Best & Cheapest Car Insurance Quotes in Illinois (2024)
Travelers has the cheapest full-coverage car insurance in Illinois, at $110 per month.
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Best cheap car insurance companies in Illinois
How we chose the top companies
Best and cheapest car insurance in Illinois
- Cheapest full coverage: Travelers, $110/mo
- Cheapest minimum liability: State Farm, $43/mo
- Cheapest for young drivers: Country Financial, $121/mo
- Cheapest after a ticket: State Farm, $124/mo
- Cheapest after an accident: State Farm, $134/mo
- Cheapest for teens after a ticket: State Farm, $156/mo
- Cheapest after a DUI: Travelers, $163/mo
- Cheapest for poor credit: Travelers, $169/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm offers the best combination of affordable rates and reliable customer service in Illinois.
While Travelers or Country Financial costs less for some drivers, State Farm's superior customer service may be worth the extra cost if you ever need to file a claim.
Cheapest car insurance in Illinois for full coverage: Travelers
Travelers has the cheapest full coverage car insurance in Illinois. At $110 per year, full coverage from Travelers is 37% cheaper than the Illinois state average.
The average cost of car insurance in Illinois is $176 per month for full coverage.
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Illinois drivers should also compare rates from State Farm. A full coverage policy from State Farm costs around $117 per month, which is 33% cheaper than average.
State Farm also has the best customer service reviews in Illinois. It may be worth spending a little extra every month for State Farm's dependable service.
Cheap full coverage car insurance in Illinois
Company | Monthly rate | |
|---|---|---|
| Travelers | $110 |
| State Farm | $117 |
| Country Financial | $136 |
| American Family | $142 |
| Progressive | $187 |
Cheap liability insurance quotesin Illinois: State Farm
State Farm has the cheapest liability car insurance in Illinois.
At $43 per month, a minimum liability policy from State Farm costs 39% less than average.
Country Financial is the second-cheapest option and the only other company that offers coverage for less than $50 per month. However, State Farm has much better customer service reviews than Country Financial. That makes it the most reliable choice for drivers on a budget.
Cheapest Illinois liability car insurance
Company | Monthly rate |
|---|---|
| State Farm | $43 |
| Country Financial | $46 |
| Travelers | $51 |
| American Family | $52 |
| Progressive | $64 |
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Cheapest auto insurance in IL for teens: Country Financial
Country Financial has the most affordable car insurance in Illinois for young drivers.
A minimum liability policy from Country Financial costs $121 per month for an 18-year-old. That's 49% cheaper than the Illinois average, which is $238 per month.
Country Financial also has the cheapest full coverage rates for teens. At $308 per month, full coverage from Country Financial is 42% cheaper than average.
Best car insurance quotes in Illinois for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Country Financial | $121 | $308 |
| State Farm | $144 | $346 |
| Travelers | $152 | $314 |
| Geico | $179 | $427 |
| American Family | $209 | $533 |
Young drivers in Illinois should also compare quotes from State Farm.
State Farm is typically between 12% and 19% more expensive than Country Financial. But it has some of the most reliable customer service in Illinois. Great service can be very helpful if you're in an accident and need to get back on the road quickly.
Teen drivers usually pay more for car insurance because their lack of driving experience means they're more likely to get into accidents. One of the best ways for young drivers to save money is to share a policy with their parents.
Cheap IL insurance for drivers with a speeding ticket: State Farm
State Farm has the best cheap auto insurance in Illinois for drivers who have a speeding ticket. A full coverage policy from State Farm costs around $124 per month, which is 46% cheaper than average in Illinois.
Company | Monthly rate |
|---|---|
| State Farm | $124 |
| Travelers | $140 |
| American Family | $169 |
| Country Financial | $180 |
| Geico | $219 |
Auto insurance companies in Illinois raise rates by 31% after a single speeding ticket, on average.
However, some companies raise prices more than others. For example, Progressive increases rates by 46% after a single speeding ticket. On the other hand, rates at State Farm only go up by 6%.
Cheapest car insurance in Illinois after an accident: State Farm
State Farm is the cheapest insurance company in Illinois if you have an accident on your record. A full coverage policy from State Farm costs an average of $134 per month after a crash. That's less than half as much as the state average, and $20 per month less than the second-cheapest option, Travelers.
Company | Monthly rate |
|---|---|
| State Farm | $134 |
| Travelers | $154 |
| Country Financial | $199 |
| American Family | $223 |
| Geico | $300 |
Rates increase by $99 per month in Illinois after a single at-fault accident.
The most expensive company after an accident, Allstate, is more than three times as expensive as the cheapest, State Farm. Because of how much rates can vary after an accident, you should always compare quotes from a few companies.
Cheap insurance in Illinois for teens after a ticket or accident: State Farm
State Farm has the best low-cost auto insurance in Illinois for teens with a speeding ticket or accident.
Minimum coverage from State Farm costs around $156 per month for an 18-year-old with a single speeding ticket. That's 46% cheaper than the Illinois average, which is $289 per month.
State Farm costs $171 per month for minimum coverage after an accident, which is half as expensive as the statewide average.
Minimum coverage quotes for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| State Farm | $156 | $171 |
| Country Financial | $165 | $193 |
| Travelers | $191 | $218 |
| Geico | $210 | $274 |
| American Family | $225 | $303 |
Young drivers in Illinois can expect their rates to increase by around 22% after one speeding ticket and 42% after an at-fault accident.
