Cheap Illinois Car Insurance

Compare rates from 63 car insurance companies in Illinois.

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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.


Affordable Insurance Premiums in Illinois

What's the cheapest car insurance in Illinois?
RankCompany NameAvg. Annual Premium
1The Hartford$761
2Pekin Insurance$868
7State Farm$1,200

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$21416.22%
No Accidents$53832.78%
Good Credit$1,11550.28%

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.

AgeAnnual Rate with ParentsAnnual Rate Alone

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 FactorAnnual Rate% Increase
At-Fault Accident$1,64132.78%
Speeding Violation$1,31616.22%
Bad Credit$2,21850.28%
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 CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
American Family4Excellent
Cincinnati InsuranceNot RatedSuperior
EncompassNot RatedSuperior
EsuranceNot RatedSuperior
Hastings MutualNot RatedExcellent


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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.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
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:


  • 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$1,88354%$661
Refused Breathalyzer/Chemical Test$1,83550%$613
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
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

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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.

RankCityAvg. Annual Premium
5Oak Lawn$1,541
6Des Plaines$1,513
9Mount Prospect$1,418
10Orland Park$1,399
11Tinley Park$1,388
17Arlington Heights$1,330

Recent Illinois Car Insurance Questions and Answers

Do you have to have full coverage to drive for Uber in Illinois?

While passengers are in the vehicle, most rideshare insurance is handled by Uber or Lyft. Passengers are covered for any injuries sustained during such a ride.

Within what timeframe does an insurer typically drop or penalize you for multiple (two) accidents?

Sorry to hear about the accidents. If you were to move to a new company they would probably start the policy reflecting these accidents.

Can my 16-year-old daughter have a non-owners policy and drive my car?

In short, a non-owners policy is for someone who doesn't drive a vehicle on a normal basis, doesn't own a vehicle, and doesn't have access to one. So if your daughter only rents cars, then non-owners insurance may be a better fit.

What is the reason that another driver would refuse to give their car insurance after an accident?

They might not have insurance or don't want you to file a claim on their insurance. Any claim you make would impact their premium.

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET,, and Kin Insurance.