Best & Cheapest Car Insurance Quotes in Illinois (2026)
Travelers has the cheapest full coverage car insurance in Illinois, at $120 per month.
Find Cheap Car Insurance Quotes in Illinois
Best cheap auto insurance in IL
Travelers and Erie are the cheapest companies for most people in Illinois.
- Want full coverage? Travelers: $120/mo
- Only need minimum coverage? Erie: $42/mo
- Want the best customer service? Erie: $141/mo
- Have a speeding ticket? Travelers: $152/mo
- Caused an accident? Travelers: $169/mo
- Need coverage for a young driver? Erie: $91/mo
- Got a DUI? Travelers: $176/mo
- Have poor credit? Travelers: $182/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in IL: Travelers
Travelers and Erie have the cheapest full coverage car insurance in Illinois.
- Travelers has the cheapest full coverage quotes in Illinois, at $120 per month. That's $65 per month cheaper than the Illinois average of $185 per month.
- However, Erie's superior customer service makes it a better choice for most people. Full coverage from Erie costs around $141 per month, which is $44 per month less than average.
Find Cheap Car Insurance Quotes in Illinois
Best full coverage car insurance rates in Illinois
Company | Monthly rate |
|---|---|
| Travelers | $120 |
| Erie | $141 |
| Auto-Owners | $154 |
| Progressive | $157 |
| Country Financial | $158 |
Data-powered research on Illinois car insurance
Cheap liability insurance quotes in Illinois: Erie
Erie has the cheapest liability car insurance in Illinois. At $42 per month, a minimum liability policy from Erie costs $25 per month less than the state average.
Cheapest Illinois liability car insurance
Company | Monthly rate |
|---|---|
| Erie | $42 |
| Travelers | $47 |
| Auto-Owners | $48 |
| State Farm | $62 |
| USAA* | $62 |
*USAA is only available to current and former military members and their families.
Understanding minimum coverage insurance in Illinois
Unlike most states, Illinois requires all drivers to have uninsured motorist coverage on their car insurance. This covers you if you’re hit by a driver who doesn’t have insurance.
Illinois drivers need to have 25/50 of uninsured motorist coverage. But buying at least 50/100 or 100/300 limits is a good idea. Medical bills can add up quickly, and more insurance means more protection against those costs.
You can use websites such as Kelley Blue Book to figure out how much your car is worth. That can help you decide how much uninsured motorist property damage coverage to buy.
If you decide to buy more than the minimum coverage limit for uninsured motorist costs, you also have to buy underinsured motorist coverage, also called UIM coverage. Underinsured motorist coverage helps pay your bills if you're hit by someone who doesn't have enough insurance to pay for the damage they cause to your car.
Average car insurance cost in Illinois by city
- Travelers has the cheapest full coverage insurance in 95% of cities and towns across Illinois, including Chicago. Erie has the cheapest rates in 4% of Illinois cities, followed by Auto-Owners (1%).
- Dolton, a village south of Chicago, is the most expensive city for auto insurance in Illinois.
- Full coverage in Dolton costs around $303 per month.
- Chenoa, a city east of Peoria, is the cheapest city in Illinois, at $167 per month, on average.
