Cheap Full-Coverage Car Insurance in Illinois (2026)
Illinois drivers can find the cheapest full-coverage car insurance from Auto-Owners, with rates of $74 per month.
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Elizabeth RivelliFreelance Insurance Writer
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Auto, home, health, and life insurance expertise
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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John LeachLicensed P&C Agent, Chief Copy Editor
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Quick Facts
The average full-coverage car insurance rate in Illinois is $161 per month.
Illinois drivers typically pay less for full coverage than the U.S. national average.
You can save on full coverage by increasing your deductibles, looking for discounts, and bundling policies.
Cheapest full-coverage car insurance in Illinois
The average cost of full-coverage car insurance in Illinois is $161 per month. Auto-Owners offers the cheapest full-coverage car insurance, with an average rate of $74 per month.
The following table shows the cheapest full-coverage car insurance quotes in Illinois.
The below rates in Illinois are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $74 |
| State Farm | $80 |
| Country Financial | $111 |
| Progressive | $111 |
| Safeco | $116 |
| Erie | $122 |
| GEICO | $122 |
| Direct Auto | $126 |
| USAA | $130 |
| Mercury | $131 |
| American Family | $140 |
| Elephant | $155 |
| National General | $156 |
| Certainly | $159 |
| The General | $164 |
| Root | $165 |
| First Chicago | $166 |
| Liberty Mutual | $172 |
| Bristol West | $179 |
| Clearcover | $179 |
| Travelers | $179 |
| Farmers | $190 |
| Freedom National | $190 |
| Allstate | $199 |
| GAINSCO | $199 |
| Mendota | $215 |
| First Acceptance | $229 |
| State Auto | $250 |
| Dairyland | $257 |
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.
How much is full-coverage insurance in Illinois?
The average rate for full-coverage insurance in Illinois is $161 per month.
Drivers in Illinois typically pay less for full coverage than the U.S. national average. But rates depend on a variety of factors. Your driving history, ZIP code, age, credit history, vehicle, coverage choices, and more can all affect your full-coverage premiums in Illinois.[1]
For example, drivers with a DUI in Illinois pay $234 monthly, on average, for full coverage. Drivers with a speeding ticket see average full-coverage rates of $210 per month, according to Insurify data. And high-risk drivers who need SR-22 insurance pay a monthly average of $195.
How to find cheap full-coverage car insurance in Illinois
Full-coverage car insurance is typically more expensive than liability-only insurance. But you can lower your premium using a few strategies.
Here are some tips for getting cheaper full-coverage car insurance in the Prairie State:
Compare quotes. Full-coverage auto insurance rates in Illinois vary across insurers. To get the most affordable full-coverage policy, compare rates from at least three different insurance companies.
Apply for discounts. Many of the best Illinois car insurance companies offer discounts that can reduce your full-coverage premium. Insurers usually offer a good student discount, and discounts for driving fewer miles, installing an anti-theft device, and maintaining a clean driving record.
Bundle your policies. You can often get a significant discount if you purchase car insurance and homeowners or renters insurance from the same company.
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What full-coverage car insurance covers
Full-coverage car insurance isn’t a single policy you purchase. It refers to a bundle of insurance policies and usually includes:
Collision coverage
Collision insurance helps repair or replace your vehicle after an at-fault accident, including hitting a stationary object such as a fence or guardrail.
Comprehensive coverage
Comprehensive insurance covers non-collision events, like damage from flooding, fire, theft, and vandalism.
Medical payments (MedPay)
MedPay helps cover medical bills if you or a passenger sustains an injury in a crash, regardless of who was at fault.
Illinois requires drivers to have a minimum amount of auto insurance. The state’s minimum car insurance requirements include:
Bodily injury liability coverage: You need $25,000 per person and $50,000 per accident to cover injuries you cause to another person in an accident.
Property damage liability coverage: You need $20,000 per accident to cover damage you cause to someone else’s property in a car accident.
