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Car insurance rates in Illinois August 2025
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
– Mercury provides the cheapest liability coverage at $25 per month in Illinois.
– Mercury offers the cheapest rates for full coverage insurance in Illinois at $75 per month.
– At $131 per month, Springfield is the cheapest city for car insurance in Illinois.
Read on to learn more about car insurance price trends in Illinois. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Illinois
For drivers looking to meet Illinois minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liability insurance in Illinois
#1. Mercury: $25
#2. Westfield: $27
#3. Hanover: $30
#4. Auto-Owners Insurance Co: $32
#5. First Chicago: $33
Cheap full coverage in Illinois
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Illinois
#1. Auto-Owners Insurance Co: $75
#2. Westfield: $85
#3. Country Financial: $89
#3. Mercury: $89
#5. Travelers: $98
Impact of traffic violations on Illinois auto insurance rates
In Illinois, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer’s policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Illinois may differ from the national average due to regional risks and rules.
Here’s a breakdown of average auto insurance rates in Illinois after common driving violations.
– No violation: $165
– Not-at-fault accident: $175
– Failure to wear a seat belt: $192
– Speeding 6 – 10 MPH over limit: $202
– Speeding 21 – 25 MPH over limit: $221
– DUI: $303
– Reckless driving: $291
– Driving with a suspended license: $300
– Leaving scene of an accident/hit and run: $306
Car insurance rates across Illinois’s top cities
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
Cities with the cheapest average monthly premium in Illinois
#1. Springfield: $131
#2. Peoria: $132
#3. Elgin: $137
#4. Naperville: $138
#5. Aurora: $141
Cities with the most expensive average monthly premium in Illinois
#1. Dolton: $277
#2. Phoenix: $276
#3. Harvey: $274
#4. Markham: $271
#5. Calumet City: $269
This story was
produced by
Way and reviewed and
distributed by Stacker.
