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Cheap Car Insurance in Illinois (With Quotes, May 2022)

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Amy Beardsley

By: Amy Beardsley

Edited by Jackie Cohen

Last Updated May 10, 2022

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Quick Facts

  • The average cost of car insurance in Illinois is $180 per month, or $2160 annually.
  • USH&C is the cheapest provider we found in Illinois, with average premiums of $45 per month.
  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Car Insurance in Illinois

With so many insurers and an even greater number of quotes to look through, it’s easy to get overwhelmed when searching for cheap car insurance in Illinois. But finding the best policy and the best price isn’t as tricky or time-consuming as you might think. Learn how to get cheap car insurance in Illinois from some of the top providers in the state.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Cheapest Car Insurance in Illinois

How much is car insurance in Illinois?

The average cost of car insurance in Illinois is $180 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

Illinois car insurance rates come in much lower than the national average. The cheapest auto insurance in Illinois is from USH&C. It has an average monthly quote of just $45 per month.

Car Insurance CompanyAverage Monthly Quote
USH&C$45
Metromile$83
Mile Auto$93
Kemper Specialty$100
Progressive$103
National General$103
SafeAuto$106
Travelers$112
Clearcover$124
Foremost$125
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Cheapest Liability Auto Insurance in Illinois

The state minimum requirement in Illinois is liability insurance coverage. Liability auto insurance covers damages to other people’s property and injuries to other people that are caused by your vehicle. USH&C, Metromile, Kemper Specialty, and Acuity are the cheapest liability auto insurance providers in Illinois, with average rates under $70 per month.

Car Insurance CompanyAverage Monthly Quote
USH&C$45
Metromile$51
Kemper Specialty$64
Acuity$66
Progressive$70
Kemper Preferred$70
Mile Auto$77
National General$77
Travelers$78
Foremost GroupSelect$79
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in Illinois

Full-coverage car insurance isn’t a type of insurance; it’s a combination of insurance products. It typically includes bodily injury liability coverage, property damage liability, comprehensive coverage, and collision coverage. Metromile offers the lowest quote on average, at $90 for a full-coverage policy, while Mile Auto and SafeAuto are priced at $101 and $102, respectively.

Car Insurance CompanyAverage Monthly Quote
Metromile$90
Mile Auto$101
SafeAuto$102
Travelers$119
Progressive$120
National General$121
Kemper Specialty$123
Clearcover$136
Kemper Preferred$141
Direct Auto$144
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Illinois

Insurify’s data dug into the best car insurance companies in Illinois. Based on its ICS, Clearcover came in first place, with a score of 97. Liberty Mutual, National General, Nationwide, and Safeco round out the top five best auto insurance companies in Illinois.

Car Insurance CompanyICSAverage Monthly Quote
Clearcover97$124
Liberty Mutual82$177
National General58$103
Nationwide89$191
Safeco86$142
State Auto76$202
Travelers80$112
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

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Illinois Car Insurance Rates by Driving and Accident History

Several factors affect auto insurance rates. One of the most important is your driving history. Good drivers often pay the lowest car insurance premiums. If your driver profile includes an at-fault accident, speeding ticket, or DUI, your car insurance rates can increase by hundreds or even thousands of dollars per year.

See More: High-Risk Car Insurance Illinois

Cheap Car Insurance for Good Drivers in Illinois

To get cheap car insurance in the state of Illinois, you must be a good driver. In other words, you must have a clean driving record that’s unblemished by accidents, tickets, or other violations. Good drivers tend to pay less for their policies than people with poor driving histories. They also have fewer problems when it comes time to renew their policy.

Car Insurance CompanyAverage Monthly Quote
USH&C$45
Metromile$77
Mile Auto$87
Kemper Specialty$92
National General$95
Progressive$100
SafeAuto$101
Travelers$106
Clearcover$117
Direct Auto$122
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Insurance Illinois

Cheap Car Insurance for Drivers with DUI in Illinois

If you’ve been convicted of a DUI (driving under the influence), your insurance company will likely raise your rates. But there are still ways to find cheap car insurance for drivers with a DUI. Talk to multiple agents and shop around. Look at Kemper Preferred, Progressive, National General, Kemper Specialty, and Mile Auto—all have average monthly quotes under $100.

