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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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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?
RankCompany NameAvg. Annual Premium
1The Hartford$761
2Pekin Insurance$868
3Travelers$971
4Unique$988
5Lighthouse$1,017
6Safeco$1,074
7State Farm$1,200
8Nationwide$1,351
9Progressive$1,643
10Hanover$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$21416.22%
No Accidents$53832.78%
Good Credit$1,11550.28%

 

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.

AgeAnnual Rate with ParentsAnnual 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 FactorAnnual Rate% Increase
At-Fault Accident$1,64132.78%
DUI$2,36853.42%
Speeding Violation$1,31616.22%
Bad Credit$2,21850.28%

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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)

AllstateAbove averageAverageSuperior4.3 / 5
AmicaExcellentExcellentSuperiorN/R
EncompassN/AN/AN/AN/A
ErieAbove averageAbove averageSuperior4.5/5
GEICOAverageAverageSuperior4.4 / 5
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
UniqueN/AN/AN/AN/A
USAAExcellentExcellentSuperior4.6 / 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$1,88354%$661
Refused Breathalyzer/Chemical Test$1,83550%$613
DUI$1,83550%$613
Racing$1,88354%$661
Reckless Driving$1,85652%$634
Driving with a Suspended License$1,90356%$681
At-Fault Accident$1,83150%$609
Driving with an Open Container$1,63834%$416
Operating a Vehicle Without Permission$1,62933%$406
Passing a School Bus$1,58430%$362
Improper Passing$1,69839%$476
Following Too Closely$1,68838%$466
Speeding$1,58029%$358
Failure to Stop at a Red Light$1,68838%$466
Illegal Turn$1,68838%$466
Driving Wrong Way/Wrong Lane$1,58430%$362
Failure to Yield$1,68838%$466
Speeding in a School Zone$1,57029%$348
Driving Too Slowly$1,57129%$349
Distracted Driving$1,54226%$320
Driving with Expired Registration$1,2563%$34
Failure to Show Documents$1,2563%$34
Not-at-Fault Accident$1,48822%$266
Failure to Use Child Safety Restraint$1,2220%$0
Failure to Wear a Seat Belt$1,2220%$0
Driving Without Lights$1,2220%$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.

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

 

Recent Questions:

If I damaged another person's car but they waited to file a claim and I no longer have the car insurance policy, do I have to pay them?

You do not have to pay them if you had insurance at the time of the accident. They would need to contact the insurance company you had at the time, provide them with your policy information, and start the process.
Jun 21, 2020 Chicago, IL

Can I bundle my renters and new car insurance?

We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
Jul 2, 2018 Belleville, Il

Got into an accident and didn't get their insurance info

I recommend your father contacting his insurance company and informing them of the situation. Providing them with all available information including the other driver's state registration information.
Jan 4, 2018 Chicago, Illinois

When quoting online for new insurance, how do I list an accident where I was not at fault but also uninsured?

Even if you were without insurance at the time of the accident, if the other driver was found to be at fault then your insurance status should have no bearing on that (with the exception of Louisiana). I would recommend selecting a "not at fault" accident and proceed forward.
Apr 4, 2017 Chicago, IL

Ross Martin
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.