Cheap Auto Insurance in Illinois (2023)

Auto-Owners offers the cheapest car insurance rates in Illinois, starting at $29 for liability-only coverage.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxManaging Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 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 October 1, 2023

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Car insurance costs Illinois drivers, on average, $151 per month for full coverage and $76 for liability-only policies. By comparison, the national averages for full coverage and liability only are $205 and $103, respectively.

Illinois' state-wide exposure to extreme weather conditions and number of cities with high population densities likely contribute to its car insurance costs. What's more, the state's higher-than-average number of uninsured drivers and high rates of motor vehicle theft may also be factors in the comparatively higher car insurance rates Illinois drivers face.

Auto-Owners, State Farm, and Hugo offer the cheapest car insurance in the Prairie State, which liability rates ranging from $29 to $41 per month. But Illinois drivers may find cheaper car insurance rates by comparing quotes from multiple companies.

Best car insurance companies in Illinois

Finding the best auto insurance for you means comparing quotes, coverage levels, discounts, and customer service pros and cons from both regional and national insurers. For most drivers, the “best” company isn’t the cheapest or the largest but the one that most accurately meets their coverage needs and budget.

Find Car Insurance in Illinois

Rates start at $29/mo. for liability coverage

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Based on 3,806+ reviews
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ProgressiveLiberty MutualTravelers
Insurance CompanyBest ForAverage Monthly Quote: Liability OnlyIQ 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.
USAAOverall$524.3
Auto-Owners Low rates$294.0
ClearcoverAffordability$753.1
TravelersFull coverage$714.2
SafecoCommuters$553.6
ErieFamilies$484.4
State FarmStudents$324.4
MercuryRideshare drivers$623.5
GEICOBusiness owners$424.2
The GeneralHigh-risk drivers$1003.4
HugoTemporary car insurance$413.0
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.

Best car insurance overall: 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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$92/mo

USAA has an Insurify Quality (IQ) Score of 4.5 out of 5, a high A.M. Best rating, and some of the lowest average premiums in Illinois. Offering a variety of insurance products and discounts, USAA is a great option for auto insurance, though it’s only available to members of the U.S. Armed Forces and their families.

Drivers insured with USAA pay an average of $94 per month for liability-only coverage.

Pros
  • Lower premium averages than many competitors

  • A.M. Best rating of A++ (Superior)

  • Homeowners insurance and investment help available

Cons
  • Available only to U.S. military members and their families

  • 24/7 live customer service not available

  • Rideshare coverage not available

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023
Verified

They Serve The Veteran.

Jack - September 7, 2023
Verified

Raised rates nearly 43%.

Jan - June 19, 2023
Verified
Read our USAA review

Best cheap car insurance in Illinois: Clearcover

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.
3.1
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
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.
$74/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.
$106/mo

Clearcover is a tech-focused car insurance company that’s relatively new in the industry and only available in certain states. But drivers who prefer using an app-based claims service can receive payouts in as little as 10 minutes.

Drivers insured with Clearcover pay an average of $111 per month for liability-only coverage.

Pros
  • Quick payout of qualified claims

  • A+ Better Business Bureau (BBB) rating

  • 24/7 customer service via mobile app

Cons
  • Tech-based focus might not appeal to all users

  • Offers only car insurance

  • No physical locations in the U.S.

I filed a claim with Clearcover last year, and they haven't paid it. Now my policy has gone up by $40 per month.

Catherine - January 14, 2023
Verified

Great service, low price, very helpful staff

Jack - September 12, 2022
Verified

The price was right, but only lasted for six months

Kelvin - September 3, 2022
Verified
Read our Clearcover review

Most affordable car insurance in Illinois: 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.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$53/mo

Auto-Owners has the lowest average premium rates in Illinois, according to Insurify data. This insurer is a great option for cheap car insurance thanks to its IQ Score of 4.1 and A+ BBB rating.

Drivers insured with Auto-Owners pay an average of $106 per month for full coverage.

Pros
  • Lowest average premium rates in Illinois

  • Offers a variety of discounts for all ages

  • AM Best rating of A++ (Superior)

Cons
  • Low customer review ratings (1.38 out of 5 stars) on the BBB website

  • Not available in all states

  • Must utilize independent agents for claims, payment, and policy information

I’ve had no problems with them, and they’re cheaper than any other insurer for the coverage I have.

Dean - April 26, 2019
Verified

Good customer service

Debora - February 12, 2019
Verified

Their staff is always friendly, they answer all my questions, and I may stay with them. Regardless, I’m researching other options because my rates are so high due to two accidents in 2016.

