120+ more*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on April 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on April 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
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Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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Illinois has fairly cheap car insurance rates. Drivers in the Prairie State pay an average of $81 per month for liability coverage and $159 per month for full coverage. Compare that to the national averages of $97 and $183, respectively.
We analyzed average rates for 120+ auto insurance companies in Illinois to help you find the most affordable coverage. The table below shows the cheapest companies in Illinois for different drivers, according to Insurify data.
Driver Category | Cheapest Insurance Company in Illinois | Cheapest Monthly Quote in IL |
|---|---|---|
| Overall | Auto-Owners | $45 |
| State minimum coverage | Auto-Owners | $45 |
| Full coverage | Auto-Owners | $86 |
| Drivers with a clean record | Auto-Owners | $45 |
| After a speeding ticket | Auto-Owners | $59 |
| After an at-fault accident | Auto-Owners | $61 |
| After a DUI | Auto-Owners | $63 |
| Teen/new drivers | Auto-Owners | $97 |
| Seniors | Auto-Owners | $35 |
| Bad credit | Auto-Owners | $67 |
Liability-only insurance meets Illinois’ minimum-coverage requirements. It’s one of the cheapest ways to get auto coverage so you can legally drive, but it doesn’t offer much protection. It covers only injuries and damages you cause to someone else in an accident, not your own.
Illinois drivers pay an average of $81 per month for liability-only insurance. But several insurance companies offer even lower premiums.
Auto-Owners currently offers the cheapest liability-only car insurance in Illinois, with rates averaging $45 per month. The table below lists the cheapest car insurance companies in Illinois, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $45 |
| State Farm | $48 |
| Certainly | $63 |
| COUNTRY Financial | $68 |
| Progressive | $69 |
| Direct Auto | $71 |
| GEICO | $72 |
| Erie | $74 |
| The General | $74 |
| First Chicago | $76 |
| USAA | $79 |
| Mercury | $82 |
| GAINSCO | $85 |
| American Family | $85 |
| Safeco | $86 |
| Bristol West | $90 |
| National General | $92 |
| Dairyland | $98 |
| Freedom National | $100 |
| Nationwide | $100 |
| Elephant | $104 |
| Insurify Car | $105 |
| Clearcover | $108 |
| Travelers | $108 |
| First Acceptance | $109 |
| Farmers | $115 |
| Root | $118 |
| Allstate | $121 |
| Liberty Mutual | $124 |
| Mendota | $125 |
| Hugo | $130 |
| State Auto | $151 |
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Britney Balk
Customer Service Supervisor, Insurify
Liability-only insurance might not be enough if you cause a serious accident in Illinois. Medical bills and repair costs can quickly exceed the state’s 25/50/25 minimum requirements. You’d have to pay the difference out of pocket.
You should consider increasing your liability limits to make sure you have enough coverage. You can also buy a full-coverage car insurance policy. Full coverage gives you more financial protection if you cause an accident. It even helps pay for your injuries and vehicle repairs.
If you want the most financial protection in an accident, you’ll need full-coverage car insurance. Full coverage includes liability insurance, plus collision and comprehensive coverage. It covers not only the other driver in an accident, but also helps pay for your injuries and damages.
In Illinois, the average full-coverage premium costs $159 per month. But some insurance companies offer lower premiums.
Below, you’ll find the cheapest full-coverage car insurance companies in Illinois, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $86 |
| State Farm | $93 |
| COUNTRY Financial | $130 |
| Safeco | $137 |
| Erie | $142 |
| GEICO | $142 |
| Progressive | $143 |
| Direct Auto | $143 |
| Mercury | $148 |
| USAA | $151 |
| American Family | $163 |
| Elephant | $177 |
| National General | $180 |
| Certainly | $186 |
| Nationwide | $192 |
| Root | $194 |
| The General | $194 |
| First Chicago | $196 |
| Liberty Mutual | $203 |
| Clearcover | $206 |
| Travelers | $207 |
| Bristol West | $212 |
| Farmers | $221 |
| Freedom National | $227 |
| GAINSCO | $227 |
| Allstate | $232 |
| Mendota | $252 |
| First Acceptance | $263 |
| Dairyland | $274 |
| State Auto | $291 |
*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on April 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on April 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you’re in Illinois and need flexible car insurance, you should consider Insurify Car. Most insurers require you to sign up for coverage for six or 12 months. But with Insurify Car, you can get insurance for your vehicle with no long-term commitment.
Insurify Car is great if you need immediate coverage and only want to pay a small up-front premium. It’s also good if you don’t drive often.
With Insurify Car, you can get short-term coverage that meets Illinois’ minimum insurance requirements for as little as $23 per week.
