Cheapest Auto Insurance in Cicero, Illinois (2024)

Auto-Owners offers the cheapest car insurance in Cicero, with minimum-coverage policies as low as $34 per month.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated March 26, 2024

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Cheapest recent rates in Illinois

Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $92/mo for full coverage in Illinois.

*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on March 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on March 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The overall average cost of car insurance in Cicero, Illinois, is $150 per month. This is similar to the monthly state average of $129 but less than the national average of $157 a month.

Cicero is a suburb of Chicago and one of the largest municipalities in Illinois. However, despite its proximity to the Windy City, Cicero reported just 198 vehicle thefts in 2021, according to the most recent data available through the FBI’s Crime Data Explorer. By comparison, Champaign, which has a smaller population than Cicero, reported 243 motor vehicle thefts.

Generally, you can expect to find cheaper car insurance rates in locations with lower rates of crime, vehicle theft, and vandalism. And you’ll pay more for auto insurance if you live in a city with higher vehicle crime rates. So Cicero’s fewer thefts could contribute to the city’s low average insurance rates. Here’s how to find the best coverage in Cicero.

Quick Facts
  • The average cost of car insurance in Cicero is $83 a month for liability only and $216 a month for full coverage.

  • Auto-Owners, State Farm, and GEICO are the cheapest insurers for liability-only and full-coverage insurance in Cicero.

  • You can save money and find the best deal on car insurance today by bundling your policies, raising your deductible, and shopping around for auto insurance quotes.

Cheapest car insurance companies in Cicero 

The best auto insurance company for you will depend on your individual situation and needs. But it can be helpful to learn about the cheapest insurers in your area. The following table outlines the cheapest insurance companies in Cicero and the type of driver each company is best for.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Auto-Owners4.0$48$29Specialty vehicles
State Farm4.5$52$31Good drivers
Hugo3.3$81$41Low-mileage drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for specialty vehicles: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$56/mo

Auto-Owners is the best insurance agency for car owners who need to insure a classic or antique car. You can earn a discount if you insure your classic vehicle with another car for daily use.

The company offers multiple ways to save on car insurance — for example, you could earn a discount if you’ve already qualified for life insurance through Auto-Owners. You could also save by paying your premiums on time, requesting a premium quote, and if you have a student attending school more than 100 miles from home without a vehicle.

Pros
  • Classic car insurance and motorcycle insurance available

  • Offers numerous auto insurance discounts

Cons
  • Can’t get a quote online

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

Don - March 23, 2024
Verified

Excellent

Friendly and offers some money-saving options.
Read our Auto-Owners review

Best insurer for good drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$36/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.
$59/mo

Good drivers can save up to 30% on auto insurance by signing up for State Farm’s Drive Safe & Save program. You’ll download the company’s app, and it’ll use your driving information to determine how much of a discount you receive.

State Farm offers numerous coverage options, including roadside assistance, rideshare insurance, rental insurance, and underinsured motorist coverage. The company consistently earns high customer satisfaction ratings from customers and received an above-average J.D. Power rating for auto claims satisfaction.

Pros
  • High J.D. Power customer satisfaction ratings

  • Rideshare insurance available

Cons
  • Gap insurance not available

  • Can’t purchase a policy online

Craig - March 26, 2024
Verified

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

David - March 26, 2024
Verified

Considering Expanding Coverage

I was never informed that my rate would increase every month for some reason. No one told me about it. I received a notice in the mail stating that what I was supposed to pay that month was always 10 or 20 dollars more than it was the previous month. I would have liked to have been informed about this.

Beverly - March 26, 2024
Verified

Unsatisfactory Experience

A kid threw a rock through my window and I was blamed for the claim. What is the purpose of having insurance?
Read our State Farm review

Best insurer for low-mileage drivers: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
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).
NR
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.
$94/mo

Hugo is a new insurance company that launched in January 2021. If you’re looking for non-traditional insurance coverage, Hugo may be a good choice.

