Cheapest Auto Insurance in Illinois (2026)

With an average monthly cost of $115, Illinois drivers have relatively affordable car insurance compared to many other states in the U.S. It’s a good bit cheaper than the national average of $137 per month.

Many factors can affect your car insurance rates, but you have ways to find the cheapest auto insurance in Illinois. The best way to find cheap coverage is to compare car insurance quotes from multiple companies.

6 of the cheapest car insurance companies in Illinois

While the average cost of car insurance in Illinois is favorable, the company offering the best deal for you might differ based on your specific situation. Whether it’s your driving record, the type of car you own, or even your age, various factors influence the rate you’ll pay.

Below is a table showing some of the cheapest car insurance companies in Illinois, based on Insurify data.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $65/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $71/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $106/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $115/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $100/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $168/mo*
Overall rating 4.3 144 reviews	Overall rating 4.0 6,965 reviews	Overall rating 4.0 7,256 reviews	Overall rating 4.9 1,435 reviews	Overall rating 3.2 7,929 reviews	Overall rating 3.7 1,117 reviews
Value for money 3.4/5	Value for money 3.6/5	Value for money 3.8/5	Value for money 4.9/5	Value for money 3.1/5	Value for money 3.2/5
Customer service 3.5/5	Customer service 4.2/5	Customer service 4.0/5	Customer service 4.8/5	Customer service 3.3/5	Customer service 3.7/5
Claims handling 4.0/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 4.9/5	Claims handling 3.3/5	Claims handling 3.9/5
Special highlight AI-generated from 144 user reviews Cheap rates	Special highlight AI-generated from 6965 user reviews Customer service	Special highlight AI-generated from 7256 user reviews Teen drivers	Special highlight AI-generated from 1435 user reviews Members of the military community	Special highlight AI-generated from 7929 user reviews Competitive rates	Special highlight AI-generated from 1117 user reviews Bundling discounts

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Auto-Owners, State Farm, and USAA are some of Insurify’s top picks for Illinois drivers.

Auto-Owners

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User Reviews	4.3 144 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.	$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.	$82/mo

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Driver Reviews

4.3

Best choiceBased on 298 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 (144)

Warren

Verified Review

Punishment for 65+ years of no problems.

Reviewed in South Carolina on February 1, 2026

I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.

Scott

Verified Review

Poor

Reviewed in Michigan on January 28, 2026

Prices are too high.

Gary

Verified Review

Tornado

Reviewed in Ohio on January 25, 2026

I asked for discounts, but they don't offer any due to tornado damage claims.

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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 consistently offers some of the most competitive rates in Illinois, ensuring drivers get maximum value for their premiums. The company also offers several discounts, including discounts for drivers who bundle policies, pay their premiums in full, and enroll in paperless billing.

Pros

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

• Several available discounts

• Broad network of local independent agents throughout Illinois

Cons

• Below-average J.D. Power customer satisfaction rating in Illinois

• Quotes not available online

• Available in only 26 U.S. states

State Farm

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User Reviews	4.0 6,965 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.	$52/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.	$89/mo

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Driver Reviews

4.0

Best choiceBased on 14,570 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 (6,965)

Lydia

Verified Review

Horrible experience with State Farm

Reviewed in Florida on February 5, 2026

I have had State Farm since I was 16, and it was good. However, in the past year, they have increased my insurance rates significantly for no reason. I have had no accidents, no tickets, and I barely drive more than 5 miles a day. My rate went from $114.00 to $198.00 in 2 months for no reason.

Dan

Verified Review

State Farm Disappointment

Reviewed in South Carolina on February 5, 2026

If you file a claim, your rates will go up, regardless of how good your past record is.

Richard

Verified Review

Excellent

Reviewed in Missouri on February 5, 2026

Very good but like all insurance, expensive.

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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 the largest insurance company by market share and offers competitive rates to Illinois drivers. With a good student discount of up to 25% and its Steer Clear telematics program that can help young drivers save, this insurer is a particularly good choice for teen drivers in Illinois.

Pros

• Above-average J.D. Power customer satisfaction rating in Illinois

• Wide network of local exclusive agents

• Long-standing history in the insurance industry

Cons

• Not as many available discounts as some insurers

• Gap insurance not readily available, unless customer originates a loan through State Farm Bank

• Expensive for high-risk drivers

USAA

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User Reviews	4.9 1,435 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.	9.1 /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.	$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.	$144/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,851 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 (1,435)

Michael

Verified Review

Good and Inexpensive

Reviewed in Georgia on February 4, 2026

Good, cheaper than other quotes.

