Cheapest Auto Insurance in Decatur, Illinois (2024)

Auto-Owners has the cheapest liability-only car insurance rates in Decatur, at $23 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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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 May 23, 2024

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Cheapest recent rates near Decatur, Illinois

Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $47/mo for full coverage in Decatur and other Illinois cities.

*Quotes generated for Insurify users in and around Decatur, Illinois within the last 10 days. Last updated on May 23, 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Decatur, Illinois within the last 10 days. Last updated on May 23, 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Situated along the Sangamon River and Lake Decatur in Macon County, Decatur is known for its year-round water activities such as swimming, fishing, and water skiing. It’s less populated and has fewer car thefts than other nearby Illinois cities.[1] This could be why Decatur’s average car insurance rates are cheaper than the national average and similar to Illinois’ average rates.

The average cost of car insurance in Decatur is $71 per month for liability only and $151 per month for full coverage.

Quick Facts
  • Auto-Owners, State Farm, and GEICO are the cheapest insurers for liability insurance in Decatur, based on Insurify data.

  • If you’re having trouble locking in car insurance coverage because of a poor driving history, the Illinois Automobile Insurance Plan (ILAIP) can help.

  • Infrequent drivers in Decatur can find cheap rates with Mile Auto.

Cheapest car insurance companies in Decatur

If you’re looking for the cheapest car insurance in Decatur, consider your budget, driving record, and car insurance coverage needs. It’s a good idea to compare multiple auto insurance companies simultaneously to see where you can get a good deal.

To make your search for the right coverage a bit easier, here are some of the best car insurance companies in Decatur and why they stand out.

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
Mile Auto3.7$68$46Low-mileage drivers
USAA4.7$80$48Military members and veterans
State Farm4.6$49$29Young 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 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. 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.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for low-mileage drivers: Mile Auto

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.
3.7
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.
$39/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.
$57/mo

Around 20% of Decatur’s population is made up of seniors who may only drive on an occasional basis. Senior drivers and people working primarily from home may land cheap coverage through Mile Auto. Mile Auto specializes in pay-per-mile insurance and can save you money if you don’t drive often.

Pros
  • Affordable pay-per-mile policies

  • Doesn’t use vehicle-tracking devices

Cons
  • No mobile app available

  • Limited coverage options

Best insurer for military members and veterans: USAA

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.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$40/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.
$66/mo

According to a 20172021 U.S. Census Bureau estimate, more than 4,000 veterans call Decatur home. Veterans and military members in the area can find cheap car insurance rates with USAA. The company specifically serves the military community with auto insurance and other insurance products and financial services.

Pros
  • Offers a usage-based car insurance program

  • High J.D. Power customer satisfaction rating in the North Central region

Cons
  • Restrictive membership requirements

  • Gap insurance not available

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

Best insurer for young 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.
4.6
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.
$24/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.
$40/mo

Decatur is home to many students from Millikin University and Richland Community College. State Farm offers a variety of discounts for these types of drivers, like a good student discount and driver training discount. These discounts can help students and young drivers save money on car insurance in Decatur.

Pros
  • Discounts available for teens and young drivers

  • Rental car and travel expenses coverage available

Cons
  • Doesn’t offer gap insurance

  • Can’t purchase car insurance online

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

How to get the cheapest car insurance in Decatur

It’s not only important to do your research before buying a policy, but it’s important to take steps to get the cheapest rates possible for you.

Here are some tips to help you find the best car insurance coverage and cheapest Decatur car insurance rates:

  • Shop around. Get quotes from at least three car insurers to zero in on the right policy for your unique situation. Compare different rates, coverage options, and company reviews. You can use an independent insurance agent in Decatur or an online quote-comparison platform.

  • Look for discounts. Most car insurance agencies offer discounts that can lower the cost of your auto policy and help you secure the best insurance. The good student discount, loyalty discount, and anti-theft device discount are some popular discounts.

