Cheapest Auto Insurance in Illinois (2024)

Auto-Owners offers the cheapest car insurance rates in Illinois, at $27 for liability-only coverage.

Janet Berry-Johnson
Janet Berry-Johnson
  • 8+ years writing about insurance, taxes, and personal finance

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Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.

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Edited byDanny Smith
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Danny Smith
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  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated June 13, 2024

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Cheapest recent rates in Illinois

Recent Illinois car insurance prices for Chevrolet, Dodge, Toyota , and more.

*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

With an average monthly cost of $132, Illinois drivers have relatively affordable car insurance compared to many other states in the U.S. It’s a good bit cheaper than the national average of $160 per month.

Many factors can affect your car insurance rates, but you have ways to find the cheapest auto insurance in Illinois. The best way to find cheap coverage is to compare car insurance quotes from multiple companies.

Quick Facts
  • Illinois drivers pay $79 per month for liability coverage and $185 for full-coverage insurance, on average.

  • The annual average for car insurance in Illinois is $1,588.

  • Auto-Owners, State Farm, and GEICO offer the cheapest car insurance in Illinois.

Cheapest car insurance companies in Illinois

While the average cost of car insurance in Illinois is favorable, the company offering the best deal for you might differ based on your specific situation. Whether it’s your driving record, the type of car you own, or even your age, various factors influence the rate you’ll pay.

Below is a table showing some of the cheapest car insurance companies in Illinois for 2023, based on Insurify data.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Auto-Owners4.3$44$27Cheap rates
State Farm4.6$48$29Teen drivers
USAA4.7$78$48Military members, veterans, and their families
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$27/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$44/mo

Auto-Owners consistently offers some of the most competitive rates in Illinois, ensuring drivers get maximum value for their premiums. The company has an A++ (Superior) financial strength rating from AM Best, so you can trust it has the financial stability to pay out claims.

Pros
  • Excellent customer service

  • Comprehensive discount options

  • Broad network of local agents

Cons
  • Quotes not available online

  • Not available in every state

  • Limited coverage options compared to some major insurers

Read our Auto-Owners review
Thomas - June 12, 2024
Verified

Good Customer Service

The service is very good. They offer a one-year policy and a discount for paying in full. However, the price is too high.

Martine - June 7, 2024
Verified

Poor Customer Service

The customer service is poor, I would recommend staying away.

Jack - June 4, 2024
Verified

Auto Owners has always been good!

I really like the agent. We primarily communicated via email. She was always great to work with.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$29/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$48/mo

State Farm is one of the most recognized insurance companies in the country. Founded in 1922, the company offers a diverse range of insurance policies and financial products. State Farm particularly shines in its offerings for teen drivers, with tailored packages and discounts to make the insurance experience seamless for teens and their parents or guardians.

Pros
  • Steer Clear program helps drivers younger than 25 save

  • Good student discount of up to 25%

  • Wide network of agents

Cons
  • Higher base rates than some other insurers

  • Gap insurance not available

  • Doesn’t offer accident forgiveness

Read our State Farm review
Laudita - June 13, 2024
Verified

No Consideration at All, They Don't Care About the Years Spent With Them

They doubled my insurance premium without any reason. I haven't had an accident in the last 10 years.

Luisa - June 13, 2024
Verified

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

Daniel - June 13, 2024
Verified

Excellent

I have no complaints. It has been very good.

Best insurer for military members, veterans, and their families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
891
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$48/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$78/mo

USAA offers a variety of insurance policies for military members, veterans, and their families and is a relatively affordable option for car insurance in Illinois, where nearly 7% of the population are veterans.[1]

Pros
  • Expansive digital options for policy management

  • Available in all 50 states

  • Usage-based insurance options

Cons
  • Not available to all drivers

  • Limited agent network

  • Coverage limitations compared to other insurers

Read our USAA review
Dorothy - June 13, 2024
Verified

Price

It's a good company, but the price increases every year.

Steven - June 13, 2024
Verified

Hopeless

I am a disabled veteran. I lost my phone and got a new number. I needed to adjust my policy and had forgotten my old phone number and password codes. They would not allow access to my account to make changes. It became a nightmare. Otherwise, they are a good company.

Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

How to get the cheapest car insurance in Illinois

Insurance companies use a variety of factors to determine car insurance premiums, ranging from age and driving history to the make and model of your vehicle. Understanding what influences your rate is the first step toward snagging the best deal.

Here are a few tips for finding cheap car insurance in Illinois:

  • Bundle policies. Many insurance companies offer discounts if you bundle your auto insurance with other policies such as homeowners, renters, or life insurance.

  • Drive a safe and affordable vehicle. High-end vehicles, sports cars, and those with poor safety ratings typically cost more to insure.

  • Keep a clean driving record. Safe drivers who avoid accidents and traffic violations are often rewarded with lower rates and discounts.

  • Compare quotes. Don’t settle for the first quote you get. Different insurance companies focus on different rating factors and offer different discounts, so it’s worth it to get multiple quotes and compare.

Find Cheap Car Insurance in Illinois

Rates start at $27 per month for liability coverage

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Cheapest liability-only car insurance in Illinois: Auto-Owners

Liability-only car insurance is a type of policy that covers damages you cause to other people and their property in an accident. It’s the most basic form of auto insurance and the minimum coverage required to operate a vehicle in most states.

The cheapest insurer for liability-only car insurance in Illinois is Auto-Owners, with a rate of $27 per month.

For Illinois residents seeking cheap liability-only car insurance, the table below provides several companies offering the lowest rates.

10 cheapest insurers for liability-only

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Illinois: Auto-Owners

Full-coverage car insurance offers broader coverage than liability-only car insurance. In addition to bodily injury and property damage liability, it includes collision coverage, which pays for damage to your car resulting from a collision, and comprehensive coverage, which pays for damage to your car from non-collision-related events, such as theft, vandalism, and natural disasters.

While liability-only car insurance is less expensive than full-coverage car insurance, full coverage is ideal for:

  • Drivers with newer or more valuable vehicles where repair and replacement costs would be high

  • Drivers with auto loans or leases, as lenders typically require full coverage

  • Drivers who want peace of mind knowing they’re covered for a broader range of incidents

Auto-Owners offers the cheapest full-coverage insurance in Ohio, with a monthly cost of $44.

For drivers who want full coverage, here’s a look at some top companies offering competitive rates.

10 cheapest insurers for full coverage

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates in Illinois

Recent Illinois car insurance prices for KIA, Chevrolet, Ford , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Illinois

In Illinois, drivers are required to carry certain minimum amounts of car insurance to legally operate a vehicle:[2]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$20,000 per accident

Drivers who want more protection can usually purchase higher bodily injury and property damage liability limits and should consider the following additional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    In the event of a collision with another vehicle or object, collision coverage kicks in to pay for vehicle repair or replacement.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage offers coverage from theft and damage from non-collision-related events, like fire, flood, hail, or a falling tree.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage provides protection if you’re involved in an accident with a driver who doesn’t have insurance or whose insurance doesn’t cover all the damages they’re responsible for.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments covers medical expenses for you and your passengers after an accident, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    This pays for the cost of a rental car while your vehicle is being repaired after a covered claim.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and labor coverage

    This covers the cost of towing and essential labor (like a tire change or jump-start) if your car breaks down. 

Illinois Auto Insurance Plan

illustration card https://a.storyblok.com/f/162273/150x150/e6724dbabb/states_illinois.svg

ILAIP

Illinois drivers who can’t find auto insurance elsewhere due to their driving record or the type of vehicle they own may be able to find coverage through the Illinois Auto Insurance Plan (ILAIP).

To participate in the program, Illinois residents must show that they’ve tried and failed to obtain automobile insurance through traditional means within the past 60 days and have a valid driver’s license and a safe vehicle.[3]

Cheapest car insurance for drivers with an incident

An incident in the context of car insurance refers to at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations that indicate a potential risk to insurance companies.

Insurance companies base rates on risk, and drivers with more incidents on their record are statistically more likely to be involved in future accidents and have claims. Therefore, if you have incidents on your driving record, you’ll likely pay more for car insurance than drivers with clean records.

However, some insurers still offer favorable rates to drivers with imperfect records.