Paulette

Verified Review

Excellent company has its challenges

Reviewed in Pennsylvania on February 4, 2026

They are very responsive and customer service-oriented; however, they are very expensive. I have been with USAA for more than 30 years but find it increasingly difficult to pay for the car and home insurance while on a fixed income. I wish they were more flexible on their pricing as they are an excellent company. Oh, and trying to reach them on the phone is a frustrating challenge for an older person with all their security measures.

Jesse

Verified Review

The insurance is fine, but it's the other corporate decisions that have me looking for another carrier.

Reviewed in Washington D.C. on February 3, 2026

The insurance is fine, but it's the other corporate decisions that have me looking for another carrier.

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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

USAA offers a variety of insurance policies for active-duty military members, veterans, and their families and is a relatively affordable option for car insurance in Illinois, where nearly 7% of the population are veterans.^[1] You can also save with USAA’s many discounts, including those for safe driving, bundling policies, and installing anti-theft devices in your vehicle.

Pros

• Expansive digital options for policy management

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

• Usage-based insurance available

Cons

• Coverage restricted to members of the military community

• Limited network of local agents in Illinois

• No live 24/7 customer service

Calculate how much your Illinois car insurance might cost

Don’t go into car insurance shopping blind. Use this car insurance calculator to estimate how much you should pay for coverage, based on factors like your age, gender, driving history, credit, and more.

How to get the cheapest car insurance in Illinois

Insurance companies use a variety of individual rating factors to determine car insurance premiums, ranging from age and driving history to the make and model of your vehicle. Understanding what influences your rate is the first step toward snagging the best deal.

Here are a few tips for finding low-cost car insurance in Illinois:

• Bundle policies. Many insurance companies offer discounts if you bundle your auto insurance with other policies, such as homeowners, renters, or life insurance.

• Drive a safe and affordable vehicle. High-end vehicles, sports cars, and cars with poor safety ratings typically cost more to insure.

• Keep a clean driving record. Insurers often reward safe drivers who avoid accidents and traffic violations with lower rates and discounts.

• Compare quotes. Don’t settle for the first quote you get. Insurance companies focus on different rating factors and offer varying discounts, so it’s worth it to get multiple quotes and compare your options.

Find Cheap Car Insurance in Illinois

Rates start at $48 per month for liability coverage

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Cheapest liability-only car insurance quotes in Illinois: Auto-Owners

Liability-only car insurance is a type of policy that covers damages you cause to other people and their property in an accident. It’s the most basic form of auto insurance and the minimum coverage required to operate a vehicle in most states.

Liability-only insurance costs an average of $82 per month in Illinois.

For Illinois residents seeking cheap liability-only car insurance, the table below provides several companies offering the lowest monthly rates.

Cheapest full-coverage car insurance quotes in Illinois: Auto-Owners

Full-coverage car insurance offers broader coverage than liability-only car insurance. In addition to bodily injury and property damage liability, it includes collision coverage, which pays for damage to your car resulting from a collision, and comprehensive coverage, which pays for damage to your car from non-collision-related events, such as theft, vandalism, and natural disasters.

While liability-only car insurance is less expensive than full-coverage car insurance, full coverage is ideal for:

• Drivers with newer or more valuable vehicles where repair and replacement costs would be high

• Drivers with auto loans or leases, as lenders typically require full coverage

• Drivers who want peace of mind knowing they’re covered for a broader range of incidents

Illinois drivers pay $149 per month, on average, for full-coverage policies. For drivers who want full coverage, here’s a look at some top companies offering competitive rates.

Car insurance requirements in Illinois

Illinois requires drivers to carry certain minimum amounts of car insurance to operate a vehicle legally:^[2]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$20,000 per accident
Uninsured/underinsured motorist coverage	$25,000 per person / $50,000 per accident

Drivers who want more protection can usually purchase higher bodily injury and property damage liability limits and should consider the following additional coverages:

• 

  Collision coverage

  In the event of an at-fault accident with another vehicle or stationary object, such as a tree or light pole, collision coverage kicks in to pay for vehicle repair or replacement. It also covers rollover accidents and pothole damage.

