Best Car Insurance in Illinois (2025)
State Farm, Auto-Owners, and USAA are some of the best insurers for Illinois drivers.
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Written byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
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.
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Edited bySara Getman
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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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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
Shopping for car insurance can be difficult, as everyone has different coverage needs and priorities. Illinois drivers pay $80 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.
State Farm: Best for customer service
| User Reviews | 4.1 |
|---|---|
| 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. | $53/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. | $85/mo |
4.1
Best choiceBased on 12,014 verified guest reviews and ratings
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.
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
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,316)
Theodore
Verified Review
When the chips are down...
Reviewed in Pennsylvania on October 2025
They were unhelpful in the wake of the pandemic when the shortage of auto parts led to long waits for repairs. There was no flexibility regarding lender vehicles or rentals.
Kaitlin
Verified Review
I am very happy with State Farm.
Reviewed in Georgia on October 2025
They were very good. I am well pleased.
Joseph
Verified Review
Excellent but expensive
Reviewed in Florida on October 2025
State Farm offers good coverage but is pricey.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
Bloomington, Illinois-based State Farm, the largest U.S. auto insurer by market share, offers affordable rates and excellent customer service to Illinois drivers. 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
Expansive statewide network of local exclusive agents
Above-average J.D. Power customer satisfaction rating
Below-average number of complaints on the NAIC
Cons
More expensive rates than some competitors
Accident forgiveness not available
Payoff Protector (gap) coverage restricted to customers who originate an auto loan through State Farm Bank
Auto-Owners: Best for affordability
| User Reviews | 4.3 |
|---|---|
| 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. | $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. | $78/mo |
4.3
Best choiceBased on 236 verified guest reviews and ratings
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.
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
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (137)
Lance
Verified Review
Average
Reviewed in Utah on October 2025
They have nearly doubled my premium in the last couple of years for no reason.
Doug
Verified Review
We have been with Auto Owners for some time and when reached out to other Top Insurers no comparison
Reviewed in Minnesota on October 2025
Keep asking for better pricing.
David
Verified Review
Getting Expensive
Reviewed in Michigan on October 2025
I've been with them for 15 years and received $3,200 back when a tree fell on my roof. It seems I'm in the hole for $19,776.00 over these years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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 average rates in Illinois
Below-average number of complaints on the NAIC index
Statewide distribution network of local independent agents
Cons
Quotes not available online
Only available in 26 U.S. states
Below-average J.D. Power customer satisfaction rating
USAA: Best for military families
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $86/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. | $138/mo |
4.9
Best choiceBased on 2,271 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
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
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,265)
Hosea
Verified Review
USA's Monitoring Practices
Reviewed in Georgia on October 2025
I do not care for their big brother approach. They monitor your hands-free phone calls and deduct points for talking, which affects your premium. They also took my average miles driven per year and divided it by 12. If I go over my monthly allowance, I pay more for my next premium. Ridiculous!
Howard
Verified Review
Avoid USAA
Reviewed in Louisiana on October 2025
Worsening service for increasing costs.
Joe
Verified Review
Car Insurance Rates
Reviewed in Delaware on October 2025
Overall good. However, more than once I was sent emails stating I did not pay insurance for the month. I set it up monthly. They charged me double the next month. Plus, my rate of $99 for minimum coverage went to $137. I am going to investigate this. I am not going to pay that, though most companies are higher.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
726NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 active-duty military members, veterans 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)
Offers SafePilot telematics program
Above-average J.D. Power customer satisfaction rating
Cons
Coverage restricted to members of the military community
Only three local offices in Illinois
Above-average number of complaints on the NAIC index
Allstate: Best for discounts
| User Reviews | 3.9 |
|---|---|
| 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. | 8.9 /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. | $131/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. | $211/mo |
3.9
A solid optionBased on 7,333 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
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 friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,809)
Phyllis
Verified Review
Today's Insurance
Reviewed in South Carolina on October 2025
I was satisfied until I had an accident that totaled my car and a claim from the person I hit. Then my policy rate tripled. I have had Allstate insurance for over 60 years in 4 states.
Tobi
Verified Review
Allstate Rating
Reviewed in Colorado on October 2025
Have always been helpful and work to get me the best coverage at an affordable price.
Richard
Verified Review
It seems like at Allstate, as with many insurance companies, they raise the rates every year even if you don’t have any issues. State Farm is 40% cheaper.
Reviewed in Texas on October 2025
It seems like at Allstate, as with many insurance companies, they raise the rates every year even if you don’t have any issues. State Farm is 40% cheaper.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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
Chicago-based 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)
Cons
Average rates may be higher than some competitors
Above-average number of complaints on the NAIC index
No customer loyalty discount
COUNTRY Financial: Best for local service
| User Reviews | 4.0 |
|---|---|
| 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. | 9.1 /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. | $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. | $118/mo |
4.0
Best choiceBased on 54 verified guest reviews and ratings
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
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
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (32)
Debbie
Verified Review
Disappointed
Reviewed in Ohio on October 2025
Awesome and they don't raise my premium for something that wasn't my fault, and they don't have a big turnover in sales reps in their office. You also get to deal with the main agent, unlike State Farm in Toronto, Ohio.
Christian
Verified Review
My experience with Country Financial has been upstanding and I haven't had a problem with them
Reviewed in Nevada on September 2025
Honestly, one of the best insurance providers I have dealt with.
Nan
Verified Review
Good
Reviewed in Georgia on March 2025
I would like my representative to return my calls. My coverage has been average.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44A.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. Founded in Bloomington, Illinois in 1925, COUNTRY Financial has an excellent customer satisfaction rating in J.D. Power’s 2024 U.S. Auto Insurance Study, scoring 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 $114 per month, compared to the national average rate of $140. Drivers pay an average of $80 per month for liability coverage and $149 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 $49/mo.
Secure. Free. Easy-to-use.
Based on 7,669+ 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 $80 per month for liability only and $149 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. Likewise, Illinois requires uninsured motorist coverage for bodily injury with minimum limits of $25,000 per person and $50,000 per accident.[3]
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Danny Smith
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.
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.