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Cheap Car Insurance in Illinois (2022)

Drivers in Illinois pay rates starting at $73/mo. for full-coverage car insurance.

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Katie Powers
Written by
Katie Powers
Photo of an Insurify author
Written by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
Tanveen Vohra
Edited by
Tanveen Vohra
Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.

Updated November 25, 2022

Car Insurance in Illinois

Illinois may be well known as the home of Chicago, but many Prairie State drivers can likely avoid paying big-city car insurance rates. In fact, Illinois drivers pay an average of $176 per month for car insurance — $57 less than the national monthly average rate of $233. Those rates make Illinois the 16th-cheapest state for buying car insurance.

If you live in Illinois, comparison shopping online can allow you to find very cheap car insurance. To compare quotes, you’ll need to provide your ZIP code, driving record, and vehicle type.

Quick Facts

  • The average cost of car insurance in Illinois is $176/mo.

  • State Farm is the cheapest top provider in Illinois, with average rates of $73/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Illinois: State Farm

1
State Farm logo

State Farm

Average Monthly Cost:
$73
Insurify Composite Score:
88

Illinois auto insurance rates come in much lower than the national average, which means Illinois drivers often score affordable premiums. With an average premium of $111 per month, Travelers offers the cheapest car insurance from a top provider in Illinois. Rates vary by auto insurer due to different methodologies when calculating auto insurance premiums.

Car Insurance CompanyInsurify Composite ScoreAverage Monthly Quote
State Farm88$73
GEICO88$100
Travelers80$111
USAA96$120
American Family89$130
Mile AutoN/A$86
Erie85$108
SafeAutoN/A$109
StillwaterN/A$112
Kemper PreferredN/A$125
National General58$126
Kemper SpecialtyN/A$130
ProgressiveN/A$143
Clearcover97$146
ElephantN/A$146
Nationwide89$160
Safeco86$154
Direct AutoN/A$164
Farmers85$172
MercuryN/A$172
Midvale Home & AutoN/A$183
Foremost SignatureN/A$188
Allstate85$192
Liberty Mutual82$201
DairylandN/A$242
State Auto76$247
Bristol WestN/A$254
Freedom NationalN/A$303
The GeneralN/A$307
KemperN/A$308

Amica

N/A

$394

Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

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

What to know about minimum car insurance requirements in Illinois

Like most states, Illinois requires drivers to insure any motor vehicle they operate or park on a state roadway. You’ll also need to carry proof of insurance in your car at all times and be able to present it when a law enforcement officer requests it, you renew your vehicle registration, or your car is involved in an accident.

The minimum liability insurance requirements for private passenger vehicles in Illinois are:

  • $25,000 per person and $50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Illinois is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $20,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $50,000 per accident for uninsured motorist bodily injury, $15,000 per accident for uninsured motorist property damage, and $50,000 per accident for underinsured motorist bodily injury: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Illinois, drivers are required to purchase coverage for both uninsured and underinsured drivers for property damage and bodily injury.

Illinois DMV information

The Illinois Department of Motor Vehicles through the Office of 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 by city location in Illinois. The Chicago Transit Authority (CTA) is the country’s second-largest public transportation system, and solid transportation options also exist for people in other cities like Bloomington, Champaign, Peoria, and Rock Island. People in Illinois also have access to the Metra commuter rail and the Pace suburban bus agency.

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Tips for getting cheap car insurance in Illinois

Comparison shopping for anything — including car insurance — is always a good way to get the best deal for your money. Online tools like Insurify allow you to easily compare quotes from numerous top providers available in your area after entering your ZIP code and specific driver, vehicle, and insurance information.

Adjusting your coverage limits, foregoing extras like towing or rental car coverage, and looking for discounts can also help reduce the cost of car insurance.

Liability-only vs. full-coverage insurance in Illinois

If you live in Illinois, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Illinois by policy type.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
American Family$73$130
GEICO$56$100
Progressive$80$143
State Farm$41$73
USAA$67$120
Allstate$107$192
Amica$220$394
Bristol West$254$254
Clearcover$111$146
Dairyland$135$242
Direct Auto$134$164
Elephant$109$146
Erie$60$108
Farmers$96$172
Foremost Signature$121$188
Freedom National$132$303
Kemper$136$308
Kemper Preferred$71$125
Kemper Specialty$77$130
Liberty Mutual$138$201
Mercury$120$172
Midvale Home & Auto$109$183
Mile Auto$85$86
National General$95$126
Nationwide$159$160
SafeAuto$139$109
Safeco$82$154
State Auto$97$247
Stillwater$80$112
The General$186$307
Travelers$82$111
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your driving history affects Illinois car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Illinois. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Illinois based on driving and accident history.

