Car Insurance Discounts in Illinois

Illinois car insurance discounts at a glance

Discount Type	Maximum Advertised Savings
Safe driver	22%
Multi-vehicle	25%
Defensive driving course	5%
Good student	35%
Student away at school	10%
Mature driver	10%
Pay in full	12%
Automatic payments	5%
Safety features	10%
Anti-theft device	10%
Multi-policy	40%
Low mileage	25%
Telematics	40%
Occupation	15%
Military	15%
New vehicle	2%

Best companies for discounts in Illinois

To get the most affordable car insurance rates, choose a car insurance company that offers multiple discounts you qualify for. Below, you’ll find some of the best car insurance companies in Illinois for discounts.

GEICO

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User Reviews	4.0 19,739 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$64/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.	$122/mo

Details

4.0

Best choice in IllinoisBased on 19,739 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	4.0	3.1
Value	3.9	2.9

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

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Best in Illinois for

Teen drivers

Cheap rates

Accident forgiveness

Showing 23 reviews from Illinois driversSee all 7,981 GEICO reviews

Stanley

Verified Review

Mostly good, claims can be done better

Reviewed in Illinois on June 22, 2026

Claims are very slow.

Barbara

Verified Review

Coverage was good, price was right

Reviewed in Illinois on June 8, 2026

Haven’t had any reason to interact.

Cheryl

Verified Review

Not a satisfied customer

Reviewed in Illinois on May 22, 2026

I'm not going to keep GEICO. I pay over $300 a month for insurance, and it doesn't even include roadside assistance. I ran out of gas one day and couldn't get anyone to come and help me. I had to get an Uber to the gas station and pay $35 for a gas can just to put a couple of dollars in my car, only to find out I don't have roadside assistance through GEICO.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

641

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO has one of the biggest selections of car insurance discounts in Illinois. The company offers more than 15 discounts, including savings for good students, military personnel, homeowners, policy bundling, auto pay, and more. GEICO customers can also save by enrolling in the DriveEasy telematics program.

Pros

• Excellent selection of auto insurance discounts

• Above-average customer satisfaction rating

• Fewer-than-average number of customer complaints

Cons

• Few insurance agents in Illinois

• Limited car insurance endorsements available

• Higher rates for teen drivers than some competitors

Progressive

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JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	648
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.7 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$58/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.	$111/mo

Details

How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

Based on analysis of verified reviews collected by Insurify

---

Best in Illinois for

Competitive rates

Easy buying process

Telematics program

Showing 53 reviews from Illinois driversSee all 8,808 Progressive reviews

Linda

Verified Review

Mediocre at Best

Reviewed in Illinois on July 24, 2026

The commercials are amusing, but as far as the insurance goes, it’s mediocre. There’s no discount for safe driving or seniors.

Trence

Verified Review

Poor

Reviewed in Illinois on July 24, 2026

Very high rates.

Parker

Verified Review

Rate Increases and Awful for Multiple Vehicles and Drivers

Reviewed in Illinois on July 19, 2026

When we were only insuring one or two people and vehicles, it wasn’t bad. But as soon as we added the rest of our vehicles and drivers, the rates skyrocketed. They wanted $870 a month for four vehicles and four drivers. Allstate, Direct Auto, and another insurer all quoted us $300–$500 for the same policies. I’ll never recommend Progressive again.

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

Safe drivers in Illinois can take advantage of Progressive’s Snapshot telematics program. Snapshot monitors your driving habits and rewards safe driving habits with lower premiums. Progressive advertises an average of $328 in savings with Snapshot. The company also offers a variety of other discounts for additional savings.

Pros

• Snapshot telematics program lowers rates for driving safely

• Offers many coverage options

• Fewer customer complaints than average

Cons

• Low customer satisfaction rating

• Certain discounts can’t be stacked

• Snapshot could increase rates for risky drivers

Liberty Mutual

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User Reviews	3.5 4,247 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.4 /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.	$107/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.	$172/mo

Details

3.5

A solid option in IllinoisBased on 4,247 verified driver reviews and ratings

	Liberty Mutual's score	Industry average
Coverage options	3.6	3.2
Customer service	3.5	3.6
Discounts	3.3	2.9
Policy transparency	3.4	3.1
Value	3.0	2.9

How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

Based on analysis of verified reviews collected by Insurify

---

Best in Illinois for

Numerous discounts

New and financed vehicles

Accident forgiveness

Showing 4 reviews from Illinois driversSee all 1,981 Liberty Mutual reviews

Kelly

Verified Review

Low Rate Insurance

Reviewed in Illinois on April 9, 2026

Unable to communicate with them. I received a ticket for no insurance because I couldn't call, only online.

