State Farm offers the cheapest car insurance in Illinois for both minimum and full coverage, according to our survey of the state’s top providers.
State Farm’s average rate for minimum-coverage car insurance is $626 a year, while its average rate for full-coverage car insurance is $1,320 a year.
Country Financial, Progressive and USAA also offer cheap car insurance rates to Illinois drivers that are well below the state average.
In this article
Cheapest car insurance in Illinois: State Farm
State Farm has the cheapest car insurance rates in Illinois for drivers who want a minimum-coverage policy, at an average of $52 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $52 |
| USAA | $58 |
| Progressive | $59 |
| Country Financial | $69 |
| American Family | $72 |
| Allstate | $109 |
| Travelers | $114 |
| GEICO | $117 |
| Farmers | $207 |
| Average | $95 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA and Progressive also offer cheap minimum car insurance to Illinois drivers, at $58 and $59 a month, respectively.
A minimum-coverage car insurance policy includes the minimum coverage types and amounts state law requires. In Illinois, this means it includes bodily injury and property damage liability coverage as well as uninsured motorist bodily injury coverage.
Cheapest full-coverage car insurance in Illinois: State Farm
State Farm offers the cheapest full-coverage car insurance rates in Illinois, at an average of $110 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $110 |
| USAA | $116 |
| American Family | $147 |
| Country Financial | $149 |
| Progressive | $156 |
| Standard Fire | $200 |
| GEICO | $265 |
| Allstate | $277 |
| Farmers | $356 |
| Average | $197 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA and American Family offer cheap full-coverage car insurance to drivers in Illinois, too, with average rates of $116 and $147 a month, respectively.
Full-coverage car insurance usually includes liability, collision and comprehensive coverages. Although Illinois law doesn’t require full-coverage car insurance, your lender or lessor might. Even if it’s not required, you should consider getting full coverage if you have a new or expensive vehicle.
Cheapest car insurance for drivers with an accident history in Illinois
State Farm is the best company for cheap car insurance in Illinois if you have an accident on your driving record, with an average rate of $132 a month.
This is less than half of the state average car insurance rate after an accident, which is $306 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $132 |
| USAA | $174 |
| American Family | $226 |
| Country Financial | $231 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If you have an accident on your driving record, you’ll usually pay more for car insurance. This is because insurers think drivers with accidents are likely to be involved in more accidents down the road.
Cheapest car insurance after a DUI in Illinois
State Farm offers the cheapest car insurance to drivers in Illinois with a DUI on their records, at an average rate of $121 a month.
Progressive is a good option for cheap car insurance in this situation, too. Its average monthly rate for Illinois drivers with a DUI is $177.
| Company | Monthly rate |
|---|---|
| State Farm | $121 |
| Progressive | $177 |
| Country Financial | $240 |
| USAA | $245 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The average cost of car insurance in Illinois for drivers with a DUI is $306 a month. That’s more than twice State Farm’s average monthly rate.
Cheapest car insurance for drivers with a speeding ticket in Illinois
If you have a speeding ticket on your driving record, State Farm has the cheapest car insurance for you in Illinois. Its average rate is $121 a month in this situation.
| Company | Monthly rate |
|---|---|
| State Farm | $121 |
| USAA | $147 |
| American Family | $175 |
| Country Financial | $200 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA and American Family also offer cheap auto insurance to Illinois drivers with a speeding ticket at $147 and $175 a month, respectively.
Get cheap car insurance in Illinois
Cheapest car insurance for teen drivers in Illinois
USAA has the cheapest car insurance for 18-year-old drivers in Illinois, with an average monthly rate of $142.
That said, only current or former members of the military, as well as certain family members, can buy insurance from USAA. If you fit that description, USAA is sure to be a great option for you, as it’s known for providing top-notch customer service and cheap rates.
