Auto insurance rates in Illinois are determined by several factors including:



• Credit. People with excellent credit pay less because they get additional discounts.
• ZIP Code: Based on the experience of insurers, certain ZIP codes make more claims than others, and for that reason people who live in ZIP codes that make less claims pay less for auto insurance.
• Age: Drivers between age 25 to 70 pay less than other drivers at different age groups.
• Marital Status: Generally married drivers pay less than singles.
• Gender: Males pay more than females particularly males under 25.
• Driving records: Drivers with driving record issues like tickets, accidents, and other claims may have to pay more.



Insurers also offer discounts. Discounts include multi car discount, multi account discount, prior insurance discount, loss free discounts, good student discounts and more.