Best Car Insurance in Illinois (2026)
Auto-Owners, State Farm, and Progressive are among the best car insurance companies in Illinois. Prairie State drivers pay an average of $123 per month for coverage.
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4.7 / 517K reviews
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Writer: Emily Guy BirkenInsurance and Personal Finance Writer
Writer: Emily Guy BirkenInsurance and Personal Finance Writer
Qualifications:
Plutus Award winner
Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
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Editor: MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
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Best car insurance companies in Illinois
Illinois drivers have many insurance companies to choose from, but some stand out above the rest. Insurify analyzed 120+ insurers to find the best car insurance companies in Illinois.
We chose the following five insurers as the best in Illinois based on customer service, affordability, available coverages, discounts, and industry ratings.
Auto-Owners: Best overall
| 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. | $41/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 |
4.3
Best choice in IllinoisBased on 365 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.0 | 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
Best in Illinois for
Showing recent national reviewsSee all 158 Auto-Owners reviews
Verified Review
Reviewed in South Carolina on September 12, 2026
An excellent company that responds!!
Verified Review
Reviewed in Florida on September 7, 2026
We’re very happy, especially since we pay annually. However, the price has gone up a lot.
Verified Review
Reviewed in Michigan on August 28, 2026
I’m not happy about a sudden rate hike of more than 20%.
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
If you’re looking for the cheapest car insurance in Illinois, Auto-Owners is one of your best bets. The company offers affordable Illinois auto insurance for drivers of all ages and with a variety of driving records.
Auto-Owners has numerous discounts available, including a 20% good student discount for teen drivers. It also offers lower rates after a driving under the influence (DUI) conviction than other insurance companies.
Pros
Below-average number of customer complaints
Cheap Illinois car insurance
Local independent agents available throughout Illinois
Cons
Online quotes not available
Poor Trustpilot score
Below-average customer satisfaction rating in the North Central region
State Farm: Best for rideshare drivers
| 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. | $45/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 |
4.1
Best choice in IllinoisBased on 21,158 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 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
Best in Illinois for
Showing 68 reviews from Illinois driversSee all 8,128 State Farm reviews
Verified Review
Reviewed in Illinois on September 18, 2026
State Farm is a good company, but their rates are way too high. I just switched supplemental plans for my wife to Mutual of Omaha and saved almost $200.00.
Verified Review
Reviewed in Illinois on September 18, 2026
Not as affordable as I would like.
Verified Review
Reviewed in Illinois on September 14, 2026
Very professional all the time.
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
If you’re a rideshare driver in Illinois, State Farm is a cheap option while driving for Uber or Lyft. The company offers some of the cheapest full-coverage premiums in the state. Rideshare coverage adds about 15%–20% to your premium.
State Farm is the largest auto insurance company by market share and has an A+ (Superior) financial strength rating. So you can feel confident that the company can pay out any claims.
Pros
Local agents available throughout Illinois
Above-average customer satisfaction rating in the North Central region
Below-average number of customer complaints
Cons
Accident forgiveness not available
Poor Trustpilot score
Gap coverage available only with an auto loan through State Farm Bank
Progressive: Best for Illinois drivers in their early 20s
| 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. | $62/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. | $117/mo |
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
Best in Illinois for
Showing 59 reviews from Illinois driversSee all 9,091 Progressive reviews
Verified Review
Reviewed in Illinois on September 14, 2026
I’ve had very limited contact with them, but their automated systems work great.
Verified Review
Reviewed in Illinois on September 1, 2026
It’s fair.
Verified Review
Reviewed in Illinois on August 26, 2026
I paid my car insurance every month. In July, I got a bill for double and was told I never paid my May bill. No one let me know—no calls or mail.
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
About 6% of Illinois residents are between the ages of 20 and 24.[1] These young drivers pay more for insurance than older Illinois drivers because they have less experience. But Progressive offers some of the lowest full-coverage rates for younger Illinois drivers. The company also has a variety of discounts to help keep rates low.
Pros
Many discounts available
Highly rated mobile app
Below-average number of customer complaints
Cons
Below-average claims satisfaction rating in the North Central region
Vehicle safety features discount not available
Can be expensive for some drivers
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. | $72/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. | $130/mo |
4.9
Best choice in IllinoisBased on 4,304 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Illinois for
Showing 6 reviews from Illinois driversSee all 1,694 USAA reviews
Verified Review
Reviewed in Illinois on September 11, 2026
After several reviews, I’ve noticed that USAA has been overcharging its customers by at least a third more than companies like Progressive, State Farm, Farmers, and other insurers. In one case, USAA quoted more than double what State Farm and Farmers were quoting combined. This estimate wasn’t for any new vehicles—just my existing vehicles that I’ve insured with USAA for the last 10 years. This makes me feel like USAA has been overcharging me (and other customers) for more than a decade. Because of that, I’m canceling my policy with USAA and moving to Progressive.
Verified Review
Reviewed in Illinois on April 29, 2026
Way too expensive for someone of my age (71) who drives about 5 miles per week, if at all. No tickets or accidents in 5 years or more.
