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Cheapest Companies for Temporary Car Insurance Illinois (2022)

For drivers looking for temporary insurance in Illinois, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers looking for a 6-month policy.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Illinois. The following are the best insurance rates from carriers that offer temporary car insurance for drivers in Illinois.

CarrierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Metromile$102
Mile Auto$103
USH&C$106
SafeAuto$109
Clearcover$120

What Is Temporary Car Insurance and How to Get It in Illinois?

Temporary car insurance policies typically last six months and are often cheaper than the longer-term 12-month policies. It’s common for websites to advertise daily, weekly, or monthly policies, but these offers are often tricky ways to make you buy a standard six-month policy. In the U.S., car insurance companies only sell six-month or 12-month policies. If you’d like to buy a policy for less than six months, one choice is to sign up for a six-month policy and cancel early.

Many have picked a company and later found out it’s just not the right fit. Short-term policies let you switch without breaking the bank. You can reevaluate your policy every six months so you can select a company that’s right for your budget. Speaking of the search process, Insurify can help you get up to 20 short-term car insurance quotes from top companies within minutes!

What Are the Average Short-Term Car Insurance Rates in Illinois?

According to Insurify’s database of over 25 million quotes, drivers pay $1,205 on average for a six-month car insurance policy in the Prairie State. A quick calculation later, and you realize that’s $201 per month, a rate that makes Illinois the 19th-cheapest for short-term car insurance in the nation.

Length of Short-Term Insurance PolicyAvg. Monthly Rate, Short-Term Policy The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.Total Cost of 6 Month, Short-Term Policy The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
6 months$201$1,205

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What Are the Benefits of Choosing a Six-Month Auto Insurance Policy in Illinois?

The biggest benefit of choosing a six-month policy comes down to dollars and cents. Insurance companies try to reel you in with a low up-front price, and they make their money by keeping customers long-term and not paying out claims. By switching every six months, you’re always getting the best rates the market offers.

Another reward for your savvy dealing is flexibility. Customer service agents rub you the wrong way? Have a nightmare claims process or receive an astronomical renewal premium? You can kiss your old company goodbye and look for one that makes the most sense. And the best way to lock in the right fit is to use Insurify. It’ll help you find the company that gives you the service you deserve at a price you can afford.

Find Cheap Short-Term Car Insurance in Minutes

You could find cheap short term car insurance options in Illinois within minutes using Insurify. All you’ve got to do is fill in some basic information about yourself and your car, and you’ll be presented with a list of up to 20 short-term car insurance policy options within minutes. These quotes are customized, real-time, and accurate. Insurify also allows you the option to toggle between the rates for a six-month policy and a 12-month policy—that way you can see for yourself which option is best for you.

Compare quotes fast, free, and online with Insurify’s car insurance quote comparison tool.

Best Short-Term Car Insurance Plans in Illinois

Insurance prices and policies can vary significantly between companies, and a state like Illinois draws a wide variety of choices when drivers are evaluating temporary car insurance plans.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Illinois Car Insurance

  • Why is car insurance so expensive in Illinois?

    There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Do car insurance rates vary by county in Illinois?

    Auto insurance costs will vary between locations and insurance carriers, depending on the county Illinois. Insurify analyzed the latest data for the five most populous cities in Illinois to find you the cheapest quotes in each of these metropolitan areas.

  • Which providers have the best auto insurance ratings in Illinois?

    The way to find the carrier with the best auto insurance ratings in Illinois and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • How much do annual auto insurance rates increase in Illinois?

    During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Courtney Roy
Courtney RoyInsurance Writer

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.