Scion iQ Insurance Cost in Illinois

Insuring a Scion iQ in Illinois costs about $1,030 a year ($86/month) for full coverage by our estimate — −16% versus the same car nationally — the 23rd cheapest of 51 states for this model.

Scion iQ (photo from Wikimedia Commons) — Photo: Vauxford, CC BY-SA 4.0

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

Scion iQ insurance in Illinois at a glance

Full coverage

$1,030

$845–$1,215

25/50/20 minimum

$510

$42/mo

Same car nationally

$1,220

full coverage

Avg. car in IL

$1,380

−25% for the iQ

The Scion iQ is 25% cheaper than the average vehicle to insure in Illinois. Illinois's own base rates are 10% lower than the national average, which carries through to every model.

Illinois factors that affect iQ premiums

Uninsured drivers: 15.2% of Illinois drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your iQ.
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 →

Scion iQ insurance cost in Illinois cities

City	Full coverage	Minimum	vs. state
Chicago	$1,200	$595	+17%
Aurora	$1,070	$530	+4%
Naperville	$1,100	$545	+7%
Joliet	$1,050	$520	+2%
Rockford	$990	$490	−4%
Elgin	$1,065	$525	+3%
Springfield	$935	$465	−9%
Peoria	$955	$470	−7%
Champaign	$955	$470	−7%
Waukegan	$1,055	$520	+2%
Decatur	$930	$460	−10%
Quincy	$910	$450	−12%

Scion iQ insurance in Illinois by driver

Estimated annual Scion iQ premium in Illinois
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,400	$2,025	$2,825	$235
Young adult (22)	$815	$1,180	$1,645	$137
Adult in their 30s	$510	$735	$1,030	$86
Adult in their 50s	$470	$680	$945	$79
Senior (72)	$570	$825	$1,150	$96
30s, one at-fault accident	$735	$1,070	$1,490	$124
30s, DUI on record	$940	$1,365	$1,900	$158

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.	$510	$42	$415–$600
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$735	$61	$605–$870
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,030	$86	$845–$1,215

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. iQ
Volkswagen Beetle	$1,295	+26%
Honda Fit	$1,295	+26%
Smart fortwo	$1,320	+28%
MINI Cooper	$1,045	+1%

Estimate your iQ 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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Scion iQ insurance cost in every state · All Scion models

Frequently asked questions

How much is Scion iQ insurance in Illinois?

About $1,030 a year ($86 a month) for full coverage and $510 for Illinois's minimum liability, for a driver in their 30s with a clean record. That is 16% less than the national estimate for the same car.

Is the Scion iQ 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 Scion iQ is 25% cheaper than average.

Where in Illinois is Scion iQ insurance cheapest?

Among the largest Illinois cities, Quincy has the lowest estimate (about $910) and Chicago the highest (about $1,200).

What insurance do I need for a Scion iQ 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