Verified Review
Reviewed in Illinois on January 23, 2026
I haven't had any issues when I've needed roadside service. I had a good experience with the one claim I made.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
726
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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
Illinois is home to more than 620,000 military veterans, ranking No. 10 in the nation for total veteran population.[2] USAA exclusively serves active-duty military members, veterans, and their families, making it a good fit for many Illinois drivers. The insurer prides itself on excellent customer service and special coverages and discounts tailored to military families.
Pros
A++ (Superior) financial strength rating
Highly rated mobile app
Offers SafePilot telematics program to help lower rates
Cons
Available only to the military community
Only three local offices in Illinois
Above-average number of customer complaints
Allstate: Best for discounts
| User Reviews | 3.8 |
|---|---|
| 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. | $67/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. | $140/mo |
3.8
A solid option in IllinoisBased on 12,279 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.3 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Illinois for
Showing 41 reviews from Illinois driversSee all 4,703 Allstate reviews
Verified Review
Reviewed in Illinois on September 3, 2026
The monthly rate is high.
Verified Review
Reviewed in Illinois on August 31, 2026
Simply too costly and poor customer service. Wouldn’t recommend. No explanations at all.
Verified Review
Reviewed in Illinois on August 8, 2026
You’re raising my rates, so I’m canceling my coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
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
Based in Chicago, Allstate is one of the best car insurance companies for Illinois drivers looking for discounts. Allstate offers many ways to save money, including discounts for anti-lock brakes, anti-theft devices, multiple policies, safe driving, good grades, and automatic payments.
Pros
Wide variety of available discounts
Above-average customer satisfaction rating in the North Central region
A+ (Superior) financial strength rating
Cons
Above-average number of customer complaints
Customer loyalty discount not available
Higher average rates than some competitors
How we chose the best car insurance companies in Illinois
Our editorial team analyzed regional and national auto insurance companies that sell policies in Illinois to assess which offer 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.
Average cost of car insurance in Illinois
Illinois drivers pay an average of $83 per month for minimum liability insurance. Liability rates in Illinois are typically slightly cheaper than the national average.
Many local factors affect insurance premiums in Illinois, including the high rate of uninsured motorists. About 15% of Illinois drivers don’t have car insurance, according to the Insurance Information Institute.[3] More uninsured drivers on the road increases insurance rates for everyone.
Illinois is also a comparative negligence at-fault state, meaning parties in an accident can share responsibility.[4] That’s why Illinois drivers should consider opting for higher property damage liability and bodily injury liability limits.
Illinois has severe winters and other weather dangers, so drivers may also want full-coverage insurance. Full coverage typically includes collision and comprehensive coverage, which help pay for damage to your car from severe weather, theft, and more.
Find the Best Car Insurance in Illinois
Compare rates from the Prairie State’s top insurers and save money in minutes
Excellent
4.7 out of 5 based on 17,255 reviews
Secure. Free. Easy-to-use.
How to get the best car insurance in Illinois
Here’s how to make sure you have the best Illinois car insurance for your needs:
Know the minimum requirements
Illinois requires all drivers to have a minimum of $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $20,000 of property damage liability coverage. You also need uninsured motorist coverage in the same amounts as your bodily injury liability coverage.[5]
Consider increasing your uninsured motorist coverage
Nearly one out of every seven drivers on Illinois roads is uninsured. You may want to consider buying more uninsured motorist insurance to protect your finances.
Remember that Illinois is an at-fault state
Illinois uses modified comparative negligence to assign fault in an accident, meaning you can seek damages only if you’re less than 50% at fault. Illinois drivers may want to purchase personal injury protection (PIP) and full coverage to make sure they have enough coverage.
Request multiple quotes
Comparing multiple car insurance quotes is the best way to ensure you find the right coverage at the lowest rates in Illinois.
Best car insurance in Illinois FAQs
The answers to the following common questions about Illinois car insurance can help you find the best coverage for your needs.
What are the top-rated car insurance companies in Illinois?
Auto-Owners, State Farm, Progressive, USAA, and Allstate are among the best insurers for Illinois drivers, according to Insurify data. But every driver is different, so you should compare rates, discounts, and coverage options from multiple companies to find the right insurer for you.
What are the best car insurance companies for new drivers in Illinois?
It depends. Auto-Owners offers the cheapest average rates for Illinois teens. But you should look beyond price when choosing an insurer. Comparing coverage options, discounts, and rates can help you find the best car insurance for a new driver in Illinois.
What factors should you consider when choosing the best car insurance in Illinois?
You should consider a few factors when choosing car insurance in Illinois. Make sure an insurer has the right coverage options for your needs, and check for any available discounts. Illinois is prone to severe weather, so the right policy can mean paying less out of pocket if you file a claim.
Sources
- U.S. Census Bureau. "Populations and People."
- U.S. Department of Veterans Affairs. "Veterans as a Percent of County Population (FY2019)."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Illinois Department of Insurance. "Comparative Negligence."
- Illinois Department of Insurance. "Auto Insurance Shopping Guide."
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Writer: Emily Guy BirkenInsurance and Personal Finance Writer
Writer: Emily Guy BirkenInsurance and Personal Finance Writer
Qualifications:
Plutus Award winner
Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
Editor: MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.