Cheapest Car Insurance Companies in Illinois

State Farm is the cheapest car insurance company in Illinois, with an average rate of $50 a month for minimum coverage.

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Key Takeaways

  • State Farm has the cheapest average car insurance rates for most Illinois drivers.
  • Country Financial is the cheapest company if you have bad credit.
  • Illinois car insurance costs more than the national average premium.

In this article

The cheapest car insurance companies in Illinois

Lowest rate: State Farm

Best for military members: USAA

Best with bad credit: Country Financial

State Farm holds the cheapest rates for both minimum-coverage and full-coverage car insurance in Illinois, with an average rate of $50 a month for minimum coverage and $106 for full coverage. The average rates for car insurance in Illinois are $75 a month for minimum coverage and $155 a month for full coverage.

The average rate for minimum-coverage car insurance in Illinois with USAA is $60 a month. USAA has a long reputation for great customer satisfaction. The downside of USAA is that it only offers car insurance for military members and their families. According to VA.gov, Illinois is home to over 600,000 veterans. If you fall into that category, we recommend considering USAA.

On top of Country Financial's standard rate of $57 a month being under the average Illinois rate, it also carries the cheapest rate for Illinois drivers with bad credit at $197 a month. Some car insurance companies see poor credit as a risk factor that can affect your rates, but some states now are starting to forbid using credit ratings when calculating quotes.

Illinois minimum car insurance requirements

Registered drivers in Illinois are required to carry the following minimum-coverage car insurance limits:

Coverage type State requirements
Bodily injury liability $25,000 per person/$50,000 per accident
Property damage liability $20,000
Source: ilsos.gov

Keep in mind that these limits are in place to cover legal requirements. A serious accident resulting in a long court case or hospital stay can hit these limits quickly. Any costs over these limits associated with the accident will have to be paid out of your own pocket. To avoid this, consider increasing your liability limits to:

  • Bodily injury per person: $100,000
  • Bodily injury per accident: $300,000
  • Property damage liability per accident: $100,000

Cheapest minimum-coverage auto insurance rates in Illinois: State Farm

State Farm has the cheapest minimum-coverage car insurance rates in Illinois, at an average of $50 a month. This is 33% cheaper than the average rate in Illinois of $75 a month. Minimum-coverage car insurance covers damages and injuries you cause others. Country Financial has the second-lowest rate at $57 a month.

Company Monthly rate
State Farm $50
Country Financial $57
USAA $60
Travelers $73
American Family $72
Progressive $76
Allstate $106
Farmers $149
GEICO $120
Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record.

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Cheapest full-coverage auto insurance rates in Illinois: State Farm

State Farm has the cheapest rates for full-coverage car insurance in Illinois, with an average rate of $106 a month. Country Financial is the second-cheapest at $129 a month. Full-coverage car insurance provides collision and comprehensive coverage for your own injuries and damages after an accident.

Company Monthly rate
State Farm $106
Country Financial $129
USAA $132
Travelers $135
American Family $145
Progressive $196
Allstate $237
Farmers $256
GEICO $275
Rates are full-coverage car insurance for a 35-year-old male with a good driving record.

Cheapest car insurance in Illinois for drivers with bad credit: Country Financial

Country Financial has the lowest average full-coverage rate of $197 a month for most drivers in Illinois with poor credit. Travelers comes in second at $213 a month.

Company Monthly rate
Country Financial $197
Travelers $213
USAA $224
State Farm $231
American Family $248
Progressive $337
Allstate $369
Farmers $431
GEICO $571
Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record.

Cheapest car insurance for drivers with a prior incident

After a speeding ticket, auto accident or a DUI, you'll probably see an increase in your car insurance rates. State Farm has the cheapest insurance rates for Illinois drivers with an offense on their record.

Cheapest for drivers with a speeding ticket: State Farm

If you have a speeding ticket on your record, State Farm is the cheapest car insurance option at $114 a month for full coverage. USAA is next at $168; however, USAA is only available to military members and their families. This makes Country Financial the second most affordable provider for most drivers in Illinois.

Company Monthly rate
State Farm $114
USAA $168
Country Financial $170
American Family $172
Travelers $175
Progressive $268
Allstate $313
GEICO $324
Farmers $384
Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record.