If you’re a teen and you or your family don’t have ties to the military, State Farm is the cheapest car insurance provider in Illinois for a minimum-coverage policy. Its average rate is $165 a month.
| Company | Monthly rate |
|---|---|
| USAA | $142 |
| State Farm | $165 |
| Country Financial | $188 |
| Allstate | $212 |
| Progressive | $263 |
| GEICO | $272 |
| American Family | $281 |
| Standard Fire | $369 |
| Farmers | $560 |
| Average | $272 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Teen drivers usually pay more for car insurance than older drivers. The reason: insurance companies see them as riskier to cover due to their lack of experience behind the wheel.
Cheapest full-coverage car insurance for teen drivers in Illinois
USAA and State Farm are the cheapest car insurance companies in Illinois for 18-year-old drivers buying full-coverage policies. USAA’s average full-coverage rate for teen drivers in Illinois is $309 a month, while State Farm’s is $349 a month.
| Company | Monthly rate |
|---|---|
| USAA | $309 |
| State Farm | $349 |
| Country Financial | $405 |
| Allstate | $558 |
| American Family | $568 |
| Progressive | $630 |
| GEICO | $653 |
| Standard Fire | $690 |
| Farmers | $890 |
| Average | $561 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The best way to get cheap car insurance as a teen is to compare quotes from several companies. Two other things to do are stay on your parents’ insurance policy as long as you can and see if you qualify for any discounts.
Cheapest car insurance for teen drivers with an accident history in Illinois
If you’re an 18-year-old and you have an accident on your driving record, State Farm is the cheapest car insurance company in Illinois. State Farm offers teen drivers car insurance for $422 a month, on average. That’s $360 a month less than the state average in this situation.
| Company | Monthly rate |
|---|---|
| State Farm | $422 |
| USAA | $535 |
| Country Financial | $631 |
| Progressive | $711 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teen drivers with a DUI in Illinois
State Farm is the cheapest car insurance provider for teen drivers with a DUI in Illinois, with an average rate of $386 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $386 |
| USAA | $559 |
| Progressive | $637 |
| Country Financial | $670 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teen drivers with a speeding ticket in Illinois
State Farm has the cheapest auto insurance in Illinois for teen drivers with a speeding ticket on their records, with an average rate of $386 a month. USAA, Country Financial and American Family also offer rates that are cheaper than the state average of $668 a month in this situation.
| Company | Monthly rate |
|---|---|
| State Farm | $386 |
| USAA | $438 |
| Country Financial | $550 |
| American Family | $615 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors in Illinois
State Farm offers the cheapest car insurance for 60-year-old drivers in Illinois, with an average rate of $50 a month for a minimum-coverage policy. If you’re eligible, USAA is a great option for cheap coverage, too. Its average rate for senior drivers in Illinois is $54 a month.
| Company | Monthly average |
|---|---|
| State Farm | $50 |
| USAA | $54 |
| Progressive | $63 |
| Country Financial | $64 |
| American Family | $67 |
| Standard Fire | $100 |
| Allstate | $104 |
| GEICO | $106 |
| Farmers | $146 |
| Average | $84 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Senior drivers often pay lower car insurance rates than younger drivers because of their experience on the road. That said, what you pay for car insurance as a senior is based on more than just your age. It is also based on your driving history. If you have incidents like speeding tickets, accidents and DUIs on your record, you’ll pay a higher rate than you would otherwise.
Cheapest full-coverage car insurance for seniors in Illinois
If you’re a senior driver in Illinois and you want cheap full-coverage car insurance, make sure you get a quote from State Farm. State Farm has the cheapest full-coverage car insurance for Illinois seniors, with an average rate of $102 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $102 |
| USAA | $105 |
| Country Financial | $134 |
| American Family | $136 |
| Progressive | $143 |
| Standard Fire | $163 |
| GEICO | $222 |
| Farmers | $237 |
| Allstate | $254 |
| Average | $166 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA, Country Financial and American Family also offer full-coverage car insurance to 60-year-old drivers in Illinois that is cheaper than the state average rate of $166 a month.