Dixie - February 12, 2018
Verified
Read our Auto-Owners review

Best for full coverage: Travelers

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.
829
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.
$71/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.
$109/mo

Travelers is a well-known national insurer with more than 150 years of industry experience. It offers some of the lowest rates on average in Illinois and has extensive coverage options for drivers who need as much coverage as possible, including rideshare coverage and named nonowner coverage. But the company does have lower-than-average customer satisfaction ratings, according to the J.D. Power 2022 U.S. Auto Insurance Study.

Illinois drivers insured with Travelers pay an average of $71 per month for liability-only coverage and $109 per month for full-coverage policies — much lower than the state average of $165.

Pros
  • Extensive coverage options available

  • Lower premium averages than competitors

  • Numerous discounts available

Cons
  • Lower-than-average J.D. Power customer satisfaction scores

  • No mileage-based discounts

  • No mention of SR-22 filings on its website

They have the lowest rates I could find.

Elise - September 11, 2023
Verified

They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.

Albert - September 6, 2023
Verified

Good service.

Jorge - September 4, 2023
Verified
Read our Travelers review

Best for commuters: Safeco

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.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
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.
$55/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.
$116/mo

With customizable coverage options to fit your needs, commuters can find a number of advantages with a Safeco auto policy. Though the company has lower-than-average rates, it does have a below-average J.D. Power customer satisfaction score and limited discounts available.

Drivers insured with Safeco pay an average of $55 per month for liability-only coverage and $116 for full coverage.

Pros
  • Backed by Liberty Mutual

  • A.M. Best rating of A (Excellent)

  • Offers a diminishing deductible for maintaining a clean driving record

Cons
  • Low customer review rating (1.1 out of 5 stars) on BBB website and not BBB accredited

  • Limited discounts available

  • Below-average J.D. Power customer satisfaction score

Good company but still kind of expensive

Pennie - February 8, 2023
Verified

No issues with them, but I do wish it was less expensive.

Angelica - January 21, 2023
Verified

Best insurance I’ve ever had

Brent - January 20, 2023
Verified
Read our Safeco review

Best for families: Erie

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.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
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.
$49/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.
$87/mo

Erie is limited to only 13 states, though families searching for lower-than-average premiums and multiple discounts should get a quote from this insurer. The company offers discounts that are applicable to many members of the family, like first accident forgiveness, multi-policy, youthful driver, college student, and safety savings.

Pros
  • Family-focused discounts

  • Offers pet and personal item coverage for auto accidents

  • AM Best rating of A+ (Superior)

Cons
  • Not available in all states

  • No online claim service available

  • Coverages and discounts not available in all states

Over the years, they have always gone over and above what I would have expected. They are fair and prompt in customer service issues. They have always tailored my policy to meet my needs at a very fair price.

linda - August 9, 2023
Verified

My agent was always there for me.

Dinah - December 4, 2022
Verified

They treat me well.

Jordan - October 25, 2022
Verified
Read our Erie Insurance review

Best for students: 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.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$57/mo

Not only will students appreciate State Farm’s low average premiums, they’ll also find its Steer Clear and teen driver discounts ideal for people younger than 25. State Farm has a century-long history in the industry and the highest financial strength rating from A.M. Best.

Drivers insured with State Farm pay an average of $32 per month for liability-only coverage, and $57 for full coverage.

Pros
  • AM Best rating of A++ (Superior) 

  • Low average premiums compared to other Illinois insurers

  • Discounts for drivers younger than 25 and teen drivers with good grades

Cons
  • Gap insurance not available

  • Fewer discounts overall than some other competitors

  • Low customer reviews (1.2 out of 5 stars) on BBB website

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023
Verified

Premiums jump every six months

Kenneth - January 31, 2023
Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023
Verified
Read our State Farm review

Best for rideshare drivers: Mercury

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.
3.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
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.
$62/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.
$109/mo

Mercury has middle-range average rates, making it an attractive option for drivers comparing multiple insurers side by side. Although it’s only available in 11 states, Mercury offers auto insurance, including ridesharing insurance, as well as other auto products like mechanical protection.

Pros
  • Lower average auto premiums than many other Illinois insurers

  • Rideshare coverage available

  • Good driver and anti-theft feature discounts

Cons
  • Higher-than-average customer complaints, according to National Association of Insurance Commissioners (NAIC) data

  • Available in only 11 states

  • Coverage options and discounts vary by state

Their driving app is a gimmick.