Illinois’ average car insurance premiums are typically lower than the national average. But some companies offer even cheaper rates. Below, you can learn more about three of the best car insurance companies in Illinois.
| User Reviews | 4.3 |
|---|---|
| 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. | $45/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. | $86/mo |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
If you have average credit, Auto-Owners could be a good car insurance company for you. The company has affordable rates in Illinois. It also has a wide variety of coverage options and discounts for Illinois drivers, so you can get the coverage you need at a price you can afford.
But Auto-Owners may not be the best choice if you want digital convenience. You can get a quote only through an agent, and the company’s mobile app has mixed ratings.
Low rates for Illinois drivers with average credit
Various discounts available
Many coverage options
Must work with an agent for a quote
Low Trustpilot rating
Mobile apps have mixed ratings
| 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. | 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. | $48/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $93/mo |
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.
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.
If you drive for Uber, Lyft, or another rideshare service in Illinois, you should consider State Farm. The company offers some of the lowest monthly premiums for Illinois rideshare drivers. But be careful if you financed your car. State Farm doesn’t offer gap insurance in Illinois to cover the difference between your vehicle’s value and your loan balance if you total it.
Low rates for Illinois rideshare drivers
Above-average customer satisfaction ratings in Illinois
Various discounts available
Gap insurance not available
Low Trustpilot ratings
Fewer optional coverages than competitors
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | $69/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. | $143/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
For Illinois drivers in their 20s, Progressive can be a great choice for car insurance. The company has some of the lowest premiums for drivers in this age range. Plus, Progressive offers various discounts for Illinois students.
The big drawback with Progressive is its high number of customer complaints. It also has low claim satisfaction ratings in Illinois.
Low rates for Illinois drivers in their 20s
Several student discounts available
Many coverage options
Higher-than-average number of customer complaints
Low Trustpilot ratings
Below-average customer and claims satisfaction ratings in Illinois
Though car insurance costs are trending downward in several states, Insurify analysts predict that average annual premiums in Illinois will cost $1,793 by the end of 2026, up from $1,786 in 2025. The rise in rates is partly due to an increase in distracted driving-related accidents and more frequent severe weather events.
Average car insurance premiums change constantly. Insurance market conditions, the risk landscape, and other factors fluctuate, and insurers adjust rates accordingly.
The graph below shows how average insurance rates in Illinois have changed in the last five years, according to Insurify data.
Compare rates in the Land of Lincoln, starting at $45 per month
Like most U.S. states, Illinois requires drivers to have a minimum amount of liability insurance to get behind the wheel.
The table below lists the amounts of bodily injury liability and property damage liability coverage Illinois drivers must have before they can legally drive on state roads.[1]
Coverage Type | Coverage Amount |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $20,000 per accident |
Car insurance rates vary depending on where you live in Illinois. Moline, Bloomington, and Decatur have some of the cheapest auto insurance rates in the state. But Chicago, Skokie, and Evanston have the most expensive premiums.
The table below shows the average premiums for various Illinois cities, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Aurora | $118 |
| Berwyn | $137 |
| Chicago | $166 |
| Cicero | $155 |
| Decatur | $106 |
| Elgin | $118 |
| Joliet | $124 |
| Naperville | $109 |
| Peoria | $115 |
| Rockford | $114 |
| Springfield | $125 |
| Waukegan | $119 |
For people with clean driving records, Auto-Owners and State Farm offer some of the lowest premiums in Illinois, according to Insurify data.
Below, you’ll find the full breakdown of the cheapest insurance options for Illinois drivers with a clean record, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $42 |
| State Farm | $45 |
| Certainly | $63 |
| COUNTRY Financial | $63 |
| Direct Auto | $66 |
| Erie | $68 |
| Progressive | $69 |
| GEICO | $69 |
| The General | $69 |
| USAA | $75 |
| First Chicago | $76 |
| GAINSCO | $79 |
| Mercury | $79 |
| American Family | $82 |
| Bristol West | $86 |
| Safeco | $90 |
| Dairyland | $91 |
| National General | $92 |
| Nationwide | $93 |
| Elephant | $98 |
| Freedom National | $99 |
| Travelers | $101 |
| Insurify Car | $104 |
| Clearcover | $108 |
| First Acceptance | $108 |
| Farmers | $108 |
| Root | $116 |
| Allstate | $119 |
| Mendota | $124 |
| Liberty Mutual | $127 |
| Hugo | $128 |
| State Auto | $137 |
Speeding up to 25 mph over the posted limit comes with a $164 fine in Illinois. Speeding 26 mph or more over the limit is a Class B misdemeanor.[2]
Illinois drivers who have speeding tickets can find cheap insurance with Auto-Owners or State Farm.