See More: High-Risk Car Insurance Illinois

Car Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
American Family$129$153$106$127
Farmers$107$127$88$105
Progressive$142$168$117$139
State Farm$99$117$82$97
USAA$72$85$59$71
Allstate$190$225$157$186
Amica$391$463$322$383
Bristol West$243$307$192$277
Clearcover$138$184N/A$160
Dairyland$231$304$205$271
Direct Auto$147$231$133$211
Elephant$138$167$160$169
Erie$312$369$257$305
Foremost Signature$186$165$123N/A
Freedom National$283$397$367$402
GEICO$171$202$141$167
Kemper$289$344$179$298
Kemper Preferred$119$125N/A$136
Kemper Specialty$121$164$119$143
Liberty Mutual$199$215$149$206
Mercury$159$228$197$214
Midvale Home & Auto$159$232$242$249
Mile Auto$83$110$90$94
National General$117$176$127$144
Nationwide$145$200$200$216
SafeAuto$111$101$101$110
Safeco$143$187$124$182
State Auto$205$377N/A$372
Stillwater$106N/AN/A$142
The General$288$385$298$382
Travelers$108$109$146$134
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Car Insurance Illinois

SR-22 insurance in Illinois

If you’ve had a conviction for a DUI, reckless driving, or an accident while uninsured, you may need an SR-22. This is a form proving your car insurance meets the state’s minimum coverage limits that you need to file in your state through your insurance provider. The following auto insurance companies offer SR-22s in the state of Illinois.

How credit scores affect Illinois car insurance quotes

It might surprise you to know that your credit score affects your auto insurance premiums in Illinois, as the state allows insurers to use it as a factor. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

Credit TierAverage Monthly Quote
Excellent$146
Good$172
Average$189
Poor$293
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Bad Credit Car Insurance Illinois

How your city affects Illinois insurance quotes

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. Illinois cities with the highest average quotes include Chicago, Skokie, Champaign, and East Saint Louis. Cheaper cities include Palatine, Decatur, and Aurora.

CityAverage Monthly Quote
Arlington Heights$171
Aurora$157
Belleville$193
Bolingbrook$176
Bloomington$136
Cicero$190
Champaign$217
Chicago$204
Decatur$154
East Saint Louis$266
Elgin$169
Joliet$200
Naperville$158
Palatine$132
Peoria$162
Rockford$157
Skokie$208
Springfield$174
Schaumburg$191
Waukegan$188
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your age affects your Illinois car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Age GroupAverage Monthly Rate
Teenagers$367
Under 25$216
20s$163
30s$158
40s$140
50s$111
60s$108
70s$116
80+$182
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for younger drivers

Statistically, younger drivers are more likely to get into accidents, which is why they typically pay significantly higher insurance rates. 

Preventable infractions, like driving under the influence, can cause rates to more than double for younger drivers. For example, a driver under 25 who buys a liability-only policy from Travelers could see their premium rise by 145% with a DUI on their driving record.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
National General$133$171$201$324
Progressive$109$181N/AN/A
Travelers$108$131$129$265
Bristol West$267$331$377$651
Clearcover$143$186$208$368
Dairyland$182$300$325$585
Direct Auto$183$222$274$402
Elephant$122$168$178$328
Foremost SignatureN/A$238$238N/A
Freedom National$171$410$460$764
Kemper$193$396$455$752
Kemper Preferred$86$149$154$287
Kemper Specialty$98$159$194$302
Liberty Mutual$199$278$278$575
Mercury$163$228$249$444
Midvale Home & Auto$152$244$293$424
Mile Auto$106$110$113$221
Nationwide$257$204$242$366
SafeAuto$186$140$136$289
Safeco$124$198$227$374
State Auto$136$316$471$503
StillwaterN/A$110N/AN/A
The General$243$384$433$738
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for middle-aged drivers

Drivers older than 25 will typically see their car insurance rates decline, especially if they’ve maintained a clean driving record. In Illinois, drivers who choose liability-only coverage can get a policy for as little as $55 per month.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
National General$55$88N/A$161
Progressive$64$112N/AN/A
Travelers$71$107$101$205
Bristol West$139$203$251$386
Clearcover$90$126$151$237
Dairyland$93$194$234$366
Direct Auto$94$122$152$229
Elephant$100$134$159$251
Foremost Signature$88$180N/A$356
Freedom National$102$234$253$460
Kemper$89$236N/A$428
Kemper Preferred$57$115N/A$225
Kemper Specialty$55$106$132$197
Liberty Mutual$93$155$164$304
Mercury$84$136$176$245
Midvale Home & Auto$87$152$185$273
Mile Auto$66$72$87$139
Nationwide$97$154$175$295
SafeAuto$88$85N/A$171
Safeco$65$137$156$259
State Auto$81$219$321$384
Stillwater$94$106N/A$193
The General$144$262$309$494
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for senior drivers

