Cheap Car Insurance
It's cheap to get car insurance in Illinois!
Whoa! Illinois is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Illinois might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Illinois?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | The Hartford | $761 |
| 2 | Rockford Mutual | $830 |
| 3 | Titan | $869 |
| 4 | Erie | $896 |
| 5 | Cincinnati Insurance | $906 |
| 6 | Utica National | $965 |
| 7 | USAA | $969 |
| 8 | Travelers | $971 |
| 9 | SECURA | $985 |
| 10 | State Farm | $992 |
| 11 | Auto-Owners | $1,043 |
| 12 | Safeco | $1,074 |
| 13 | GEICO | $1,096 |
| 14 | Amica | $1,098 |
| 15 | Farmers | $1,158 |
| 16 | Cal Casualty | $1,185 |
| 17 | Esurance | $1,209 |
| 18 | Progressive | $1,231 |
| 19 | MetLife | $1,232 |
| 20 | State Auto | $1,248 |
| 21 | Auto Club Group | $1,315 |
| 22 | Hastings Mutual | $1,323 |
| 23 | Mercury | $1,337 |
| 24 | American Family | $1,364 |
| 25 | General Casualty | $1,378 |
| 26 | Pekin Insurance | $1,429 |
| 27 | Nationwide | $1,531 |
| 28 | Encompass | $1,546 |
| 29 | Country | $1,601 |
| 30 | Liberty Mutual | $1,679 |
| 31 | 21st Century | $1,719 |
| 32 | Allstate | $1,728 |
| 33 | Safe Auto | $2,002 |
| 34 | Grange Mutual | $2,086 |
| 35 | Hanover | $2,533 |
| 36 | First Chicago Maverick | $3,265 |
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 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% |
Car Insurance Laws
State minimum insurance requirements in Illinois
In Illinois, the state 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 (varies by carrier):
- Comprehensive
- Collision
- Loan/Lease Payoff
- Medical and Funeral Services
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured Motorist Property Damage
Liability coverage is legally required in Illinois and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Illinois, the minimum is listed as 25/50/20 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$20,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
Uninsured/Underinsured Motorist coverage is legally required in Illinois and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Illinois, the minimum is listed as 25/50 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.
These numbers reflect the minimum limits required in Illinois but higher coverage amounts are available with most companies.
Cheap Illinois Car Insurance Companies
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Illinois.
Car Insurance FAQs
Are digital insurance cards accepted in Illinois?
What does this mean for you?
If you happen to find yourself pulled over by a police officer in Illinois you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Do I need uninsured motorist coverage in Illinois?
Uninsured Drivers in Illinois
13%
12%
Did you know?
Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.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 | $1,557 |
| 2 | Chicago | $1,514 |
| 3 | Berwyn | $1,435 |
| 4 | Skokie | $1,419 |
| 5 | Des Plaines | $1,261 |
| 6 | Oak Lawn | $1,256 |
| 7 | Evanston | $1,251 |
| 8 | Waukegan | $1,200 |
| 9 | Mount Prospect | $1,193 |
| 10 | Orland Park | $1,161 |
| 11 | Joliet | $1,157 |
| 12 | Schaumburg | $1,146 |
| 13 | Tinley Park | $1,143 |
| 14 | Bolingbrook | $1,139 |
| 15 | Palatine | $1,132 |
| 16 | Rockford | $1,130 |
| 17 | Elgin | $1,128 |
| 18 | Arlington Heights | $1,117 |
| 19 | Peoria | $1,071 |
| 20 | Aurora | $1,064 |
| 21 | Springfield | $1,049 |
| 22 | Decatur | $1,034 |
| 23 | Naperville | $1,032 |
| 24 | Bloomington | $961 |
| 25 | Champaign | $952 |
Recent Illinois Car Insurance Questions and Answers
If I backed into a pole in a parking lot, do I need a police report to file a claim?
I have a $100 deductible and the repair estimate is about $1,000. In December of 2016, I also filed a ...
If I have an accident in a company vehicle and the company’s insurance policy is covering the damage, do I have to tell my personal insurance company?
My son was driving the company’s truck making deliveries and sideswiped a parked car on a narrow street. The police ...
Someone gave me the wrong insurance information after a claim
So, there’s a couple of parts to this question. Someone hit me in a parking lot and the damage was ...
Someone on my policy hit my vehicle
My daughter and I have been with the same company for years. She hit my car with hers in my ...
Driving Laws
Illinois Texting and Driving Laws
- Ban on hand-held cell phones
- Ban on all cell phones for school bus drivers and novice drivers <19 years
- Ban on text messaging for all drivers
Alcohol Related Fatalities
321
Per Year in IllinoisAnnual DUI Arrests
Illinois4,909
US Average23,438
DUI Legal Limit
0.08%
Blood Alcohol ContentAverage DUI Cost
10k
Nationally, For First OffendersWhat does this mean for you?
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.
If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
