Cheapest Auto Insurance in Illinois (2025)

With an average monthly cost of $124, Illinois drivers have relatively affordable car insurance compared to many other states in the U.S. It’s a good bit cheaper than the national average of $151 per month.

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

6 of the cheapest car insurance companies in Illinois

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

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

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $53/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $57/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $101/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $93/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $87/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $136/mo*
Overall rating 3.9 119 reviews	Overall rating 4.1 6,040 reviews	Overall rating 4.0 6,429 reviews	Overall rating 4.9 1,192 reviews	Overall rating 3.3 6,911 reviews	Overall rating 3.8 1,175 reviews
Value for money 3.4/5	Value for money 3.8/5	Value for money 3.8/5	Value for money 4.9/5	Value for money 3.3/5	Value for money 3.6/5
Customer service 3.8/5	Customer service 4.1/5	Customer service 3.9/5	Customer service 4.7/5	Customer service 3.3/5	Customer service 3.8/5
Claims handling 3.9/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 4.9/5	Claims handling 3.5/5	Claims handling 4.1/5
Special highlight AI-generated from 119 user reviews Cheap rates	Special highlight AI-generated from 6040 user reviews Customer service	Special highlight AI-generated from 6429 user reviews Teen drivers	Special highlight AI-generated from 1192 user reviews Members of the military community	Special highlight AI-generated from 6911 user reviews Competitive rates	Special highlight AI-generated from 1175 user reviews Bundling discounts

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

Auto-Owners

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User Reviews	3.9 119 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$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

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Driver Reviews

3.9

A solid optionBased on 200 verified guest reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

Reviews (119)

Roy

June 5, 2025

Verified Review

I don't have anything to add

Good company, but I didn't care for their premiums going up this year just for liability and roadside service.

Ann

June 1, 2025

Verified Review

Satisfaction

I like paying all at one time.

Jason

May 8, 2025

Verified Review

Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.

Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.

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Our Advice

JD Power

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

646

NAIC Index

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

0.46

A.M. Best

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

A++

Why we picked this company

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

Pros

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

• Several available discounts

• Broad network of local independent agents throughout Illinois

Cons

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

• Quotes not available online

• Available in only 26 U.S. states

State Farm

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User Reviews	4.1 6,040 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$43/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.	$71/mo

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Driver Reviews

4.1

Best choiceBased on 11,257 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,040)

Tammi

June 29, 2025

Verified Review

State Farm is financially greedy

State Farm is ridiculously expensive!

Dorothy

June 28, 2025

Verified Review

State Farm for the average person

My agent is exceptional!

James

June 28, 2025

Verified Review

I wouldn't recommend them because they keep raising rates with every birthday. My car used to cost around $300 every 6 months, now it is over $500 in just 4 years. No claims have been made and no tickets or DUIs, just rate increases.

I wouldn't recommend them because they keep raising rates with every birthday. My car used to cost around $300 every 6 months, now it is over $500 in just 4 years. No claims have been made and no tickets or DUIs, just rate increases.

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Our Advice

JD Power

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

665

NAIC Index

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

0.84

A.M. Best

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

A++

Why we picked this company

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

Pros

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

• Wide network of local exclusive agents

• Long-standing history in the insurance industry

Cons

• Not as many available discounts as some insurers

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

• Expensive for high-risk drivers

USAA

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User Reviews	4.9 1,192 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$70/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.	$116/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,100 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,192)

John

June 17, 2025

Verified Review

USAA Critique

High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.

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Our Advice

JD Power

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

726

NAIC Index

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

1.31

A.M. Best

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

A++

Why we picked this company

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

Pros

• Expansive digital options for policy management

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

• Usage-based insurance available

Cons

• Coverage restricted to members of the military community

• Limited network of local agents in Illinois

• No live 24/7 customer service

How to get the cheapest car insurance in Illinois

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

Here are a few tips for finding cheap car insurance in Illinois:

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

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

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

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

Low-cost car insurance in Illinois

Illinois doesn’t have a program to help low-income drivers find affordable car insurance. But if you’re looking to lower the costs of your auto insurance bill in Illinois, consider comparing car insurance quotes from three to five insurers to find the best deal. Car insurance companies routinely adjust the rates they offer in a given area. Comparing quotes allows you to find the company with the cheapest rates available at the moment. 

Find Cheap Car Insurance in Illinois

Rates start at $40 per month for liability coverage

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4.8/5

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

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

Liability-only insurance costs an average of $83 per month in Illinois.

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

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

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

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

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

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

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

Illinois drivers pay $166 per month, on average, for full-coverage policies. For drivers who want full coverage, here’s a look at some top companies offering competitive rates.

