Nationwide Auto Insurance in Illinois
Nationwide is the 8th-largest U.S. auto carrier with a mid-sized footprint and SmartRide telematics. It's also a major Member-owned cooperative offering both direct and agent channels. Here's what Nationwide typically costs in Illinois for 2026 — plus the 3 cheaper alternatives most Illinois drivers overlook.
Estimated annual premium
$1,525
Estimated monthly
$127
Illinois state avg
$1,675
vs Illinois avg
-9%
Why drivers pick Nationwide
On Your Side Review program — a structured annual review with an agent to find unused discounts. SmartMiles pay-per-mile option for low-mileage drivers.
Where Nationwide falls short
Coverage gaps in some western states; SmartMiles is unavailable in several states (CA, NC, NY).
Illinois minimum coverage requirements
- Bodily Injury Liability: 25/50 thousand per person / per accident
- Property Damage Liability: $20K
Chicago metro pays nearly 2x rural Illinois — your ZIP code is the single biggest factor.
Cheaper alternatives to Nationwide in Illinois
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Nationwide for a comparable driver profile in Illinois. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Nationwide head-to-head guides
Side-by-side breakdowns of the Nationwide matchups visitors compare most — premium, claims, telematics, discount stack, and the driver profile each carrier fits best.
Nationwide discounts available to Illinois drivers
Nationwide Illinois rates by vehicle class
Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Nationwide Illinois estimate for each class:
Nationwide Illinois rates by driver profile
Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Nationwide Illinois estimate for each profile:
Frequently asked questions
Frequently asked questions
Methodology: Estimated annual premium is computed as Nationwide's national average ($1,640) multiplied by Illinois's state-vs-national premium index ($1,675 ÷ national average $1,789 ≈ 0.94x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Nationwide J.D. Power score: 815/1000. A.M. Best rating: A+ (2024).