Cheap Auto Insurance Quotes in Illinois (2021)

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Save More Pennies in the Land of Lincoln

Illinois is the most populous state in the midwest, home to the largest Midwest metro area—and the future home of the Barack Obama Presidential Center. More than the city of Chicago, Illinois offers pristine prairie land, mind-boggling hills in Galena, and the gorgeous bluffs of Shawnee National Forest.

If you live in the state of Illinois or you’re thinking of moving there, this guide will help you find affordable car insurance in the Prairie State. Compare the cheapest and best quotes in Illinois here.

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.

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. For the complete list, see Insurify's best car insurance companies.

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.

Quotes by Top Carriers
Quotes ($/mo)
$48
$84
$100
$133
$196
$205
$209
ProgressiveAllstateState FarmTravelersAmerican FamilyNationwideThe General
Monthly $
CityCheapest Carrier
Progressive
$48/mo
Progressive
$52/mo
Progressive
$61/mo
NationwideNationwide
$103/mo
State FarmState Farm
$87/mo
AllstateAllstate
$67/mo
AllstateAllstate
$84/mo
State FarmState Farm
$98/mo
AllstateAllstate
$90/mo
Progressive
$42/mo
Progressive
$57/mo
Progressive
$39/mo
Progressive
$46/mo
Progressive
$45/mo
Progressive
$51/mo
Progressive
$49/mo
Progressive
$42/mo
Progressive
$45/mo
Progressive
$57/mo
Progressive
$53/mo
Mile AutoMile Auto
$91/mo
Mile AutoMile Auto
$92/mo
Kemper SpecialtyKemper Specialty
$86/mo
National GeneralNational General
$73/mo
National GeneralNational General
$94/mo
First ChicagoFirst Chicago
$81/mo

Cheapest Liability Auto Insurance in Illinois

For drivers in Illinois, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Illinois. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Illinois.

Cheapest Full Coverage Auto Insurance in Illinois

For drivers in Illinois, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Illinois. The following are the best insurance rates from carriers that offer full coverage auto insurance in Illinois.

Illinois Driving Facts

illinois

Minimum Car Insurance Requirements in IL

Illinois drivers must keep a copy of their insurance card in their vehicle at all times.

If you’re pulled over and you cannot provide proof of insurance, you will be required to provide that proof in court. And you’ll face a $100 fine.There are several important insurance requirements for minimum coverage for Illinois drivers:

  • Bodily injury coverage per person / per accident: $25,000 / %50,000
  • Property damage liability coverage:  $20,000
  • Uninsured motorist bodily injury: $20,000/$40,000
  • Uninsured motorist property damage: $15,000 with $250 deductible
  • Underinsured motorist coverage: $25,000/$50,000

Liabiltiy insurance coverage is non-negotable. You can, however, reject uninsured motorist coverage if you want to. You’ll need to do so in writing. Of course, we don’t recommend doing so, especially because an estimated 13.7% of Illinois drivers are uninsured. 

Other optional coverages for your auto policy include, of course, comprehensive and collision. Comprehenisve coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision. Collision coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”

Cheapest Car Insurance Quotes in Illinois by Profile

Here are the cheapest insurance companies in Illinois based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Illinois drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Illinois, at $39 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
Progressive
$39/mo
Allstate
$60/mo
State Farm
$69/mo
Nationwide
$89/mo
Travelers
$92/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
State Farm
$41/mo
Grange
$43/mo
COUNTRY Financial
$48/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
Pekin
$41/mo
Erie
$46/mo
State Farm
$46/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
Erie
$34/mo
Pekin
$40/mo
State Farm
$42/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Illinois, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Pekin offers the cheapest car insurance rates for young drivers, averaging $34 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Illinois 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Illinoisans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
Pekin
$34/mo
Erie
$39/mo
Grange
$40/mo
State Farm
$40/mo
COUNTRY Financial
$41/mo

IL DMV Information

You register your vehicle with the Secretary of State’s (SOS) office in Illinois. You have 30 days to register your vehicle after becoming a resident. You must obtain Illinois car insurance before registering your vehicle, and you must provide proof of residency, the car’s title, and a completed Application for Vehicle Transaction (Form VSD 190).

If you’re considering moving to Illinois, there are a few other things to consider. First, are you prepared for snow and wind? The Midwest is known for its snowy winters where temperatures can hit sudden lows well below zero. Black ice is common in rural areas, especially in the northern part of the state. If you live in Chicago, however, you can expect thorough plowing as soon as flakes start to fall.

Another critical consideration is hail damage. More common further from lake-effect weather, hail can easily damage your vehicle. Living where you can park your car in a garage or carport is almost a requirement outside of Chicago.