• 

  Comprehensive coverage

  Comprehensive insurance offers coverage from theft and damage from non-collision events, like theft, vandalism, fire, flood, hail, or a falling tree.

• 

  Medical payments coverage

  Medical payments insurance covers medical expenses for you and your passengers after an accident, regardless of fault.

• 

  Rental reimbursement coverage

  This pays for the cost of a rental car while your vehicle is being repaired after a covered claim.

• 

  Roadside assistance coverage

  Roadside assistance covers the cost of towing and essential labor (like a tire change or jump-start) if your car breaks down. 

Illinois Auto Insurance Plan

ILAIP

Illinois drivers who can’t find auto insurance elsewhere due to their driving record or the type of vehicle they own may be able to find coverage through the Illinois Auto Insurance Plan (ILAIP).

To participate in the program, Illinois residents must show that they’ve tried and failed to obtain automobile insurance through traditional means within the past 60 days and have a valid driver’s license and a safe vehicle.^[3]

Shop for Car Insurance in Illinois

Monthly rates start at $60 for drivers with an incident

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Cheapest car insurance companies in IL for drivers with an incident

An incident in the context of car insurance refers to at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations that indicate a potential risk to insurance companies.

Insurance companies base rates on risk, and drivers with more incidents on their record are statistically more likely to be involved in future accidents and file claims. Therefore, if you have incidents on your driving record, you’ll likely pay more for car insurance than drivers with clean records.

But some insurers still offer favorable rates to drivers with imperfect records.

Cheapest car insurance quotes for drivers with a speeding ticket: Auto-Owners

Speeding tickets are one of the most common traffic violations drivers face, so while it might not seem like a big deal, they can still affect your car insurance rates. Insurers consider drivers who speed risky, as they’re more likely to be involved in accidents. Insurance companies see this increased risk and adjust rates accordingly.

Illinois drivers with a past speeding ticket pay an average of $147 per month for car insurance. The table below shows the cheapest car insurance companies for Illinois drivers with a speeding ticket.

The below rates in Illinois are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Speeding Ticket
Auto-Owners	$48	$63
State Farm	$52	$66
Progressive	$68	$87
Direct Auto	$71	$90
COUNTRY Financial	$73	$101
GEICO	$78	$103
Erie	$80	$106
The General	$82	$110
USAA	$85	$111
Mercury	$86	$121
GAINSCO	$87	$105
Safeco	$87	$116
Bristol West	$89	$113
National General	$92	$115
American Family	$92	$120
Dairyland	$97	$121
Elephant	$102	$123
Nationwide	$108	$141
Root	$110	$148
Travelers	$117	$153
Farmers	$124	$160
Hugo	$129	$182
Allstate	$130	$170
Liberty Mutual	$141	$181
State Auto	$163	$218

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.

Cheapest car insurance quotes for drivers with an at-fault accident: Auto-Owners

Being involved in a car accident can be a distressing experience. When you’re deemed to be “at fault” for the accident, it implies you were primarily responsible. That can affect your car insurance premiums because it signals to insurance companies that you engaged in behavior — intentionally or not — that resulted in a claim.

Insurance companies anticipate future risks based on past events, so an at-fault accident can lead them to increase your premiums to account for potential future claims.

On average, Illinois drivers with a past at-fault accident pay $154 per month for auto coverage. The following table shows the cheapest car insurance companies for Illinois drivers with an at-fault accident on their driving record.

The below rates in Illinois are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Accident
Auto-Owners	$48	$64
State Farm	$52	$69
Progressive	$68	$91
Direct Auto	$71	$97
COUNTRY Financial	$73	$101
GEICO	$78	$102
Erie	$80	$106
The General	$82	$113
USAA	$85	$114
Mercury	$86	$130
GAINSCO	$87	$112
Safeco	$87	$122
Bristol West	$89	$118
National General	$92	$123
American Family	$92	$124
Dairyland	$97	$128
Elephant	$102	$134
Nationwide	$108	$146
Root	$110	$147
Travelers	$117	$158
Farmers	$124	$166
Hugo	$129	$172
Allstate	$130	$175
Liberty Mutual	$141	$188
State Auto	$163	$223

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.

Cheapest car insurance quotes for drivers with a DUI: Auto-Owners

Driving under the influence (DUI) of alcohol or drugs is a serious offense and can lead to a substantial increase in your car insurance rates. A DUI indicates high-risk behavior to insurance companies, so having one on your record can affect your insurance rates for several years, and remains on your motor vehicle record permanently.