The company offers flexible coverage to customers who don’t drive daily and only need liability insurance. You can get started with no money down, flexible micropayments, and pay-as-you go options. However, Hugo probably won’t be the best choice for someone who needs a full-coverage policy or drives every day.

Pros
  • Flexible, on-demand insurance

  • Pay only for the insurance you need

Cons
  • No customizable coverage

  • SR-22 insurance not available

Ronald - March 8, 2024
Verified

Hugo gradually increases prices like other insurance companies

I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.

Leo - March 4, 2024
Verified

Great Option for Liability Coverage

Excellent.

Britany - February 26, 2024
Verified

Excellent

So far, so good.
Read our Hugo review

How to get the cheapest car insurance in Cicero

Auto insurance rates have increased by 17% nationwide between the end of 2021 and June 2023, according to Insurify data. However, you can still find cheap car insurance by using the following strategies:

  • Choose a higher deductible. Your deductible is an out-of-pocket expense you pay before your insurance coverage kicks in. Increasing your deductible from $500 to $1,000 will lower your insurance premiums substantially. Just make sure you have the money to cover your deductible if you need to file a claim.

  • Bundle your policies. Most insurance companies will give you a discount for bundling multiple policies. For example, you could save by bundling your auto insurance with your homeowners insurance or renters insurance.

  • Maintain a good credit score. Research shows that drivers with good credit file fewer insurance claims. So maintaining a good credit score is another way you can lower your insurance costs. Make sure you pay your bills on time and keep your credit utilization ratio below 30%.

  • Shop around. Every insurer looks at slightly different criteria when evaluating you for coverage. The best policy for one driver may not be a good option for someone else. That’s why it’s important to shop around and compare auto insurance quotes from at least three different companies.

Find Cheap Car Insurance in Cicero, Illinois

Rates start as low as $34 per month for a liability policy

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Cheapest liability-only car insurance in Cicero

Liability-only car insurance pays for damages to the other driver’s vehicle and any medical expenses they incur in an accident you cause. However, you’ll have to pay for your own medical bills and to fix your vehicle.

Liability insurance is the minimum amount of coverage you need to drive legally in Illinois. In Cicero, it costs an average of $83 per month. Here are the cheapest liability-only policies for Cicero drivers.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners34
State Farm36
GEICO48
Hugo48
COUNTRY Financial50
Erie55
Mile Auto56
USAA59
American Family64
Safeco67
Mercury70
Clearcover74
Nationwide74
Travelers80
Farmers86
Direct Auto87
Allstate90
Midvale Home & Auto97
State Auto97
GAINSCO101
Elephant105
Dairyland107
The General110
Liberty Mutual113
Bristol West123
Foremost159
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Cicero

Full-coverage insurance includes liability, comprehensive, and collision coverage. Unlike liability insurance, full coverage pays for damages to your vehicle, even if you’re at fault for the accident. A full-coverage policy will also pay to repair or replace in the event of theft, falling objects, vandalism, and more. In Cicero, the average cost of a full-coverage policy is $216 a month.

Here are the cheapest options for full-coverage insurance in Cicero.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners56
State Farm59
Mile Auto79
GEICO80
COUNTRY Financial84
Erie92
Hugo94
USAA98
American Family105
Mercury115
Clearcover121
Safeco126
Travelers126
Nationwide129
Farmers142
Allstate149
Midvale Home & Auto157
Direct Auto171
Liberty Mutual180
State Auto187
Elephant188
GAINSCO222
Dairyland284
The General291
Bristol West298
Foremost363
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Illinois

The state of Illinois law requires that all drivers carry the following minimum insurance:[1]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$20,000 per accident

Minimum insurance coverage won’t be enough for most people, so here are some other coverages to consider adding to your policy:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for repairs or replacement in non-collision incidents, like falling objects, theft, vandalism, weather damage, and more.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for damages if you’re involved in an accident with another car or object. It also pays for pothole damages and rollover accidents.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    Personal injury protection (PIP) will pay for your and your passengers’ medical payments and lost wages from an auto accident.

