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Here's what you need to know when driving in Illinois

Across the Prairie State, there are 292,789 miles of road just waiting to be driven. The average car insurance rate in Illinois is $1,394 per year — 9% less than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Illinois car insurance rates for these rating factors in an effort to help you find an affordable policy.

Read on to learn how much auto insurance costs in Illinois based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.

The best car insurance companies in Illinois

Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Illinois.

1st place medal
USAA

Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 879 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the state of Illinois.

2nd place medal
Erie Insurance

As a highly-rated regional carrier, Erie Insurance scored an 857 on J.D. Power's 2021 auto study.

3rd place medal
State Farm

State Farm placed third in this region with a score of 857 in J.D. Power's 2021 Auto Insurance Study. This carrier also received 4.5 stars out of 5 in The Zebra's Customer Satisfaction Survey. 

Key takeaways
  • Illinois drivers pay about 9% less for car insurance on average, with the cheapest major car insurance company being The Hartford.

The cheapest car insurance companies in Illinois

These companies offer the cheapest rates in the following scenarios.

medal
Cheapest full coverage insurance: Travelers

The cheapest rates are from Travelers at $1,108 annually, or $92 per month.

medal for most affordable
Cheapest for minimum liability: GEICO

For the minimum required coverage in Illinois, GEICO is the cheapest on average. 

Most affordable medal
Cheapest for DUI: Travelers

If you have a DUI on your record, check out Travelers for the cheapest average rates.

Company Avg. Annual Premium
Travelers $1,108
State Farm $1,186
GEICO $1,236
USAA $1,391
Nationwide $1,428
Progressive $1,689
Farmers $1,786
Allstate $2,428
Updated: 09/29/22.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


Illinois auto insurance laws

Car insurance is mandatory in almost every state, including Illinois. If you choose the legal minimum coverage level in Illinois, expect to pay an average of $516 annually. This expenditure is less expensive than the nationwide average by 4%. 

For the legal minimum coverage level in Illinois, expect to pay about $516 per year.

State minimum coverage

In order to drive legally in the state of Illinois, you must carry at least the minimum liability limits listed below:

Liability

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $20,000 per accident

Uninsured/Underinsured Motorist

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident

Optional coverage in Illinois (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Property Damage
car with blue windshield

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Illinois, a comprehensive insurance policy with a $1,000 deductible costs $1,240, 140% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 191% more than you would for basic coverage.

In Illinois, a comprehensive insurance policy with a $1,000 deductible costs $1,240, 140% more than liability-only car insurance

The Zebra's guide to Illinois car insurance laws


Learn more about car insurance requirements in the state of Illinois with our helpful guide.


Compare car insurance rates from the best companies in Illinois.

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Illinois car insurance premiums by rating factor

Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Illinois.

Cheap auto insurance in Illinois for minimum coverage

Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Illinois, the average cost for minimum coverage is $43 per month, or $516 yearly — a savings of $983 compared to full coverage.

Company Avg. Annual Premium
GEICO $356
State Farm $400
Travelers $498
USAA $525
Progressive $541
Nationwide $585
Allstate $620
Farmers $930
Updated: 09/29/22.

Cheap auto insurance in Illinois with bad credit

Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Illinois drivers with poor credit pay 52% more per year than those with exceptional credit. Have a look at some common rates by credit tier below.

Company Avg. Annual Premium
GEICO $1,611
Travelers $1,735
Nationwide $1,934
USAA $2,426
State Farm $2,576
Progressive $2,763
Farmers $2,860
Allstate $3,255
Updated: 09/29/22.

Cheap auto insurance in Illinois with an at-fault accident

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $678 per year.

Safe driver discounts

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

Company Avg. Annual Premium
Travelers $1,467
State Farm $1,501
GEICO $1,884
USAA $2,000
Nationwide $2,233
Progressive $2,389
Farmers $2,640
Allstate $3,726
Updated: 09/29/22.

Cheap auto insurance for young drivers in Illinois

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Illinois, teen drivers pay especially high rates: $4,409 per year — that's $387 less than the nationwide average and over twice as much as a typical Illinois driver.

Company Avg. Annual Premium
GEICO $3,808
Travelers $4,142
State Farm $4,386
USAA $4,498
Nationwide $4,901
Progressive $6,002
Allstate $6,612
Farmers $8,765
Updated: 09/29/22.

Illinois auto insurance rate by violation

In Illinois, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,514 0% $0
One Med/PIP claim $1,523 1% $9
Not-at-fault accident $1,594 5% $80
One comp claim $1,622 7% $108
Two Med/PIP claims $1,625 7% $111
Two comp claims $1,754 16% $240
Driving without lights $1,762 16% $248
Child safety restraint $1,766 17% $252
Failure to show documents $1,799 19% $285
Failure to wear a seat belt $1,824 20% $310
Driving with expired registration $1,832 21% $318
Speeding 6 - 10 MPH over limit $1,851 22% $337
Speeding 11 - 15 MPH over limit $1,898 25% $384
Driving too slowly $1,907 26% $393
Illegal turn $1,911 26% $397
Failure to yield $1,914 26% $400
At-fault accident - less than $1000 $1,914 26% $400
Failure to stop at a red light $1,918 27% $404
Speeding 16 - 20 MPH over limit $1,920 27% $406
Speeding in school zone $1,922 27% $408
Following too closely $1,936 28% $422
Improper passing $1,938 28% $424
Wrong way/wrong lane $1,956 29% $443
Texting while driving $1,966 30% $452
Cell phone violation $1,966 30% $452
Passing school bus $1,989 31% $475
Speeding 21 - 25 MPH over limit $2,025 34% $511
In 65 MPH zone $2,103 39% $589
Operating a vehicle without permission $2,110 39% $596
At-fault accident - $1000-$2000 $2,170 43% $656
At-fault accident - greater than $2000 $2,194 45% $680
Open container $2,350 55% $836
Reckless driving $2,678 77% $1,164
Racing $2,697 78% $1,183
Driving with a suspended license $2,754 82% $1,240
Refusal to submit to a chemical test $2,768 83% $1,255
DUI $2,775 83% $1,261
Leaving scene of an accident/hit and run $2,827 87% $1,313
Updated: 09/29/22.

