Illinois auto insurance averages - $1,153.05 per year in 2023, ranked #24 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Illinois's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,153.05 ▲16.0% | $598 |
| 2022 | $993.88 ▲8.2% | $525 |
| 2021 | $918.74 ▲0.4% | $495 |
| 2020 | $915.53 ▼2.7% | $502 |
| 2019 | $940.92 | $522 |
Evidence lead: Year-by-year shape
Illinois's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Year-by-year shape
Illinois's only decline is a shallow -2.7% in 2020 — small enough that the five-year climb barely registers it. The largest annual movement is instead the 2023 reading at +16.0%, and the latest step is +16.0%. This is a rising series with one flat spot, not a genuine reversal.
Five-year movement
The 2019-to-2023 comparison for Illinois is +22.5%, the #15 change among 51 jurisdictions. The state therefore moved faster than most of the table, although the endpoint comparison can conceal pauses or reversals between those years. The year-by-year shape below provides that missing context.
Coverage-component signature
Illinois's most distinctive 2023 component is comprehensive: $218.74, or 12.2% below the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
2023 cost position
Illinois's $1,153.05 average expenditure places it #24 of 51, in the broad middle of the reported jurisdictions. A middle rank does not mean every coverage component is typical: liability, collision, and comprehensive averages can occupy different positions even when the blended expenditure lands near the center.
Substantial registry context
Illinois's separate complaint layer covers 56 companies with 8,478 recorded complaints. That is #13 for company breadth and #12 for record count across 51 jurisdictions—an upper-middle registry footprint. The totals are coverage denominators, not quality grades, and they are deliberately excluded from the state's expenditure calculation.
Nearest expenditure peers. By average expenditure, Illinois's closest peers in this dataset are Washington ($1,152.50) and Pennsylvania ($1,154.63), both within a few dollars of Illinois's own $1,153.05.
Note on state comparisons: These averages reflect the mix of coverages purchased in Illinois, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