Shop for Car Insurance in Illinois

Monthly rates start at $35 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Speeding tickets are one of the most common traffic violations drivers face, so, while it might not seem like a big deal, it can still affect your car insurance rates. Insurers consider drivers who speed risky, as they’re more likely to be involved in accidents. Insurance companies see this increased risk and adjust rates accordingly.

Illinois drivers with a past speeding ticket pay an average of $194 per month for car insurance. The table below shows the cheapest car insurance companies for Illinois drivers with a speeding ticket.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners$27$36
State Farm$29$38
GEICO$39$51
Hugo$39$54
COUNTRY Financial$41$55
Erie$45$61
Mile Auto$46$65
USAA$48$63
American Family$52$68
Mercury$57$80
Nationwide$61$81
Travelers$65$86
Direct Auto$66$88
Safeco$68$91
Clearcover$69$92
Farmers$70$92
Allstate$73$96
National General$78$101
State Auto$85$121
Dairyland$86$114
Midvale Home & Auto$86$117
Elephant$90$131
GAINSCO$90$131
The General$95$127
Liberty Mutual$104$151
Bristol West$105$137
Foremost$141$204
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Being involved in a car accident can be a distressing experience. When you’re deemed to be “at fault” for the accident, it implies you were primarily responsible. That can affect your car insurance premiums because it signals to insurance companies that you engaged in behavior — intentionally or not — that resulted in a claim.

Insurance companies anticipate future risks based on past events, so an at-fault accident can lead them to increase your premiums to account for potential future claims.

On average, Illinois drivers with a past at-fault accident pay $203 per month for auto coverage. The following table shows the cheapest car insurance companies for Illinois drivers with an at-fault accident on their driving record.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Accident
Auto-Owners$27$37
State Farm$29$40
GEICO$39$54
Hugo$39$53
COUNTRY Financial$41$59
Erie$45$64
Mile Auto$46$69
USAA$48$67
American Family$52$72
Mercury$57$84
Nationwide$61$85
Travelers$65$91
Direct Auto$66$94
Safeco$68$92
Clearcover$69$102
Farmers$70$97
Allstate$73$101
National General$78$108
State Auto$85$129
Dairyland$86$119
Midvale Home & Auto$86$126
Elephant$90$123
GAINSCO$90$121
The General$95$134
Liberty Mutual$104$157
Bristol West$105$144
Foremost$141$213
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Driving under the influence (DUI) of alcohol or drugs is a serious offense and can lead to a substantial increase in your car insurance rates. A DUI indicates high-risk behavior to insurance companies, so having one on your record can affect your insurance rates for several years.

The overall average cost of insurance for a driver with a past DUI in Illinois is $229 per month. The table below shows the car insurance companies offering the most affordable rates for drivers in Illinois with a DUI.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith DUI
Auto-Owners$27$46
State Farm$29$50
GEICO$39$67
Hugo$39$67
COUNTRY Financial$41$70
Erie$45$77
Mile Auto$46$72
USAA$48$82
American Family$52$89
Mercury$57$88
Nationwide$61$104
Travelers$65$111
Direct Auto$66$113
Safeco$68$116
Clearcover$69$118
Farmers$70$120
Allstate$73$125
National General$78$134
State Auto$85$145
Dairyland$86$147
Midvale Home & Auto$86$147
Elephant$90$154
GAINSCO$90$154
The General$95$163
Liberty Mutual$104$178
Bristol West$105$180
Foremost$141$241
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Your age has a significant effect on your car insurance rates. Premiums tend to decrease for drivers around the age of 35, when drivers have amassed considerable driving experience and often have a level of maturity that leads to safer driving habits.

However, at around age 70, car insurance rates typically increase due to a rise in accident rates for drivers 70 and older. On average, senior drivers pay $93 per month for car insurance.

The table below shows insurance companies offering the cheapest car insurance for seniors in Illinois.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$19$32
State Farm$21$34
Hugo$26$56
GEICO$29$47
COUNTRY Financial$30$49
Erie$31$50
Mile Auto$32$47
USAA$35$57
American Family$37$60
Mercury$39$64
Nationwide$42$73
Direct Auto$47$99
Travelers$47$77
Farmers$50$81
Clearcover$51$81
Safeco$51$72
Allstate$54$88
National General$58$118
State Auto$60$111
Midvale Home & Auto$60$90
Dairyland$63$174
Elephant$65$120
GAINSCO$68$158
The General$72$195
Liberty Mutual$76$127
Bristol West$78$191
Foremost$101$231
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Being a teenager comes with many exciting firsts, including getting behind the wheel of a car. However, with this newfound freedom comes expensive car insurance premiums. Teen drivers can keep car insurance affordable by staying on their parents’ insurance, driving a safe car, and taking advantage of good student discounts.

