Auto Insurance in Illinois — Average Cost 2026
Average auto insurance in Illinois: $1,865/year ($155/month). Illinois ranks #35 out of 51 states — above the national average.
Average annual
$1,865
Average monthly
$155
National rank
#35
of 51 states
vs national avg
+4.8%
Illinois vs national average
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Auto insurance in Illinois
Illinois sits 5% above the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Illinois tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Illinois drivers hundreds of dollars annually.