Car Insurance in Illinois
- GEICO and Travelers offers the cheapest liability and full coverage auto insurance in IL
- Compare the cheapest car insurance quotes in IL from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Illinois
The average car insurance rate in Illinois is $983 for a full coverage, six-month policy — 9% cheaper than the U.S. average.[1]Â
To help you find affordable auto insurance quotes, The Zebra's experts analyzed Illinois car insurance rates across various factors. For the 48% of Illinoisans who feel overcharged for car insurance, GEICO offers the lowest rates for liability coverage.[2] If you need full coverage in Illinois, Travelers provides the most affordable option on average.
For those seeking more of a balance between cost and quality, we recommend checking out State Farm, especially if you need liability-only.
- Travelers offered the cheapest full insurance coverage in Illinois at $88/mo.Â
- See the other cheapest full coverage insurance companies and best discounts in Illinois ↓
- GEICOÂ offered the cheapest liability insurance in IL at $37/mo
- Read about the rest of the top and best companies in Illinois ↓
- As a highly-rated regional carrier, Erie Insurance topped J.D. Power's 2024 auto study with a score of 710 out of 1000.[3] For those eligible, USAA is also top rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in Illinois ↓
Cheap liability insurance in Illinois
The average cost for liability insurance in Texas is $335 for a 6-month policy.[1]Â For our user profile, GEICO, Travelers, and Erie offer the cheapest liability insurance in Texas.Â
Liability-only insurance policies are significantly less expensive than full coverage policies. However, it's because they provide coverage only for damages you cause to others, not for any damage to your own vehicle or injuries you may sustain. This makes liability-only a budget-friendly option, but it leaves you more financially vulnerable in the event of an accident.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $220 | $37 |
| Travelers | $238 | $40 |
| Erie | $256 | $43 |
| USAA | $318 | $53 |
| Progressive | $360 | $60 |
| State Farm | $387 | $65 |
| Allstate | $411 | $69 |
Source: The Zebra
According to our data, 40% of our Illinois customers opt for liability-only coverage. The state requires minimum liability limits of 25/50/25 meaning $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage per accident.
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| Company | Liability Coverage | Full Coverage |
|---|---|---|
| GEICO | $178 | $730 |
| State Farm | $200 | $1,169 |
| Travelers | $249 | $531 |
| USAA | $263 | $945 |
| Progressive | $271 | $995 |
| Erie | $307 | $773 |
| Allstate | $310 | $1,388 |
Source: The Zebra
Cheap full coverage insurance in Illinois
In Illinois, you should expect to pay around $983 for a six-month policy. 60% of our Illinois drivers opt for full coverage over minimum liability.Â
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $531 | $88 |
| GEICO | $730 | $122 |
| Erie | $773 | $129 |
| USAA | $945 | $157 |
| Progressive | $995 | $166 |
| State Farm | $1,169 | $195 |
| Allstate | $1,388 | $231 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Find the best coverage and price in Texas with The Zebra.
What are the best car insurance companies in Illinois?
Erie Insurance offers some of the most competitive rates in Illinois, consistently earning high marks for customer service and claims handling. With a range of coverage options and discounts, including the unique Rate Lock® feature, Erie helps keep premiums stable even after filing a claim or adding a vehicle. The company’s highly-rated local agents provide personalized service, making Erie a top choice for Illinois drivers seeking affordable and reliable car insurance.
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Top customer ratings
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ERIE Rate Lock
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Local agents
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Customizable coverage options
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Erie Auto Plus endorsement (diminishing deductible, waved deductible for some claims, extra loss of use coverage )
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Only available in 12 states (only a concern if you plan to move)
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Limited web-based services (e.g. inability to add Auto ID card to Apple Wallet)
Best car insurance in Illinois — honorable mentions
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $773 | $129 |
| Westfield | $837 | $139 |
| USAA | $945 | $157 |
| Country | $1,089 | $182 |
| State Farm | $1,169 | $195 |
Source: The Zebra
How did we pick what company has the "Best Value" in Illinois?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Illinois
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
How have car insurance costs in Illinois changed?
Like many states, Illinois has seen many fluctuations in insurance rates over the years. However, for the past five years, the overall trend has been an increase. In 2024 alone, insurance costs increased $106 year over year.
