Best Auto Insurance Rates in Illinois

Illinois drivers pay an average $101 per month for car insurance. These companies offer the cheapest rates.

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Find Cheap Car Insurance in Illinois

State Farm offers the cheapest average car insurance rates in Illinois. Our data shows that the average Illinois driver pays $54 per month for minimum-coverage auto insurance if they get it from State Farm, or $118 per month for full coverage.

These amounts are far below the state averages for such types of car insurance. Based on our research, the average Illinois driver pays $101 a month for minimum coverage or $215 a month for full coverage.

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

Cheapest car insurance companies in Illinois

State Farm has the cheapest minimum car insurance in Illinois, with a $54 monthly premium. But State Farm isn't the only company that offers affordable car insurance to Illinois drivers. Country Preferred and American Family also offer inexpensive rates for the same type of policy.

You should know: Obtaining the minimum amount of required coverage will save you money on your premium in the long term, but if your car sustains damage in an accident, you won’t be covered under a minimum liability policy. That’s why we recommend you choose additional or higher coverage limits if your vehicle is new or expensive.

Minimum-coverage car insurance rates in Illinois
Company Average monthly rate
State Farm $54
Country Preferred $57
American Family $77
Progressive $78
State average $101
Allstate $116
Standard Fire $125
GEICO $134
Illinois Farmers $216
USAA $52
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance in Illinois

State Farm also offers the cheapest full-coverage car insurance in Illinois, with a $118 average monthly premium. Another option for Illinois drivers looking for affordable full-coverage auto insurance: Country Preferred. It sent us a quote of $126 per month for this type of policy.

You should know: Full coverage usually includes liability, comprehensive and collision coverages. Comprehensive coverage provides protection against "acts of God", or events out of your control, including natural disasters and theft. On the other hand, collision coverage provides reimbursement for your vehicle’s damage caused by a crash.

Full-coverage car insurance rates in Illinois
Company Average monthly rate
State Farm $118
Country Preferred $126
Progressive $155
American Family $161
State average $215
Standard Fire $230
Allstate $303
GEICO $322
Illinois Farmers $403
USAA $117
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for young drivers in Illinois

Insurance companies use several factors to calculate premiums, including age and driving experience. Teens and new drivers receive some of the most expensive car insurance rates due to their inexperience and high risk.

Based on our analysis, Country Preferred and State Farm offer the cheapest car insurance rates for young drivers. If you or a family member are or were previously enrolled in the military, you may also receive highly affordable rates from USAA.

Given the high price of car insurance for teen drivers, it's important to compare rates from multiple companies and tack on as many discounts as possible. Another worthwhile alternative to save is to consider signing onto a more experienced driver’s policy, like your parents’.

 
 
 

Cheapest car insurance companies for older drivers in Illinois

Insurance companies take your experience and age into consideration when calculating your car insurance premium. Both factors are used as strong indicators of how safe of a driver you are. More experience implies that you are less likely to get into an accident.

Average monthly car insurance rates for older Illinois drivers
Company 50 years old 60 years old 70 years old
Allstate $276 $278 $219
American Family $148 $148 $151
Country Preferred $108 $105 $116
GEICO $268 $260 $319
Illinois Farmers $362 $251 $243
Progressive $132 $132 $153
Standard Fire $205 $183 $221
State Farm $114 $108 $113
USAA $100 $101 $114
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for drivers after an accident

Insurance pricing is based on an assessment of risk. If you've been involved in an at-fault accident, you're seen as a riskier driver to insure compared to someone with a clean record.

Drivers who fit this bill can find the most affordable car insurance rates from State Farm and Country Preferred, which increase their monthly premiums by less than $100 for post-accident drivers.

Average car insurance rates after an accident
Company Monthly rate before accident Monthly rate after accident Difference
State Farm $118 $141 $23
Country Preferred $126 $193 $67
American Family $161 $244 $83
Progressive $155 $248 $93
Standard Fire $230 $302 $72
GEICO $322 $520 $198
Allstate $303 $535 $232
Illinois Farmers $403 $601 $198
USAA $117 $174 $57
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for drivers with a DUI

It goes without saying that DUIs are serious driving violations. So it won't be surprising to hear that drivers charged with a DUI usually have trouble finding affordable rates. Luckily for State Farm and Progressive customers, average rates only go up by less than $20 a month after a DUI.

Average car insurance rates after a DUI
Company Monthly rate before accident Monthly rate after accident Difference
State Farm $118 $129 $11
Progressive $155 $172 $17
Country Preferred $126 $202 $76
American Family $161 $289 $128
Standard Fire $230 $336 $106
Allstate $303 $462 $159
Illinois Farmers $403 $571 $168
GEICO $322 $581 $259
USAA $117 $261 $144
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for drivers with a speeding ticket

Speeding tickets are one of the most common driving violations. If you're one of the millions of drivers who have received a speeding ticket in the last three to five years, your car insurance premium will likely increase.

Average car insurance rates after a speeding ticket
Company Monthly rate before accident Monthly rate after accident Difference
State Farm $118 $129 $11
Country Preferred $126 $169 $43
American Family $161 $191 $30
Progressive $155 $192 $37
Standard Fire $230 $283 $53
GEICO $322 $379 $57
Allstate $303 $389 $86
Illinois Farmers $403 $594 $191
USAA $117 $151 $34
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Best car insurance companies in Illinois, according to customers

You should consider multiple angles when purchasing an auto insurance policy. Namely, you should consider the quality of service you will receive for the price and whether it's worth it.

J.D. Power rates companies across the country on a scale of 1,000. The higher a company’s score, the better its customer service and claims filing process. The average rating for states in the North Central region, which includes Illinois, is 843. The National Association of Insurance Commissioners' rating is based on the number of formal complaints filed with state insurance regulators. A high score indicates that the company has more complaints than average against them.

Average car insurance rates after a speeding ticket
Company J.D. Power 2021 U.S. Auto Insurance Satisfaction Study NAIC Complaint Index 2020
Allstate 832 0.70
American Family 814 0.59
Country Preferred N/A 0.17
GEICO 855 1.33
Illinois Farmers 827 0.19
Progressive 849 0.69
Standard Fire N/A 0.56
State Farm 849 0.70
USAA 905 1.20

Note: J.D. Power assesses overall customer satisfaction on a 1,000-point scale. The NAIC Complaint Index is the rate at which customers file complaints to their state regulators. The median Complaint Index is 1.0.

Car 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 per person/$50,000 per accident in bodily injury liability
  • $20,000 in property damage liability

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 could also 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 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.
  • Accumulate too many toll violations or fail to pay child support.

Driving conditions in Illinois

Illinois has one of the worst road infrastructures in the country, according to our analysis. Approximately 20% of the state roads are considered "unacceptable". These road conditions have led to the average Illinois driver paying approximately $586 in associated costs.

Methodology

We conducted a comprehensive study of auto insurance rates in Illinois through Quadrant Information Services. The quotes we collected were for a 30-year-old male. He is single and has a clean driving record. He owns a 2012 Honda Accord LX and drives it 13,500 miles a year, on average. His full coverage car insurance policy has 100/300/100 coverage limits and a $500 deductible, where applicable.

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