Polestar 2 Insurance Cost in Illinois

Insuring a Polestar 2 in Illinois costs about $1,270 a year ($106/month) for full coverage by our estimate — −12% versus the same car nationally — the 23rd cheapest of 51 states for this model.

Polestar 2 (photo from Wikimedia Commons) — Photo: M 93, CC BY-SA 3.0 de

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Polestar 2 insurance in Illinois at a glance

Full coverage

$1,270

$1,040–$1,495

25/50/20 minimum

$400

$33/mo

Same car nationally

$1,445

full coverage

Avg. car in IL

$1,380

−8% for the 2

The Polestar 2 is 8% cheaper than the average vehicle to insure in Illinois, reflecting HLDI collision losses of 119 and comprehensive losses of 90 (100 = average). Illinois's own base rates are 10% lower than the national average, which carries through to every model.

Illinois factors that affect 2 premiums

Uninsured drivers: 15.2% of Illinois drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your 2.
Theft: 238 vehicle thefts per 100,000 residents (U.S. 197).
Weather: FEMA rates Illinois's expected annual losses as relatively moderate for hail, relatively high for tornado, very low for hurricane, relatively high for inland (river) flooding, very high for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 1.13 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: At-fault (tort).

Car insurance rules and costs in Illinois →

Polestar 2 insurance cost in Illinois cities

City	Full coverage	Minimum	vs. state
Chicago	$1,480	$465	+17%
Aurora	$1,320	$415	+4%
Naperville	$1,360	$430	+7%
Joliet	$1,295	$410	+2%
Rockford	$1,220	$385	−4%
Elgin	$1,310	$415	+3%
Springfield	$1,155	$365	−9%
Peoria	$1,175	$370	−7%
Champaign	$1,175	$370	−7%
Waukegan	$1,300	$410	+2%
Decatur	$1,145	$360	−10%
Quincy	$1,120	$355	−12%

Polestar 2 insurance in Illinois by driver

Estimated annual Polestar 2 premium in Illinois
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,095	$1,590	$3,490	$291
Young adult (22)	$640	$925	$2,030	$169
Adult in their 30s	$400	$580	$1,270	$106
Adult in their 50s	$365	$530	$1,165	$97
Senior (72)	$445	$645	$1,420	$118
30s, one at-fault accident	$580	$840	$1,840	$153
30s, DUI on record	$740	$1,070	$2,345	$195

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$400	$33	$325–$470
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$580	$48	$475–$680
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,270	$106	$1,040–$1,495

Illinois minimum: 25/50/20 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Illinois

Model	Full coverage in IL	vs. 2
Audi A4	$1,445	+14%
Lexus ES	$1,430	+13%
Audi S3	$1,340	+6%
Lexus IS	$1,665	+31%

Estimate your 2 premium by ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Polestar 2 insurance cost in every state · All Polestar models

Frequently asked questions

How much is Polestar 2 insurance in Illinois?

About $1,270 a year ($106 a month) for full coverage and $400 for Illinois's minimum liability, for a driver in their 30s with a clean record. That is 12% less than the national estimate for the same car.

Is the Polestar 2 cheaper to insure than the average car in Illinois?

The average vehicle in Illinois is about $1,380 a year for full coverage in our model, so the Polestar 2 is 8% cheaper than average.

Where in Illinois is Polestar 2 insurance cheapest?

Among the largest Illinois cities, Quincy has the lowest estimate (about $1,120) and Chicago the highest (about $1,480).

What insurance do I need for a Polestar 2 in Illinois?

Illinois requires at least 25/50/20 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page