Cheapest Car Insurance Quotes in Illinois

Cheapest car insurance quotes in Illinois

In Illinois, Auto-Owners, State Farm, and Certainly offer the lowest average rates.

The table below shows how prices differ between liability-only and full-coverage policies. The following rates are for a typical driver in their 30s with a clean record and good-to-excellent credit.

The below rates in Illinois are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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 Company	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Auto-Owners	$40	$74
State Farm	$44	$80
Certainly	$55	$159
Progressive	$58	$111
Country Financial	$61	$111
Direct Auto	$62	$126
The General	$63	$164
GEICO	$64	$122
Erie	$67	$122
First Chicago	$67	$166
USAA	$71	$130
GAINSCO	$75	$199
Safeco	$75	$116
American Family	$76	$140
Mercury	$76	$131
Bristol West	$78	$179
National General	$79	$156
Freedom National	$87	$190
Elephant	$90	$155
Clearcover	$92	$179
Dairyland	$93	$257
First Acceptance	$94	$229
Travelers	$97	$179
Farmers	$104	$190
Root	$105	$165
Liberty Mutual	$107	$172
Allstate	$109	$199
Mendota	$109	$215
State Auto	$137	$250

Disclaimer: Table data sourced from real-time Illinois car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Illinois may vary based on the policy buyer's unique driver profile.

Best-rated insurance companies in Illinois

The following insurance companies are our top picks for drivers in Illinois based on real customer reviews and Insurify Quality (IQ) Scores. You can think of the IQ Score as a report card for each insurer. It considers the company’s financial stability, customer satisfaction, and the number of complaints filed against it.

If you’re searching for the best car insurance in Illinois, start with these companies.

Best for full coverage: Auto-Owners

full coverage

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User Reviews	4.3 348 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
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.	$40/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.	$74/mo

Details

4.3

Best choice in IllinoisBased on 348 verified driver reviews and ratings

	Auto-Owners's score	Industry average
Coverage options	4.0	3.2
Customer service	3.5	3.6
Discounts	3.6	2.9
Policy transparency	3.9	3.1
Value	3.5	2.9

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

Based on analysis of verified reviews collected by Insurify

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Best in Illinois for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviewsSee all 150 Auto-Owners reviews

James

Verified Review

Does not take care of business. People they send for damage repair are way off base on their pricing

Reviewed in Nebraska on April 12, 2026

Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.

Twitty

Verified Review

Good company, just the rates are too expensive

Reviewed in Florida on April 4, 2026

Uneventful.

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

646

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

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++

Why we picked this company

Auto-Owners offers some of the lowest full-coverage rates in Illinois. The insurer could be a good choice for the 30% of Illinois drivers who have a loan on their vehicle, according to Insurify data, as lenders typically require you to have a full-coverage policy.

Auto-Owners has an A+ (Superior) rating for financial strength from AM Best and receives only half as many complaints as similarly sized insurers, according to the National Association of Insurance Commissioners (NAIC).

Pros

• Low full-coverage rates in Illinois

• AM Best financial strength rating of A+ (Superior)

• Many available discounts

Cons

• No online quotes

• Sold only through independent agents

• Below-average J.D. Power satisfaction score in North Central region

Best for customer service: State Farm

customer service

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User Reviews	4.1 19,488 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
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.	$44/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

Details

4.1

Best choice in IllinoisBased on 19,488 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

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Best in Illinois for

Customer service

Competitive rates

Discounts for safe drivers

Showing 61 reviews from Illinois driversSee all 7,756 State Farm reviews

Hector

Verified Review

Overpriced

Reviewed in Illinois on July 8, 2026

I've been with them for over 25 years, never used their service, and it keeps getting more expensive.