See the table below for a full list of the cheapest insurance companies for Illinois drivers with speeding tickets, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $59 |
| State Farm | $62 |
| Certainly | $81 |
| Progressive | $88 |
| Direct Auto | $90 |
| COUNTRY Financial | $93 |
| GEICO | $95 |
| First Chicago | $97 |
| Erie | $99 |
| The General | $100 |
| USAA | $103 |
| GAINSCO | $103 |
| American Family | $111 |
| Safeco | $114 |
| Bristol West | $115 |
| Mercury | $115 |
| National General | $118 |
| Dairyland | $123 |
| Elephant | $126 |
| Freedom National | $128 |
| Nationwide | $131 |
| Insurify Car | $134 |
| Clearcover | $139 |
| First Acceptance | $139 |
| Travelers | $142 |
| Farmers | $149 |
| Allstate | $159 |
| Root | $159 |
| Liberty Mutual | $160 |
| Mendota | $160 |
| Hugo | $167 |
| State Auto | $203 |
The number of car crashes in Illinois has steadily increased in recent years, with 303,913 crashes involving motor vehicles in 2024.[3] [4]
Illinois drivers with an at-fault accident on their record pay a monthly average of $111 for liability policies.
Here are the companies in Illinois that offer the lowest rates for people with accidents on their driving record, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $61 |
| State Farm | $65 |
| Certainly | $86 |
| Progressive | $94 |
| COUNTRY Financial | $95 |
| GEICO | $96 |
| Direct Auto | $98 |
| Erie | $100 |
| First Chicago | $104 |
| The General | $104 |
| USAA | $108 |
| GAINSCO | $111 |
| American Family | $116 |
| Bristol West | $121 |
| Safeco | $122 |
| Mercury | $125 |
| National General | $126 |
| Dairyland | $132 |
| Freedom National | $137 |
| Nationwide | $137 |
| Elephant | $138 |
| Insurify Car | $144 |
| Travelers | $148 |
| First Acceptance | $149 |
| Farmers | $156 |
| Clearcover | $157 |
| Root | $161 |
| Allstate | $165 |
| Liberty Mutual | $168 |
| Mendota | $171 |
| Hugo | $176 |
| State Auto | $210 |
More than 20% of all fatal crashes in Illinois involve alcohol, according to Illinois Department of Transportation data.
Driving under the influence (DUI) convictions make you riskier to insure, and companies will charge you higher rates. People with DUIs in Illinois pay $112 per month, on average, for liability insurance.
Some insurers specialize in working with high-risk drivers. Here are Illinois’ cheapest insurance companies for drivers with a DUI, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $63 |
| State Farm | $68 |
| Certainly | $87 |
| COUNTRY Financial | $94 |
| Progressive | $95 |
| Direct Auto | $100 |
| GEICO | $101 |
| The General | $101 |
| Erie | $104 |
| First Chicago | $105 |
| USAA | $111 |
| GAINSCO | $120 |
| American Family | $120 |
| Mercury | $122 |
| Bristol West | $127 |
| National General | $127 |
| Safeco | $129 |
| Dairyland | $138 |
| Freedom National | $138 |
| Nationwide | $141 |
| Insurify Car | $145 |
| Elephant | $147 |
| First Acceptance | $150 |
| Clearcover | $152 |
| Travelers | $152 |
| Farmers | $162 |
| Root | $168 |
| Allstate | $171 |
| Mendota | $172 |
| Liberty Mutual | $175 |
| Hugo | $183 |
| State Auto | $204 |
High-risk drivers sometimes need an SR-22 certificate, which shows they have the minimum insurance required by law. Illinois requires drivers to keep an SR-22 on file for three years.[5]
Drivers in Illinois with an SR-22 often pay higher premiums because they’re riskier to insure. Liability coverage for drivers with an SR-22 requirement averages $98 per month in Illinois.
If you need an SR-22 certificate, here are the car insurers that offer the cheapest premiums in Illinois, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $54 |
| State Farm | $58 |
| Certainly | $76 |
| COUNTRY Financial | $82 |
| Progressive | $83 |
| Direct Auto | $86 |
| GEICO | $87 |
| Erie | $90 |
| The General | $90 |
| First Chicago | $92 |
| USAA | $96 |
| Mercury | $99 |
| GAINSCO | $103 |
| American Family | $103 |
| Safeco | $104 |
| Bristol West | $109 |
| National General | $111 |
| Dairyland | $119 |
| Freedom National | $121 |
| Nationwide | $121 |
| Elephant | $126 |
| Insurify Car | $127 |
| Clearcover | $131 |
| Travelers | $131 |
| First Acceptance | $132 |
| Farmers | $139 |
| Root | $143 |
| Allstate | $146 |
| Liberty Mutual | $150 |
| Mendota | $151 |
| Hugo | $157 |
| State Auto | $183 |
View quotes from top insurers in the Prairie State and save money in seconds
Illinois teens can get a learner’s permit at age 15 and driver’s license at 16. As part of the initial licensing phase, drivers ages 16–17 have nighttime restrictions, and they must maintain a clean driving record for six months before turning 18 before reaching full licensing status.[6]
Teen drivers typically pay the highest auto insurance rates of any age group because they lack experience — liability policies for Illinois teens average $168 per month.
