Illinois Auto Insurance Rates
Median premium: $747/6mo across 13 carriers and 1,575 ZIP codes.
Premiums range from $536 to $2,568 — a 4.8x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$747
per 6 months
ZIP Codes
1,575
with rate data
Carriers
13
rated in IL
Price Spread
4.8x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Progressive | $396 | 1,575 ZIPs | 100% | |
| 2 | USAA | $572 | 0 ZIPs | 0% | |
| 3 | Erie Insurance | $676 | 0 ZIPs | 0% | |
| 4 | Shelter Insurance | $700 | 0 ZIPs | 0% | |
| 5 | Auto-Owners | $716 | 0 ZIPs | 0% | |
| 6 | State Farm | $732 | 0 ZIPs | 0% | |
| 7 | GEICO | $747 | 0 ZIPs | 0% | |
| 8 | American Family | $755 | 0 ZIPs | 0% | |
| 9 | Farmers | $844 | 0 ZIPs | 0% | |
| 10 | Nationwide | $875 | 0 ZIPs | 0% | |
| 11 | Travelers | $891 | 0 ZIPs | 0% | |
| 12 | Liberty Mutual | $914 | 0 ZIPs | 0% | |
| 13 | Allstate | $1,034 | 0 ZIPs | 0% |
1
$396Progressive#1 in 1,575 ZIPs (100%)
2
$572USAA#1 in 0 ZIPs (0%)
3
$676Erie Insurance#1 in 0 ZIPs (0%)
4
$700Shelter Insurance#1 in 0 ZIPs (0%)
5
$716Auto-Owners#1 in 0 ZIPs (0%)
6
$732State Farm#1 in 0 ZIPs (0%)
7
$747GEICO#1 in 0 ZIPs (0%)
8
$755American Family#1 in 0 ZIPs (0%)
9
$844Farmers#1 in 0 ZIPs (0%)
10
$875Nationwide#1 in 0 ZIPs (0%)
11
$891Travelers#1 in 0 ZIPs (0%)
12
$914Liberty Mutual#1 in 0 ZIPs (0%)
13
$1,034Allstate#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Illinois
| City | Avg Median | ZIPs |
|---|---|---|
| Cherry | $536 | 1 |
| Ladd | $536 | 1 |
| Arlington | $541 | 1 |
| Dalzell | $541 | 1 |
| Prophetstown | $546 | 1 |
Most Expensive Cities in Illinois
| City | Avg Median | ZIPs |
|---|---|---|
| Riverdale | $1,732 | 1 |
| Hazel Crest | $1,560 | 1 |
| Harvey | $1,541 | 1 |
| Country Club Hills | $1,527 | 1 |
| Burbank | $1,522 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,855/6mo
60651 (Chicago)
Cheapest ZIP
$536/6mo
61317 (Cherry)
4.8x
Price Spread
The most expensive ZIP in Illinois costs 4.8x more than the cheapest. Your ZIP code matters more than you think.
Illinois Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Illinois
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Access ZIP-level rate data across all 13 carriers, 1,575 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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