  • Bundle insurance. If you pair your auto insurance with homeowners insurance, renters insurance, or life insurance with the same company, you can usually save some money on your car insurance costs.

  • Consider usage-based insurance. Usage-based insurance is worth exploring if you’re an infrequent driver. You’ll only pay for the miles you drive plus a monthly base rate.

Find Cheap Car Insurance in Decatur, Illinois

Liability quotes start at $23 per month

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Cheapest liability-only car insurance in Decatur: Auto-Owners

To drive legally in Decatur and other cities in Illinois, you must purchase at least liability car insurance, which helps pay for the other party’s property damage and medical expenses after an at-fault accident.

Compared to other types of car insurance, liability coverage tends to be the cheapest. The most affordable car insurer for a liability-only policy in Decatur is Auto-Owners, at $23 per month.

The table below shows the cheapest car insurance companies for liability-only coverage in Decatur.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners23
State Farm24
GEICO33
COUNTRY Financial34
Hugo34
Erie38
Mile Auto39
USAA40
American Family43
Mercury48
Nationwide51
Travelers55
Direct Auto56
Safeco56
Clearcover57
Farmers59
Allstate61
National General66
Midvale Home & Auto67
State Auto71
Dairyland72
GAINSCO75
Elephant76
The General80
Liberty Mutual86
Bristol West88
Foremost119
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 Decatur: Auto-Owners

Full-coverage car insurance is typically optional in Decatur and usually consists of liability, collision, and comprehensive coverages. It can provide you with additional protection and peace of mind for vehicle damages in various situations. Also, if you have a loan or lease on your vehicle, your lender will likely require it.

The average cost of full-coverage car insurance in Decatur is $151 per month. The table below shows the lowest rates for full-coverage auto insurance policies in Decatur.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners38
State Farm40
GEICO55
COUNTRY Financial57
Mile Auto57
Erie62
USAA66
American Family71
Hugo71
Mercury78
Safeco79
Travelers91
Clearcover92
Nationwide93
Farmers97
Allstate102
Midvale Home & Auto108
Direct Auto119
National General121
State Auto130
Elephant138
Liberty Mutual142
GAINSCO174
Dairyland198
Bristol West216
The General216
Foremost269
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

Because Illinois is an at-fault — or tort — state, you have to cover the property damage and injury costs of the other driver and passengers if you’re responsible for a car accident. After you purchase at least the minimum-required liability insurance, be sure to keep your policy handy while you drive. Otherwise, you might face legal and financial consequences for not showing proof of insurance.

Here are the car insurance requirements in Illinois:[2]

CoverageMinimum Requirements
Bodily injury liability$20,000 per person / $50,000 per accident 
Property damage liability$20,000 per accident
Uninsured motorist bodily injury coverage$20,000 per person / $50,000 per accident

You might want to go beyond the minimum Illinois car insurance requirements and purchase additional coverage that can protect you in certain situations.

Here are a few insurance coverages to consider:

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

    Comprehensive coverage

    Comprehensive insurance covers damages to your vehicle from fire, theft, and other non-collision events.

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

    Collision coverage

    Collision coverage pays to repair or replace your vehicle if you hit another driver’s vehicle or stationary object, no matter who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap coverage pays for the difference between your auto loan balance and the insurance settlement in case of a total loss.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance can be helpful if your vehicle suddenly breaks down and you need help. It covers towing, tire changes, dead-battery jumps, and other related issues.

Illinois Automobile Insurance Plan

illustration card https://a.storyblok.com/f/162273/150x150/e6724dbabb/states_illinois.svg

ILAIP

The Illinois Automobile Insurance Plan (ILAIP) offers car insurance to drivers who wouldn’t be able to purchase it otherwise. It might be an option if you’ve been denied coverage because of a violation on your record, like driving under the influence (DUI) or driving without insurance.

To get approved for an auto policy under ILAIP, you’ll need to prove you’ve had no success qualifying for coverage elsewhere within the past 60 days.