Larry - January 14, 2023
Verified

Good price and great service

Harold - December 31, 2022
Verified

Great service, good rates, nice staff

Debra - November 8, 2022
Verified
Read our Mercury review

Best for business owners: GEICO

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.
835
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.
$42/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.
$76/mo

GEICO is a national insurer, offering multiple insurance products alongside its auto coverage, such as business insurance. Its business insurance includes commercial auto insurance, cyber liability insurance, and more.

GEICO has an IQ Score of 4.3 and offers policyholders a number of discount opportunities. It also has one of the lowest average premium rates in Illinois, according to Insurify data.

Pros
  • AM Best rating of A++ (Superior)

  • Offers business insurance along with auto insurance

  • Auto coverage available in all 50 states

Cons
  • Business coverage provided through partner agencies, not GEICO directly

  • Trustpilot reviews reference poor customer service

  • Gap insurance not available

Good communication

John - February 4, 2023
Verified

They offer the best rate.

Shannon - February 1, 2023
Verified

Any time I called them, they were on top of it and gave me an answer right away.

John - January 31, 2023
Verified
Read our GEICO review

Best for high-risk drivers: The General

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.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
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.
$99/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.
$235/mo

The General has been known for its cheap car insurance since 1965. Though it doesn’t offer extensive coverage options, it provides coverage to drivers with poor driving histories, including those who need SR-22 forms. The General has some of the highest average premium rates and limited discounts compared to competitors.

Pros
  • Facilitates SR-22 insurance form filing

  • Provides coverage for customers with poor driving histories

  • Offers other auto insurance products, like motorcycle and commercial auto insurance

Cons
  • Some of the highest average monthly premiums

  • Limited discounts available

  • Limited coverage options

After one year of no claims or accidents, they raised my rates from $103 to $163 and there was no change in coverage or circumstances.

Lori - January 30, 2023
Verified

They aren’t proactively offering me any way to reduce my cost.

Wale - January 23, 2023
Verified

Lower rates; customer service attentiveness; easy-to-use app

Brian - November 25, 2022
Verified
Read our The General review

Best for temporary car insurance: Hugo

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.
3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
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.
$41/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.
$80/mo

Hugo is a pay-as-you-go car insurance company that offers short-term car insurance in Illinois. Drivers who need temporary car insurance can purchase coverage for as little as three days, or in intervals of seven or 14 days, or one or six months. Three different coverage options allow drivers to choose minimum liability coverage, liability plus medical and accidental death coverage, or full coverage that includes liability, comprehensive, collision, medical, and accidental death coverages.

Pros
  • Multiple options for short-term, pay-as-you-go coverage

  • No down payment and no up-front fees

  • Start and stop coverage via text message

Cons
  • Available in a limited number of states

  • Limited customization options

  • No traditional discounts, like bundling discount

Very helpful in times of need.

Alessandra - July 14, 2023
Verified

I love it.

Jamaica - July 12, 2023
Verified
Read our Hugo review

How Insurify’s experts used internal proprietary data to rate the top auto insurers

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers 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. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service’s database of auto insurance rates.

With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across all driver ages, gender, credit scores, and driver profiles for Illinois drivers.

How to shop for the best car insurance in Illinois

The best way to review multiple insurers is to first identify what factors are important to you. Price, customer service, availability of other insurance products, and the potential for discounts are all important points of consideration.

Keep these factors in mind while comparing:

  • Consider if liability-only or additional coverage is best for you.

  • See if the company offers other forms of insurance, like homeowners insurance, and bundling discounts.

  • Read customer service ratings, including claim service reputation.

  • See if an independent agent or online-only insurer can offer lower rates.

“We recommend consumers shop their insurance coverage at least annually. Auto insurance is the most competitive insurance market in the U.S. Insurers want to grow their market share, and prices can vary greatly between carriers. Get at least three quotes from a mix of national and regional insurers and compare costs and coverage levels,” says Mark Friedlander, corporate communications director for the Insurance Information Institute (III).

Find Car Insurance in Illinois

Unlock savings and discounts when you compare rates with Insurify

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Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

How to get the cheapest car insurance in Illinois

Rates differ between insurers, even if their policies offer the same levels of coverage. Not only may Insurer A be cheaper than Insurer B this year, but because rates change frequently, Insurer B may offer cheaper rates than Insurer A next year.

When searching for the cheapest car insurance in Illinois, use these tips to save as much as possible:[1]

  • Compare quotes from multiple insurers.

  • Review your coverage annually and shop around again if needed.

  • Ask about discounts.

  • Increase your deductible or reduce coverage on older cars.

  • Maintain a good driving and credit history.

