Car Insurance in Illinois
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- How much does car insurance cost in Illinois?
- Top auto insurance providers in Illinois
- What car insurance do you need in Illinois?
- How is your cost of car insurance determined in Illinois?
- How to save money on car insurance in Illinois
- Registering your car in Illinois
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Despite being home to the third-largest city in the United States and more highway miles than any state east of the Mississippi, insurance rates in Illinois are below the national average. That doesn’t mean there aren’t more ways to save money by shopping with Jerry.
Illinois is covered by sparse rural areas and farmland, but it’s also home to Chicago—which has 2.7 million residents. Additionally, Illinois is prone to harsh winter weather, netting above-average yearly precipitation. These all contribute to the rates of car insurance premiums for Illinois residents.
However, your location is just one thing providers consider when they set your car insurance rates. They also will look at your age, driving history, and other factors.
To help with your car insurance shopping, compare quotes Jerry! Jerry is a car super app that will help you find the best car insurance prices for the policy you need. Sign-up takes about 45 seconds, and Jerry will provide you with quotes from over 50 top insurance providers. The average Jerry user saves $879 per year on car insurance.
Don’t believe us? These are actual quotes and savings from customers in Illinois who switched with Jerry:
| Quote Date | Car | City | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|
| May 9, 2022 | Toyota Scion Xb | Chicago | Clifford A. | 51 | Gainsco | $94/mo. | $69/mo. |
| May 17, 2022 | Honda Accord EXL | Hanover Park | Amy H. | 24 | Electric | $183/mo. | $115/mo. |
| April 29, 2022 | Chevrolet Malibu LS | Chicago | Samuel N. | 32 | Clearcover | $250/mo. | $122/mo. |
| April 28, 2022 | Chevrolet Malibu LT | Alton | Essie M. | 44 | Clearcover | $186/mo. | $128/mo. |
| May 17, 2022 | Ford Taurus Sho | Lansing | Marcus B. | 80 | Clearcover | $239/mo. | $164/mo. |
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How much does car insurance cost in Illinois?
The average cost of liability-only car insurance in Illinois is $1,595 per year. If you prefer to buy full coverage car insurance in Illinois, you can expect to pay an average cost of $1,939 per year.
How does the cost of car insurance in Illinois compare to the rest of the country?
Compared to nationwide averages, it costs $1,626 per year for liability-only car insurance and $2,298 per year for full-coverage car insurance.
What impacts Illinois car insurance rates? This is what to consider:
- Interstates: In the middle of the country, Illinois has many cross-state freeways—which see countless commuters each day
- Busy cities: Chicago is the third-largest city in the United States, with congested roadways and more propensity for accidents
- Harsh weather: Illinois’s roads can be icy due to below freezing temperatures in the winter
Here’s how Illinois insurance premiums stack up to nationwide averages:
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| IL | $2,035 | $1,401 | $1,697 | $1,082 | $2,547 | $1,730 |
| National Average | $2,436 | $1,660 | $2,296 | $1,376 | $2,654 | $1,962 |
| IL | National Average | |
All Coverage Before Jerry | $2,035 | $2,436 |
All Coverage After Jerry | $1,401 | $1,660 |
Minimum Coverage Before Jerry | $1,697 | $2,296 |
Minimum Coverage After Jerry | $1,082 | $1,376 |
Full Coverage Before Jerry | $2,547 | $2,654 |
Full Coverage After Jerry | $1,730 | $1,962 |
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Top auto insurance providers in Illinois
Many popular car insurance providers serve residents of Illinois. Common carriers include Geico, State Farm, and Travelers because of their general affordability and accessibility for drivers in Illinois.
However, you might find that another provider works better for you based on your profile.
Every provider uses its own formula to determine car insurance rates, so it’s common to get very different quotes from each one—even for identical policies. Illinois car insurance carriers will consider your age, credit score, location, and other factors before setting your rates.
