Best cheap car insurance in Illinois

Cheapest car insurance quotes in Illinois: State Farm

For a minimum-coverage car insurance policy, the cheapest insurance companies in Illinois are State Farm and Country Financial. State Farm's typical price of just $20 per month is 50% cheaper than the overall average statewide. Country Financial is the second-cheapest option and the only other insurer offering a policy for less than $500 per year.

Cheapest minimum coverage car insurance in Illinois

Minimum coverage policies meet the minimum coverage requirements as determined by state law. Unlike full coverage, minimum coverage does not include comprehensive and collision coverages, which pay for repairs to your own car after an accident. With a liability-only policy, you'll have to pay out of pocket to fix your car for any crash in which you're responsible.

Cheapest company for full coverage in Illinois: State Farm

The cheapest full-coverage car insurance company in Illinois is State Farm, with an impressively affordable rate of $77 per month. Country Financial and Travelers also offer full coverage quotes for under $1,400 per year.

A full-coverage car insurance policy includes comprehensive and collision coverages in addition to liability insurance. Drivers who wish to protect themselves against damage to their cars should consider purchasing a full-coverage auto insurance policy.

Cheapest car insurance quotes for Illinois drivers with prior incidents

Drivers with less-than-perfect driving histories will likely find more expensive quotes for car insurance. This makes it even more important to shop around and look for the most affordable rates for you.

Cheapest car insurance for drivers with a speeding ticket: State Farm

State Farm has the lowest cost of insurance for Illinois drivers with speeding tickets, with a typical price of $82 per month. That's less than half the cost of the state average. Car insurance companies tend to raise rates after you receive a speeding ticket, though some raise prices more than others.

Cheapest for drivers after an accident: State Farm

The cheapest insurance company for a full-coverage auto insurance policy with one prior accident in Illinois is State Farm. Typical quotes after a crash are just $89 per month — $64 less than the second-cheapest option, and an increase of just $12 per month compared to a driver with no recent incidents.

Drivers with an accident on their driving records tend to see more expensive rates than those without any prior accident history. We found a typical rate increase of $906 per year in Illinois after a single at-fault accident.

Of note, the most expensive policy we found — $438 per month from Allstate — is nearly five times as expensive as the cheapest — $89 per month from State Farm. Given the variability in rates from insurers for different driver profiles, we always recommend shopping around for car insurance.

Cheapest car insurance for drivers with a DUI: Progressive

For drivers with a DUI on their records, Progressive offers the best rates in Illinois. There, you'll find an average price of $136 per month for a full coverage policy.

Being caught driving under the influence is one of the most serious driving infractions there are, and the consequences are steep. Across the most popular companies in Illinois, rates increase an average of 62% after one DUI conviction.

Cheapest IL car insurance after a DUI

Cheapest car insurance quotes for drivers with poor credit: Country Financial

For drivers with bad credit, Country Financial is the cheapest option in Illinois. Its average price is just $161 per month for a full coverage policy.

Having a low credit score doesn't mean you're a bad driver, but unfortunately, it can affect your insurance rates. Insurance companies have found a correlation between a driver's credit score and how likely they are to file a claim, so people with lower credit scores tend to pay more.

Cheapest IL car insurance with poor credit

Improving your credit doesn't happen overnight, but there are a few ways you can boost your credit score to lower your insurance rates.

Cheapest car insurance for young drivers in Illinois: Country Financial

State Farm has the best price for full coverage for 18-year-old drivers ($233 monthly), while Country Financial is the most affordable option for basic protection ($1,222).

Younger drivers almost always pay much more for car insurance than older drivers, especially if they are buying a policy on their own. The average price of car insurance for an 18-year-old on their own policy is $424 per month for full coverage and $190 for minimum coverage.

Cheapest IL car insurance companies for teens

Cheapest car insurance for young drivers after a speeding ticket: State Farm

State Farm has the lowest rate available to most teens, with an average price of $110 per month. That's 53% cheaper than the average rate overall.

Cheapest car insurance for teen drivers after an accident: State Farm

The company with the best overall rate is State Farm, where we found an average price of $120 per month. Drivers pay more for car insurance after an accident, regardless of age. Young drivers pay about 46% more for car insurance if they've been in an accident.

Younger drivers can save money on their insurance by sharing the policy with an older adult, like a parent or sibling.

Best car insurance companies in Illinois

USAA has the best overall combination of affordable service, cheap quotes and varied coverage options, but it's only available to people affiliated with the military and their families.

State Farm also offers a great mix of affordability, great coverage options and reliable service and is more widely available.

Best IL auto insurance

Average cost of car insurance in Illinois by city

The most expensive city for auto insurance in Illinois is Dolton, where the average price is $215 per month for full coverage. The cheapest city is Galesburg, with monthly rates of approximately $125 — about 40% cheaper. Car insurance quotes tend to be more expensive in denser urban areas where drivers are more likely to get in crashes and file claims.

The average annual quote for full-coverage car insurance in Illinois is $1,751, though rates vary substantially by city.

Illinois car insurance coverage requirements

Drivers in Illinois need to abide by the state's mandatory minimum auto insurance requirements. That means a policy with at least $25,000 per person/$50,000 per accident of bodily injury coverage and the same amount of uninsured motorist coverage, plus $20,000 of property damage liability:

Illinois is not a "no-fault" state, so drivers are not required to carry personal injury protection (PIP) coverage. If you do not carry comprehensive and collision insurance, which are included in a full coverage policy, your own car will not be protected.

Frequently asked questions

Methodology

We collected thousands of quotes for ZIP codes across Illinois from the largest insurers in the state. Our sample driver was a 30-year-old male with average credit who drives a 2015 Honda Civic EX.

The base policy for the study was a full coverage policy with the following limits:

For our minimum coverage policy, we quoted a policy with the minimum required limits in Illinois.

For other rates analyzed (age, credit score, accident history and marriage status), the base policy was altered to reflect the new driver.

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.