Ford F-250 Insurance in Illinois
Rates from $45 – $74/mo minimum coverage, $193 – $321/mo full coverage. Compare top IL carriers below.
- Free quote
- 60-sec connect
- 120+ carriers
Updated June 2026 · Source: Illinois DOI + IQ rate model
Average monthly premium — 2024 Ford F-250, Illinois
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Ford F-250 drivers in Illinois
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Ford F-250 insurance costs what it does in Illinois
Keeps liability premiums near the baseline for this class.
No theft-rank surcharge on comprehensive premium.
High parts and labor costs raise collision premiums materially.
Illinois requires 25/50/20 liability + 25/50 UM minimums. The split between Chicago-metro (high premiums) and Downstate (much lower) is wider than almost any other state — your ZIP code matters more here than in most states. Credit scoring is allowed.
Frequently asked questions
01How much is Ford F-250 insurance in Illinois?
Illinois drivers of a 2024 Ford F-250 pay about $193 – $321 per month for full coverage, or roughly $45 – $74 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed F-250?
Yes. If your F-250 has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Illinois law itself only requires the state liability minimums (25/50/20 plus 25/50 UM), but the lender's contract overrides that.
03What's the cheapest carrier for a F-250 in Illinois?
Cheapest varies by driver profile, but in Illinois the major carriers most often quoting the lowest premiums for a F-250 are GEICO, Progressive, and State Farm. Regional carriers (Country Financial and American Family) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Is insurance more expensive for a truck like the F-250 in Illinois?
Slightly. Trucks like the F-250 typically carry 8-15% higher full-coverage premiums than mainstream sedans because of higher repair costs and higher claim severity in collisions. Illinois's base rates apply the same way, but the vehicle-side modifier pushes the final premium up.
05Does Illinois require SR-22 after a DUI for a F-250?
After a DUI, Illinois requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a F-250 typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.