Car insurance rates by town in Illinois

Type your ZIP code and we take you to your town’s page, with the local numbers, what Illinois requires you to carry, and a free way to start your quote.

Cook County

The heart of the metro, Chicago and its close-in suburbs. Chicago full-coverage averages run about $233 a month, well above the national average.

Chicago Arlington Heights Berwyn Buffalo Grove Cicero Des Plaines Elk Grove Village Evanston Mount Prospect Niles Oak Lawn Oak Park Orland Park Palatine Park Ridge Schaumburg Skokie Tinley Park

The collar counties

DuPage, Kane, Lake, McHenry and Will, the suburbs ringing Chicago where commuters and family cars fill the roads.

Northern Illinois

Rockford and the river towns up by the Wisconsin line and out along the Mississippi.

DeKalb Dixon Freeport Galesburg Moline Rockford Sterling

Central Illinois

Springfield, Peoria and the farm-belt cities down the middle of the state.

Bloomington Champaign Danville Decatur Jacksonville Lincoln Normal Pekin Peoria Quincy Springfield Urbana

Southern Illinois

The Metro East across the river from Saint Louis and the smaller towns rolling down toward the Shawnee hills.

Alton Belleville Carbondale Centralia Collinsville Edwardsville Granite City Marion Mount Vernon O’Fallon

Read the statewide Illinois guide

City average is full-coverage cost averaged by CostPrism for Chicago drivers in 2026. Averages are not quotes. Your own rate depends on your driving record, your car and your ZIP code.