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
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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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Updated July 25, 2024

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The overall average cost of car insurance in Cicero, Illinois, is $157 per month. This is similar to the monthly state average of $132 but less than the national average of $160 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 $86 a month for liability only and $228 a month for full coverage.

  • Auto-Owners, State Farm, and Hugo 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Auto-Owners8.5$45$29Specialty vehicles
State Farm9.3$49$31Good drivers
Hugo7.0N/A$39Low-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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for specialty vehicles: Auto-Owners

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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.
8.5/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$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.
$54/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

Read more driver reviews of Auto-Owners
Paula - July 23, 2024
Verified

Auto Owners Review

They do not offer savings for low mileage!

Angela - July 23, 2024
Verified

The person I spoke with was very helpful and polite, and did her best to get my rate as low as possible.

The person I spoke with was very helpful and polite, and did her best to get my rate as low as possible.

Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.

Best insurer for good drivers: State Farm

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User Reviews
3.2
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.
$37/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.
$58/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

Read more driver reviews of State Farm
Robert - July 25, 2024
Verified

Upsetting

The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.

Matthew - July 25, 2024
Verified

Abandoned by State Farm

It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.

Janet - July 25, 2024
Verified

Too High

I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.

Best insurer for low-mileage drivers: Hugo

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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.
7.0/10
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.
$46/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.
$108/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

Read more driver reviews of Hugo
Camero - July 22, 2024
Verified

Poor Customer Support and Too Expensive

It's too expensive and I never get a response from them until days later. It's hard to modify your policy. They don’t cover all cars and when you try to talk with someone, they never answer. Very poor insurance company.

Kimberly - July 14, 2024
Verified

I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.

I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.

Jennifer - July 13, 2024
Verified

Rate Increase If You Turn Off and On

I can't say much except that I don't like the rate hike because I didn't use it.

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: Auto-Owners

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 $86 per month. But, Auto-Owners offers the cheapest liability coverage in Cicero for $34 per month.

Here are the cheapest liability-only policies for Cicero drivers.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$34
State Farm$37
Hugo$46
GEICO$50
COUNTRY Financial$52
Mile Auto$55
Erie$57
USAA$61
American Family$65
Mercury$71
Nationwide$77
Direct Auto$79
Travelers$83
Clearcover$84
Farmers$88
Safeco$90
National General$92
Allstate$93
Dairyland$102
Elephant$108
GAINSCO$109
Midvale Home & Auto$112
The General$114
State Auto$117
Bristol West$125
Liberty Mutual$133
Foremost$169
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: Auto-Owners

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 $228 a month. Drivers can find the cheapest full-coverage insurance from Auto-Owners with rates starting at $54 per month for coverage.

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

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$54
State Farm$58
GEICO$77
COUNTRY Financial$81
Mile Auto$81
Erie$88
USAA$94
American Family$101
Hugo$108
Mercury$111
Safeco$125
Nationwide$127
Travelers$128
Clearcover$133
Farmers$138
Midvale Home & Auto$140
Allstate$144
Direct Auto$170
State Auto$188
National General$191
Elephant$199
Liberty Mutual$234
GAINSCO$262
Dairyland$281
Bristol West$307
The General$309
Foremost$385
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.

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 $43 for drivers with an incident

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

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 $228 a month for car insurance. Auto-Owners offers the cheapest liability rates for $45 per month.