The overall average cost of insurance for a driver with a past DUI in Illinois is $149 per month. The table below shows the car insurance companies offering the most affordable rates for drivers in Illinois with a DUI.

The below rates in Illinois are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With DUI
Auto-Owners	$48	$67
State Farm	$52	$72
Progressive	$68	$88
Direct Auto	$71	$98
COUNTRY Financial	$73	$97
GEICO	$78	$107
Erie	$80	$110
The General	$82	$114
USAA	$85	$118
Mercury	$86	$125
GAINSCO	$87	$121
Safeco	$87	$130
Bristol West	$89	$123
National General	$92	$128
American Family	$92	$128
Dairyland	$97	$135
Elephant	$102	$141
Nationwide	$108	$150
Root	$110	$153
Travelers	$117	$162
Farmers	$124	$172
Hugo	$129	$179
Allstate	$130	$180
Liberty Mutual	$141	$196
State Auto	$163	$226

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.

Cheapest car insurance quotes for seniors: Auto-Owners

Your age has a significant effect on your car insurance rates. Premiums tend to decrease for drivers around age 25, when drivers have gained more experience on the road.

But car insurance rates typically increase again around age 70 due to enhanced accident risk and higher probability of medical treatment for accident-caused injuries. On average, senior drivers pay $96 per month for car insurance.

The table below shows insurance companies offering the cheapest car insurance for seniors in Illinois.

The below rates in Illinois are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quotes: Liability Only	Average Quotes: Full Coverage
Auto-Owners	$37	$64
State Farm	$40	$69
Direct Auto	$56	$106
Progressive	$57	$109
COUNTRY Financial	$58	$98
Erie	$60	$102
GEICO	$61	$105
Mercury	$68	$114
The General	$68	$143
USAA	$68	$115
National General	$71	$136
GAINSCO	$72	$177
American Family	$72	$123
Bristol West	$73	$174
Safeco	$75	$117
Dairyland	$81	$218
Nationwide	$81	$138
Elephant	$83	$136
Root	$91	$155
Travelers	$92	$155
Farmers	$97	$164
Allstate	$104	$177
Liberty Mutual	$116	$167
State Auto	$122	$207

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.

Cheapest car insurance quotes for teens: Auto-Owners

Being a teenager comes with many exciting firsts, including getting behind the wheel of a car. But with this newfound freedom comes expensive car insurance premiums. Teen drivers pay the highest car insurance rates on average because they have the highest accident frequency, and are likely to engage in dangerous driving behaviors.

Teenagers in Illinois pay $244 per month for car insurance, on average.

Teen drivers can keep car insurance affordable by staying on their parents’ insurance, driving a safe car, and taking advantage of good student discounts.

For eager young drivers and parents looking for the best insurance deals, here’s a look at some top contenders.

The below rates in Illinois are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quotes: Liability Only	Average Quotes: Full Coverage
Auto-Owners	$104	$177
State Farm	$109	$186
COUNTRY Financial	$128	$218
Progressive	$144	$278
Direct Auto	$149	$280
GEICO	$152	$261
The General	$156	$330
Erie	$160	$271
USAA	$170	$289
Mercury	$172	$290
Bristol West	$173	$413
GAINSCO	$174	$425
Dairyland	$179	$479
American Family	$188	$319
Safeco	$189	$295
Elephant	$195	$319
National General	$200	$383
Root	$208	$355
Nationwide	$228	$386
Travelers	$260	$441
Farmers	$265	$451
Liberty Mutual	$270	$391
Allstate	$277	$472
State Auto	$422	$718

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.

Illinois car insurance quotes by credit tier

In many states, including Illinois, insurance companies consider your credit history when determining your car insurance premiums.^[4]

Drivers with excellent or good credit generally file fewer claims, so they pay lower premiums. People with poor credit are statistically more likely to file claims, so insurance companies charge them higher premiums.

For Illinois residents wondering how credit tiers affect their monthly premiums, here’s a snapshot of average rates at different credit tiers.

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Car insurance rates across Illinois cities 

Illinois has seen an increase in severe weather in the last decade, causing a higher number of car insurance claims. More claims in an area can cause insurance rates to increase. But some cities have higher risks than others, leading them to have higher car insurance rates. The table below shows the average price of car insurance across several Illinois cities. 

Illinois car insurance FAQs