Senior drivers tend to enjoy the lowest car insurance premiums, although their rates often begin to rise gradually as they grow older. In Illinois, senior drivers with a clean record can get a monthly premium as low as $64 for a full coverage policy from Mile Auto.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Liberty Mutual$79$133$158$247
Progressive$57N/AN/AN/A
Travelers$80$91$97$175
Bristol West$109$171$198$328
Clearcover$79$102$158$169
Dairyland$89$180$225$328
Direct Auto$92$107$137$193
Elephant$90$108$145$191
Foremost Signature$103$159N/A$322
Freedom National$113$266$374$488
Kemper$103$230N/AN/A
Kemper Preferred$75$116$136$223
Kemper Specialty$60$109$145$185
Mercury$83$113$173$187
Midvale Home & Auto$89$131$164$233
Mile Auto$62$64$101$115
National General$50$72N/A$129
Nationwide$123$112$164$199
SafeAuto$100$79$81$159
Safeco$71$117$148$211
State Auto$81$184$334$297
StillwaterN/A$139N/A$278
The General$153$253$346$436
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.


Illinois car insurance FAQs

  • Plenty of providers offer cheap car insurance in Illinois, but State Farm has the cheapest average premiums at $73 per month. Some other top affordable providers include GEICO, Travelers, and American Family.

    Drivers looking for liability-only coverage will find the cheapest rates with State Farm, at $41. GEICO, American Family, and USAA also offer very affordable rates for this coverage. The cheapest car insurance company in Illinois is different for everyone, as rates vary based on many unique factors, so make sure to compare car insurance quotes before buying.

  • Factors like age, location, and driving history can all increase car insurance rates in Illinois. Young drivers, especially teenagers, pay much higher costs than their older counterparts. The average monthly premium for teens in Illinois is $367, while drivers in their 20s pay an average monthly rate of $163.

    Young drivers with an accident on their record pay a monthly average of $268, while middle-aged drivers only pay an average of $188 after an accident. The city you live in will also affect your rates, as insurers deem certain locations to be safer for vehicles. For example, drivers in Springfield pay $30 less on average than drivers in Chicago.

  • The average cost of car insurance in Illinois is $176 per month, or $2,112 per year. However, your rate may vary based on factors like your age, credit score, and driving history. Drivers with clean driving records pay an average of $49 less per month than drivers with an accident on their records. Credit also has a significant impact on rates in Illinois.

    According to Insurify data, average car insurance rates increased by around 12% for drivers in Illinois between July 2021 and July 2022. This trend is fairly consistent across the country because of market conditions. Factors related to the pandemic and extreme weather conditions, like supply chain issues, increase rates across multiple auto insurance providers.


  • Insurify looked at various factors, including customer satisfaction, industry ratings, average rates, and our Insurify Composite Score to determine the best car insurance companies in Illinois. Based on these factors, State Farm, GEICO, and USAA are the three best providers in the state.

    State Farm offers low average monthly rates of $73 and boasts an A++ rating from A.M. Best. GEICO policyholders pay $100 per month on average, and the provider has an A++ rating from A.M. Best. USAA offers the highest average monthly rates of the three providers, at $120, and also has an A++ rating from A.M. Best.

  • No, drivers are not required to carry personal injury protection (PIP) coverage in Illinois. In the event of an accident, PIP coverage covers the costs of medical injuries for drivers and passengers alike, no matter who is at fault.

    PIP coverage is typically required in no-fault states, where drivers must use their own car insurance coverage after an accident, even if they aren’t at fault. Illinois, however, is an at-fault state, which means that the driver who caused the accident must cover any medical costs for the other driver.

  • Yes, car insurance is required in Illinois. All drivers are required to have the state’s minimum liability insurance to drive legally, including:

    • $25,000 per person and $50,000 per accident for bodily injury liability

    • $20,000 per person for property damage

    • $25,000 per person and $50,000 per accident uninsured motorist bodily injury coverage

    This last type of insurance covers bodily injury expenses for you and other drivers on the policy in an accident caused by an uninsured driver.

  • In Illinois, like in most other states, insurance follows the car rather than the driver. If you were to lend your car to your friend and they got into an accident, your insurance would usually kick in first. However, if the damages exceed your limits, then the driver’s insurance will typically be used next.

    Every insurance policy is different, and some may cover more or less than you’d expect, so make sure to understand the specifics of your insurance policy before letting someone else drive your car. It’s also important to confirm that whoever you lend your vehicle to has insurance before they get behind the wheel.

  • Full-coverage car insurance includes much more coverage than the minimum liability coverage required by Illinois. Full-coverage policies include liability insurance, comprehensive coverage, and collision coverage. Comprehensive coverage protects against damages caused by things like vandalism and weather, while collision coverage protects against costs from car accidents.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Katie Powers
Written by
Katie Powers
Linkedin

Insurance Writer

Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

Learn More
Tanveen Vohra
Edited by
Tanveen Vohra
Linkedin

Editorial Manager

Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.