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and DUI convictions are a few examples of incidents that can increase car insurance premiums. Auto insurance companies consider drivers with these types of incidents on their driving records as high-risk drivers and, in turn, charge more to mitigate the risk. The best way to avoid costly premiums and lock in the lowest price is to maintain a clean record.

Here are the average car insurance quotes in Decatur based on driving history.

Shop for Car Insurance in Decatur, IL

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

Illinois takes speeding seriously. The state police measure driver speed through a variety of devices, like hand-held radar, moving radar, and pacing devices.[3] Because speeding can make it a challenge to react safely and avoid an accident, Decatur drivers who speed typically face higher car insurance rates.

The average cost of car insurance for drivers with a speeding ticket in Decatur is $104 per month for liability insurance.

Here are the cheapest auto insurers in Decatur for drivers with a speeding ticket.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners2330
State Farm2431
GEICO3343
COUNTRY Financial3445
Hugo3447
Erie3851
Mile Auto3955
USAA4052
American Family4356
Mercury4867
Nationwide5168
Travelers5573
Direct Auto5674
Safeco5675
Clearcover5776
Farmers5977
Allstate6180
Midvale Home & Auto6791
State Auto71101
Dairyland7295
GAINSCO75108
Elephant76110
The General80106
Liberty Mutual86124
Bristol West88115
Foremost119172
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

After a serious or fatal accident, the City of Decatur Police Department turns to the Fatal Accident Investigation Team (FAIT) to perform an investigation. If you cause an accident in the city, car insurance companies will likely consider you a high-risk driver and charge you higher premiums as a result.

Decatur drivers with an accident on their records pay an average of $108 per month for liability car insurance.

Here’s a look at the most affordable insurance for Decatur drivers with at-fault accidents on their records.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners2332
State Farm2433
GEICO3346
COUNTRY Financial3448
Hugo3446
Erie3853
Mile Auto3959
USAA4055
American Family4359
Mercury4870
Nationwide5171
Travelers5576
Direct Auto5679
Safeco5675
Clearcover5783
Farmers5981
Allstate6184
Midvale Home & Auto6797
State Auto71108
Dairyland7299
GAINSCO75100
Elephant76103
The General80112
Liberty Mutual86129
Bristol West88119
Foremost119179
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

In 2021, the Illinois Secretary of State recorded more than 21,000 DUI arrests.[4] A DUI conviction in Illinois usually leads to fines, jail time, and a license suspension.

To reinstate your license after a DUI, you may also need to file an SR-22 insurance form with the state, per the state of Illinois, and can expect higher premiums or difficulty securing coverage.

Drivers with DUIs pay an average of $122 per month for car insurance in Decatur. This table shows the cheapest car insurance companies for drivers with a DUI in Decatur.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners2339
State Farm2441
GEICO3356
COUNTRY Financial3458
Hugo3458
Erie3865
Mile Auto3960
USAA4068
American Family4373
Mercury4874
Nationwide5187
Travelers5594
Direct Auto5695
Safeco5695
Clearcover5797
Farmers59100
Allstate61104
Midvale Home & Auto67114
State Auto71121
Dairyland72123
GAINSCO75128
Elephant76129
The General80136
Liberty Mutual86146
Bristol West88150
Foremost119203
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

Age-related physical and mental impairments can make it more difficult for seniors in Decatur to drive safely and avoid accidents.[5] That’s why average premiums usually decrease around age 35 and pick back up again around age 70.

Senior drivers in Decatur pay an average of $50 per month for car insurance, but here are the cheapest car insurance companies in the city.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners1727
State Farm1728
Hugo2246
GEICO2440
COUNTRY Financial2541
Erie2642
Mile Auto2740
USAA2948
American Family3151
Mercury3354
Nationwide3564
Direct Auto4084
Travelers4066
Safeco4159
Clearcover4268
Farmers4269
Allstate4575
Midvale Home & Auto4775
State Auto5092
Dairyland53146
Elephant55100
GAINSCO56131
The General61163
Liberty Mutual62103
Bristol West65159
Foremost85193
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

Compared to older drivers, teens and young drivers have less driving experience and limited knowledge. For this reason, car insurance companies usually charge them higher rates. 