Insurify Insights: How Illinois Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Illinois drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Illinois

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. Among all fifty states, Illinois drivers rank 39 in the number of car accidents per driver.

  • Rank of States: #39
  • Percent of drivers in Illinois with an accident: 9.14%
  • Drivers in IL with an accident in their driving history paid on average 32.39% more than drivers with a clean record

Speeding Illinois

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Illinois drivers rank 32 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #32
  • Percent of drivers in Illinois with a speeding ticket: 9.3%
  • Drivers in IL with a speeding ticket in their driving history paid on average 26.06% more than drivers with a clean record

DUI/DWIs Illinois

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Illinois drivers rank 34 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #34
  • Percent of drivers in Illinois with a DUI: 1.59%
  • Drivers in IL with a DUI in their driving history paid on average 8.45% more than drivers with a clean record

Most Popular Vehicle Illinois

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Illinois is the Honda Civic.

Rude Illinois

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Illinois drivers rank 10 in rude driving infractions.

  • Rank of States: #10
  • Percent of drivers in Illinois with a reckless driving violation: 2.52%
  • Drivers in IL with a reckless driving violation in their driving history paid on average 26.06% more than drivers with a clean record.

Safest Drivers Illinois

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Illinois drivers rank 19 in clean driving records across all fifty states.

  • Rank of States: #19
  • Percent of drivers in Illinois with clean record: 81.85%

Street Racing Illinois

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Illinois drivers rank 39 in street racing violations per driver.

  • Rank of States: #39
  • Percent of drivers in Illinois with a street racing violation: --%

Failure to Yield the Right of Way Illinois

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Illinois drivers rank 17 in failure to yield violations per driver across all fifty states.

  • Rank of States: #17
  • Percent of drivers in Illinois with a failure to yield violation: 0.45%
  • Drivers in IL with a failure to yield violation in their driving history paid on average 28.17% more than drivers with a clean record

Reckless Drivers Illinois

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. Among all fifty states, Illinois drivers rank 33 in the number of reckless driving offenses per driver.

  • Rank of States: #33
  • Percent of drivers in Illinois with a reckless driving offense: 0.07%

Hybrid/Electric Vehicle Ownership Illinois

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Illinois drivers rank 8 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #8
  • Percent of drivers in Illinois with a hybrid/electric vehicle: 1.4%

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.

Greenes Cities

Wheaton

Greenes Cities
% of Hybrids / Electrics
4%
Most Patriotic City

Most Patriotic City

Rockford

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 with cars illustration

Road Rankings

3%Rural Roads in
Poor Condition

#25
Ranked

8%Structurally Deficient
Rural Bridges

#11
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#30
Ranked


FAQs - Illinois Car Insurance

Can I drive without insurance in Illinois?

If you’re stopped for a traffic violation and the police officer discovers you have no insurance, you’ll face license plate suspension and a three-month driver’s license suspension, plus a $1,000 minimum fine. Penalty minimums start at $500 for first-time offenders, not to mention your vehicle registration will be suspended. It costs an extra $100 to reinstate your vehicle, and you must provide proof of insurance when doing so. Multiple offenders face even harsher penalties, including license suspension and required SR-22 certificate filing for three years.

Can I get non-owner car insurance in Illinois?

Non-owners car insurance is a policy that is attached to a driver who Does not own a vehicle Does not drive a specific car regularly Does not drive a “household” vehicle For example, if you occasionally borrow a vehicle from a friend, a non-owner policy would supplement the insurance your friend has on their vehicle. This is also a good option for people who rent cars often or use a car-sharing service. However, non-owner insurance is not appropriate for drivers who regularly borrow and use a roommate’s car. If you are found to be a “regular and customary driver” of a vehicle, but you purchased a non-owner policy, your insurance company may drop you. Worse, if you get in an accident and your insurance company discovers that you’re a “regular and customary driver” of the vehicle, your claim will probably be denied. If you’re unsure if you qualify for a non-driver policy, be sure to speak honestly with your insurance agent about your driving habits.

How do you get insurance for a classic car in Illinois?

Classic cars, antiques, collectibles—there are several designations given to vehicles that are more than a transportation machine. And auto enthusiasts need special considerations for their unique cars. If you have a classic car, it’s best to go with a company that specializes in vintage and collectible cars. Because these cars require different care and undergo radically different use than a practical vehicle, a regular policy may leave gaps in coverage. This is especially true for comprehensive coverage of vehicles with special repairs, restoration, or upgrades. These can change the value of your car drastically, so it is essential to reach an agreement with your insurer about your car’s value.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.