As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Shopping for car insurance can be difficult, as everyone has different coverage needs and priorities. Illinois drivers pay $79 per month for liability coverage, on average, but comparing multiple companies is the easiest way to find a cheaper rate.
Insurify analyzed 50 car insurance companies based on various factors, like cost, coverage, and customer satisfaction, to find the cheapest car insurance in Illinois.
Best car insurance companies in Illinois
While plenty of good car insurance companies operate in Illinois, some stand out above the rest. Below are the five best car insurance companies in Illinois based on customer service, affordability, available coverages, discounts, J.D. Power and AM Best ratings, and the number of complaints on the National Association of Insurance Commissioners (NAIC) complaint index.
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.
$34/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.
$61/mo
4.2
Best choiceBased on 9,279 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,097)
Roy
December 25, 2024
Verified Review
My State Farm
Know the coverages you need for auto and home.
Andrew
December 24, 2024
Verified Review
Drive Sensors are a Scam
Their 'Drive Safe and Save' setup is a scam that kills my discount. No matter how gently I brake, it registers it as a hard brake. Even when I present them with dash cam video that has the same timestamp and GPS location, they claim their inexpensive device is more accurate than my high-end dash cam.
Mary
December 23, 2024
Verified Review
Rob Becker State Farm is Perfect!
Rob Becker is wonderful! He always answers my calls and provides excellent service. My car has never been in better hands!
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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 stands firmly as one of the best insurance companies in Illinois, offering affordable auto rates and excellent customer service. It has an extensive network of local agents in the state, making it easy for policyholders to get personalized coverage.
State Farm is also reliable, earning an AM Best financial strength rating of A++ (Superior), indicating its strong ability to pay out claims.
Pros
Strong local agent network
Above-average J.D. Power customer satisfaction rating
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.
8.5 /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.
$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
4.0
Best choiceBased on 147 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (90)
Jim
November 24, 2024
Verified Review
Auto
Overall, it's good, though their flexibility on pricing is less than desired.
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
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 is one of the cheapest car insurance companies in Illinois. It’s an excellent option for drivers looking to save money. Auto-Owners customers can also feel confident in the company’s ability to pay out claims, as it earned an AM Best financial strength rating of A++ (Superior).
Pros
Cheapest rates in Illinois
Below-average number of complaints on the NAIC
Has local agents in Illinois
Cons
Quotes not available online
Only available in 26 U.S. states
Below-average J.D. Power customer satisfaction rating
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.
9.4 /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.
$56/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.
$100/mo
4.9
Best choiceBased on 1,650 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (944)
Ben
December 23, 2024
Verified Review
Best Insurance Coverage
This is an excellent company.
Hartine
December 23, 2024
Verified Review
My experience with customer service was not good.
I would not recommend getting a policy from USAA.
Marie
December 23, 2024
Verified Review
Disappointed with USAA's Car Insurance and Banking Services
I used to believe that USAA was expensive because they offered the best services, but my experience proved otherwise. I had been a customer for over 10 years and even convinced my then-husband to open a checking account with them. We then purchased auto insurance. However, after our separation, I was informed that he was the primary on the auto insurance and I had no rights to print an insurance card for my vehicle. Despite paying for the car insurance, I was unable to view the account. I was upset that they refused to discuss the account with me.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
891
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
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
USAA is the best car insurance company for military families in Illinois. It offers a variety of special coverages and discounts exclusively for military members and their families. USAA is an excellent car insurance option for the 7% of the Illinois population who are veterans.
Pros
AM Best financial strength rating of A++ (Superior)
Usage-based insurance available
Above-average J.D. Power customer satisfaction rating
Cons
Only available to active military members, veterans, and their families
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.
8.9 /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.
$85/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.
$153/mo
4.0
Best choiceBased on 5,773 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,148)
Richard
December 25, 2024
Verified Review
Excellent Insurance, But Not Affordable
The insurance is excellent, but it's too expensive.
Jean
December 24, 2024
Verified Review
Extremely Disappointed
I was very disappointed when they raised my rate by $160.00 because I bought a new home. They said it was based on zip code, which I find hard to believe.
Robert
December 24, 2024
Verified Review
High Price for Low Mileage Driving Seniors
Allstate is a good company, but they do not provide a significant enough discount for seniors who drive under 5000 miles a year. This is considering that the mileage is for two vehicles in total.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
847
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
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
Allstate is one of the best car insurance companies for drivers looking to take advantage of discounts. The insurer offers many ways for drivers to save money, including discounts for anti-lock brakes, new vehicles, anti-theft devices, multiple policies, safe driving, smart student, and automatic payments.