Cheapest for drivers with an at-fault accident: State Farm

After an accident, drivers in Illinois find the most affordable car insurance with State Farm at an average rate of $124 a month. Travelers is the next-cheapest at $186 a month.

Company Monthly rate
State Farm $124
Travelers $186
Country Financial $193
USAA $198
American Family $223
Progressive $322
Farmers $389
GEICO $441
Allstate $449
Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record.

Cheapest car insurance for drivers with a DUI: Progressive

If you have a DUI, State Farm has the lowest auto insurance rate for Illinois drivers at $114 a month. The next-cheapest option is Country Financial at $201.

Company Monthly rate
State Farm $114
Country Financial $201
Travelers $208
Progressive $222
American Family $259
USAA $282
Farmers $369
Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record.

If you are pulled over and found to have a blood alcohol content (BAC) of 0.08%, you are guilty of driving under the influence (DUI). The penalties for a first-offense DUI in Illinois include a fine of $500 to $2,500, and one year of jail time.

A DUI will undoubtedly lead to an increase in your rates. Car insurance companies consider a DUI to be an extreme risk factor, and may refuse to offer coverage.

Get cheap car insurance in Illinois

Cheapest car insurance for senior drivers: State Farm

Seniors in Illinois find the cheapest average rates for car insurance with State Farm, at $98 a month. Country Financial is the next-cheapest at $117 a month.

Company Monthly rate
State Farm $98
Country Financial $117
USAA $122
Travelers $122
American Family $134
Progressive $179
Allstate $223
Farmers $240
GEICO $248
Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record.

Senior drivers usually pay higher rates than most younger drivers. This is mostly due to the risk that can occur from response-time loss as we age. Seniors with a clean driving record will still pay lower rates than teen drivers.

Cheapest car insurance for young drivers: USAA and Country Financial

USAA has the cheapest minimum-coverage rates for young drivers in Illinois, with an average of $148 a month. If you're not in the military, Country Financial has your cheapest minimum-coverage car insurance rate, at $149 a month.

Company Monthly rate
USAA $148
Country Financial $149
State Farm $154
Travelers $221
Allstate $252
American Family $274
GEICO $279
Progressive $280
Farmers $710
Rates are for an 18-year-old male with a clean driving record.

Teen drivers looking for full-coverage car insurance get the cheapest rate with Country Financial at $322 a month, and State Farm is the next-cheapest at $329 a month.

Company Monthly rate
Country Financial $322
State Farm $329
USAA $352
Travelers $425
Allstate $551
American Family $553
GEICO $670
Progressive $841
Farmers $1,153
Rates are for an 18-year-old male with a clean driving record.

Teens usually pay the highest rates for car insurance due to their lack of experience behind the wheel. If you're looking to save money on car insurance, look into getting onto a parent's or guardian's policy. We've found teens on a parent's insurance pay 48% less for their coverage.

Cheapest car insurance for married drivers: State Farm

Married drivers get their lowest rates in Illinois with State Farm, which offers an average of $106 a month. Country Financial is the next-cheapest option at $112 a month.

Company Monthly rate
State Farm $106
Country Financial $112
USAA $115
Travelers $135
American Family $145
Progressive $166
Allstate $233
Farmers $248
GEICO $281
Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record.

Illinois car insurance: FAQs

How much is car insurance in Illinois?

The average cost of minimum-coverage car insurance in Illinois is $75 a month. Full-coverage car insurance costs an average of $155 a month.

Who has the cheapest car insurance in Illinois?

State Farm has the cheapest minimum- and full-coverage car insurance rates in Illinois. Its average rate for minimum coverage is $50 a month, while its average full-coverage rate is $106 a month.

What are Illinois' car insurance requirements?

Illinois state law requires that drivers registered in the state carry the following car insurance minimum limits:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage: $20,000

Methodology

The rates shown in this article are based on an analysis of thousands auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Illinois.

Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.

Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.

Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.

Full-coverage policies include the following coverages, limits and deductibles:

  • Bodily injury liability: $100,000 limit per person/$300,000 limit per accident

  • Property damage liability: $100,000 limit

  • Collision: $500 deductible

Sources:

Auto insurance by city

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