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.
Affordable Insurance Premiums 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 from over 60 insurance companies that provide coverage in Illinois — enter your ZIP code below to get started on saving.
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Cheap 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 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 Car 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% |
Best Car Insurance
Best 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.
Review top auto insurers' financial strength and claims satisfaction levels to better understand the level of service they'll provide. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Poor" to "Superior" — assesses an insurer's financial strength and ability to satisfy its contractual and policy obligations.
| Insurance Company | Claims Satisfaction (J.D. Power) | Financial Strength (A.M. Best) |
| Allstate | 3 | Superior |
| American Family | 4 | Excellent |
| Amica | 4 | Superior |
| Auto-Owners | 5 | Superior |
| Cincinnati Insurance | Not Rated | Superior |
| Encompass | Not Rated | Superior |
| Erie | 5 | Superior |
| Esurance | Not Rated | Superior |
| GEICO | 3 | Superior |
| Hanover | 3 | Excellent |
| Hastings Mutual | Not Rated | Excellent |
| MetLife | 3 | Superior |
| Nationwide | 4 | Superior |
| Progressive | 3 | Superior |
| USAA | 5 | Superior |
See insurance rates for Illinois' best companies!
What is the Best Car Insurance Coverage in Illinois?
The minimum allowed insurance in Illinois is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $20,000 Property Damage per accident.
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.
Examine average premiums for basic and comprehensive coverage tiers below.
| Location | Liability-Only | Comprehensive — $1,000 Deductible | Comprehensive — $500 Deductible |
| Illinois | $483.60 | $997.36 | $1,117.98 |
| National Average | $657.66 | $1,241.26 | $1,397.94 |
Illinois Auto Insurance Laws
What are the state minimum insurance requirements in Illinois?
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
Additional resources on coverage requirements in this state.
Ticket Impact on Auto 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 |
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Illinois Car Insurance FAQs
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.
Who has the cheapest 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 do drivers in the rest of Illinois.
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.
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 Cicero, Illinois.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Cicero | $1,773 |
| 2 | Chicago | $1,711 |
| 3 | Skokie | $1,687 |
| 4 | Berwyn | $1,661 |
| 5 | Oak Lawn | $1,541 |
| 6 | Des Plaines | $1,513 |
| 7 | Evanston | $1,461 |
| 8 | Bolingbrook | $1,420 |
| 9 | Mount Prospect | $1,418 |
| 10 | Orland Park | $1,399 |
| 11 | Tinley Park | $1,388 |
| 12 | Joliet | $1,377 |
| 13 | Schaumburg | $1,374 |
| 14 | Palatine | $1,346 |
| 15 | Elgin | $1,341 |
| 16 | Rockford | $1,340 |
| 17 | Arlington Heights | $1,330 |
| 18 | Aurora | $1,300 |
| 19 | Peoria | $1,283 |
| 20 | Naperville | $1,273 |
| 21 | Springfield | $1,251 |
| 22 | Decatur | $1,238 |
| 23 | Bloomington | $1,168 |
| 24 | Champaign | $1,146 |
Recent Illinois Car Insurance Questions and Answers
Someone on my policy hit my vehicle
When quoting online for new insurance, how do I list an accident where I was not at fault but also uninsured?
Am I obligated to continue insurance payment even the car is totaled?
How long do you have to be insured before you can file a claim?
