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Original data from an Illinois insurance agency
Updated August 29, 2026 | Real Illinois car insurance policies and Chicago sample quotes reviewed by Al Sneineh and the licensed agents at Insured ASAP
How Much Is Car Insurance Per Month in Illinois?
In Insured ASAP’s review of more than 3,600 recently sold Illinois personal auto policies, the middle monthly price was $75 for liability-only coverage and $193 for full coverage.
$75 per month
Half of the prices fell between $62 and $101 per month.
$193 per month
Half of the prices fell between $150 and $254 per month.
The “middle price” is the median: half of the prices were lower and half were higher. These figures are estimates, not advertised starting rates or guaranteed quotes. Your price may be higher or lower.
Get your actual Illinois auto insurance price or call (800) 641-7488.
What Insured ASAP Customers Paid for Car Insurance in Illinois
Insured ASAP analyzed more than 3,600 recently sold Illinois personal auto policies, including substantial samples of liability-only and full coverage. The review covered policies sold from January through August 2026.
| Coverage | Middle monthly price | Half of prices fell between |
|---|---|---|
| Liability only | $75 | $62–$101 per month |
| Full coverage | $193 | $150–$254 per month |
We use the middle price because a few unusually high or low prices can make a simple average misleading. Liability-only and full-coverage policies can have different limits, deductibles and optional coverage, so these results are general price references rather than prices for one identical policy.
Why This Illinois Car Insurance Study Is Different
Many national cost studies use an imaginary driver or a database of online quotes. This study uses prices from policies handled by a working independent Illinois insurance agency. It answers a practical question: What prices appeared in a recent review of Illinois policies sold through Insured ASAP?
The results provide a real-world reference, but they do not promise what every Illinois driver will pay. A current personalized quote is still required to determine an individual price.
Average Car Insurance Cost in Chicago Per Month by Age
The average car insurance cost in Chicago per month depends on the driver and coverage. For this analysis, Insured ASAP reviewed 5,200 Chicago quote examples produced from January through August 2026. Across the 36 age, gender and marital-status prices displayed below, the simple average was $101.75 per month, which rounds to $102 per month.
This $102 figure is the simple average of the displayed Chicago examples—not a citywide average or a guaranteed price for every Chicago driver.
Coverage: Illinois minimum liability limits of $25,000/$50,000 for bodily injury, $20,000 for property damage and required uninsured-motorist bodily injury coverage
Vehicle: 2021 Chevrolet Equinox
Driver profile: Clean driving record, no accident history and continuous prior insurance
Study period: January through August 2026
Chicago Car Insurance Rates by Age, Gender and Marital Status
| Age range | Married male per month |
Single male per month |
Married female per month |
Single female per month |
|---|---|---|---|---|
| 16–18 | $157 | $169 | $122 | $158 |
| 19–21 | $112 | $120 | $97 | $116 |
| 22–25 | $90 | $97 | $89 | $98 |
| 26–29 | $90 | $97 | $89 | $97 |
| 30–39 | $85 | $90 | $89 | $92 |
| 40–49 | $88 | $90 | $91 | $92 |
| 50–59 | $87 | $90 | $90 | $93 |
| 65 | $95 | $97 | $91 | $98 |
| 75 | $102 | $102 | $101 | $102 |
These Chicago figures are sample estimates based on the profile shown above. They are not guaranteed prices. A personalized quote may be higher or lower.
What the Chicago Age Chart Shows
- The 16–18 age group had the highest group average at $151.50 per month.
- The 19–21 age group averaged $111.25 per month.
- The displayed prices for drivers ages 30–59 ranged from $85 to $93 per month.
- The lowest displayed price was $85 per month, and the highest was $169 per month.
Why Can Car Insurance Cost More in Chicago?
Car insurance may cost more in Chicago than in less populated areas because insurers use past claims and other approved rating information for the location where a vehicle is kept. The Illinois Department of Insurance explains that heavily populated areas typically have more traffic, theft and vandalism, which can result in higher prices for city drivers. If an insurer’s data shows that claims in a Chicago ZIP code happen more frequently or cost more to resolve, drivers in that area may be priced as a higher risk. Location is only one factor; age, driving history, vehicle, coverage choices and other information can also change the final price.
How to Find the Cheapest Car Insurance in Chicago
The cheapest car insurance in Chicago will not be the same for every driver. Compare quotes using the same drivers, vehicle, address, limits and deductibles so the prices measure the same protection. Choosing less coverage solely to lower the monthly price can leave important risks unprotected. Insured ASAP can compare available Chicago auto insurance options using your actual information.
