With billions of dollars spent on car insurance advertisements each year, it is interesting to see where the average cost of auto insurance in Illinois ranks compared to other states. The amount of money insurance companies charge is, or at least should be, tied to the costs they experience in each state. Based on that, one might expect to find a clear pattern, for example states with harsh winters or disproportionately large urban populations with higher rates; but no such pattern is revealed. That leaves one searching for other factors, such as each state’s laws, average jury settlements and competition.
Illinois is a state where a very large number of companies compete fiercely for Auto Insurance customers, this helps reduce the rates to among the lower quarter in the nation putting Illinois insurance rates at less than half of what they are in Louisiana. At Urban Insurance, our average cost of a policy is $788 per year, or 41% less that the average cost of a car insurance policy in Illinois.
Average Car Insurance Rates for 2013Below is a list of car insurance rates | ||
| Rank | State | Avg. annual premium* |
| 1 | Louisiana | $ 2,699 |
| 2 | Michigan | $ 2,520 |
| 3 | Georgia | $ 2,155 |
| 4 | Oklahoma | $ 2,074 |
| 5 | Washington, D.C. | $ 2,006 |
| 6 | Montana | $ 1,914 |
| 7 | California | $ 1,819 |
| 8 | West Virginia | $ 1,816 |
| 9 | Rhode Island | $ 1,735 |
| 10 | Kentucky | $ 1,725 |
| 11 | Connecticut | $ 1,723 |
| 12 | New Jersey | $ 1,697 |
| 13 | Alabama | $ 1,667 |
| 14 | Missouri | $ 1,638 |
| 15 | Massachusetts | $ 1,625 |
| 16 | Pennsylvania | $ 1,604 |
| 17 | Delaware | $ 1,586 |
| 18 | Hawaii | $ 1,583 |
| 19 | Texas | $ 1,545 |
| 20 | Arkansas | $ 1,545 |
| 21 | Maryland | $ 1,528 |
| National average | $ 1,510 | |
| 22 | North Dakota | $ 1,501 |
| 23 | Wyoming | $ 1,496 |
| 24 | Alaska | $ 1,455 |
| 25 | Utah | $ 1,438 |
| 26 | Kansas | $ 1,435 |
| 27 | Minnesota | $ 1,432 |
| 28 | New Mexico | $ 1,431 |
| 29 | Tennessee | $ 1,408 |
| 30 | South Dakota | $ 1,397 |
| 31 | Oregon | $ 1,387 |
| 32 | Nebraska | $ 1,384 |
| 33 | New York | $ 1,369 |
| 34 | Florida | $ 1,364 |
| 35 | Mississippi | $ 1,345 |
| 36 | Nevada | $ 1,341 |
| 37 | Virginia | $ 1,322 |
| 38 | Illinois | $ 1,322 |
| 39 | South Carolina | $ 1,288 |
| 40 | Colorado | $ 1,271 |
| 41 | Wisconsin | $ 1,228 |
| 42 | Arizona | $ 1,227 |
| 43 | Washington | $ 1,226 |
| 44 | Indiana | $ 1,183 |
| 45 | Vermont | $ 1,176 |
| 46 | Idaho | $ 1,133 |
| 47 | New Hampshire | $ 1,112 |
| 48 | Ohio | $ 1,106 |
| 49 | North Carolina | $ 1,085 |
| 50 | Iowa | $ 1,028 |
| 51 | Maine | $ 934 |
| Source: Insure.com.* Costs shown are an average of insurance rates for more than 750 vehicles in the 2013 model year. |
We offer the lowest car insurance quotes in Chicago on SR-22 filings, SR22 car insurance, non-owners, liability insurance and we can provide you with a “Same-Day electronic filing.” to the State of Illinois.
Your car is one of your largest single purchases; so it is critical that your car insurance is with a company you can trust. Urban Insurance has an A+ rating with the BBB (Better Business Bureau), and has 50 years experience writing auto insurance in Illinois.When searching for car insurance, it’s great to be able to get an insurance quote online; however sometimes you want to be able to talk to directly to an insurance agent and get clear answers over the phone, or in person; With Urban Insurance, we are here to answer your questions. Urban Auto Insurance was one of the first local Insurance Agencies in Chicago to bring car insurance online. Urban Insurance has been an innovator in “Online auto insurance” for more than a decade, as a part of our 50-year history.
We at Urban, understand how hard you work for your money; that is why we search more than 15 different companies in order to find you the lowest Auto Insurance rates. Our rates can save you hundreds of dollars per year on your car insurance.
Call 312-664-8088
or click here to get your free auto insurance quote.
Urban Insurance Agency
800 N. Wells Street
Chicago, IL 60610
312-664-8088