While overall prices might be increasing, Illinois is still comparatively cheaper than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017.
| Year | Avg. Annual Premium | Yearly Change |
|---|---|---|
| 2024 | $1,623 | $106 |
| 2023 | $1,517 | $3 |
| 2022 | $1,514 | $120 |
| 2021 | $1,395 | $110 |
| 2020 | $1,285 | -$4 |
| 2019 | $1,289 | $32 |
| 2018 | $1,257 | -$539 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
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.
Find your best value insurance match with The Zebra.
Car insurance in popular Illinois cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Unsurprisingly, larger cities like Chicago tend to have higher car insurance rates due to increased traffic congestion, higher accident rates, and elevated crime levels, all of which raise the risk for insurers.
Have a look at the table below to see average car insurance costs in some of Illinois's biggest cities.
Insider knowledge, trusted guidance
Cheap auto insurance for teens and 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: $3,059/six-month policy — that's $206 less than the nationwide average and over triple that of a typical Illinois driver.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $1,702 | $284 |
| Travelers | $1,906 | $318 |
| GEICO | $2,235 | $372 |
| USAA | $3,084 | $514 |
| Progressive | $3,410 | $568 |
| Allstate | $3,651 | $609 |
| State Farm | $4,218 | $703 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $5,691 | $948 |
| Progressive | $4,658 | $776 |
| Allstate | $4,497 | $750 |
| USAA | $4,471 | $745 |
| Travelers | $3,487 | $581 |
| GEICO | $2,842 | $474 |
| Erie | $1,883 | $314 |
Source: The Zebra
Zebra Tip: 3 ways young drivers can save on car insurance
- Complete a defensive driving course to qualify for discounts and reduce the risk of accidents.
- Opt for a car with high safety ratings and low repair costs instead of a high-performance vehicle.
- Stay on your parent’s policy to save money and benefit from their established insurance history.
Illinois auto insurance quotes after an accident or ticket
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. In Illinois, an at-fault accident in recent years could see your car insurance rates increase by as much as 45%.
Curious where you can find the best rates after an at-fault accident? Check out the table below.Â
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $703 | $117 |
| Erie | $1,045 | $174 |
| GEICO | $1,130 | $188 |
| USAA | $1,369 | $228 |
| State Farm | $1,462 | $244 |
| Progressive | $1,531 | $255 |
| Allstate | $2,165 | $361 |
Source: The Zebra
Zebra Tip: Don't forget about claims satisfaction
In a perfect world, you wouldn't need to use your insurance. But if you ever do, a smooth claims process makes all the difference. In our 2024 Customer Satisfaction Survey, we found that Erie and USAA stood out for their claims handling. If you're in Illinois, these companies are worth at least considering.
In Illinois, a poor driving record can lead to steep increases in your insurance rates. If you get a ticket or citation, expect your premiums to rise, though the exact amount depends on the type of violation, your insurer’s policies, and local regulations. This means tickets can affect your rates differently in Illinois compared to other states.
Source: The Zebra
The Zebra's guide to Illinois car insurance laws for high-risk drivers
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.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $753 | $126 |
| Progressive | $1,157 | $193 |
| Erie | $1,233 | $206 |
| GEICO | $1,620 | $270 |
| State Farm | $1,679 | $280 |
| Allstate | $1,841 | $307 |
| USAA | $1,955 | $326 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI auto insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Illinois SR-22 laws
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.
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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.
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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.
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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.
Find an affordable policy in Illinois in minutes!
Illinois car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Illinois auto insurance.
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2024 Customer Satisfaction Survey. The Zebra
RECENT QUESTIONS ABOUT CAR INSURANCE IN IL
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Learn more about car insurance in Illinois:
- Peoria, IL Car Insurance
- Rockford, IL Car Insurance
- Car Insurance with a DUI in Illinois
- Aurora, IL Car Insurance
- Illinois High-Risk Drivers
- Temporary Car Insurance in Illinois
- Joliet, IL Car Insurance
- Naperville, IL Car Insurance
- Car Insurance in Chicago, IL
- Average Cost of Auto Insurance in Illinois
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 editorial 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.