Minimum car insurance requirements in Illinois

All states, including Illinois, require drivers to maintain a minimum amount of liability insurance. If you operate or park a motor vehicle on any state roadway, you’re required to provide proof of this insurance if law enforcement requests it. You’ll also need to present it when renewing your registration and if you’re involved in a car accident.

The following table shows the minimum amount of liability insurance required for Illinois drivers.[2]

Coverage TypeAmount
Bodily injury (per person)$25,000 
Bodily injury (per accident)$50,000
Property damage$20,000
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.

Liability-only vs. full-coverage insurance in Illinois

Illinois requires all drivers to maintain a minimum amount of liability insurance, but you may want more coverage than it provides. Liability-only insurance pays for damages and medical expenses for another person or their property when you’re at fault. These rates are typically the lowest, as they maintain the lowest coverage levels — but they don’t cover your expenses.

Some drivers who are budget-conscious or don’t drive often may prefer liability-only insurance. Others will find that purchasing additional policies provides the coverage they need. For instance, collision insurance pays for damages to your vehicle if it hits another vehicle or overturns.

Comprehensive insurance pays for other damages not involving an accident, such as flood, fire, vandalism, and theft. Full coverage includes liability, comprehensive, and collision insurance.[3]

Here’s a look at the cheapest auto insurance in Illinois by policy type. Some insurers, like Auto-Owners, offer monthly rates that are well below the state averages of $151 for full coverage and $76 for liability, which is ideal for budget-conscious drivers. Others, like The General, may be more lenient with the driving records that they accept but have much higher rates than the state average.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
Auto-Owners5329
State Farm5732
Mile Auto6649
GEICO7642
COUNTRY Financial7944
Hugo8041
Erie8749
USAA9252
American Family10056
Clearcover10674
Travelers10971
Mercury10962
Safeco11655
Nationwide11765
Direct Auto12179
Midvale Home & Auto13380
Farmers13576
Elephant14088
Allstate14179
Liberty Mutual14888
GAINSCO15778
Dairyland16175
State Auto18271
Bristol West231106
The General23599
Foremost286127
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.

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Illinois car insurance rates by driving and accident history

Most insurers will reevaluate your premium rates after you file a claim. Many insurers offer programs like “accident forgiveness,” which may help you avoid a raise in rates, but it’s important to understand that any claim you file with your insurer has the potential to increase your rates.[4]

Insurers also look at your driving history when quoting a new premium. Everything from DUI/DWI convictions to at-fault accidents and speeding tickets have the potential to raise your rates. Many of these issues stay on your driving record for up to three years, while some single instances, such as a DUI, may cause an insurer not to renew your policy.

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

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 RecordAt-Fault AccidentWith DUISpeeding Ticket
Auto-Owners27434942
State Farm30475447
Hugo38616960
GEICO39627161
COUNTRY Financial41657464
Mile Auto45738371
Erie45738371
USAA48778876
Safeco51829380
American Family52839482
Mercury579210490
Nationwide609610995
Travelers66105120104
State Auto66105120104
Clearcover68110125108
Dairyland69111126109
Farmers70113128111
GAINSCO72116131114
Direct Auto73117133115
Allstate73117133115
Midvale Home & Auto74119135117
Liberty Mutual81131148128
Elephant81131148128
The General92147167144
Bristol West98157179155
Foremost117188214185
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.

SR-22 insurance in Illinois

An SR-22 is a form that proves your car insurance meets the state’s minimum coverage limits. Certain drivers in Illinois are required to file one through their insurance company if they have safety responsibility suspensions, mandatory insurance supervisions, or have received more than two convictions for mandatory insurance violations, such as:[5]

  • DUI/DWI convictions

  • Multiple traffic violations in a short span

  • Unpaid child support

  • Not maintaining the minimum insurance required

  • Being in an accident or caught driving without having the insurance minimum

  • To reinstate a revoked or suspended license

Insurers that offer SR-22s in Illinois include:

  • Allstate

  • American Family Insurance

  • Country Financial

  • Farmers

  • GEICO

  • Progressive

  • State Farm

  • USAA

Illinois car insurance quotes by credit tier

The majority of states, including Illinois, allow car insurers to use credit-based insurance scores when quoting driver premiums. These scores assess a driver’s credit history, including credit score, to assume their level of responsibility and risk.[6]

Though this is only one of many factors influencing the quote, many insurers tend to favor excellent or good credit scores over poor credit scores. It’s not uncommon for drivers with good credit to pay lower rates than drivers with poor credit.