Angela

Verified Review

Overall a good insurance company

Reviewed in Illinois on February 23, 2026

They have great customer service. They communicate well when handling claims. Their premium price for coverage seems to be higher than other companies when running a comparison.

Mark

Verified Review

Having the Courage to Review and Change

Reviewed in Illinois on January 26, 2026

Saved us a lot of money. We did give up some coverage by way of considerably higher deductibles, but realized that we have only had a couple of claims on our home in 39 years. Also raised auto deductibles because we are debt-free and can cover it nowadays. Please first scan or download snapshots of your current/former insurance companies, but block out the premium costs to their view, so that they have a clear view of what you have. Then explain what you are willing/wanting to change.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

616

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

4.28

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

Liberty Mutual offers 13 car insurance discounts, including savings for good students, homeowners, paperless billing, safe driving, and more. It also offers a special discount to active-duty, retired, and reserve military members. Liberty Mutual also advertises savings of up to $950 for bundling your car and homeowners insurance.

Pros

• Wide variety of car insurance coverage options

• Offers a military discount for active duty, veterans, and reservists

• A (Excellent) financial strength rating from AM Best

Cons

• Above-average number of customer complaints

• More expensive rates than some competitors

• Poor customer satisfaction rating

Largest car insurance discounts available in Illinois

Many of the top car insurance companies in Illinois offer discounts to help you reduce your premium. But available discounts and savings amounts can vary between insurers. 

The table below shows some of the largest car insurance discounts available in the state and who qualifies for each.

Discount Type	Potential Savings	Eligibility Criteria	Illinois Insurer With Largest Discount
Safe driving	Up to 22%	Clean driving record with no accidents for at least one year	GEICO
Multi-vehicle	Up to 25%	Insure more than one car on the same policy	GEICO
Defensive driving course	Up to 5%	Must be at least 50 years old and complete an approved defensive driving course	GEICO
Good student	Up to 35%	Full-time high school student with at least a B GPA, or a recent college graduate younger than 25	COUNTRY Financial
Student away at school	Up to 10%	Must be younger than 23 and attend school more than 100 miles from home without regular access to the insured car	Mercury
Mature driver	Up to 10%	Must have an active AARP membership, be at least 50 years old, and have a valid driver’s license	The Hartford
Pay in full	Up to 12%	Pay your annual premium up front at the beginning of the policy term	Mercury
Automatic payments	Up to 5%	Set up recurring payments from a checking or savings account	Direct Auto
Safety features	Up to 10%	Insure a vehicle equipped with certain safety features, like airbags	Direct Auto
Anti-theft device	Up to 10%	Install an anti-theft system in your vehicle	Direct Auto
Multi-policy	Up to 40%	Purchase car insurance and home insurance from the same insurer	American Family
Low mileage	Up to 25%	Drive fewer than a certain number of miles annually	American Family
Telematics	Up to 40%	Track your driving habits with an app or plug-in device	Nationwide
Occupation	Up to 15%	Available to certain professions, like full-time teachers and first responders	COUNTRY Financial
Military	Up to 15%	Must be active duty, retired, or a member of the National Guard/Reserves	GEICO
New vehicle	Up to 2%	Insure a current model year vehicle	Direct Auto

If you want the biggest savings, consider bundling your auto and home insurance policies, which can save you up to 40%. Most insurance companies offer a multi-policy discount, including GEICO, State Farm, and COUNTRY Financial.

Telematics programs also typically offer significant savings. These programs track your driving habits and can lower your rates for practicing safe driving habits. State Farm, Allstate, and USAA also offer usage-based insurance (UBI) programs. UBI can reduce your premium for driving less often or traveling fewer miles.