What Does Full-Coverage Car Insurance Mean in Illinois?
“Full coverage” is an informal term. It generally means a policy that combines liability insurance with collision and comprehensive coverage for the insured vehicle.
- Liability coverage can pay for bodily injury or property damage you cause to someone else, subject to the policy’s terms and limits.
- Collision coverage can pay for covered damage to your vehicle from a collision, less your deductible.
- Comprehensive coverage can pay for covered non-collision losses such as theft, fire, hail or vandalism, less your deductible.
Illinois does not require collision or comprehensive coverage by law. A lender or leasing company may require both while you finance or lease a vehicle. Higher limits, lower deductibles and optional coverage can increase the price.
Illinois Minimum Car Insurance Requirements
Illinois drivers generally must carry at least:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
- $25,000/$50,000 uninsured motorist bodily injury coverage
When you buy higher uninsured-motorist limits, Illinois also requires underinsured-motorist coverage. State minimum limits are the legal starting point, but they may not cover the full cost of a serious accident.
Source: Illinois Department of Insurance Auto Insurance Shopping Guide.
What Affects the Cost of Car Insurance in Illinois?
No single number can predict what every Illinois or Chicago driver will pay. Insurance prices may be affected by:
- driving history, including tickets and accidents;
- age and driving experience;
- the ZIP code where the vehicle is kept;
- the vehicle’s value, repair cost and theft risk;
- coverage limits and deductibles;
- prior insurance and household drivers; and
- available discounts.
How Insured ASAP Calculated the Illinois Prices
The statewide study compared prices from more than 3,600 recently sold Illinois personal auto policies. Customer names and identifying information are not published.
To compare policies with different lengths, each policy price was converted to a monthly amount:
For example, a $600 price for a six-month policy becomes $100 per month.
The study reports the middle price, meaning half of the prices were lower and half were higher. This prevents a small number of unusually expensive policies from making the typical price appear higher than it was.
Illinois study period: January through August 2026
Illinois study size: More than 3,600 recently sold personal auto policies
Results shown: Middle monthly price and the range containing the middle half of prices
These figures describe the policies in this study. They are estimates for comparison—not statewide averages, quotes or guarantees. Only a current personalized quote can determine what a particular driver may pay.
How to Compare Illinois Car Insurance Quotes
For a useful comparison, ask each agency to quote the same:
- drivers and household information;
- vehicles and the address where each vehicle is usually kept;
- liability limits;
- comprehensive and collision deductibles;
- optional coverages; and
- policy length.
As an independent Illinois insurance agency, Insured ASAP can compare available options using the information that actually determines your rate.
Helpful Illinois Driver Guides
Get Your Actual Illinois Car Insurance Price
An online average cannot see your record, vehicle, ZIP code, coverage needs or discounts. A personal quote can.
Illinois and Chicago Car Insurance Cost FAQ
How much is car insurance per month in Illinois?
In Insured ASAP’s 2026 study, the middle monthly price was $75 for liability-only coverage and $193 for full coverage. These figures describe the Illinois policies in the study, not every Illinois driver.
What is the average car insurance cost in Chicago per month?
The simple average of the 36 Chicago sample prices displayed in this study was $101.75 per month, rounded to $102. This is not a citywide average or a guaranteed quote.
Why can car insurance cost more in Chicago?
A heavily populated location may have more traffic, accidents, theft or vandalism. Insurers may use past claim patterns for the area where a vehicle is kept when calculating the price.
How can I find the cheapest car insurance in Chicago?
Compare multiple quotes using the same drivers, vehicle, Chicago address, limits and deductibles. The lowest-priced option varies because each insurer evaluates the driver and vehicle differently.
Why do younger Chicago drivers often pay more?
Insurance pricing may reflect claim and accident patterns for drivers with similar characteristics. In the displayed Chicago examples, drivers ages 16–18 had the highest group average.
Does $75 mean Illinois state-minimum insurance always costs $75?
No. The $75 figure represents the middle price among liability-only policies in the statewide study. It is not a guaranteed state-minimum price.
What is included in full-coverage car insurance?
Full coverage generally refers to liability plus comprehensive and collision coverage. Limits, deductibles and optional coverages vary.
Are the Illinois and Chicago prices guaranteed?
No. The figures are estimates calculated from the policies and sample examples described in the study. A current personalized quote determines an individual price.
About the Author
Al Sneineh is President of Pro Risk Solutions, Inc. d/b/a Insured ASAP. A Chicago native with more than 20 years of insurance experience, Al reviewed the study data, calculations and final findings.