Teenagers in Illinois pay $233 per month for car insurance, on average. For those eager young drivers and parents looking for the best insurance deals, here’s a look at some top contenders.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$46$75
State Farm$49$80
COUNTRY Financial$60$97
GEICO$61$100
Hugo$67$147
Erie$75$122
USAA$79$128
Mile Auto$88$130
American Family$90$146
Mercury$103$166
Nationwide$103$179
Travelers$116$189
Direct Auto$119$253
Farmers$122$197
Allstate$126$206
Clearcover$133$212
Safeco$140$198
Dairyland$142$391
National General$145$298
Elephant$147$269
Midvale Home & Auto$148$220
State Auto$149$274
The General$152$413
GAINSCO$159$369
Bristol West$177$435
Liberty Mutual$191$317
Foremost$247$563
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Illinois

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Illinois car insurance quotes by credit tier

In many states, including Illinois, insurance companies consider your credit history when determining your car insurance premiums.[4]

Drivers with excellent or good credit generally file fewer claims, so they pay lower premiums. People with poor credit are statistically more likely to file claims, so insurance companies charge them higher premiums.

For Illinois residents wondering how credit tiers affect their monthly premiums, here’s a snapshot of average rates at different credit tiers.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Illinois car insurance FAQs

Finding the right car insurance can be a challenge. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Illinois.

  • How much is car insurance in Illinois?

    The average cost of car insurance in Illinois is $132 per month. Illinois drivers pay $79 per month for liability coverage and $185 for full coverage. How much you pay for your policy depends on your driving record, age, credit history, and more.

  • Which company has the cheapest car insurance in Illinois?

    Auto-Owners offers the cheapest car insurance in Illinois, with a monthly rate of $27 for liability coverage. State Farm has the second-cheapest liability coverage rate in the state, at $29 per month. GEICO is the third-cheapest Illinois insurer, with a rate of $39 per month for liability coverage.

    You should compare quotes from multiple insurers to find the cheapest car insurance.

  • What are the best car insurance companies in Illinois?

    With an Insurify Quality (IQ) Score of 4.4 out of 5, an AM Best financial strength rating of A++ (Superior), and low average rates, State Farm is the best car insurance company in Illinois. On average, Illinois drivers with coverage from State Farm pay $29 per month for liability and $48 for full coverage.

    Other top insurers include Auto-Owners and USAA.

  • What is the cheapest way to get insurance in Illinois?

    The best way to get cheap car insurance in Illinois is by comparing car insurance quotes from multiple insurance companies. Each insurer weighs driving factors differently, so one may offer cheaper rates than another for the same coverage.

    Maintaining a clean driving record and applying for discounts can also help you keep your car insurance rates low.

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.

chevrolet

Chevrolet Malibu

Most Popular Car in Illinois

#35

State with the Most Speeding Tickets Rank

#46

State with the Moving Violations Rank

#40

State with the Most DUIs Rank

#32

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 #48 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #48
    • Percent of drivers in Illinois with an accident: 5.8%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Illinois is the #40 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #40
    • Percent of drivers in Illinois with a DUI: 1%
  • 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 #25 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #25
    • Percent of drivers in Illinois with a reckless driving offense: 1.3%
  • 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 #27 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #27
    • Percent of drivers in Illinois with a rude driving violation: 1.4%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Illinois is the #35 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #35
    • Percent of drivers in Illinois with a speeding ticket: 7.3%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Illinois is the #46 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #46
    • Percent of drivers in Illinois with a failure to yield violation: 0%
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.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. United States Department of Veterans Affairs. "Illinois."
  2. Illinois Department of Insurance. "Mandatory Vehicle Insurance."
  3. Illinois Department of Insurance. "Auto Insurance Shopping Guide."
  4. Illinois Department of Insurance. "Credit - How Insurers Use It."
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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