8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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.
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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With an average monthly cost of $121, 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 $155 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 $77 per month for liability coverage and $164 for full-coverage insurance, on average.
The annual average for car insurance in Illinois is $1,450.
Auto-Owners, State Farm, and Hugo 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 Company
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.
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.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
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. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
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.
4.1
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.
$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.
$51/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
I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.
Mary - August 13, 2023
Verified
I was dropped because of two minor at-fault accidents in two plus years.
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.
4.4
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.
$32/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.
$55/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
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
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.
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.
$52/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.
$90/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
They are the best in customer service.
Brenda - September 13, 2023
Verified
Overall poor service, took a safe driving discount away because I wasn’t driving enough.
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 $29 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 $29 per month.
For Illinois residents seeking cheap liability-only car insurance, the table below provides several companies offering the lowest rates.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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.
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 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 $51.
For drivers who want full coverage, here’s a look at some top companies offering competitive rates.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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.
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.
Car insurance requirements in Illinois
In Illinois, drivers are required to carry certain minimum amounts of car insurance to legally operate a vehicle:[2]
Drivers who want more protection can usually purchase higher bodily injury and property damage liability limits and should consider the following additional coverages:
Collision coverage
In the event of a collision with another vehicle or object, collision coverage kicks in to pay for vehicle repair or replacement.
Comprehensive coverage
Comprehensive coverage offers coverage from theft and damage from non-collision-related events, like fire, flood, hail, or a falling tree.
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.
Medical payments coverage
Medical payments covers medical expenses for you and your passengers after an accident, regardless of fault.
Rental reimbursement coverage
This pays for the cost of a rental car while your vehicle is being repaired after a covered claim.
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
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.
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Monthly rates start at $40 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 $178 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: Thursday, November 30 at 11:00 AM PST.
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.
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 $182 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: Thursday, November 30 at 11:00 AM PST.
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.
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 $206 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: Thursday, November 30 at 11:00 AM PST.
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.
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 $83 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: Thursday, November 30 at 11:00 AM PST.
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.
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 $212 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: Thursday, November 30 at 11:00 AM PST.
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.
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
Insurify partners with 70+ top insurers for accurate quotes
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Based on 3,806+ reviews
4.8/5
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 $121 per month. Illinois drivers pay $77 per month for liability coverage and $164 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 $29 for liability coverage. State Farm has the second-cheapest liability coverage rate in the state, at $32 per month. Hugo is the third-cheapest Illinois insurer, with a rate of $41 per month for liability coverage.
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 $32 per month for liability and $55 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 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.
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.
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.
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.
Auto-Owners
State Farm
USAA