Cheapest car insurance for seniors with an accident history in Illinois
If you’re a 60-year-old with an accident on your driving record, State Farm, USAA and American Family are your best options for cheap car insurance in Illinois. State Farm offers seniors with an accident history an average rate of $123 a month. USAA’s average monthly rate is $173, while American Family’s is $210.
| Company | Monthly rate |
|---|---|
| State Farm | $123 |
| USAA | $173 |
| American Family | $210 |
| Country Financial | $216 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors with a DUI in Illinois
Illinois drivers who are 60 years old and have a DUI on their driving records should get car insurance quotes from State Farm and Progressive. State Farm has the cheapest car insurance rates for senior drivers in Illinois after a DUI, with an average rate of $113 a month. Progressive’s average monthly rate is $163, while the state average in this situation is $267 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $113 |
| Progressive | $163 |
| Country Financial | $216 |
| USAA | $220 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors with a speeding ticket in Illinois
State Farm, USAA and American Family are the cheapest car insurance companies for senior drivers in Illinois with a speeding ticket on their records. State Farm’s average rate for seniors with a speeding ticket is $113 a month. USAA’s average monthly rate is $132, while American Family’s is $161.
| Company | Monthly rate |
|---|---|
| State Farm | $113 |
| USAA | $132 |
| American Family | $161 |
| Country Financial | $180 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Find the cheapest car insurance where you live
Average cost of car insurance in Illinois by city
Many factors determine what you pay for car insurance, including where you live. This is because insurance companies consider an area’s crime rate, traffic and accident frequency when calculating rates.
Drivers in Champaign pay the cheapest car insurance rates of those living in Illinois’ largest cities, at an average of $884 a year or $74 a month. Chicago drivers pay the highest car insurance rates in the state, at an average of $1,290 a year or $108 a month.
| City | Monthly rate |
|---|---|
| Aurora | $86 |
| Champaign | $74 |
| Chicago | $108 |
| Elgin | $89 |
| Joliet | $92 |
| Naperville | $86 |
| Peoria | $81 |
| Rockford | $83 |
| Springfield | $79 |
| Waukegan | $91 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Illinois car insurance laws
Illinois’ car insurance law requires drivers to have a minimum of 25/50/20 coverage. This means your policy must include at least:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $20,000 of property damage liability coverage for accidents outside of Michigan
Illinois drivers also need a minimum amount of uninsured motorist bodily injury (UM) coverage. The state minimums for this type of car insurance coverage are:
- $25,000 per person
- $50,000 per accident
You can buy higher limits of UM coverage to pay for claims that exceed these amounts. If you purchase higher UM coverage limits, though, you will have to buy underinsured motorist bodily injury insurance (UIM) as well.
Frequently asked questions
How much is car insurance in Illinois?
The average cost of car insurance in Illinois is $1,141 a year, or $95 a month, for a minimum-coverage policy. The average cost of full-coverage car insurance in Illinois is $2,368 a year, or $197 a month.
Where can I get cheap car insurance in Illinois?
The best company for cheap car insurance in Illinois is State Farm. State Farm offers minimum-coverage car insurance to Illinois drivers at an average rate of $52 a month. Its average rate for full-coverage car insurance is $110 a month.
Is car insurance required in Illinois?
Yes, Illinois requires drivers to have at least 25/50/20 car insurance coverage. This means you need $25,000 and $50,000 of bodily injury liability coverage per person and per accident, as well as $20,000 of property damage liability coverage. Illinois drivers also need at least $25,000 of uninsured motorist bodily injury coverage per person and $50,000 per accident.
Methodology
QuoteWizard conducted a comprehensive study of Illinois car insurance rates using Quadrant Information Services. Unless otherwise stated, the quotes analyzed in this article are for a single, 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives it an average of 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Illinois' minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Car insurance by city
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