Find Cheap Car Insurance Quotes in Illinois
Cheapest full coverage Illinois car insurance rates by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Chicago | $266 | Travelers | $153 |
| Aurora | $196 | Travelers | $122 |
| Joliet | $209 | Travelers | $127 |
| Naperville | $193 | Travelers | $120 |
| Rockford | $202 | Travelers | $119 |
| Elgin | $201 | Travelers | $126 |
| Springfield | $198 | Travelers | $129 |
| Peoria | $198 | Travelers | $127 |
| Champaign | $180 | Travelers | $114 |
| Waukegan | $207 | Travelers | $123 |
| Bloomington | $174 | Auto-Owners | $126 |
| Evanston | $223 | Auto-Owners | $154 |
| Decatur | $192 | Travelers | $113 |
| Des Plaines | $222 | Travelers | $141 |
| Berwyn | $256 | Travelers | $147 |
| Wheaton | $191 | Travelers | $119 |
| Elmhurst | $199 | Travelers | $123 |
| Moline | $179 | Travelers | $106 |
| Crystal Lake | $184 | Travelers | $115 |
| Belleville | $210 | Travelers | $137 |
| DeKalb | $178 | Travelers | $107 |
| Quincy | $179 | Travelers | $109 |
| Urbana | $183 | Travelers | $115 |
| Park Ridge | $223 | Travelers | $144 |
| Rock Island | $184 | Travelers | $107 |
| St. Charles | $188 | Travelers | $117 |
| O'Fallon | $202 | Travelers | $135 |
| Pekin | $184 | Travelers | $112 |
| North Chicago | $208 | Travelers | $123 |
| Highland Park | $207 | Erie | $133 |
| Galesburg | $178 | Travelers | $102 |
| McHenry | $188 | Travelers | $114 |
| Danville | $189 | Travelers | $116 |
| Burbank | $244 | Travelers | $147 |
| Edwardsville | $200 | Erie | $143 |
| Lockport | $199 | Travelers | $125 |
| Batavia | $189 | Travelers | $117 |
| Oak Forest | $223 | Travelers | $127 |
| Chicago Heights | $253 | Travelers | $143 |
| Woodstock | $188 | Travelers | $120 |
| Belvidere | $190 | Travelers | $116 |
| West Chicago | $197 | Travelers | $123 |
| Alton | $218 | Travelers | $130 |
| Yorkville | $193 | Travelers | $116 |
| Zion | $206 | Travelers | $125 |
| Collinsville | $202 | Travelers | $133 |
| Kankakee | $201 | Travelers | $122 |
| Loves Park | $189 | Travelers | $113 |
| Rolling Meadows | $198 | Travelers | $120 |
| Freeport | $179 | Travelers | $101 |
| East Peoria | $182 | Travelers | $112 |
| Darien | $204 | Travelers | $124 |
Best car insurance in Illinois: Erie
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Full coverage rate$141/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processBestClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingAAn A financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
ValuePenguin Senior Writer, Lindsay Bishop, chose the best car insurance companies in Illinois based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Illinois
- Optional coverage add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheap Illinois car insurance after a speeding ticket: Travelers
- Travelers has the cheapest auto insurance in Illinois for drivers with a speeding ticket. Full coverage from Travelers costs around $152 per month after one ticket, which is one-third cheaper than the state average in Illinois.
- Auto-Owners also has very affordable rates after a ticket, at $154 per month for full coverage. And Auto-Owners has much better customer service reviews than Travelers, so it could be worth a few extra dollars per month.
Affordable full coverage insurance in Illinois after a ticket
Company | Monthly rate |
|---|---|
| Travelers | $152 |
| Auto-Owners | $154 |
| Erie | $157 |
| State Farm | $193 |
| Country Financial | $202 |
Auto insurance companies in Illinois raise rates by around 23% after a single speeding ticket.
Cheapest Illinois vehicle insurance after an accident: Travelers
Travelers is the cheapest insurance company in Illinois after an accident. A full coverage policy from Travelers costs an average of $169 per month after a crash. That's $113 per month less than the state average.
Best cheap Illinois car insurance after a crash
Company | Monthly rate |
|---|---|
| Travelers | $169 |
| Auto-Owners | $188 |
| State Farm | $207 |
| Erie | $210 |
| Country Financial | $220 |
Rates go up by an average of 52% in Illinois after a single at-fault accident.
Because of how much rates can differ after an accident, you should always compare quotes from a few companies.
The most expensive company after an accident, Allstate, is more than three and a half times the price of Travelers. That could add up to a savings of more than $5,000 per year.
Cheapest auto insurance in IL for teens: Erie
Erie has the most affordable car insurance in Illinois for young drivers.
- A minimum liability policy from Erie costs $91 per month for an 18-year-old. That's around half the Illinois average, which is $171 per month.
- Erie also has the cheapest full coverage rates for teens. At $313 per month, full coverage from Erie is nearly one-third less than the state average.