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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Auto-Owners$71$45
State Farm$76$48
GEICO$101$66
COUNTRY Financial$109$70
Mile Auto$112$76
Erie$118$77
USAA$123$80
American Family$132$85
Hugo$149$64
Mercury$156$100
Safeco$167$120
Nationwide$168$102
Travelers$169$110
Clearcover$177$112
Farmers$180$115
Allstate$189$122
Midvale Home & Auto$190$152
Direct Auto$224$104
National General$250$121
State Auto$267$166
Elephant$286$155
Liberty Mutual$337$191
Dairyland$371$135
GAINSCO$377$157
Bristol West$401$163
The General$411$152
Foremost$554$243
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: Auto-Owners

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 $239 per month. But, drivers with an at-fault accident can still find cheap rates from Auto-Owners for $47 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Auto-Owners$75$47
State Farm$80$51
GEICO$107$69
COUNTRY Financial$116$74
Mile Auto$120$82
Erie$124$80
USAA$130$84
American Family$139$90
Hugo$145$62
Mercury$163$104
Safeco$168$121
Nationwide$177$107
Travelers$178$116
Farmers$190$121
Clearcover$196$124
Allstate$199$129
Midvale Home & Auto$205$164
Direct Auto$240$112
National General$266$128
Elephant$270$146
State Auto$284$177
GAINSCO$349$145
Liberty Mutual$352$200
Dairyland$388$141
Bristol West$420$171
The General$435$161
Foremost$579$254
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: Auto-Owners

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 $270 a month, but Auto-Owners offers the cheapest rate of $34 per month for drivers with a DUI.

Here are the cheapest insurers in the city for drivers with a DUI.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Auto-Owners$92$58
State Farm$99$63
Mile Auto$124$84
GEICO$131$85
COUNTRY Financial$138$89
Erie$150$97
USAA$160$104
Hugo$163$70
Mercury$171$109
American Family$172$111
Safeco$213$153
Nationwide$216$131
Travelers$218$141
Clearcover$227$143
Farmers$235$150
Midvale Home & Auto$238$191
Allstate$245$158
Direct Auto$290$135
State Auto$320$199
National General$325$157
Elephant$339$184
Liberty Mutual$399$227
GAINSCO$446$186
Dairyland$479$174
Bristol West$523$213
The General$526$194
Foremost$656$288
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: Auto-Owners

Car insurance rates decrease around age 25 but start to increase again around age 70. Age-related issues, like changes to 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 $112 a month for car insurance, but here are the cheapest insurers to start your search.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$25$39
State Farm$27$42
Hugo$30$71
GEICO$37$57
COUNTRY Financial$38$60
Erie$39$61
Mile Auto$39$57
USAA$45$70
American Family$47$73
Mercury$50$78
Nationwide$53$88
Direct Auto$57$122
Travelers$61$93
Clearcover$63$100
Farmers$64$100
National General$67$139
Safeco$69$95
Allstate$70$108
Dairyland$76$209
Elephant$80$148
Midvale Home & Auto$80$100
State Auto$83$134
GAINSCO$84$202
The General$87$235
Bristol West$93$229
Liberty Mutual$100$176
Foremost$123$280
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: Auto-Owners

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 $276 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$58$92
State Farm$62$97
COUNTRY Financial$76$118
GEICO$78$120
Hugo$79$186
Erie$95$147
USAA$100$155
Mile Auto$106$156
American Family$113$175
Mercury$128$200
Nationwide$131$216
Direct Auto$143$307
Travelers$148$228
Farmers$153$240
Allstate$162$250
Clearcover$162$256
Dairyland$168$464
Elephant$176$325
National General$176$365
The General$182$494
Safeco$185$257
GAINSCO$191$460
Midvale Home & Auto$191$239
State Auto$206$331
Bristol West$211$517
Liberty Mutual$242$426
Foremost$297$677
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 $157 a month, which is similar to the state average of $132.

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$82$189
Chicago$93$226
Decatur$71$147
Elgin$81$166
Joliet$78$170
Naperville$74$162
Peoria$78$178
Rockford$73$163
Springfield$79$183
Waukegan$76$155
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 $86 a month for liability only and $228 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."
  2. NHTSA. "Speeding and Aggressive Driving Prevention."
  3. III. "Do auto insurance premiums go up after a claim?."
  4. Illinois Secretary of State. "Illinois 2023 DUI Factbook."
  5. Illinois Department of Insurance. "Credit: How Insurers Use It."
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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