Average car insurance cost in Illinois (2026)
Drivers in Illinois pay an average of $163 a month for full coverage and $84 a month for liability only.
Full coverage / month
$163
Liability only / month
$84
Full coverage / year
$1,956
Liability only / year
$1,008
Cost rank
#24 of 51
1 = most expensive. Tied with Arizona. Liability-only rank: #28.
Averages are a starting point. Estimate your cost in Illinois
How Illinois compares
The full-coverage average of $163 is 6% below the average across states ($174), and the liability-only average of $84 is 14% below the average across states ($98). Illinois is mid-table: 23 of the 51 places in our table have a higher full-coverage average. That is $138 a month below Maryland, the highest, and $78 above New Hampshire, the lowest.
Full coverage vs liability only in Illinois
Full coverage costs $79 more per month than liability only in Illinois, or $948 more per year. That gap is wider than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Illinois by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Arizona | $163 | $91 | $0 |
| Pennsylvania | $161 | $90 | -$2 |
| Oklahoma | $169 | $84 | +$6 |
| West Virginia | $157 | $83 | -$6 |
| Kansas | $157 | $79 | -$6 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Illinois averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $163 | $84 |
| Same driver, age 20-24 | $236 | $122 |
| Same driver, one ticket | $199 | $102 |
| Same driver, one at-fault accident | $231 | $119 |
| Same driver, sports car | $212 | $109 |
Frequently asked questions
How much does car insurance cost in Illinois?
The average in Illinois is $163 a month ($1,956 a year) for full coverage and $84 a month ($1,008 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in Illinois expensive compared with other states?
Illinois ranks 24th highest of the 50 states and D.C. for full coverage (tied with Arizona). Its full-coverage average is 6% below the average across states of $174 a month.
How much more does full coverage cost than liability only in Illinois?
On average, full coverage costs $79 more per month in Illinois, or $948 more per year. That is 94% more than the liability-only average.
How much could an at-fault accident change an estimate in Illinois?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Illinois rises from $163 to about $231 a month, or about $68 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.