Answer a few questions and see how much you could save. No email required.
Licensed Illinois agents
About 60 seconds
Free, no obligation
$/year
An estimate is fine if you don't know the exact number.
Your current policy
You & your vehicle
Enter your premium above to see your estimated savings
Savings ranges based on data from the Insurance Information Institute, NAIC, and published carrier discount programs.
A licensed Illinois agent compares your options. Free, no obligation, no spam.
How Illinois drivers save on auto costs
Illinois drivers pay an average of $1,600 to $2,200 per year for full auto protection, which is above the national average. In the Chicago suburbs, costs range from $1,400 to $2,800 depending on your driving record, vehicle, and plan level.
The biggest savings opportunities for Illinois drivers are bundling auto and home plans (15-25% savings), raising your out-of-pocket from $500 to $1,000 (15-20% savings), and shopping your clean driving record (10-20% savings). Multi-vehicle households can save an additional 8-15% by covering all vehicles on one plan.
Two drivers in the same zip code with similar vehicles and records can pay $600 or more apart depending on their provider. Auto providers use different rating models, which means the cheapest option varies from person to person. Comparing costs every 2-3 years is the single most effective way to make sure you are not overpaying.
Common questions
How much can I save on auto protection in Illinois?
Illinois drivers who compare options and optimize their plan typically save $300 to $700 per year. Common savings come from bundling auto and home (15-25% off), raising your out-of-pocket (15-30% off), and leveraging a clean driving record (10-20% off).
How does the RateShield auto savings calculator work?
You answer a few questions about your vehicle, driving history, and current plan. The calculator identifies savings opportunities based on industry-standard discount ranges. For your exact savings, a local expert compares options from multiple providers.
Is this calculator accurate?
The savings ranges are based on published industry data and are representative of what most Illinois drivers can expect. Actual savings vary by provider, plan level, driving history, and vehicle type. The calculator shows where you have opportunities, and a local expert provides your exact numbers.
Do I have to commit after using the calculator?
No. The calculator is completely free with no obligation. You can see your estimated savings and stop there. If you want your exact savings, you can continue to request a free review from a local expert.
Savings estimates are based on published industry data and provider discount programs. All figures represent typical ranges and are not guaranteed. Your actual savings depend on your specific provider, plan, driving history, vehicle, and other individual factors. RateShield is a free service that connects Illinois drivers with local experts. We are not a provider.