Car insurance quotes in Illinois cities

Insurance rates always vary by city, sometimes even by ZIP codes within the same city. Rates of vandalism, theft, and accidents can all influence your rate. Keep in mind that these statistics aren’t the only factor in price.[7]

The table below shows the average monthly quotes for Illinois cities. Cities like East Saint Louis are significantly higher, while cities like Decatur are significantly lower.

For instance, Chicago had 98,563 crashes, Decatur had 1,730 crashes, and East St. Louis had 665 crashes in 2021, according to Illinois Department of Transportation data. Decatur had nearly three times as many crashes as East St. Louis, yet Decatur has the lowest rates and East St. Louis has the highest, according to Insurify data.

Least expensive cities in Illinois

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

City NameFull CoverageLiability Only
Decatur12870
Elgin13075
Rockford14070
Waukegan14070
Naperville14369
Springfield14377
Aurora14375
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.

Most expensive cities in Illinois

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

City NameFull CoverageLiability Only
Berwyn14476
Joliet14877
Peoria14875
Cicero17075
Chicago18890
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.

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Illinois car insurance rates by driver age

No matter where you live in the Prairie State, age is an important factor in your car insurance rates. Across the nation, studies have shown that teen drivers are four times more likely to be involved in a crash than drivers older than 20, according to the Insurance Institute for Highway Safety (IIHS).[8] These drivers tend to have the highest average car insurance rates.

Older drivers also have higher rates of car crashes than middle-aged drivers; their rates may be more expensive on average, particularly drivers older than 80.[9]

The table below lists how age can affect insurance rates. You’ll see that Illinois averages follow these national trends: Teenages tend to pay more, premium rates tend to decrease as drivers get older, and rates tend to increase when a driver enters the 80+ category.

Age GroupAverage Monthly Quote
Teenagers$285
Under 25$206
20s$166
30s$146
40s$142
50s$126
60s$121
70s$116
80+$137
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.

Car insurance in Illinois FAQs

As you’re shopping for car insurance in the Prairie State, it’s important to know what the minimum insurance requirements are and what additional coverages you might need. Here’s some additional information to help you in your search.

  • Who has the cheapest car insurance in Illinois?

    Auto-Owners has the cheapest car insurance rates in Illinois, starting at $29 for liability-only coverage and $52 for full coverage. State Farm and Hugo have the second- and third-cheapest rates in Illinois, with liability rates of $32 and $41, respectively.

    Other insurers, including local insurers like Lincoln Insurance Agency, also offer cheap car insurance.

  • What is the required car insurance coverage in Illinois?

    Illinois state law requires each driver to maintain $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage. These coverages pay for damages that you cause another person or piece of property during an at-fault accident. It doesn’t cover damages to you or your vehicle.

    Illinois’s requirements are similar to other states which require the same coverage, but it has fewer requirements than states that require personal injury protection (PIP) insurance.

  • What are the best car insurance companies in Illinois?

    State Farm and Auto-Owners are two of the best car insurance companies in Illinois. Both have higher-than-average J.D. Power customer satisfaction ratings 

    State Farm has average full-coverage rates at $80, while Auto-Owners has average monthly full-coverage premiums of $74. GEICO is another reputable car insurance company in Illinois, with average full-coverage rates of $107 and an A++ rating from A.M. Best.

  • How does credit score affect car insurance premiums in Illinois?

    Insurers can use credit-based insurance scores to price your premiums. This involves assessing your credit history to determine your level of financial risk and responsibility. Generally, drivers with a higher credit score are offered more favorable rates than drivers with lower credit scores.

  • Is Illinois a no-fault state?

    No. Like most states, Illinois is an at-fault state. This means that the driver responsible for the accident is financially responsible for reimbursing the victimized driver or property owner. If you cause an accident, your insurance company is responsible for covering the damages of all parties involved.

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. Insurance Information Institute. "Nine ways to lower your auto insurance costs." Accessed April 17, 2023
  2. Illinois Secretary of State. "Mandatory Vehicle Insurance." Accessed April 17, 2023
  3. Illinois Department of Insurance. "Auto Insurance Definitions." Accessed April 17, 2023
  4. Insurance Information Institute. "Do auto insurance premiums go up after a claim?." Accessed April 17, 2023
  5. Illinois Secretary of State. "Financial Responsibility (SR-22) Insurance." Accessed April 17, 2023
  6. National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed April 17, 2023
  7. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed April 17, 2023
  8. Insurance Institute for Highway Safety. "Teenagers." Accessed April 17, 2023
  9. Insurance Institute for Highway Safety. "Older drivers." Accessed April 17, 2023
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Ashley Cox
Edited byAshley CoxManaging Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxManaging Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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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