Uninsured/underinsured motorist (UM/UIM) coverage: Uninsured/underinsured motorist bodily injury liability covers your injuries if a driver without enough insurance hits your car. You need $25,000 per person and $50,000 per accident of UM/UIM coverage.
Minimum coverage is all you need to drive legally in Illinois. But most insurance experts recommend choosing higher liability insurance limits or full coverage. If you cause an accident, a state-minimum policy may not cover all your costs. You’d have to cover an excess amount out of pocket, and it could lead to a lawsuit.
Minimum vs. full-coverage car insurance in Illinois
Illinois drivers can choose between minimum-coverage and full-coverage car insurance. Minimum liability coverage is typically the cheaper option, but it provides less protection than full coverage. If you cause an accident, liability insurance covers only injuries and damages you cause to others, not your own.
Most drivers in Illinois can benefit from full coverage, especially if you lease or finance your car. Even though the state doesn’t require full coverage, many lenders do. Full coverage can also be a good option if you can’t afford to replace your car if you total it or if someone steals it.
On the other hand, minimum coverage might be sufficient if you have a used car that has depreciated significantly. If your car isn’t worth much, the annual cost of full coverage might be more expensive than replacing it out of pocket.
The table shows a few key differences between minimum liability insurance and full coverage.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Illinois | $82 | $161 |
| Covers damage to your own car? | No | Yes |
| Covers damage to other car? | Yes | No |
| Covers vehicle theft? | No | Yes |
| Required for a loan? | Yes | Yes |
Disclaimer: Table data is based on real-time Illinois quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Is full-coverage car insurance worth it in Illinois?
Full coverage is worth it for many drivers in Illinois because it provides more financial protection than minimum coverage. It could save you from expensive out-of-pocket costs if you seriously damage or total your vehicle.
Imagine your car is worth $25,000 and someone steals it. A state-minimum policy wouldn’t cover anything, because it covers only another person’s losses. But if you have full coverage, your comprehensive insurance would help cover the cost of your car.
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Pros and cons of full-coverage car insurance in Illinois
Here are some of the main pros and cons of full-coverage auto insurance in Illinois:
Pros
Covers damage to your vehicle
Pays to replace your car if someone steals it
Protects you from expensive out-of-pocket losses, especially for newer cars
Cons
More expensive than minimum coverage
Driving violations can lead to very high costs
Might not be worth it if you have a lower-value vehicle
Full-coverage car insurance in Illinois FAQs
Below, we answered some common questions from Illinois drivers about full-coverage car insurance in the Prairie State.
What is the average cost of full-coverage car insurance in Illinois?
The average full-coverage car insurance cost in Illinois is $161 per month. But your rates may vary based on various factors, including your age, credit history, vehicle, ZIP code, and more.
What car insurance company has the cheapest full coverage?
Auto-Owners has the cheapest full-coverage car insurance in Illinois, with an average rate of $74 per month. But your rates may differ depending on factors like your location, driving record, and coverage choices. Comparing quotes from insurers like State Farm, GEICO, and Progressive can help you find the best price for your car insurance.
Is the minimum amount of uninsured motorist coverage enough?
Not typically. The minimum amount of uninsured motorist coverage in Illinois may not be enough coverage. More than 15% of drivers in the state don’t have auto insurance, and higher coverage limits offer more financial protection if an uninsured driver hits you.[2]
How can you find cheap car insurance in Illinois?
Comparing quotes from multiple insurers is one of the easiest ways to find cheap car insurance in Illinois. You can also ask your insurer if you qualify for any discounts. Increasing your deductible can lower your monthly premium, but make sure you can afford the extra out-of-pocket cost if you file a claim.
Sources
- Illinois Department of Insurance. "Auto Insurance Shopping Guide."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
Methodology
Insurify data scientists analyzed more than 250 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:
- 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
- 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.
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in