Car Insurance CompanyAverage Monthly Quote
Kemper Preferred$63
Progressive$79
National General$89
Kemper Specialty$96
Mile Auto$99
Direct Auto$119
GAINSCO$121
First Chicago$127
Travelers$139
Elephant$143
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Bad Credit Car Insurance Illinois

SR-22 Insurance in Illinois

If you’ve had a conviction for DUI, reckless driving, or accident while uninsured, you may need SR-22 insurance. It’s not an actual type of coverage but a form that you file with your state. It proves your car insurance meets the state’s minimum coverage limits, and you can find policies with several insurance providers in Illinois. The following insurance providers offer SR-22 in the state of Illinois:

Cheap Car Insurance for Drivers with an At-Fault Accident in Illinois

If you’ve ever caused an accident, your car insurance rates probably went up. One way to get cheap car insurance if you have been in an at-fault accident is to shop around and find a new company that doesn’t consider past mistakes so heavily. Some more affordable options include Foremost GroupSelect, Metromile, Progressive, and SafeAuto, with rates from $79 to $115.

Car Insurance CompanyAverage Monthly Quote
Foremost GroupSelect$79
Metromile$92
Progressive$101
SafeAuto$115
Mile Auto$116
Travelers$122
National General$135
Kemper Specialty$137
GAINSCO$145
Kemper Preferred$156
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in Illinois

If you’ve been convicted of a speeding ticket, it’s important to know how it might affect your auto insurance premiums—typically, your cost of insurance will go up. For Illinois drivers, the cheapest car insurance, if you have a speeding ticket, is Mile Auto, at $110 per month on average. Metromile, Kemper Specialty, and SafeAuto also come in under $120.

Car Insurance CompanyAverage Monthly Quote
Mile Auto$110
Metromile$112
Kemper Specialty$118
SafeAuto$119
Progressive$120
National General$126
Travelers$135
Clearcover$137
Kemper Preferred$142
GAINSCO$146
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Illinois Car Insurance Rates by Credit Tier

It might surprise you to know that your credit score affects how much you pay for auto insurance. Policyholders with excellent credit can expect to pay an average of $139 per month, while drivers with poor credit will pay $215 on average.

Credit TierAverage Monthly Quote
Excellent$139
Good$148
Average$173
Poor$215
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in Illinois Cities

Insurance rates can vary from city to city, even for drivers with the exact same policies. Drivers in more populated areas and in cities with higher crime rates tend to pay more overall for coverage. For example, the average driver in Chicago pays $180 per month, while Decatur motorists pay $131.

CityAverage Monthly Quote
Chicago$180
Rockford$140
Peoria$139
Springfield$136
Belleville$167
Aurora$159
Joliet$163
Naperville$145
East Saint Louis$198
Decatur$131
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Illinois Car Insurance Rates by Driver Age

It’s easy to save on car insurance if you’re over age 30, but it’s tougher for drivers under 25. New drivers and young drivers, especially teen drivers, tend to make more mistakes and experience more accidents than older drivers. The average monthly rate for teens is $289, while drivers in their 30s typically pay around $140.

Age GroupAverage Monthly Rate
Teenagers$289
Under 25$236
20s$185
30s$140
40s$144
50s$134
60s$119
70s$118
80+$123
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Illinois Driving Facts

Every state has minimum insurance requirements, and Illinois is no exception. Additionally, all drivers in Illinois will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Illinois.

Minimum Car Insurance Requirements in Illinois

Illinois drivers must keep a copy of their insurance card in their vehicle at all times.

If you’re pulled over and you cannot provide proof of insurance, you will be required to provide that proof in court. And you’ll face a $100 fine. There are several important insurance requirements for minimum coverage for Illinois drivers:

  • Bodily injury coverage per person / per accident: $25,000 / $50,000
  • Property damage liability coverage: $20,000
  • Uninsured motorist bodily injury: $20,000/$40,000
  • Uninsured motorist property damage: $15,000 with $250 deductible
  • Underinsured motorist coverage: $25,000/$50,000

Liability insurance coverage is non-negotiable. You can, however, reject uninsured motorist coverage if you want to. You’ll need to do so in writing. Of course, we don’t recommend doing so, especially because an estimated 13.7% of Illinois drivers are uninsured.

Other optional coverages for your auto policy include, of course, comprehensive and collision. Comprehensive coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision.

Collision coverage covers damage to objects and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”

Illinois DMV Information

The Illinois Secretary of State offers many online services for drivers, such as license plate renewal, address change, organ and tissue donor registry, and driver’s license renewals. Additionally, in-person services include title and registration, license plates, driver’s licenses, and state ID cards.

Public Transportation in Illinois

Public transportation varies in Illinois, depending on what part of the state you’re in. Chicago has some of the best public transportation systems in place. Travelers, business people, and resident commuters will enjoy the Chicago Transit Authority system, Metra Commuter Rail, bike lanes, and taxis.

