Cheapest Car Insurance in Illinois (2024)
Cheapest insurance companies in Illinois
Cheapest full-coverage car insurance in Illinois: Travelers
Travelers offers a wide range of car insurance discounts that could bring down your rate even more. This includes discounts for bundling, home ownership and safe driving.
| Company | Annual rate | LendingTree score |
|---|---|---|
| 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.
Full coverage includes collision and comprehensive insurance, which covers your car for damage and theft. Although state law doesn’t require them, you’ll usually need to get both for a car loan or lease.
Illinois’ cheapest minimum-liability auto insurance: State Farm
The next-best rates come from Country Financial ($549 a year) and Travelers ($617 a year), based on our data.
All three companies offer many discounts that could make any one of them the cheapest for you.
| Company | Annual 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.
In Illinois, the average price for minimum-liability car insurance is $848 a year, or $71 a month.
Liability car insurance in Illinois includes uninsured motorist coverage. This pays to treat injuries a driver without insurance causes to you or your passengers.
Cheapest rates for young drivers in Illinois: Country Financial
For an even lower rate, see if you qualify for Country Financial’s good student discount. It could help you save up to 35%.
| Company | Minimum 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.
The average price of car insurance for an 18-year-old is more than three times the rate a typical 30-year-old pays.
However, young drivers are often charged less when added to a parent’s car insurance compared to buying their own standalone policies.
Cheapest rates after a speeding ticket in Illinois: State Farm
Travelers is another good option for cheap car insurance with a ticket. It charges an average rate of $1,677 a year.
| Company | Annual 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.
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.
Cheapest rates after an accident in Illinois: State Farm
The average price of car insurance for a driver with one prior accident is $3,302 a year, or $275 a month. This is almost 57% more than the rate you pay with a clean record.
| Company | Annual 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.
Best rates after a DUI in Illinois: Country Financial
In Illinois, a DUI raises the average price of auto insurance by close to 60% to $3,364 a year, or $280 a month.
| Company | Annual 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
Country Financial is next, with rates averaging $2,436 a year, followed by American Family at $2,981.
| Company | Annual 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 factors like your payment history and credit usage show how likely you are to file a claim. These are different from the factors lenders look at for loan qualifications.
The good news is that a credit check for an insurance quote does not affect your credit score.
Best car insurance companies in Illinois
Not only do State Farm and Country Financial charge the cheapest car insurance rates in most categories, but they also have the best ratings.
| Company | J.D. Power customer satisfaction* | NAIC Complaint Index** | LendingTree score |
|---|---|---|---|
| American Family | 642 | 0.35 | |
| Country Financial | 665 | 0.25 | |
| Progressive | 648 | 0.40 | |
| State Farm | 665 | 0.78 | |
| Travelers | 606 | 0.41 | |
*Higher is better, **Lower is better
Country Financial is tied for the best J.D. Power customer satisfaction score of the companies we surveyed, for example. It also has the best complaint rating from the National Association of Insurance Commissioners (NAIC) and best LendingTree score (4.8).
State Farm is tied for the best customer satisfaction score and the second-best LendingTree score. Its complaint rating is the worst of the surveyed companies, though it is still better than average.
Illinois auto insurance rates by city
| City | Annual 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.
Chicago drivers pay the second-highest car insurance rates of Illinois’ biggest cities. They pay $2,772 a year, on average.
This isn’t surprising, as drivers in big cities usually pay higher rates for car insurance because they’re more likely to get into an accident. Their cars are also more likely to be stolen or vandalized.
How to get cheap car insurance in Illinois
Increase your deductible
Raising your car insurance deductible lowers your premium or rate. Just make sure you can afford to pay your deductible if you need to file a claim. Lowering your monthly or yearly bill won’t matter much if you can’t get your car fixed after an accident or other mishap.
Get discounts
Discounts can go a long way toward making your car insurance policy a lot more affordable. Most companies offer a wide selection of car insurance discounts, too. Not sure if you qualify for certain discounts? Pick up the phone and ask an agent. They’ll be able to help.
Compare quotes
Before you settle on a car insurance policy, get and compare quotes from a handful of different companies. Use the same info, like coverage and deductible amounts, for all quotes so you can compare apples to apples.
A few more ways to get cheap or cheaper car insurance in Illinois include:
- Check out usage-based insurance
- Clean up your driving record
- Improve your credit score
Car insurance rate factors
What you pay for car insurance in Illinois (or elsewhere) depends on several factors. The factors most likely to impact your rate include:
- Driving record
- Vehicle make, model and age
- Mileage
- Age
- Gender
- ZIP code
- Credit history
If you qualify for any car insurance discounts, they will affect your policy cost, too.
Every car insurance company weighs these factors differently. That’s why it’s important to compare car insurance quotes from multiple companies when you shop for coverage.
Car insurance laws in Illinois
Possible penalties for driving without insurance in Illinois:
- Fines
- Vehicle registration suspension
- Reinstatement fees
- SR-22 filing requirement
Illinois’ minimum car insurance requirements
- 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 may have to pay the portions of a victim’s medical and/or car repair bills that go over 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 like fire, flood, falling objects and vandalism.
- Medical payments (MedPay): Covers injuries to you and your passengers, no matter who causes the accident.
- Uninsured motorist property damage: Pays to repair damage a driver with no insurance causes to your vehicle.
SR-22 car insurance in Illinois
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.
Tell the companies you contact for quotes about your SR-22 requirement when you shop for car insurance. Most companies charge an SR-22 filing fee, but it’s often only about $25.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Collision: $500 deductible
- Comprehensive: $500 deductible
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third party customer service ratings, and app / website experience. We weighted these categories based on what customers value in an insurance company.
For 3rd party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
Overall satisfaction ratings are from the J.D. Power 2023 U.S. Auto Insurance Study. Complaint ratings are based on NAIC data from 2023.
Frequently asked questions
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.