Cheap Illinois Car Insurance

Find affordable auto insurance that works for you in Illinois. Compare quotes from over 100 top companies.

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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. We’ll get you prepped, then you take the wheel.  Read on to learn about the factors affecting car insurance quotes in the state of Illinois.


 

Affordable insurance companies in Illinois

What's the cheapest car insurance in Illinois?
Rank Company Name Avg. Annual Premium
1 The Hartford $761
2 Pekin Insurance $868
3 Travelers $971
4 Unique $988
5 Lighthouse $1,017
6 Safeco $1,074
7 State Farm $1,200
8 Nationwide $1,351
9 Progressive $1,643
10 Hanover $4,155

Ready to compare quotes? See rates dozens of insurance companies that provide coverage in Illinois — enter your ZIP code below to get started on saving.

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Cheap auto insurance for good drivers in Illinois

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Illinois drivers without a recent at-fault accident save 32% on their car insurance, on average — on pace with the national average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $214 16.22%
No Accidents $538 32.78%
Good Credit $1,115 50.28%

 

Cheap auto insurance for young drivers in Illinois

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Illinois, the typical teen driver pays $4,669 per year — a bit cheaper than average for teen drivers nationwide — but four times more than the rate for all Illinois drivers.

Age Annual Rate with Parents Annual Rate Alone
16 $5,557 $5,327
17 $5,340 $4,550
18 $5,172 $4,072
19 $4,555 $2,779

 

Cheap auto insurance for bad drivers in Illinois

If you have no at-fault accidents, speeding tickets, or DUIs, you can save money on car insurance. As insurance companies use your driving record as a way to predict the level of risk you present, keeping your driving record clean will lead to lower premiums. It's especially important to avoid DUI citations in Illinois, where insurers penalize drivers with an average rate hike of 53% after a DUI. Illinois' other post-incident premiums align with national averages (16% for speeding infractions and 32% after an at-fault accident).

Rating Factor Annual Rate % Increase
At-Fault Accident $1,641 32.78%
DUI $2,368 53.42%
Speeding Violation $1,316 16.22%
Bad Credit $2,218 50.28%

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Top rated car insurance companies in Illinois

Every car insurance company plays up its low costs. But as with any product, the most affordable car insurance isn't always the finest option. Considering the stakes, it's worthwhile to do your due diligence to find a policy that insures your vehicle completely after an accident. Consider doing research to discover the best value, rather than settling for the most affordable auto insurance in Illinois.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allstate Average Average Superior 4.3 / 5
Amica Excellent Excellent Superior N/R
Encompass N/A N/A N/A N/A
Erie Excellent Above average Superior 4.5/5
GEICO Average Average Superior 4.4 / 5
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
Travelers Average Below average Superior 4.3 / 5
Unique N/A N/A N/A N/A
USAA Excellent Excellent Superior 4.6 / 5

 

Illinois auto insurance laws

In Illinois, the minimum coverage requirements are as follows:

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 (which varies by carrier) include:

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

For the minimum required coverage in Illinois, you'll owe an average of $484 annually. This cost is cheaper than the U.S. average by 26%. If you opt for more comprehensive coverage, you can choose a policy with comprehensive and collision coverage, which will protect against damages incurred by car-versus-car collisions, theft, or weather incidents. Better auto insurance comes at a cost: in Illinois, a comprehensive policy with a $1,000 deductible costs $997, 106% more than liability-only coverage. For comprehensive insurance coverage with a $500 deductible, you can expect to pay 131% more than you would for a basic liability-only policy.

Read more about coverage requirements in this state.

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How tickets change insurance rates in Illinois

If you get a ticket, your car insurance rates will probably rise. How much your rates rise depends on the severity of 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.

Below is a look at typical auto insurance rates in Illinois after a few common violations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $1,883 54% $661
Refused Breathalyzer/Chemical Test $1,835 50% $613
DUI $1,835 50% $613
Racing $1,883 54% $661
Reckless Driving $1,856 52% $634
Driving with a Suspended License $1,903 56% $681
At-Fault Accident $1,831 50% $609
Driving with an Open Container $1,638 34% $416
Operating a Vehicle Without Permission $1,629 33% $406
Passing a School Bus $1,584 30% $362
Improper Passing $1,698 39% $476
Following Too Closely $1,688 38% $466
Speeding $1,580 29% $358
Failure to Stop at a Red Light $1,688 38% $466
Illegal Turn $1,688 38% $466
Driving Wrong Way/Wrong Lane $1,584 30% $362
Failure to Yield $1,688 38% $466
Speeding in a School Zone $1,570 29% $348
Driving Too Slowly $1,571 29% $349
Distracted Driving $1,542 26% $320
Driving with Expired Registration $1,256 3% $34
Failure to Show Documents $1,256 3% $34
Not-at-Fault Accident $1,488 22% $266
Failure to Use Child Safety Restraint $1,222 0% $0
Failure to Wear a Seat Belt $1,222 0% $0
Driving Without Lights $1,222 0% $0

 

Illinois Car Insurance FAQs

Who has the cheapest car insurance in Illinois?

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?

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?

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?

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.

How much does car insurance cost in Illinois cities?

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

Rank City Avg. Annual Premium
1 Chicago $1,711
2 Joliet $1,377
3 Schaumburg $1,374
4 Elgin $1,341
5 Rockford $1,340
6 Aurora $1,300
7 Peoria $1,283
8 Naperville $1,273
9 Springfield $1,251
10 Champaign $1,146

 

RECENT QUESTIONS

How do i get a car if I am living in a camper?

This one is tricky. You need to get insurance in the state that you have the car registered in.
Aug 27, 2018 Joliet, IL

If I backed into a pole in a parking lot, do I need a police report to file a claim?

Firstly, a police report is not always necessary to file a claim, especially for incidents that only involve one vehicle. As for your second question, should you file a claim, the choice will ultimately be up to you.
Aug 11, 2018 Taylorville, IL

Can I get car insurance without a car?

Yes! If you do not own a vehicle but regularly drive other vehicles and are not insured on anyone else's insurance policy then you can purchase a non-owners policy. This type of policy will afford you the basic state-required coverage to keep you legal on the road as a driver and protect your assets in the event that you are involved in an accident where you are at fault.
Mar 28, 2016 Springfield, IL

What do I do if my car is hit by an object that came off of someone else's vehicle?

Filing a police report and contacting your insurance provider would be my recommendation. Doing this allows the police to search for the driver pulling the trailer while your insurance company starts the repair process on your vehicle.
Sep 24, 2016 Manteno, IL

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.