Cheap Illinois Car Insurance

Compare the best rates from 28 car insurance companies in Illinois.

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.

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 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
Uninsured/Underinsured Motorist
Optional coverage in Illinois (varies by carrier):

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.

Top 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?

Yes

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
Illinois

13%

Nationwide

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

Can I request a check for an insurance claim directly

May 25, 2018

I own the car, but the claim is not through my insurance but USAA. Since I’m not a member I ...

Am I covered if I insure the vehicle but I’m not listed on the vehicle

Apr 19, 2018

Our car was purchased in SC, but it’s registered to someone who lives in IL. The dealership here sent all ...

Driving record transfer from state to state

Apr 11, 2018

I got a speeding ticket recently on my Illinois license registration. but I have moved to Dallas and got the ...

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

Jan 05, 2018

My father was involved in a fender bender. He was at a stop sign and the driver behind him dinged ...

Driving Laws

Illinois Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on all cell phones for school bus drivers and novice drivers <19 years
  3. Ban on text messaging for all drivers
Alcohol Related Fatalities

321

Per Year in Illinois
Annual DUI Arrests
Illinois
4,909
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What 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.

Illinois Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Illinois area, while also getting an insider view of the Prairie State.

Prompt

So, Illinois students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.