Cheapest Car Insurance in Illinois

Here are the cheapest carriers in Illinois for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Illinois.

Companies Quotes
Progressive

Progressive

$39 /mo
State Farm

State Farm

$69 /mo
Nationwide

Nationwide

$89 /mo
Travelers

Travelers

$92 /mo
American Family

American Family

$129 /mo

Best Car Insurance in Illinois

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Illinois.

Companies Insurify
Composite Score
Quotes

American Family

92
$129 /mo

Nationwide

85
$89 /mo

Liberty Mutual

84
$146 /mo

State Farm

84
$69 /mo

Travelers

83
$92 /mo

Progressive

82
$39 /mo

Car Insurance in Illinois

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Illinois to find you the cheapest quotes in each of these metropolitan areas.

A major national and global transportation hub, Chicago (Illinois' most populous city) is known for its rush-hour traffic - and proud commuters of all stripes. Bicyclists have recently teamed with city police to catch and ticket drivers who park or drive in designated bike lanes.

Illinois Driving Facts

Illinois' minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

dui
States with Most
DUIs Rank
#47
moving violations
States with Most
Moving Violations Rank
#41
popular car
State's
Most Popular Car
Toyota Camry
speeding violations
States with Most
Speeding Tickets Rank
#38
suspended licenses
States with Most
Suspended Licenses Rank
#30

Greenest Cities in Illinois

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

Illinois' new Driving a Cleaner Illinois program, co-founded by the Illinois EPA, is dedicated to improving air quality in the state by sourcing ideas on how to remove and replace old diesel engines from service. As a relatively eco-conscious state, Illinois has many green driving laws and regulations. Many counties in Illinois prohibit idling diesel-powered vehicles for over 10 minutes. The state offers numerous eco-friendly driver incentives.

green city award

Naperville


most patriotic
% of Hybrids/Electrics 3%

Most Patriotic City

Belleville

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Belleville won Insurify's Most Patriotic Cities Award for the state of Illinois. Located close to Scott Air Force Base, Belleville is home to many active and former service people and government personnel.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Illinois is vital for all car insurance shoppers hitting the road in The Prairie State.

Road Rankings

2% Fatality Rate per 100M VMT
on Rural Roads

#18 Ranked