Cost of Owning a Car in Illinois
How Illinois’s gas prices, electricity rates, sales tax and insurance costs affect what you’ll typically pay to own a vehicle.
Illinois at a glance
Gas price
$3.90per gallon, illustrative averageElectricity
$0.15per kWh, illustrative averageSales tax
6.25%plus ~$220 average registrationInsurance in Illinois runs close to the national average in this model, reflected as a 1.05× multiplier on our base class rates.
What drives the cost in Illinois
Costs are pushed up mainly by gas prices (about $880 more over 5 years) and sales tax (about $583 more over 5 years). (Figures are for a typical SUV compared with the average state.)
5-year cost by vehicle class in Illinois
Uses real market-average vehicle prices per class (from our 152-vehicle MarketCheck pull) combined with Illinois-specific tax, fee, fuel and insurance data.
Sedan
$35,3495-year estimate, $589/moSUV / crossover
$47,7855-year estimate, $796/moTruck
$50,2225-year estimate, $837/moElectric
$49,3875-year estimate, $823/moLuxury
$71,5755-year estimate, $1,193/moPopular vehicles: 5-year cost in Illinois
2026 Toyota RAV4
$36,8145-year cost in IllinoisFull breakdown →2026 Honda CR-V
$36,5285-year cost in IllinoisFull breakdown →2026 Toyota Camry
$32,2675-year cost in IllinoisFull breakdown →2026 Honda Civic
$28,3445-year cost in IllinoisFull breakdown →2026 Ford F-150
$62,5105-year cost in IllinoisFull breakdown →2026 Tesla Model Y
$39,4015-year cost in IllinoisFull breakdown →2026 Chevrolet Equinox
$41,7055-year cost in IllinoisFull breakdown →2026 Toyota Corolla
$28,2755-year cost in IllinoisFull breakdown →EV vs. gas in Illinois
At Illinois’s $0.15/kWh electricity and $3.90/gal gas, charging a typical EV at home costs about $594 a year, versus about $1,510 a year to fuel a typical gas sedan — a savings of $916 per year. Run your own numbers with the EV vs. gas calculator.