Daniel

Verified Review

My Latest Experience with State Farm

Reviewed in Illinois on July 8, 2026

My biggest complaint is their customer service, or lack thereof. Just hope you never have to use it unless you want to get yourself very frustrated. For example, they put me on this Drive Safe and Save program, which was supposed to lower my bill. Well, for the first couple of renewals, my bill was lower. In fact, the bill before last went down about $55 or $60. But this current bill went back up about $60. After spending two afternoons trying to get someone to talk to, they told me that my beacon wasn't working and that's why they took my discount away. I said, how was I supposed to know that? I have one installed in each of my vehicles as per their instructions. If it wasn't working, that's their problem; I didn't make the equipment. So I said, well then, seeing that I didn't know it malfunctioned, I should still get the discount. They said they would check and get back to me. Guess what? I never heard a word. They were very nice to me about 5 years ago when I signed up for my 2 cars and house insurance. Their phone is never answered by a human, which I think is a bunch of nonsense. Right now, I'm ready to say "GOODBYE STATE FARM."

Girishkumar

Verified Review

No Good

Reviewed in Illinois on July 7, 2026

Very high rates.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

665

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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++

Why we picked this company

State Farm is based in Bloomington and is known as Illinois’ home-state insurer. It offers a large network of local agents, which is convenient for drivers who prefer in-person support. The company also scores well in J.D. Power studies for customer and claims satisfaction.

Pros

• Low minimum-coverage rates in Illinois

• Largest number of in-state agents

• Above-average J.D. Power customer satisfaction rating in North Central region

Cons

• Not the cheapest full-coverage insurer in Illinois

• Rates vary by agent

• Fewer specialty coverage options

Best for savings: Progressive

savings

Compare Quotes

JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	648
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.7 /10
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.	$58/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.	$111/mo

Details

How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

Based on analysis of verified reviews collected by Insurify

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Best in Illinois for

Competitive rates

Easy buying process

Telematics program

Showing 48 reviews from Illinois driversSee all 8,721 Progressive reviews

Tasha

Verified Review

Haven’t had any issues and was an easy process to sign up

Reviewed in Illinois on July 5, 2026

Great price and coverage.

Diane

Verified Review

What can I expect?

Reviewed in Illinois on July 4, 2026

Progressive is good but always changing the premium every 6 months. Sometimes the change is good, other times it's not.

Barbara

Verified Review

Progressive Delivers!

Reviewed in Illinois on June 25, 2026

Progressive is great, but there's no personal agent. It's pretty much done on the computer. Excellent service.

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NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

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+

Why we picked this company

If you’re a safe driver in Illinois, Progressive’s Snapshot telematics program can help you save even more with ongoing discounts. Combined with its already low rates, this makes Progressive one of the most affordable choices in the state.

Pros

• Usage-based Snapshot discount

• Competitive full-coverage rates in Illinois

• Strong multi-policy bundling options

Cons

• Snapshot can raise rates for hard braking

• Chicago traffic may limit telematics savings

• Below-average J.D. Power claims satisfaction rating

How much is car insurance in Illinois?

Illinois drivers pay about $1,930 per year for full coverage and $983 for liability-only coverage. This is lower than the national annual averages of $2,237 for full coverage and $1,176 for liability coverage, partly because Illinois has fewer fatal crashes than average and hardly any natural disasters.^[1]

Rates are higher in Chicago compared to other cities in the state because heavy traffic on the Kennedy Expressway and Interstate 90/94 leads to more accidents. In river towns along the Mississippi and Illinois rivers, insurance costs also go up due to increased flood risk and winter ice.^[2]

Average car insurance quotes in Illinois cities

Factors such as traffic volume, theft rates, and previous claims affect how much you pay for coverage in Illinois. Use the table below to see average monthly quotes for full coverage and liability-only coverage in different Illinois cities.

The below rates in Illinois are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Bloomington	$74	$132
Champaign	$74	$141
Decatur	$74	$143
Moline	$76	$136
Schaumburg	$80	$163
Naperville	$81	$145
Rockford	$81	$152
Peoria	$82	$156
Evanston	$85	$167
Waukegan	$85	$157
Springfield	$86	$164
Aurora	$87	$157
Crest Hill	$88	$151
Elgin	$89	$154
Des Plaines	$90	$166
Joliet	$91	$165
Wheeling	$91	$151
Berwyn	$95	$177
Belleville	$99	$182
Chicago Heights	$101	$217
Skokie	$101	$176
Cicero	$106	$212
Chicago	$111	$228

Disclaimer: Table data sourced from real-time Illinois car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Illinois may vary based on the policy buyer's unique driver profile.