Best car insurance quote in IL for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $91 | $313 |
| Country Financial | $136 | $326 |
| Travelers | $142 | $348 |
| Auto-Owners | $150 | $358 |
| USAA* | $154 | $412 |
*USAA is only available to current and former military members and their families.
One of the best ways for young drivers to save money is to share a policy with their parents. A shared policy typically costs much less than two separate policies.
Plus, you could get a multicar discount, which could save you up to 25%, depending on which company you choose.
Cheap Illinois auto insurance for teens with a bad driving record: Erie
Erie has the best low-cost auto insurance in Illinois for teens with a speeding ticket or accident.
- Speeding ticket: After a speeding ticket, liability-only coverage from Erie costs around $106 per month for an 18-year-old. That's less than half the Illinois average of $217 per month.
- Accident: Erie is also the cheapest company after a crash. At $128 per month for liability-only coverage, Erie costs less than half the state average for teens with an accident on their record.
Cheap liability car insurance in Illinois for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $106 | $128 |
| Auto-Owners | $150 | $206 |
| Country Financial | $177 | $204 |
| Travelers | $178 | $211 |
| Progressive | $184 | $192 |
- Earn a discount for getting good grades: Most insurance companies offer a good student discount for having a 3.0 or B GPA or higher.
- Combine low rates and discounts: The cheapest company in IL for teens with a bad driving record, Erie, offers a driver safety program for teens, teenSMART, that comes with a discount of up to 20%. That could result in savings of $21 to $26 per month.
Cheapest insurance rates in IL after a DUI: Travelers
Travelers has the best rates in Illinois for drivers with a DUI, at $176 per month for a full coverage policy. That's close to half the Illinois average, which is $337 per month.
Cheap auto insurance quotes in Illinois after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $176 |
| Progressive | $205 |
| Erie | $263 |
| Auto-Owners | $267 |
| USAA* | $323 |
*USAA is only available to current and former military members and their families.
You may need to have your insurance company file an SR-22 form for you after a DUI in Illinois. This form proves to the state that you have insurance coverage.
Progressive makes it easy to request an SR-22 when you get a quote online, so it may be the best choice if you need coverage quickly.
Cheapest IL insurance for drivers with poor credit: Travelers
Travelers has the most affordable quotes in Illinois for drivers with bad credit. The company's average price is just $182 per month for a full coverage policy. That makes Travelers' rate less than half the state average of $393 per month.
Cheapest Illinois car insurance for drivers with poor credit
Company | Monthly rate |
|---|---|
| Travelers | $182 |
| Country Financial | $224 |
| Progressive | $271 |
| Erie | $322 |
| USAA* | $296 |
*USAA is only available to current and former military members and their families.
- Improving your credit doesn't happen overnight. But there are a few ways you can boost your credit score to lower your insurance rates, such as making your payments on time and using a smaller portion of your available credit.
-
You can also save money by signing up for a safe driving program. These programs track your driving habits using a mobile app or device you plug into your car. People who drive safely could earn a big discount. This includes habits like staying under the speed limit and avoiding late-night driving.
For instance, the Travelers IntelliDrive program offers a discount of up to 30%. However, your rates could go up if you have unsafe driving habits.
Is your car insurance company raising rates in Illinois in 2026?
Only one major car insurance company in Illinois has meaningfully increased rates so far in 2026. However, several companies have lowered their rates across the state.
- ↑ Biggest increase: Farmers at +5.8%
- ↓ Biggest decrease: State Farm at -10.0%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| State Farm | ↓ 10.0% | ↑ 23.7% |
| Country Financial | ↓ 8.0% | ↑ 41.1% |
| Progressive | ↓ 5.4% | ↓ 1.2% |
| Erie | 0.0% | ↑ 93.2% |
| American Family | 0.0% | ↑ 61.1% |
| USAA | 0.0% | ↑ 32.5% |
| Travelers | 0.0% | ↑ 38.0% |
| AAA | 0.0% | ↑ 29.5% |
| Geico | ↑ 0.3% | ↑ 42.1% |
| Allstate | ↑ 0.9% | ↑ 58.3% |
| Liberty Mutual | ↑ 1.1% | ↑ 63.9% |
| Farmers | ↑ 5.8% | ↑ 86.6% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
Illinois car insurance requirements
Drivers in Illinois must have at least 25/50/20 of liability coverage to drive legally.