Your car insurance rates are also impacted by the vehicle you drive. A Toyota Camry is a common choice for Illinois residents, and it will be cheaper to protect because of its lower MSRP and the low cost of repairs and replacement parts. The Jeep Wrangler Unlimited is another common choice for Illinois drivers, but that car will have higher insurance costs because of its high starting price and the likelihood of needing repairs.
No matter their demographics, Jerry can help Illinois drivers find the best rates on car insurance. These are some of the best savings we have found for our customers in Illinois:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Kemper | $2,349 | $866 | Compare Prices |
| Dairyland | $2,796 | $807 | Compare Prices |
| Nationwide | $2,496 | $787 | Compare Prices |
| Safeco | $2,386 | $743 | Compare Prices |
| National General | $2,394 | $727 | Compare Prices |
| Clearcover | $2,250 | $722 | Compare Prices |
| Allstate | $2,145 | $694 | Compare Prices |
| Travelers | $2,207 | $624 | Compare Prices |
| State Auto | $2,242 | $560 | Compare Prices |
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What car insurance do you need in Illinois?
Illinois drivers are required to carry minimum liability insurance before getting behind the wheel. This coverage includes the following:
| Coverage | Amount | Description |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident | Covers the costs associated with injuries you cause to others |
| Property damage liability | $20,000 per accident | Covers the costs associated with the damage you cause to other people’s vehicles or property |
You could face penalties if you are caught driving without insurance, including:
- Up to $1,000 for a first offense
- $1,000 fine for driving with suspended plates due to an insurance violation
- Drivers license and vehicle registration suspension of up to three months
- $100 reinstatement fee
Liability insurance protects other drivers if you are in an accident, but it doesn’t cover you or your car. It’s a good idea to carry more than the minimum liability insurance because of that. Illinois drivers should consider the following insurance:
| Coverage | Description |
|---|---|
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object |
| Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster |
| Roadside assistance | Covers the costs associated with a breakdown |
Jerry will help you find the most affordable policy regardless of the coverage you choose.
Sign-up is quick and easy, and Jerry will find quotes from 50+ of the top insurance companies. Jerry helps you through the entire process, including all of the paperwork and changeover. Jerry will even provide you with quotes each time your policy is up for renewal—so you know you’re always getting the best rates.
Now that we’ve gone over your basic insurance information, here’s what to consider about insurance in Illinois.
How is your cost of car insurance determined in Illinois?
Illinois carriers will consider a variety of factors when setting car insurance premiums, including your age, driving record, vehicle, and more.
What young drivers in Illinois need to know
- Drivers under the age of 25 in Illinois are considered high-risk drivers because of the higher accident or infraction rates for younger drivers
- To earn a discount on premiums, young drivers can take a defensive driving course
- Young drivers who keep a B average or higher could be eligible for a good student discount
To keep rates lower, young drivers should shop around for quotes and maintain a clean driving record.
Jerry will help young drivers save money by comparing quotes from top providers. Here are the average rates for drivers in Illinois by age:
| Age Group | Average Cost | Annual Savings with Jerry |
|---|---|---|
| 18-20 | $2,480 | $893 |
| 21-24 | $2,512 | $856 |
| 25-34 | $2,291 | $827 |
| 35-44 | $2,165 | $817 |
| 45-54 | $2,134 | $774 |
| 55-64 | $2,332 | $878 |
| 65+ | $1,950 | $708 |
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Cost to insure your car in Illinois with a poor driving record
Providers also will consider your previous driving record when determining your premiums. If you’ve been in an accident, gotten a speeding ticket, or had a DUI or other major driving offense, you can expect to pay more for your Illinois car insurance rates.
With a previous offense on your record, you will be considered a high-risk driver, and insurance companies will raise your rates.
That said, Jerry can help drivers with previous infractions find the most affordable rates for the coverage they need.