The chart highlights the five most expensive cities for car insurance: Chicago, Chicago Heights, Cicero, Belleville, and Berwyn.

The below rates in Illinois are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Berwyn	$95	$177
Belleville	$99	$182
Chicago Heights	$101	$217
Cicero	$106	$212
Chicago	$111	$228

On-the-spot guidance from licensed insurance experts

Anuj DesaiLicensed Property & Casualty Insurance Agent

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Qualifications:

• Licensed property and casualty insurance agent

• 25+ years of insurance experience

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Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.

Anuj Desai's bio

Britney BalkLicensed P&C Agent and Customer Service Supervisor

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Qualifications:

• Licensed property and casualty insurance agent

• 14+ years insurance experience

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Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.

Britney Balk's bio

Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services

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Qualifications:

• Licensed property and casualty insurance agent

• 10+ years of insurance experience

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Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.

Mallory Mooney's bio

Why you should compare car insurance quotes in Illinois

Insurance rates in Illinois can vary because each company assesses risk factors differently. Things like your age, credit history, where you live, and your driving record all play a part.

For example, rates in Chicago are often higher than in smaller towns, and even drivers with the same profile can see big price differences between companies. That’s why it’s important to compare several quotes if you want to save money.

Here are some tips to help you get the most accurate quotes when you compare insurers:^[3]

• Ask each insurer for the same coverage limits and deductible so you’re comparing similar policies.

• Request a non-bound application before you switch companies. The first quote you get is just an estimate until the insurer confirms your final price.

• Provide accurate information about your car, as the make and model can affect your rate.

• Check your credit report before you start, since many insurers use your credit-based insurance score to help set your price.

Illinois car insurance requirements

Like most U.S. states, Illinois requires drivers to have a minimum amount of liability insurance to get behind the wheel.

The table below lists the amounts of bodily injury liability and property damage liability coverage Illinois drivers must have before they can legally drive on state roads.

Coverage Type	Coverage Amount
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$20,000 per accident

Agent Tip: Is liability-only insurance enough coverage for drivers in Illinois?

“Liability-only insurance might not be enough if you cause a serious accident in Illinois. Medical bills and repair costs can quickly exceed the state’s 25/50/25 minimum requirements. You’d have to pay the difference out of pocket. Consider increasing your liability limits to make sure you have enough coverage.”

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Britney BalkLicensed P&C Agent and Customer Service Supervisor

Britney Balk's bio

How to find the cheapest Illinois car insurance

The best way to save on car insurance in Illinois is to compare quotes from different companies. Rates in the state can range from $40 per month with Auto-Owners to $260 per month with Dairyland for the same coverage.

Here are some of the best ways to save on coverage in the Prairie State:

• Get quotes from at least three to five insurance companies.

• Review your credit report for errors before you start shopping. Drivers with poor credit in Illinois pay about $65 more each month than drivers with excellent credit.

• Consider bundling your auto insurance with your home or renters insurance to save on multiple policies.

• If you can handle a higher out-of-pocket cost, raising your deductible can help lower your monthly premium.

• If you think you’re being charged unfairly, you can file a complaint with the Illinois Department of Insurance.

Find quotes for your driver profile

Find out how your driver profile can change your rate in Illinois. You can check pricing based on your age, coverage type, and driving history below.

How car insurance costs have changed in Illinois

Illinois’ average annual full-coverage premium stayed about the same in 2025, finishing the year at $1,786. This aligns with a broader trend of insurers lowering rates as profit margins have improved over the last few years.

Insurify expects a small 0.4% rise in Illinois in 2026, bringing the average to $1,793, as insurers try to attract more customers while dealing with higher repair costs from tariffs.

Illinois car insurance FAQs