This coverage pays for another driver's injuries or damage to their car if you cause an accident.
You also need matching uninsured motorist bodily injury liability limits, which pay for your own injuries if you're hit by someone who doesn't have insurance.
IL minimum liability limits
- 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
Driving without car insurance is a petty offense in Illinois, which means it’s punishable by a fine of up to $1,000 with no risk of jail time.
Your vehicle registration and driver's license can also be suspended for up to three months, and until a $100 reinstatement fee and proof of insurance are submitted. The penalties for repeat offenses increase in severity.
Illinois law requires a person to carry a physical or digital insurance card in the vehicle while driving. The state can discover you don't have insurance in a couple of different ways:
- Verification during a traffic stop or accident. A police officer will likely ask for proof of insurance coverage if you’re pulled over for a traffic violation or involved in a car accident.
- The state's Electronic Liability Insurance Verification program. Illinois verifies each vehicle's liability policy at least twice per year through a third-party vendor. That vendor is linked to all insurance companies that write insurance policies in the state.
If either one of these methods shows you don’t have the minimum liability insurance coverage, you'll face several penalties.
The minimum fine for driving uninsured is $500. If you’re caught driving a vehicle with suspended license plates due to an insurance violation, the minimum fine is an additional $1,000. Those convicted of driving without insurance can also have their driver's license and registration suspended for three months or more, depending on their previous record.
First and second offense
- Fines: $500-$1,000; additional $1,000 for driving with suspended plates due to an insurance violation
- Driving privileges: Driver's license and registration suspended for up to three months
- Other: $100 reinstatement fee
Third and subsequent offenses
- Fines: $1,000; additional $1,000 for driving with suspended plates due to an insurance violation; additional $2,500 fine if you've been convicted twice and involved in an accident
- Driving privileges: Driver's license and registration suspended for four months
- Other: $100 reinstatement fee; required to provide proof of financial responsibility, also called an SR-22 certificate, for three years
What's the best car insurance coverage for Illinois drivers?
Full coverage insurance is the best choice for most drivers in IL.
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 fix or replace your own car if you cause a crash.
If you have a car loan or lease, your lender usually requires you to have collision and comprehensive coverage. These coverages are also a good idea if your car is worth more than $5,000 or less than 8 years old.
Full coverage car insurance can also have higher liability limits than the state requirement. This is important because the minimum amount of coverage required in Illinois probably isn't enough to fully cover the cost of a serious accident.
For example, if you hit and total a newer Tesla, $20,000 of property damage liability coverage isn't enough to buy a replacement car. You'll have to pay the difference out of pocket.
Frequently asked questions
What is the cheapest car insurance in Illinois?
Travelers has the cheapest full coverage car insurance in Illinois in 2026. Travelers charges an average of $120 per month for full coverage, which is $65 per month less than the state average.
Erie has the cheapest minimum liability rates in Illinois, at $42 per month, which is $25 per month less than average.
How much is car insurance in Illinois per month?
The average cost of auto insurance in Illinois is $185 per month for full coverage. Minimum liability coverage costs an average of $67 per month.
Is Illinois car insurance expensive?
Auto insurance in Illinois isn't expensive — it's actually 11% cheaper than the U.S. average. Full coverage in Illinois costs $185 per month, which is $23 per month cheaper than the national average. At $67 per month, minimum coverage in Illinois costs $9 per month less than average.
How much does auto insurance in Joliet cost?
The average cost of car insurance in Joliet, a Chicago suburb, is $209 per month for full coverage. That's 13% higher than average in Illinois. In comparison, full coverage insurance in Peoria costs around $198 per month.
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.
How do you file a complaint against a car insurance company in Illinois?
You can file a complaint with the Illinois Department of Insurance by submitting a form online, by email or by mail. Through this process, the Department of Insurance will investigate and may ask the insurance company to fix the issue.
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 2018 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: $50,000 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.
Auto insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Illinois Department of Insurance. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