Car insurance requirements in Illinois

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

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

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

• 

  Collision coverage

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

• 

  Comprehensive coverage

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

• 

  Medical payments coverage

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

• 

  Rental reimbursement coverage

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

• 

  Roadside assistance coverage

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

Illinois Auto Insurance Plan

ILAIP

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

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

Cheapest car insurance companies in IL for drivers with an incident

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

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

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

Shop for Car Insurance in Illinois

Monthly rates start at $47 for drivers with an incident

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Based on 3,806+ reviews

4.8/5

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

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

Illinois drivers with a past speeding ticket pay an average of $148 per month for car insurance. The table below shows the cheapest car insurance companies for Illinois drivers with a speeding ticket.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Speeding Ticket
Auto-Owners	$40	$49
State Farm	$43	$51
Progressive	$50	$60
COUNTRY Financial	$60	$73
Erie	$66	$83
Clearcover	$69	$86
Mercury	$70	$92
USAA	$70	$84
Direct Auto	$72	$87
American Family	$76	$93
GEICO	$84	$100
The General	$89	$113
Nationwide	$89	$108
Safeco	$95	$118
Bristol West	$95	$116
National General	$95	$114
Travelers	$96	$117
GAINSCO	$97	$112
Elephant	$100	$116
Dairyland	$102	$123
Farmers	$103	$125
Allstate	$107	$129
Root	$114	$147
Foremost	$126	$156
State Auto	$135	$165
Hugo	$151	$181
Liberty Mutual	$163	$202

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for drivers with an at-fault accident: Auto-Owners

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

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

On average, Illinois drivers with a past at-fault accident pay $161 per month for auto coverage. The following table shows the cheapest car insurance companies for Illinois drivers with an at-fault accident on their driving record.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Accident
Auto-Owners	$40	$51
State Farm	$43	$55
Progressive	$50	$66
COUNTRY Financial	$60	$79
Erie	$66	$85
Clearcover	$69	$99
Mercury	$70	$99
USAA	$70	$90
Direct Auto	$72	$95
American Family	$76	$98
GEICO	$84	$109
The General	$89	$119
Nationwide	$89	$115
Safeco	$95	$129
Bristol West	$95	$122
National General	$95	$121
Travelers	$96	$124
GAINSCO	$97	$121
Elephant	$100	$128
Dairyland	$102	$131
Farmers	$103	$133
Allstate	$107	$137
Root	$114	$150
Foremost	$126	$165
State Auto	$135	$176
Hugo	$151	$197
Liberty Mutual	$163	$213

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for drivers with a DUI: Auto-Owners

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

The overall average cost of insurance for a driver with a past DUI in Illinois is $200 per month. The table below shows the car insurance companies offering the most affordable rates for drivers in Illinois with a DUI.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With DUI
Auto-Owners	$40	$62
State Farm	$43	$66
Progressive	$50	$77
COUNTRY Financial	$60	$92
Erie	$66	$102
Clearcover	$69	$106
Mercury	$70	$109
USAA	$70	$108
Direct Auto	$72	$111
American Family	$76	$117
GEICO	$84	$135
The General	$89	$137
Nationwide	$89	$137
Safeco	$95	$152
Bristol West	$95	$146
National General	$95	$146
Travelers	$96	$148
GAINSCO	$97	$149
Elephant	$100	$154
Dairyland	$102	$157
Farmers	$103	$159
Allstate	$107	$165
Root	$114	$176
Foremost	$126	$194
State Auto	$135	$208
Hugo	$151	$233
Liberty Mutual	$163	$251

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for seniors: Auto-Owners

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

But car insurance rates typically increase again around age 70 due to enhanced accident risk and higher probability of medical treatment for accident-caused injuries. On average, senior drivers pay $103 per month for car insurance.

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

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quotes: Liability Only	Average Quotes: Full Coverage
Auto-Owners	$32	$52
State Farm	$33	$55
Progressive	$36	$89
COUNTRY Financial	$49	$81
Erie	$51	$84
Direct Auto	$56	$116
USAA	$56	$92
Mercury	$57	$105
American Family	$60	$98
Clearcover	$60	$102
Nationwide	$66	$109
GEICO	$70	$98
The General	$71	$156
National General	$72	$143
Travelers	$75	$123
Bristol West	$76	$191
Farmers	$80	$131
GAINSCO	$80	$217
Elephant	$81	$138
Safeco	$81	$132
Dairyland	$82	$211
Allstate	$85	$141
Root	$96	$208
State Auto	$102	$168
Foremost	$105	$299
Liberty Mutual	$135	$225

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for teens: Auto-Owners

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

Teenagers in Illinois pay $262 per month for car insurance, on average.

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

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

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quotes: Liability Only	Average Quotes: Full Coverage
Auto-Owners	$77	$126
State Farm	$86	$143
Progressive	$98	$242
COUNTRY Financial	$99	$164
Erie	$133	$219
Clearcover	$133	$227
USAA	$137	$226
Mercury	$140	$259
American Family	$150	$248
Direct Auto	$151	$315
The General	$164	$360
GEICO	$177	$249
Nationwide	$182	$301
Dairyland	$183	$471
Bristol West	$183	$456
Elephant	$186	$316
GAINSCO	$194	$527
Travelers	$200	$332
National General	$206	$408
Farmers	$207	$340
Safeco	$207	$335
Root	$209	$455
Allstate	$223	$368
Foremost	$256	$726
Liberty Mutual	$314	$527
State Auto	$342	$562

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

Illinois car insurance quotes by credit tier

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

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

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

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4.8/5

Car insurance rates across Illinois cities 

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

Illinois car insurance FAQs