Cheap Car Insurance in Illinois (2022)

Illinois drivers pay an average $95 per month for car insurance. These companies offer the cheapest rates.

See Your Rates

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.

Cheapest minimum auto insurance in Illinois
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.

Cheapest full-coverage auto insurance in Illinois
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.

Cheapest car insurance for drivers after an accident
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.

Cheapest car insurance after a DUI
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.

Cheapest auto insurance for drivers with a speeding ticket
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.

Cheapest minimum auto insurance for 18-year-old drivers
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.

Cheapest full-coverage car insurance for 18-year-old drivers
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.

Cheapest car insurance for 18-year-old drivers with an accident
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.

Cheapest car insurance for 18-year-old drivers with a DUI
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.

Cheapest car insurance for 18-year-old drivers with a speeding ticket
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.

Cheapest minimum car insurance for seniors in Illinois
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.

Cheapest full-coverage car insurance for 60-year-old drivers in Michigan
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.

Cheapest car insurance for 60-year-olds with an accident history
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.

Cheapest car insurance for senior drivers with a DUI
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.

Cheapest car insurance for senior drivers with a speeding ticket
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.

Average cost of car insurance by city
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

QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.