driving record as clean as Lake Michigan or a few dings from navigating Chicago traffic, Insurance Navy has you covered. We’ll help you navigate the complex world of Illinois insurance rates no matter what your driving history looks like.

A ding on your Illinois driving record doesn’t have to be a life sentence to high insurance rates. With Insurance Navy you have a partner who will find you the best coverage at the best price regardless of your Prairie State driving history.

Don’t let your past mistakes on Illinois roads keep driving up your insurance costs. Call Insurance Navy today and see how we can help you overcome your driving record and save.

Average Full Coverage Car Insurance Rates in Illinois

What Full Coverage Car Insurance Covers

Let’s first start with what full coverage car insurance covers. Think of it as the whole package, liability, comprehensive and collision all in one.

Liability Insurance: Liability insurance covers the costs if you’re at fault in an accident and responsible for injury or damage to another person or their property. It includes bodily injury liability, property damage liability, and uninsured motorist bodily injury coverage (UMBI).

Comprehensive Insurance: Comprehensive insurance covers damage to your vehicle not caused by a collision, such as theft, vandalism, natural disasters or hitting an animal. It helps repair or replace your car in these situations.

Collision Coverage: Collision coverage pays for damage to your vehicle from a collision with another car or object, regardless of who’s at fault. This coverage helps repair or replace your car if it’s damaged in an accident.

Full Coverage Car Insurance Rates

Full coverage car insurance rates vary based on your driving record, the vehicle you drive and your location. By comparing different insurance options you can get the best rates. It’s important to understand how these factors affect your premiums.

The average annual full coverage in Illinois is around $2,543 with a 26% increase in 2025. That’s a big jump! But here’s where Insurance Navy comes in. We specialize in custom full coverage policies that provide great coverage without breaking the bank with our competitive rates.

Whether you’re driving a sports car or a family minivan, whether you’re logging miles or just running errands, Insurance Navy is your go to partner for the best rates. We’ll work hard to match you with the right policy at the right price. So why wait? Call Insurance Navy today and start saving smarter!

How to Lower Your Car Insurance in Illinois

The Car Insurance Code: Your Guide to Savings

Ever feel like figuring out your car insurance costs is like reading tea leaves? Forget the fortune telling; Insurance Navy has the answer! Understanding your premiums is key to getting the best rates.

Quote Wizards and Calculators

Start with your ZIP code. It’s more than just a mail route; it’s your key to knowing what others are paying in your area. Insurance Navy’s tools make it easy to get an estimate of what others are paying near you. Knowing the state’s average cost gives you the advantage, like knowing the price of a car before you walk into a dealership.

Annual Review

Best way to lower your rates? Shop around! Insurance Navy recommends doing a yearly review or anytime there’s a big life change. Got a new job? Just got married? Bought a house?

These events could mean new savings and we’re here to help you find them. Maybe you no longer need comprehensive coverage or perhaps collision coverage is smart if you just bought a new car. Whatever your situation Insurance Navy will guide you through the process, analyzing auto insurance costs and finding the best rate for you and your family.

Clean Driving Record

Here’s a pro tip: keep your record clean. A clean record shows you’re a good driver and that can save you money. If you have a few dings on your record you may pay more. But don’t worry; Insurance Navy can still help you get the best rates.

Pro Tips for Drivers

Boost your credit score and hunt for discounts. At Insurance Navy we’re experts at finding every possible discount from good student discounts to safe driver bonuses. Don’t forget to check out the cheapest companies in Illinois for different driver profiles. Whether you’re a perfect driver or have a few hiccups we can help you find the insurer that will give you the best rate.

Figuring out and lowering your car insurance doesn’t have to be a shot in the dark. With Insurance Navy on your side you have a partner that will find you the best coverage at the best price. We’ll make sure you’re not overpaying, taking advantage of every discount and getting the coverage you need.

So why guess about your car insurance? Call Insurance Navy today and let us turn those estimates into real savings. With our expertise you’ll be on the road to cheaper insurance in no time. Don’t just guess—optimize your car insurance with Insurance Navy!

2025 Illinois Car Insurance: Navigating the Ups and Downs

Buckle up everyone! 2025 car insurance is a wild ride but don’t worry we’ve got you covered. First the not-so-good news: car insurance rates are rising faster than ever. Whether it’s inflation, supply chain issues or the increasing cost of accidents with comprehensive coverage your wallet will feel the pinch. But don’t panic! Insurance Navy is here to help you manage these rising rates.

Here’s an interesting stat: nearly 50% of all auto insurance customers are shopping for a new policy. It’s like a big game of musical chairs and Insurance Navy is here to help you find the best seat before the music stops. We’re experts at finding the hidden deals in this crazy market so you don’t overpay just because rates are rising everywhere. We work hard to find you a car insurance rate that fits your budget.

Now let’s talk about inflation—the unwanted guest at every financial party. It’s not just making groceries more expensive; it’s also driving up the cost of car repairs and replacements. Parts are more expensive, labor costs more and if your car gets totaled replacing it will be costly too.

At Insurance Navy we get it and have ways to help you ride out the storm. Whether it’s adjusting your coverage, finding new discounts or exploring new policy options we’ll do everything we can to keep your rates as low as possible without sacrificing the coverage you need.

In times of rising costs and market uncertainty having a knowledgeable partner like Insurance Navy is more important than ever. We’re not just watching these trends, we’re actively working to help our customers navigate them and get the insurance they need.

So while everyone else is raising rates and hoping you won’t notice Insurance Navy is rolling up our sleeves and finding ways to save you money. Call us today for free car insurance quotes to see how we can help you beat the market and keep more cash in your pocket.

With Insurance Navy you’re not just getting insurance—you’re getting a smart partner in these crazy times! Get a Free Quote for cheap car insurance in Chicago today!