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Easiest Illinois car insurance discounts to qualify for

Some car insurance discounts are easier to qualify for than others. For example, many insurers automatically offer a discount if you set your premium to auto-pay or pay up front rather than in monthly installments.

Here are some of the easiest discounts to get in Illinois, along with the qualifications for each.

Discount	Potential Savings	How to Qualify
Multi-vehicle	Up to 25%	Insure more than one vehicle on the same policy
Pay in full	Up to 12%	Pay your yearly premium up front when you purchase your policy or at renewal
Automatic payments	Up to 5%	Automatically deduct your monthly premium from a linked bank account
Anti-theft device	Up to 10%	Equip your car with an anti-theft system
New vehicle	Up to 2%	Insure a current model year vehicle

Car insurance discounts exclusive to Illinois

Illinois drivers aged 55 or older can earn a discount by completing an approved defensive driving course.^[1] The program must provide at least eight hours of instruction and meet the standards of the National Safety Council (NSC) or the Illinois Secretary of State. You can apply the discount to your policy for three years from the date you complete the course.

Not every driver older than 55 in the Prairie State can qualify for the discount. Drivers who have violations on their record within the last year don’t qualify for the discount. Drivers with license revocations or suspensions within the last three years also don’t qualify.

How to maximize your Illinois car insurance discounts

Here are a few tips to help you maximize your savings on car insurance in Illinois:

• Bundle your policies. Purchasing your car insurance and homeowners or renters insurance with the same company could save you significant money.

• Stack multiple discounts. Many insurance companies allow you to stack discounts. Look for insurers that offer multiple discounts you qualify for to maximize your total savings.

• Take advantage of easy discounts. If your insurer offers discounts like auto pay or paperless billing, opting in can lower your premium without much work on your end.

How to apply car insurance discounts to your policy in Illinois

Insurers automatically apply many car insurance discounts when you purchase or renew your policy. But other discounts require you to verify additional information. Here’s a general overview of how to apply car insurance discounts in Illinois:

1. Contact your insurance company. Ask your insurer how to qualify for certain discounts. You should also ask when it’ll apply the discount to your premium.

2. Gather your documentation. Collect any documents your insurer needs to verify your eligibility for a specific discount. For example, you may need to provide a certificate of completion for a defensive driving program or a school transcript for a good student discount.

3. Submit proof to your insurer. Depending on your insurer, you may be able to submit documentation online, through a mobile app, or with your agent.

4. Confirm the discount. Check your next policy statement to confirm that your insurer applied the discount to your account.

Each insurer handles car insurance discounts differently, so if you’re not seeing a discount applied to your policy, contact an insurance agent.

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Cheapest car insurance for Illinois drivers

The average cost of car insurance in Illinois is $161 per month for full coverage and $82 per month for liability-only coverage.

Illinois auto insurance premiums are usually lower than the U.S. national average. But Illinois drivers typically pay higher rates than in some other Midwestern states, like Wisconsin and Iowa.

Car insurance premiums in Illinois have risen sharply over the past several years. Between January 2021 and January 2026, rates increased by more than 53%, according to Insurify data. Insurify projects that car insurance rates in Illinois will go up slightly in 2026.

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

The below rates in Illinois are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT. 

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
Auto-Owners	$40	$74
State Farm	$44	$80
Certainly	$55	$159
Progressive	$58	$111
Country Financial	$61	$111
Direct Auto	$62	$126
The General	$63	$164
GEICO	$64	$122
Erie	$67	$122
First Chicago	$67	$166
USAA	$71	$130
GAINSCO	$75	$199
Safeco	$75	$116
American Family	$76	$140
Mercury	$76	$131
Bristol West	$78	$179
National General	$79	$156
Freedom National	$87	$190
Elephant	$90	$155
Clearcover	$92	$179
Dairyland	$93	$257
First Acceptance	$94	$229
Travelers	$97	$179
Farmers	$104	$190
Root	$105	$165
Liberty Mutual	$107	$172
Allstate	$109	$199
Mendota	$109	$215
State Auto	$137	$250

Disclaimer: Table data sourced from real-time Illinois car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Illinois may vary based on the policy buyer's unique driver profile.

Car insurance discounts in Illinois FAQs