How to Compare Car Insurance Quotes 2024
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Cheapest Car Insurance in Illinois (2024)

Updated on:
Content was accurate at the time of publication.

State Farm has the cheapest minimum-liability car insurance rate in Illinois, at $43 a month ($521 a year). However, Travelers is cheapest for full coverage, charging $110 a month.

Below are a list of companies offering the cheapest car insurance in Illinois to drivers with various needs and circumstances.

Find the Cheapest Car Insurance Quotes in Your Area

Travelers offers the cheapest full-coverage car insurance in Illinois. The companies’ quoted rates average $1,319 a year, or $110 a month, for a typical adult driver.

Full coverage includes collision and comprehensive insurance, which covers your car for damage and theft. Although neither is required by law, both typically are required for a car loan or lease.

CompanyAnnual rate
Travelers$1,319
State Farm$1,405
Country Financial$1,635
American Family$1,705
Progressive$2,246
Geico$2,255
Allstate$2,876
Farmers$3,428

Rates are for a 30-year-old male with a clean driving record and good credit. Your rates may vary.

The average cost of full-coverage car insurance in Illinois is $2,109 a year, or $176 a month.

However, the actual price you pay depends on a variety of factors, including:

  • Your driving record and credit history
  • Your age and ZIP code
  • The type of vehicle you drive
  • Any discounts you are eligible to receive

Since each auto insurance company weighs these factors differently, it’s important to compare quotes from multiple companies when you shop.

State Farm has Illinois’ cheapest rate for minimum-liability auto insurance. Its quoted rates average $521 a year, or just over $43 a month.

The next-best rates are available from Country Financial ($549 a year) and Travelers ($617 a year).

In Illinois, the average price for minimum-liability car insurance is $848 a year, or $71 a month.

CompanyAnnual rate
State Farm$521
Country Financial$549
Travelers$617
American Family$625
Progressive$765
Geico$973
Allstate$1,272
Farmers$1,461

Rates are for a 30-year-old male with a clean driving record and good credit. Your rates may vary.

Minimum-liability car insurance in Illinois includes uninsured motorist coverage. This pays to treat injuries you and your passengers suffer in an accident caused by a driver without insurance.

Country Financial has the cheapest car insurance for young drivers. It charges 18-year-olds $1,452 a year for minimum-liability car insurance or $3,691 a year for full coverage.

The average price of car insurance quoted for an 18-year-old is more than three times the rate which a typical 30-year-old pays.

However, young drivers are typically charged less when added to a parent’s car insurance rather than with their own standalone policies.

CompanyMinimum liability (annual)Full coverage (annual)
Country Financial$1,452$3,691
State Farm$1,729$4,154
Travelers$1,824$3,770
Geico$2,146$5,127
American Family$2,502$6,401
Progressive$2,569$8,231
Allstate$3,140$6,477
Farmers$7,446$13,422

Rates are for an 18-year-old male with a clean driving record. Your rates may vary.

State Farm has the cheapest car insurance rate for Illinois drivers with a speeding ticket on their record, at $1,491 a year for full coverage.

In Illinois, a speeding ticket increases the average cost of auto insurance by more than 30% to $2,759 a year, or $230 a month.

CompanyAnnual rate
State Farm$1,491
Travelers$1,677
American Family$2,030
Country Financial$2,161
Geico$2,622
Progressive$3,272
Allstate$3,821
Farmers$4,994

Rates are for a 30-year-old male with good credit and one prior speeding ticket. Your rates may vary.

Cheapest rates after an accident in Illinois: State Farm

State Farm also has the cheapest full-coverage auto insurance for Illinois drivers with a prior at-fault accident, with an average quote of $1,603 a year, or $134 a month.

The average price of car insurance for a driver with one prior at-fault accident is $3,302 a year, or $275 a month. This is almost 57% more than the rate you pay with a clean record.

CompanyAnnual rate
State Farm$1,603
Travelers$1,851
Country Financial$2,385
American Family$2,675
Geico$3,604
Progressive$3,883
Farmers$5,056
Allstate$5,357

Rates are for a 30-year-old male with good credit and one prior at-fault accident. Your rates may vary.

Travelers has the cheapest car insurance rate for Illinois motorists with a DUI (driving under the influence) conviction, at $1,954 a year, or $163 a month.

In Illinois, a DUI raised the average price of auto insurance by close to 60% to $3,364 a year, or $280 a month.

CompanyAnnual rate
Travelers$1,954
Country Financial$2,514
Progressive$2,756
American Family$3,086
State Farm$3,292
Geico$3,857
Allstate$4,634
Farmers$4,815

Rates are for a 30-year-old male with good credit and one prior DUI. Your rates may vary.