The table below shows the cheapest car insurers for teen drivers in Illinois, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $97 |
| State Farm | $99 |
| COUNTRY Financial | $118 |
| Certainly | $130 |
| GEICO | $140 |
| The General | $142 |
| Progressive | $143 |
| Erie | $146 |
| Direct Auto | $147 |
| USAA | $156 |
| First Chicago | $157 |
| Mercury | $160 |
| GAINSCO | $163 |
| Bristol West | $171 |
| American Family | $172 |
| Dairyland | $183 |
| Safeco | $186 |
| Clearcover | $191 |
| National General | $191 |
| Elephant | $198 |
| Freedom National | $207 |
| Nationwide | $208 |
| Insurify Car | $217 |
| Root | $221 |
| First Acceptance | $226 |
| Liberty Mutual | $233 |
| Travelers | $239 |
| Farmers | $245 |
| Allstate | $255 |
| Hugo | $256 |
| Mendota | $259 |
| State Auto | $387 |
In Illinois, the crash rate for drivers 75 and older is 24.61 per 1,000 drivers, which is lower than every age range of drivers between 16 and 74 years old, Illinois Department of Transportation data shows.
Senior drivers tend to pay lower insurance premiums than other age groups — liability policies average $68 per month for Illinois seniors.
Check the following table for the cheapest insurance companies for Illinois seniors, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $35 |
| State Farm | $37 |
| Certainly | $53 |
| COUNTRY Financial | $53 |
| Erie | $56 |
| GEICO | $57 |
| Direct Auto | $57 |
| Progressive | $58 |
| The General | $62 |
| USAA | $63 |
| First Chicago | $64 |
| Mercury | $64 |
| American Family | $67 |
| GAINSCO | $72 |
| Safeco | $74 |
| Bristol West | $74 |
| Nationwide | $76 |
| National General | $78 |
| Dairyland | $82 |
| Freedom National | $84 |
| Elephant | $84 |
| Travelers | $85 |
| Insurify Car | $89 |
| Farmers | $90 |
| First Acceptance | $92 |
| Clearcover | $95 |
| Allstate | $97 |
| Root | $98 |
| Liberty Mutual | $102 |
| Mendota | $106 |
| Hugo | $112 |
| State Auto | $113 |
Illinois allows insurers to use your credit history when pricing your car insurance policy. Your credit can affect both your premiums and your ability to qualify for coverage.[7]
If you have poor credit, it may be hard to get coverage — or at least affordable coverage. Use the table below to learn more about which insurers offer the cheapest coverage for Illinois drivers with poor credit, according to Insurify data.
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $67 |
| State Farm | $69 |
| Certainly | $79 |
| COUNTRY Financial | $82 |
| Progressive | $86 |
| Direct Auto | $88 |
| GEICO | $89 |
| The General | $91 |
| First Chicago | $95 |
| USAA | $97 |
| Mercury | $100 |
| American Family | $102 |
| GAINSCO | $105 |
| Safeco | $106 |
| Erie | $108 |
| Bristol West | $111 |
| National General | $115 |
| Dairyland | $121 |
| Nationwide | $123 |
| Freedom National | $125 |
| Elephant | $128 |
| Insurify Car | $131 |
| Clearcover | $133 |
| Travelers | $133 |
| First Acceptance | $136 |
| Farmers | $142 |
| Root | $146 |
| Allstate | $149 |
| Liberty Mutual | $149 |
| Mendota | $156 |
| Hugo | $160 |
| State Auto | $187 |
View quotes from multiple insurers, starting at $45 per month
Below, you’ll find answers to some common questions from drivers about car insurance in Illinois.
Auto-Owners is the cheapest car insurance company in Illinois, with rates averaging $45 per month, according to Insurify data. But your rates depend on various factors, including your age, coverage choices, and where you live in the state.
It depends. Liability-only coverage averages $81 per month in Illinois, according to Insurify data. But if you want extra financial protection, you’ll likely pay more for insurance. Full-coverage policies in Illinois average $159 per month.
Not typically. In Illinois, AAA’s liability rates average $79 per month, while GEICO’s average $72 per month, according to Insurify data.
Car insurance in Illinois costs an average of $120 per month, according to Insurify data. Liability-only coverage averages $81 per month, and full coverage averages $159 per month.
GEICO is typically cheaper than Allstate in Illinois, with an average rate of $72 per month, according to Insurify data. Meanwhile, Allstate’s average monthly rate is $121. But many personal factors influence your insurance costs, including your location, coverage choices, and driving record.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
Featured in
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.
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