Best Auto Insurance Rates in Illinois

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Find Cheap Car Insurance in Illinois

Pekin Insurance offers the cheapest car insurance rates in Illinois, according to a QuoteWizard survey of the state’s providers.

Our data shows that the average Illinois driver pays $551 per year for full-coverage auto insurance if they get it from Pekin. And they pay $289 per year if they get the minimum amount of auto insurance the state requires from this company.

These amounts are far below the state averages for such types of car insurance. Based on our research, the average driver in Illinois pays $1,059 a year for full coverage and $522 a year for state-minimum coverage.

Keep reading to learn more about where you can get cheap car insurance in Illinois. You’ll also learn about:

What is the cheapest car insurance in Illinois?

Pekin offers the cheapest minimum car insurance in Illinois, with a $289 average annual premium. This figure is based on rates we collected from the state’s providers for a typical driver.

Pekin also offers the cheapest full-coverage car insurance in Illinois, with a $551 average annual premium. Full coverage usually includes liability, comprehensive and collision car insurance protection.

Pekin isn’t the only company offering affordable car insurance to Illinois drivers. SECURA sent us a quote of $342 per year for state-minimum coverage. Erie sent us a quote of $352 per year for the same type of policy. Both quotes are more than $170 per year below what we found to be the state average for such coverage. That equals a savings of at least $14 a month.

cheapest minimum car insurance in illinois

Erie and SECURA offered our sample driver low rates for full-coverage car insurance, too. Erie’s quote of $743 a year is $316 less than the state average of $1,059 for this kind of coverage. That’s a difference of $26 a month. SECURA’s quote of $860 a year is $199 less than the state average, or about $17 per month less.

cheapest full-coverage car insurance in illinois

Another option for Illinois drivers looking for affordable full-coverage auto insurance: Rockford Mutual. It sent us a quote of $747 per year for this type of policy.

Don’t ignore the other auto insurance companies highlighted in the graphs above. The rates they offered our sample driver weren’t as low as the ones Erie, Pekin and SECURA offered, but the same may not hold true for you. This is because several rate factors determine what you pay for car insurance, including your location and the vehicle you drive. 

What are the best car insurance companies in Illinois?

Pekin, SECURA and Erie offer the best car insurance rates in Illinois, based on our research.

Pekin is our top choice overall because we found it to offer the cheapest rates for full-coverage and state-minimum car insurance. SECURA is our runner-up for cheap minimum car insurance, and Erie is our runner-up for cheap full coverage.

Pekin: best rates

Pekin offered our sample driver the cheapest rates for both minimum and full-coverage auto insurance.

Pekin sent our driver a quote of $289 per year for state-minimum coverage. That’s $233 per year, or $19 per month, less than the state average of $522 per year for this kind of car insurance policy.

For full coverage, Pekin sent us a quote of $551 per year. This is $508 per year, or $42 per month, less than the state average of $1,059 per year.

SECURA: runner-up for cheap minimum coverage

SECURA’s quote of $342 per year for state-minimum car insurance was second only to the quote we received from Pekin for the same type of coverage.

This amount is $180 per year, or $15 per month, less than the state average for minimum coverage.

Erie: runner-up for cheap full coverage

Erie’s quote of $743 per year for full-coverage auto insurance was second only to the quote we received from Pekin for a similar policy.

That is $316 per year below the state average for full coverage. To put it another way, it’s $26 per month less than what a typical Illinois driver pays for such a policy.

Erie also offered our sample driver an affordable rate for state-minimum auto insurance. At $352 per year, that quote is just $5 per month more than what Pekin offered.

Although we found Pekin, Erie and SECURA to be the best car insurance providers in Illinois, none of them are among the state’s most popular car insurance companies.

According to data provided by S&P Global, State Farm writes 30% of Illinois auto policies. That’s more than enough for it to be the largest provider of car insurance in the state.

Allstate isn’t too far behind, though. It writes 13% of the state’s car insurance policies. Three other insurers — Country Financial, GEICO and Progressive — each write about 7% of auto coverage in Illinois, rounding out the top five in this area.

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Company Illinois market share
State Farm 30%
Allstate 13%
Country Financial 7%
Progressive 7%
GEICO 7%
American Family 4%
Farmers 4%
Liberty Mutual 3%
USAA 3%
MetLife 2%
Source: S&P Global

Pekin, our choice as the best car insurance company in Illinois, writes just 1% of the state’s auto insurance policies. That puts it in 15th place in terms of market share.

As for Erie and SECURA, two of our other top picks — Erie writes 1.3% of auto policies in Illinois, good enough for 12th place, while SECURA writes 0.7%, which puts it in 57th.

What are the auto insurance requirements in Illinois?

Car insurance is mandatory in Illinois. To comply with state law, you must carry at least a minimum amount of liability car insurance. This means having at least the following amounts of property damage and bodily injury liability coverage:

  • $25,000 of coverage for the bodily injury or death of one person in an accident.
  • $50,000 of coverage for the bodily injury or death of more than one person in an accident.
  • $20,000 of coverage for property damage tied to any one accident.

You could face several penalties if you’re caught driving without car insurance in Illinois. The state may fine you $500 or more, for starters. It also might suspend your license plates. 

SR-22 insurance in Illinois

If you’re convicted of a serious driving offense in Illinois, the state may make you file an SR-22 form. An SR-22 form proves you’re carrying the required amount of car insurance coverage.

When might you have to file an SR-22 in Illinois? The state often requires it of people who:

  • Drive recklessly.
  • Drive under the influence (DUI or DWI).
  • Are cited for another major moving violation or serious driving offense.
  • Get too many speeding tickets or other traffic citations.

It also forces some citizens to file an SR-22 if they accumulate too many toll violations or fail to pay child support.

Methodology

We conducted a comprehensive study of auto insurance rates in Illinois through Quadrant Information Services. The quotes we collected were for a 35-year-old male. He is single and has an excellent credit score and a clean driving record. He owns a 2012 Honda Accord and drives it 15,000 miles a year, on average. His car insurance policy has 100/300/50 coverage limits and a $1,000 deductible, where applicable.

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