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 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
How much does Nationwide auto insurance cost in Illinois?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Nationwide in Illinois runs about $1,525/year (~$127/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Nationwide cheaper than other carriers in Illinois?
Yes — Nationwide typically runs about 9% below the Illinois state average ($1,675/year for all carriers combined). The cheaper alternatives in Illinois are typically USAA, Erie, GEICO. Whether Nationwide is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Illinois minimum coverage requirements?
Illinois requires at least 25/50 thousand in bodily-injury liability per person/per accident and $20K in property-damage liability. Illinois is not a no-fault state, so PIP is optional but recommended for added medical coverage. Chicago metro pays nearly 2x rural Illinois — your ZIP code is the single biggest factor.
Does Nationwide offer discounts to Illinois drivers?
Nationwide offers 5+ discounts that Illinois drivers can stack: SmartRide (telematics), SmartMiles (per-mile), Multi-policy, Accident-free, Defensive driving. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
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).