Best rates for Illinois drivers with bad credit: Travelers

Travelers has the cheapest car insurance rate for drivers with bad credit, $2,024 a year for full coverage.

Country Financial has the next-best rate, followed by American Family.

CompanyAnnual rate
Travelers$2,024
Country Financial$2,436
American Family$2,981
Progressive$3,529
Allstate$4,384
Geico$4,568
Farmers$5,481
State Farm$6,064

Rates are for a 30-year-old male with a clean driving record and poor credit. Your rates may vary.

Insurance companies believe that factors such as your payment history and credit usage show how likely you are to file a claim. These are different from the factors that lenders use to determine your loan qualifications.

The good news is that a credit check for an insurance quote does not affect your credit score.

Among Illinois cities, auto insurance rates range from $1,887 a year in Champaign to $2,862 a year in Cicero.

Chicago ranks second for car insurance prices in Illinois. Windy City motorists pay an average of $2,772 a year for auto coverage, which works out to $231 a month.

CityAnnual rate
Arlington Heights$2,177
Aurora$2,133
Berwyn$2,686
Bloomington$1,901
Bolingbrook$2,301
Champaign$1,887
Chicago$2,772
Cicero$2,862
Decatur$2,018
Des Plaines$2,473
Elgin$2,193
Evanston$2,408
Joliet$2,268
Mount Prospect$2,329
Naperville$2,118
Oak Lawn$2,531
Orland Park$2,273
Palatine$2,197
Peoria$2,089
Rockford$2,101
Schaumburg$2,265
Skokie$2,716
Springfield$2,063
Tinley Park$2,282
Waukegan$2,250

Rates are for a 30-year-old male with a clean driving record and good credit. Your rates may vary.

Illinois requires auto insurance to register your vehicle and drive it on public roads. You must show proof of insurance at traffic stops or after an accident, and the state will also check your insurance status electronically.

Penalties for driving without insurance include a fine and suspension of your vehicle’s registration. You usually also have to pay a reinstatement fee and file an SR-22 insurance certificate to reactivate your registration.

Illinois’ minimum car insurance requirements

The minimum amounts of car insurance needed to drive legally in Illinois include:

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $20,000
  • Uninsured motorist bodily injury: $25,000 per person/$50,000 per accident

If you cause a car accident, you can be held personally responsible for the portions of a victim’s medical and/or car repair bills that exceed your policy’s liability limits. This can put your savings or future earnings at risk, so consider liability limits that match your net worth.

Most insurance companies in Illinois offer these optional car insurance coverages for more protection:

  • Collision: Pays to repair damage your car sustains in a collision with a vehicle or object, or if it overturns.
  • Comprehensive: Covers your car for theft or damage from non-collision causes such as fire, flood, falling objects and vandalism.
  • Medical payments (MedPay): Covers injuries you and your passengers suffer in a car accident, regardless of fault.
  • Uninsured motorist property damage: Pays to repair damage your vehicle sustains in an accident caused by a driver with no insurance.

SR-22 car insurance in Illinois

If you’re convicted of DUI, driving without insurance or certain other offenses, you usually have to get an SR-22 certificate to start driving again.

Your insurance company files the certificate for you.

The actual cost of SR-22 insurance depends largely on the offense that leads to the filing requirement. You can expect to pay more for insurance after a DUI than you will if your SR-22 is for driving without insurance.

Let the companies you contact for quotes know about your SR-22 requirement when you shop for car insurance. Most companies charge an SR-22 filing fee, but this is often only about $25.

The average cost of car insurance in Illinois is $71 a month for minimum liability and $176 a month for full coverage.

No. Under Illinois’ at-fault car accident laws, you are financially responsible for injuries or damage you cause to others in a car accident.

Car insurance generally follows the car in Illinois.

Your insurance covers a licensed driver who borrows your car with your permission. However, if that driver lives with you, they should be listed on your policy or have their own insurance.

Yes. Illinois requires you to show proof of insurance to a law enforcement officer during a traffic stop or after an accident. The state also uses a computerized system to verify the license status of registered vehicles.

Methodology

LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of more than 700,000 car insurance quotes for sample drivers in every Illinois ZIP code.

Unless stated otherwise, our sample driver is a 30-year-old man with good credit and no tickets, accidents or DUIs driving a 2015 Honda Civic EX.

For full-coverage policies, the following coverage limits were used:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist bodily injury: $50,000 per person, $100,000 per accident
  • Collision: $500 deductible
  • Comprehensive: $500 deductible