To save on an auto policy, teens can stay on their parents’ insurance or lock in student-specific discounts. In Decatur, teen drivers pay an average of $124 per month for car insurance.

Here’s a look at the average monthly car insurance quotes for young adults and teen drivers in Decatur.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners3964
State Farm4067
COUNTRY Financial4982
GEICO5185
Hugo58122
Erie63103
USAA65108
American Family74123
Mile Auto74109
Mercury86140
Nationwide86156
Travelers98161
Direct Auto101214
Farmers102168
Allstate105176
Clearcover109176
Midvale Home & Auto115185
Safeco116163
Dairyland119327
Elephant124224
State Auto124227
The General128344
GAINSCO132307
Bristol West148362
Liberty Mutual158261
Foremost208469
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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Decatur car insurance quotes by credit tier

Insurance companies believe that drivers with good to excellent credit are less risky and usually file fewer claims than drivers with poor credit. Because of this, some car insurers consider credit scores to help them determine premiums.

While some states ban the use of credit scores in determining premiums, Illinois allows companies to do so.[6] The chart below shows that Decatur drivers with excellent credit pay $100 per month, on average, while drivers with poor credit pay an average of $178 per month.

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 Decatur?

Overall car insurance premiums for Decatur drivers are cheaper than the national average of $160 per month.

Rates can vary by ZIP code and city within Illinois due to factors like population, crime rates, weather conditions, and the number of uninsured drivers.[7] For example, Chicago has notoriously expensive car insurance premiums, especially compared to smaller cities like Decatur.

More cities in Illinois

Here’s a look at the average quotes for coverage in other Illinois cities compared to Decatur.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Aurora$78$180
Berwyn$79$190
Chicago$93$226
Cicero$86$239
Elgin$80$164
Joliet$77$169
Naperville$74$166
Peoria$77$176
Rockford$73$163
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.

Decatur car insurance FAQs

Read Insurify’s guide on how much coverage you need, and check out the answers to frequently asked questions about car insurance in Decatur.

  • How much is car insurance in Decatur?

    The average cost of car insurance in Decatur is $71 per month for liability only and $151 per month for full coverage.

  • Which company has the cheapest car insurance in Decatur?

    Auto-Owners, State Farm, and GEICO are the cheapest insurers for liability insurance in Decatur, with rates of $23, $24, and $33, per month, respectively.

    However, the best way to find the lowest rates for your situation is to compare quotes with at least three insurance companies and see which one can offer you the best deal for car insurance.

  • What are the best car insurance companies in Decatur?

    Some of Decatur’s best car insurance companies are Mile Auto, State Farm, and USAA. These companies have solid car insurance coverage offerings, good customer satisfaction ratings, and strong AM Best financial strength ratings.

  • How much does car insurance cost per month in Illinois?

    The average cost of car insurance in Illinois is $79 per month for liability coverage and $185 per month for full coverage.

  • What are the minimum car insurance requirements in Illinois?

    Illinois requires 20/50/20 minimum car insurance coverage. This translates to $20,000 per person and $50,000 per accident for bodily injury liability coverage and $20,000 per accident for property damage liability coverage. Illinois also requires uninsured motorist bodily injury coverage for the same limits.[2]

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. Federal Bureau of Investigation. "Crime Data Explorer."
  2. Illinois Secretary of State. "Mandatory Vehicle Insurance."
  3. Illinois State Police. "Traffic and Safety."
  4. Illinois Secretary of State. "2023 Illinois DUI Fact Book."
  5. III. "Senior driving safety and insurance tips."
  6. Illinois Department of Insurance. "Credit: How Insurers Use It."
  7. III. "What determines the price of an auto insurance policy?."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

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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