Pros
Numerous available discounts
Above-average J.D. Power customer satisfaction rating
AM Best financial strength rating of A+ (Superior)
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.
8.8 /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.
$48/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.
$86/mo
3.6
A solid optionBased on 41 verified guest reviews and ratings
How drivers feel about Country Financial
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (28)
Ida-Marie F
December 16, 2024
Verified Review
Good Company
They are honorable and pay our claims promptly.
Antonio
December 14, 2024
Verified Review
Car and Home Insurance
They have become expensive now.
Chloe
October 19, 2024
Verified Review
Unaffordable Rates That Increase Monthly
Terrible, I wouldn't ever recommend Country Financial to anyone. My policy kept increasing monthly without any explanation, despite not having any new accidents or tickets. They didn't offer many discounts and it became unaffordable very quickly.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.2
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
COUNTRY Financial is one of the best options for Illinois drivers looking for local, homegrown, trustworthy coverage. Originating in 1925 in Illinois, COUNTRY Financial has an excellent customer satisfaction rating in J.D. Power’s 2024 U.S. Auto Insurance Study, sitting 13 points above the region’s average. Drivers who care about customer experience should consider COUNTRY Financial.
Pros
Affordable rates in Illinois
AM Best financial strength rating of A+ (Superior)
Various available car insurance discounts
Cons
Policies not available online
Only offers coverage in 19 states
Gap insurance not available
Our editorial team analyzed regional and national auto insurance companies that sell policies in Illinois to assess which offers the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Illinois
When shopping for the best car insurance in Illinois, keep a few key tips in mind:
Keep a clean driving record
Keeping a clean driving history is one of the best ways to get a cheap car insurance policy in Illinois. Not only can driving and traffic violations result in license suspension and points added to your driving record, but they can also result in higher premiums.
Insurers consider you a high-risk driver and more likely to submit a claim if you have incidents on your record. Good drivers almost always pay the cheapest rates. Drive safely and defensively to get the lowest rates and ensure you always have the best deal.[1]
Take advantage of discounts
Car insurance discounts are your friend when putting together the best car insurance policy. You might be surprised by how many discounts most Illinois insurers offer.
Make sure to research available discounts thoroughly and ask your insurer or insurance agent what you qualify for. Adding even one or two discounts to your policy could save you quite a bit.[2]
Compare car insurance quotes
Comparing car insurance quotes from multiple insurers is one of the best ways to get the cheapest car insurance in Illinois. Companies weigh driving factors like age, location, credit history, ZIP code, and driving history differently, meaning you may pay significantly less at certain insurers for the same policy. Always compare quotes from at least three insurers before buying a policy to find the cheapest options.
Bundle policies
Bundling your auto insurance with home insurance or another type of coverage often yields one of the biggest discounts available. Many Illinois car insurance companies offer bundling discounts, so it’s worth asking yours if it does. But only bundle policies if it makes sense. Don’t force it if the coverage level isn’t adequate.
Increase your deductible
If you don’t drive frequently and can afford to pay a little more out of pocket in the event of an accident, consider increasing your car insurance deductible. Your insurance premiums will decrease if you raise your deductible. Just make sure your new deductible won’t drain your wallet.
Average cost of car insurance in Illinois
The average cost of car insurance in Illinois is $127 per month, compared to the national average rate of $153. Drivers pay an average of $79 per month for liability coverage and $174 for a full-coverage policy.
The average annual cost of full coverage in Illinois increased by roughly 19%, and Insurify projects it will increase by a total of 31% by the end of the year. This is why it’s crucial to compare car insurance quotes from multiple insurance companies before buying a policy.
Find Cheap Car Insurance in Illinois
Liability quotes in Illinois start at $32/mo.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Best car insurance in Illinois FAQs
If you still have questions about how to find the best car insurance in Illinois, check out the additional information below.
How much is car insurance in Illinois?
On average, Illinois drivers pay $79 per month for liability only and $174 for full coverage.
What are the best car insurance companies in Illinois?
State Farm, Auto-Owners, USAA, Allstate, and COUNTRY Financial are the best car insurance companies in Illinois.
Each insurer excels in a different category, so while State Farm might be the best car insurance option for your neighbor, Allstate may be better suited to you. Always compare quotes from multiple insurers to find the cheapest companies.
What is the required auto insurance coverage amount in Illinois?
The minimum requirements for auto insurance coverage in Illinois are $25,000 per person and $50,000 per accident in bodily injury liability insurance, as well as $20,000 per accident in property damage liability.[3]
Sources
III. "What determines the price of an auto insurance policy?."
III. "Nine ways to lower your auto insurance costs."
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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