Cheapest car insurance for drivers with an incident

If you have a history of driving-related incidents, you can expect to pay more for auto insurance. A driving incident includes at-fault accidents, driving under the influence (DUI), speeding tickets, and other moving violations.

However, some insurance companies work with high-risk drivers. So it’s possible to find affordable auto insurance rates, even if you have a history of driving incidents.

Shop for Car Insurance in Cicero, IL

Monthly rates start at $44 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket

Speeding was a factor in 29% of traffic fatalities in 2021.[2] Even if you don’t cause an accident, a speeding ticket signals to insurers that you’re a risky driver and more likely to file a claim, so they increase your rates to offset the risk. In Cicero, drivers with speeding tickets pay an average of $220 a month for car insurance.

If you’ve received a speeding ticket, here are the cheapest auto insurers in the city.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Auto-Owners7546
State Farm7646
GEICO10563
COUNTRY Financial11267
Mile Auto11783
USAA12877
Erie13179
Hugo13469
American Family13985
Travelers167106
Nationwide17098
Clearcover171105
Mercury173105
Safeco18096
Farmers186113
Allstate194117
Direct Auto231118
Elephant248138
Liberty Mutual253159
GAINSCO283129
Dairyland383144
The General393148
Bristol West396163
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

When you file a claim with your insurance company for an at-fault accident, your insurance premiums will increase by a certain percentage. However, the exact percentage will vary depending on your insurer and the severity of the accident.[3] After an at-fault accident, the average car insurance rate in Cicero is $228 per month.

Here are the best car insurance options for drivers with an at-fault accident.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Auto-Owners7847
State Farm8049
GEICO11066
COUNTRY Financial12071
Mile Auto12488
Hugo12966
USAA13581
Erie13681
American Family14588
Travelers175111
Nationwide179102
Mercury180110
Safeco190101
Farmers195118
Clearcover196120
Allstate204124
Direct Auto243124
Elephant261146
Liberty Mutual265167
State Auto281146
GAINSCO300136
Dairyland398150
Bristol West409169
The General413156
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Driving under the influence impairs your vision and judgment, and it’s illegal in Illinois. In 2021, 25% of crash fatalities involved alcohol.[4] The exact penalties for a DUI will depend on your age, your blood alcohol concentration (BAC) level, and other circumstances surrounding your arrest.

If you receive a DUI, your insurer may decide not to renew your policy. But if it does renew your policy, you can expect your premiums to become more expensive. The average car insurance cost after a DUI in Cicero is $258 a month. Here are the cheapest insurers in the city for drivers with a DUI.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Auto-Owners9256
State Farm9659
Mile Auto12992
GEICO13178
COUNTRY Financial13782
Erie13782
Hugo14574
USAA16096
American Family172105
Mercury192117
Clearcover198121
Safeco206109
Travelers206131
Nationwide211121
Farmers232141
Allstate244147
Direct Auto279142
Liberty Mutual294185
State Auto306159
Elephant307172
GAINSCO363165
Dairyland464175
The General476180
Bristol West487201
Foremost593260
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Car insurance rates decrease around age 35 but start to increase again around age 70. Age-related issues like impaired eyesight and hearing affect seniors’ driving capabilities, and they have higher crash mortality rates than younger drivers. But seniors still have relatively affordable rates, especially compared to teens.

Senior drivers in Cicero pay an average of $104 a month for car insurance, but here are the cheapest insurers to start your search.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners2541
State Farm2542
GEICO3558
COUNTRY Financial3763
Erie3864
Mile Auto3956
USAA4372
American Family4676
Nationwide5189
Mercury5286
Safeco5399
Travelers5891
Direct Auto62121
Farmers62102
Clearcover64105
Allstate67110
Elephant76136
GAINSCO76167
Dairyland80212
The General84222
Liberty Mutual85135
Bristol West91220
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Teenage drivers pay more for car insurance because they have less experience behind the wheel. They’re also at higher risk of being involved in a fatal car accident. But teens can reduce their insurance costs in a few ways.

