Car Insurance for Good Drivers in Illinois

The Zebra
July 15, 2019

Car insurance for good drivers in Illinois

Many of the factors contributing to car insurance rates are out of your control: your age, location, and gender are common rating factors over which you don’t have much of a say. There are, however, factors you can more easily alter in pursuit of low premiums.

If you're looking for affordable car insurance, try to keep your driving history clean, your credit score high, and your monthly mileage low. Car insurance companies are willing to provide price breaks to drivers who present little risk, so low-risk driving behaviors can lead to a price cut.

See below a breakdown of the best companies with which to start your car insurance search if you’re a low-risk customer in Illinois.

Car insurance rates for drivers with no citations in Illinois

One of the easiest ways to pay less for auto insurance is to maintain a good driving record. Insurers view safe drivers as less risky customers, in turn charging them lower premiums. Staying on the right side of the law is a great way to cut your insurance costs.

If you're citation-free, start your insurance comparison journey with Pekin Insurance, with an average annual rate of $727. That sums to $291less than the average car insurance rate for citation-free drivers in Illinois.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN ILLINOIS
Insurance CompanyAvg. Annual Auto Insurance Rate
Pekin Insurance$727
SECURA Insurance$991
Rockford Mutual Insurance$1,036
State Farm$1,055
Encompass$1,099
Utica National Ins Group$1,100
Grange Mutual$1,120
Nationwide$1,238

Auto insurance rates for drivers with above-average credit scores in Illinois

Car insurance companies reward drivers who maintain above-average credit. Insurers see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score sits within the "good" tier, your top option for car insurance in Illinois could be Pekin Insurance, offering an average annual rate of $727. If your credit score is in the “excellent” range, Pekin Insurance could be the best option. Pekin Insurance's prices for clients who have credit scores of 800 or better are $460 per year cheaper than average rates for drivers with excellent credit in Illinois.

Find below a breakdown of auto insurance rates in Illinois for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN ILLINOIS
Insurance CompanyAvg. Annual Auto Insurance Rate
Pekin Insurance$727
SECURA Insurance$991
Rockford Mutual Insurance$1,036
State Farm$1,055
Encompass$1,099
Utica National Ins Group$1,100
Grange Mutual$1,120
Nationwide$1,238

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN ILLINOIS
Insurance CompanyAvg. Annual Auto Insurance Rate
Pekin Insurance$649
State Farm$931
SECURA Insurance$966
Rockford Mutual Insurance$1,012
Utica National Ins Group$1,066
Grange Mutual$1,069
Encompass$1,078
Progressive$1,174

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN ILLINOIS
Insurance CompanyAvg. Annual Auto Insurance Rate
Pekin Insurance$577
State Farm$823
SECURA Insurance$939
Rockford Mutual Insurance$963
Progressive$999
Grange Mutual$1,000
Utica National Ins Group$1,012
Encompass$1,033

Compare rates from top companies!

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Car insurance for occasional drivers in Illinois

The fewer miles you drive, the less likely you are to be involved in a collision. That’s the logic auto insurance companies use to charge infrequent drivers less. If you stay within the threshold of 7,500 miles per year or fewer, you could save money on car insurance. Exactly how much you can save by driving fewer miles comes down to your insurance company's pricing practices.

If you're an Illinois resident who doesn't rack up major mileage, consider Pekin Insurance, which offers average annual savings of $416 for low-mileage drivers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN ILLINOIS
Insurance CompanyAvg. Annual Auto Insurance Rate
Pekin Insurance$602
State Farm$952
SECURA Insurance$967
Rockford Mutual Insurance$1,036
Encompass$1,099
Utica National Ins Group$1,100
Grange Mutual$1,120
21st Century$1,130

Start your search today — compare rates now!

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Insurance rates for good drivers in Illinois — by city

Auto insurance rates don't depend only on the state in which a driver resides — their city matters, too. Car insurance companies price policies by the driver’s home ZIP code, adjusting rates for the risk levels associated with various regions.

Find below a summary of car insurance rates for drivers with positive rating factors in the biggest cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Aurora$1,600$1,600$1,449$1,281$1,588
Naperville$1,612$1,612$1,461$1,291$1,617
Rockford$1,658$1,658$1,503$1,332$1,625
Joliet$1,784$1,784$1,618$1,432$1,782
Chicago$2,185$2,185$1,985$1,761$2,197

Find an affordable policy today!

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