Illinois DUI laws

In Illinois, a DUI offense can increase your annual car insurance premium by an average of $578. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.

 
Low-cost car insurance after a DUI in Illinois

If you're convicted of a DUI or DWI violation in Illinois, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Illinois, Travelers, advertises annual rates 19% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Illinois is State Farm, while the priciest firm is Allstate, with prices 59% above average.

Company Avg. Annual Premium
Travelers $1,603
State Farm $1,731
Progressive $1,878
Farmers $2,509
GEICO $2,674
USAA $2,841
Nationwide $2,854
Allstate $3,142
Updated: 09/29/22.

There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.

Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.

Learn more about car insurance and DUI infractions.

Illinois SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Illinois to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in Illinois might require some research, but it could pay off in the end.

 

How to acquire an SR-22 in Illinois

For currently insured drivers

If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.

 

For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

 

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.

 

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

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Rates by city

Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Twin Grove, Illinois, and the most expensive in Dolton, Illinois.

Have a look at the table below to see average car insurance costs in some of Illinois's biggest cities.

City Avg. Annual Premium
Naperville $1,431
Aurora $1,463
Rockford $1,504
Joliet $1,573
Chicago $2,171
Updated: 09/29/22.

Car insurance price trends in Illinois

In Illinois, average annual auto insurance costs increased by $110 in the past year. A typical Illinois driver pays an average of $1,395 per year.

The recent pricing trend in Illinois leans toward slightly cheaper car insurance costs than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.

 
ILLINOIS CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — Illinois Yearly Change — Illinois Avg. Annual Premium — US Yearly Change — US
2021 $1,395 $110 $1,529 $46
2020 $1,285 -$4 $1,483 -$61
2019 $1,289 $32 $1,544 $23
2018 $1,257 -$539 $1,521 $84
2017 $1,796 $234 $1,437 $69
2016 $1,562 -$323 $1,368 $88
2015 $1,885 $216 $1,280 $51
2014 $1,669 $155 $1,229 $34
2013 $1,514 -$63 $1,195 -$80
2012 $1,577 $323 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.


Illinois car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Illinois auto insurance.

Who has the cheapest car insurance in Illinois? Chevron down icon
The Hartford ($380 per month) and Pekin Insurance ($434 per month) are the cheapest providers for a typical Illinois driver. The only real way to find the cheapest rates for you is to shop around. Using The Zebra's insurance comparison tool, you can compare top providers such as GEICO, State Farm, and Progressive for free with no obligation.
How expensive is car insurance in Illinois? Chevron down icon
Compared to the rest of the U.S., Illinois is 25% less expensive than average. However, if you're living in a big city like Chicago, you should expect to pay more. On average, drivers in Chicago pay $314 more per year for car insurance than drivers in the rest of Illinois.
What is the average cost of car insurance in Illinois? Chevron down icon
The average driver in Illinois pays $558 for a six-month policy. This amount will vary by city and driver profile.
Is Illinois a no-fault state for car insurance? Chevron down icon
No. Illinois is an at-fault state. You are responsible for any damage you cause to another vehicle. Fault can only be determined by an insurance adjuster.

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RECENT QUESTIONS

If I’m involved in an accident in a work vehicle, will my personal insurance be impacted?

While it's unlikely that the company's insurance carrier will notify your personal provider, the accident will probably end up on your driving record. Most insurance companies don't run driving reports after you've already been a customer, but the accident could impact your rate if you were to switch to a new insurance company in the next 3 years.
May 23, 2017 Mesa, AZ

If I returned my car because it was a lemon, will I get a refund on my insurance policy?

Each company is a bit different in how they refund policies. However, since your vehicle was returned, you might be eligible for a full refund if you submit some sort of proof to the insurance company that your vehicle was defective.
Dec 23, 2016 Baltimore, MD

Do I have to use the repair shop my insurance company recommends?

No, you do not have to use the garage or body shop your car insurer recommends. In fact, many states have laws on the books specifically stating that an insurer cannot require you to use a certain shop.
Oct 11, 2021 Las Vegas, NV

It is illegal to pay for someone else's car insurance

While it is not illegal to pay for someone else's policy, you might run into issues if she's on your policy as well. Car insurance is regulated at the state level and priced at the zip code level.
Jun 24, 2018 Pinellas, FL

Renata Balasco photo
Renata BalascoContent Strategist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist. Her expertise in property and casualty insurance informs her work in creating expert home and auto insurance guides to educate shoppers. 

Renata previously worked as a content specialist for Lifespan, the largest hospital system in the state of Rhode Island. She holds a bachelor’s degree in French Language and Communications from The University of Rhode Island.

Renata's work has been cited by Car and Driver, The Balance and Fox Business

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.