Many insurers offer discounts to young drivers who enroll in an approved defensive driving course and maintain good grades. On average, teens in Cicero pay $262 a month for car insurance. Here are the cheapest insurance companies for teens and younger drivers in the city.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners5693
State Farm61100
COUNTRY Financial70118
GEICO75125
Hugo85167
USAA96160
Erie99166
Mile Auto106150
American Family108177
Safeco119223
Nationwide125218
Mercury128210
Clearcover131215
Travelers143225
Farmers148245
Allstate156259
Direct Auto157310
Dairyland172456
Elephant172308
State Auto172332
The General174460
GAINSCO180396
Liberty Mutual189302
Bristol West202490
Foremost282644
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Cicero car insurance quotes by credit tier

Illinois is one of many states that allows auto insurance companies to consider your credit history.[5] Drivers with bad credit have been shown to file more insurance claims than drivers with excellent or good credit scores. Here’s what you can expect to pay for insurance based on your credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Cicero?

Car insurance in Cicero costs an average of $150 a month, which is similar to the state average of $129.

Insurance rates can vary quite a bit depending on your ZIP code. If you live in a more populous city with higher crime rates, you can expect to pay more for car insurance than someone living in a rural area. Despite Cicero’s safety rating and low crime rates, its proximity to Chicago — which has notoriously expensive car insurance rates — can contribute to the city having near-average costs.

More cities in Illinois

If you live in Cicero, you can expect to pay more for car insurance than most other Illinois cities. Chicago is the only city with a higher average cost for auto insurance than Cicero. Here’s how Cicero compares to other Illinois cities.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Berwyn$78$180
Chicago$92$219
Decatur$71$146
Elgin$79$156
Joliet$76$165
Naperville$73$163
Peoria$77$176
Rockford$72$153
Springfield$78$173
Waukegan$74$151
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cicero car insurance FAQs

Here are the answers to common questions about car insurance in Cicero, Illinois. You can also check out Insurify’s guide on how to shop for quotes.

  • How much is car insurance in Cicero, Illinois?

    The average cost of car insurance in Cicero is $83 a month for liability only and $216 a month for full coverage.

  • Which company has the cheapest car insurance in Cicero?

    The cheapest auto insurer in Cicero is Auto-Owners, with an average cost of as $34 a month. However, the best way to find cheap car insurance is to compare quotes with multiple companies at the same coverage level. Get quotes from at least three insurers to start your search for affordable insurance that meets your needs.

  • What are the best car insurance companies in Cicero?

    Some of the best car insurance companies in Cicero that Insurify identified include State Farm, Auto-Owners, and Hugo. These insurers have solid J.D. Power ratings and good Insurify Quality (IQ) Scores.

  • What is the Illinois minimum car insurance?

    Illinois requires 25/50/20 minimum liability coverage. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $20,000 per accident for property damage liability. All liability policies in Illinois must also include uninsured motorist coverage for bodily injury at the same limits.[1]

  • What is the most important type of car insurance you should buy in Illinois?

    Liability insurance is the most important car insurance coverage you should buy in Illinois. Not only does the state require this type of coverage, but it protects you financially from injuries and damages you cause to others in an at-fault accident.

    The next two important coverages are comprehensive and collision, which pay for your vehicle repairs in various situations, including at-fault accidents.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Illinois Secretary of State. "Mandatory Vehicle Insurance." Accessed September 21, 2023
  2. NHTSA. "Speeding and Aggressive Driving Prevention." Accessed September 21, 2023
  3. III. "Do auto insurance premiums go up after a claim?." Accessed September 21, 2023
  4. Illinois Secretary of State. "Illinois 2023 DUI Factbook." Accessed September 21, 2023
  5. Illinois Department of Insurance. "Credit: How Insurers Use It." Accessed September 21, 2023
Jamie Johnson
Jamie Johnson

Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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