Outside of Chicago, cities like Bloomington, Champaign, Peoria, and Rock Island have larger transit options.

How to Get the Cheapest Car Insurance in Illinois

Many people think that it’s hard to get cheap Illinois auto insurance. There are many factors that can affect how much you pay for your auto insurance policy—the type of car you drive, your driving record, and your age are some of the biggest elements. To find cheap car insurance in Illinois, your best bet is to compare rates from different companies online.

That’s where Insurify comes in. With one simple form, you get multiple quotes from different companies, making it easy to compare prices and policy options. It takes just a few minutes but could save you money on your monthly car insurance bill.

Frequently Asked Questions

  • Yes, all Illinois motorists are required to have minimum liability coverage. However, minimum coverage may not be adequate for your situation. Additional options, such as increasing your liability car insurance protection and adding on comprehensive, collision, or other types of coverage, can better protect you against financial loss.

  • Finding cheap car insurance in Illinois isn’t rocket science. In fact, it’s pretty easy once you know what to look for. Start by using a free price-comparison tool. Then, sort results based on price, coverage amounts, and more. It’s the fastest way to find affordable car insurance.

  • The cost of car insurance in Illinois depends on several factors. Younger drivers, new vehicles, and drivers in large cities typically pay higher car insurance rates. However, lower rates for cheap car insurance in Illinois can start at just $45 per month.

  • Three main factors can drive up your car insurance rates: where you live, your age, and your driving history. For instance, if you live in a high-crime area, your rate may be higher than someone who lives on a quiet suburban street. Also, statistics show that young people tend to be more likely to be involved in accidents, so their rates are usually much higher.

  • No, PIP coverage is not mandatory for Illinois drivers. However, it’s helpful to have—in the event of a car accident, it covers your own medical treatment.

Insurify Insights

How Illinois Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Illinois below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Illinois drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Civic

Most Popular Car in Illinois

#32

State with the Most Speeding Tickets Rank

#41

State with the Moving Violations Rank

#34

State with the Most DUIs Rank

#30

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Illinois is the #39 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #39
    • Percent of drivers in Illinois with an accident: 9.01%
    • Percent of all U.S. drivers with an at-fault accident: 10.18%
    • Drivers in IL who have a current at-fault accident on their driving record pay 32.39% more on average than drivers with a clean record.
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Illinois is the #32 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #32
    • Percent of drivers in Illinois with a speeding ticket: 9.3%
    • Percent of all U.S. drivers with a speeding ticket: 9.18%
    • Drivers in IL with a speeding ticket in their driving history pay on average 26.06% more than drivers with a clean record.
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Illinois is the #34 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #34
    • Percent of drivers in Illinois with a DUI: 1.59%
    • Percent of all U.S. drivers with a DUI: 1.65%
    • Drivers in IL with a DUI in their driving history pay on average 8.45% more than drivers with a clean record.
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Illinois is the #10 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #10
    • Percent of drivers in Illinois with a rude driving violation: 2.52%
    • Percent of all U.S. drivers with a rude driving violation: 1.68%
    • Drivers in IL with a rude driving violation in their driving history pay on average 26.06% more than drivers with a clean record.
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Illinois is the #33 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #33
    • Percent of drivers in Illinois with a reckless driving offense: 0.07%
    • Percent of all U.S. drivers with a reckless driving offense: 0.0949%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Illinois is the #17 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #17
    • Percent of drivers in Illinois with a failure to yield violation: 0.45%
    • Percent of all U.S. drivers with a failure to yield violation: 0.36%
    • Drivers in IL with a failure to yield violation in their driving history pay on average 28.17% more than drivers with a clean record
  • Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Illinois is the #19 state in the country for drivers with a clean record.

    • Rank among states: #19
    • Percent of drivers in Illinois with a clean record: 81.85%
    • Percent of all U.S. drivers with a clean record: 82.17%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Illinois drivers rank #8 in hybrid and electric vehicle ownership across all fifty states.

    • Rank among states: #8
    • Percent of drivers in Illinois with a hybrid/electric vehicle: 1.4%
    • Percent of all U.S. drivers with a hybrid/electric vehicle: 2.4%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Amy Beardsley
Amy Beardsley
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Content Writer at Insurify

Amy is a content marketing writer who specializes in personal finance and technology. With a background in the legal field, she has a talent for transforming complex topics into content that’s easy to understand. When she’s not writing, she enjoys reading and playing board games with her family. You can learn more at amybeardsley.com.

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