Here are the best rates drivers with past infractions have received after shopping with Jerry:
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,258 | $692 |
| Speeding over 15 | $3,145 | $1,096 |
| Careless Driving | $2,736 | $1,087 |
| DUI | $2,379 | $1,036 |
| Illegal Turn | $2,604 | $959 |
| Defective Equipment | $3,043 | $935 |
| Eluding Police | $3,056 | $881 |
| Speeding under 15 | $2,507 | $834 |
| Seat Belt | $2,527 | $765 |
| Driving on Sus. License | $2,479 | $732 |
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Cost to insure your car in Illinois based on where you live
Illinois’s average car insurance rates are lower than the national average, but your individual rates will depend on your zip code.
For example, residents of Chicago will see higher car insurance premiums because of the city’s busy roads, higher accident rates, and higher car theft rates.
Regardless of where you live, you can find cheap insurance rates in Illinois by shopping with Jerry:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Aurora | $2,290 | $873 |
| Belleville | $2,325 | $707 |
| Champaign | $2,161 | $923 |
| Chicago | $2,360 | $782 |
| Elgin | $2,146 | $749 |
| Naperville | $2,322 | $807 |
| Peoria | $2,384 | $1,034 |
| Rockford | $2,304 | $783 |
| Schaumburg | $2,244 | $603 |
| Springfield | $2,459 | $1,036 |
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Cost to insure your car in Illinois based on the type of car you drive
The type of car you drive can make a major impact on your car insurance premiums. As a general rule, the more expensive the car, the higher the car insurance premium.
For example, Illinois drivers who opt for a car like the Honda Accord will pay less for car insurance because the Accord has an affordable base price. Additionally, Honda’s high reliability and safety ratings mean that Accords will need fewer repairs than some other models.
Conversely, some Illinois residents have a taste for luxury, and the McLaren GT is an increasingly popular car in the state. Owners of a McLaren GT will pay more for car insurance because of the car’s expensive price tag and the higher cost of repairs and replacement parts.
Here are typical insurance quotes for some of the most common cars in Illinois with and without Jerry:
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Ford Fusion SE | $2,265 | $1,530 |
| Nissan Rogue S | $2,119 | $1,337 |
| Chevrolet Cruze LT | $2,077 | $1,224 |
| Toyota Camry LE | $1,761 | $1,122 |
| Hyundai Sonata SE | $2,068 | $994 |
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How to save money on car insurance in Illinois
Illinois has relatively affordable car insurance rates, but there are still ways to make your quotes even lower.
Shop around for quotes
The easiest way to save money on car insurance is to compare quotes from several companies.
However, this isn’t always the quickest way to save money—especially if you have to make phone calls to a variety of insurance agents and fill out mountains of paperwork. Fortunately, Jerry can do this all in under a minute!
Jerry is the super app that helps you save time and money on your car expenses, including insurance. After a quick sign-up, Jerry will source quotes from over 50 top insurance providers. Once you choose your policy, Jerry will help with all of the hard parts—including paperwork. The best part? Jerry users save $879 on car insurance on average.
When your policy is up for renewal, Jerry will send you new quotes—so you always know you’re getting the best rates.
Look for discounts
Another easy way to save money on insurance is by applying for discounts. Most providers offer discounts, but they may not be readily advertised.
Here are some popular discounts in Illinois:
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Illinois providers may also give discounts for homeownership, marriage, or military affiliation.
Increase your deductible
Raising your deductible—the amount you’d pay out of pocket if you need to make a claim—will save you money on your monthly premiums.
However, while you would pay less each month, you may have to pay a lot at once if you do need to make a claim. Therefore, you need to make sure you can pay your full deductible each time you would have to make a claim.
Registering your car in Illinois
If you want to register a car in Illinois, you need to have the following paperwork:
- A driver’s license or ID card
- A car title or signed lease agreement
- Completed application for vehicle transaction
- Proof of Illinois residency
- Description of the vehicle
- Odometer Disclosure Statement
- Proof of insurance
- Payment and fees
It’s recommended that you make an appointment with the DMV to avoid long wait times. You’ll have to fill out more paperwork including personal and vehicle information upon registration.
Drivers in Illinois are required to renew their vehicle registration every year.
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