That's because insurance companies believe these drivers are more likely to cause another accident in the future. This makes them more expensive to cover.
Cheapest insurance companies in IL after a DUI: Travelers
Travelers has the best rates in Illinois for drivers with a DUI, charging $163 per month for a full coverage policy. That's 42% cheaper than the Illinois average, which is $280 per month.
Cheapest Illinois DUI insurance
Company | Monthly rate |
|---|---|
| Travelers | $163 |
| Country Financial | $210 |
| Progressive | $230 |
| American Family | $257 |
| State Farm | $274 |
Driving under the influence is serious, and it has a big impact on your insurance rates. In Illinois, rates increase by an average of 59% after one DUI.
Cheapest insurance for drivers with poor credit: Travelers
Travelers has the most affordable quotes in Illinois for drivers with bad credit. Its average price is just $169 per month for a full coverage policy. That makes Travelers 49% cheaper than the state average.
Cheapest Illinois car insurance quotes for drivers with poor credit
Company | Monthly rate |
|---|---|
| Travelers | $169 |
| Country Financial | $203 |
| American Family | $248 |
| Progressive | $294 |
| Allstate | $365 |
Having a low credit score doesn't mean you're a bad driver, but it can affect your insurance rates. Auto insurance in Illinois is 86% more expensive for people with a poor credit score. That's because insurance companies have found that people with lower credit scores tend to file more claims.
Improving your credit doesn't happen overnight. But there are a few ways you can boost your credit score to lower your insurance rates, like making your payments on time.
Best car insurance in Illinois
State Farm is the best company for Illinois drivers who want great service, coverage and rates.
You can trust State Farm to help get your life back to normal quickly after an accident. The company earned a high score on J.D. Power's claims satisfaction survey. That means customers are typically happy with the service they receive from State Farm.
In addition, State Farm has some of the most affordable rates in Illinois.
Best Illinois insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| American Family | 838 | A | |
| Travelers | 829 | A++ | |
| Farmers | 815 | A |
When shopping for the best auto insurance in Illinois, you should consider customer service reviews along with cost.
A company with great reviews can provide a fast and easy claims process after a crash. On the other hand, poor customer service may mean that you have to pay more money to fix your car or wait longer for repairs to be made.
Average cost of Illinois auto insurance by city
The most expensive city for auto insurance in Illinois is Phoenix, a village south of Chicago, where full coverage costs around $262 per month.
The cheapest city is Chenoa, where full coverage costs $154 per month, on average.
Full coverage auto insurance quotes in Illinois by city
City | Monthly rate | % from average |
|---|---|---|
| Abingdon | $165 | -6% |
| Adair | $166 | -6% |
| Addieville | $168 | -4% |
| Addison | $190 | 8% |
| Albany | $161 | -8% |
Car insurance quotes tend to be more expensive in denser urban areas. This is because more traffic and higher crime rates mean drivers are more likely to get in a crash or have their car stolen.
Illinois car insurance requirements
Drivers in Illinois need 25/50/20 in liability coverage, the minimum amount of liability insurance to drive legally.
This coverage pays for another driver's injuries or damage to their car if you cause an accident. Uninsured motorist bodily injury coverage pays for your own injuries if you're hit by someone who doesn't have insurance.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000 per accident
- Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident
If you have a car loan or lease, the finance company may require you to have full coverage car insurance. That's because full coverage includes comprehensive and collision coverage, which protect your car against damage.
What's the best car insurance coverage for Illinois drivers?
Minimum coverage policies meet the state's requirements for car insurance. Minimum liability will only pay for the damage to other cars and injuries to other people after an accident.
A full coverage policy includes comprehensive and collision coverages, which protect your car after an accident. Without full coverage, you'll have to pay to repair or replace your car if you cause a crash.
Full coverage car insurance costs $105 per month more than liability-only car insurance in Illinois.
That's because full coverage includes comprehensive and collision coverages in addition to liability insurance. These coverages will pay to repair or replace your car after an accident you cause, theft, hail damage and many other types of damage.
If your car is worth more than $5,000, it's usually a good idea to get a full coverage policy.
Frequently asked questions
What is the cheapest full coverage car insurance in Illinois?
Travelers has the cheapest full coverage quotes in Illinois, with an average of $110 per month. State Farm also has affordable rates, averaging $117 per month. State Farm's reliable customer service makes it the best option for Illinois drivers shopping for full coverage insurance.
How much is car insurance in Illinois per month?
The average cost of car insurance in Illinois is $176 per month for full coverage. Minimum coverage costs an average of $71 per month.
Is Illinois car insurance expensive?
Auto insurance in Illinois is more expensive than the national average. Full coverage in Illinois costs $176 per month, which is 7% more than the national average. At $71 per month, minimum coverage in Illinois costs 10% more than average.
How much does auto insurance in Joliet cost?
The average cost of car insurance in Joliet, a Chicago suburb, is $189 per month for full coverage. That's 8% higher than average in Illinois. In comparison,
What car insurance is required in Illinois?
Drivers in Illinois must have $25,000 of bodily injury liability coverage per person and $50,000 per accident, as well as the same limits for uninsured motorist coverage. Illinois drivers must also have $20,000 of property damage coverage per accident.
Methodology
To find the cheapest car insurance in Illinois, ValuePenguin collected thousands of quotes for ZIP codes across Illinois from the largest companies in the state. Rates are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Quotes are for a full coverage policy with higher liability limits than required in Illinois, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.