Who Has the Cheapest Auto Insurance Quotes in Illinois? (2020)
Who Has the Cheapest Auto Insurance Quotes in Illinois? (2020)
Find Cheap Auto Insurance Quotes in Illinois
The average cost of a minimum coverage car insurance policy in Illinois was $439 for a 6-month policy and $878 for an annual policy, or $73 per month. We compared auto insurance quotes throughout the state of Illinois to help drivers determine which companies offered the best rates.
Cheapest for minimum liability
Cheapest for full coverage
Cheapest for drivers with an accident
Best for customer service
Car insurance rates in Illinois can range by more than $2,000 depending on the company or policy type. That's why it's important to compare auto quotes from multiple insurers to get the best rate.
Learn more below, or enter your ZIP code above to see a list of cheap car insurance companies near you.
Who has the cheapest car insurance in Illinois?
For a minimum coverage car insurance policy, the cheapest insurers in Illinois are: State Farm, Country Financial and American Family. Together, these three insurance companies had an average premium of $573, or 35% cheaper than the overall Illinois state average of $878.
Find Cheap Auto Insurance Quotes in Illinois
We looked at nine companies to identify which ones had the best minimum coverage insurance quotes in Illinois. Below we ranked the cheapest car insurers in Illinois from cheapest to most expensive based on average annual premiums.
While these are statewide rankings, insurers can quote the same driver living in different places quite differently depending on the company's record of insurance claims in that area. It's best to get at least three quotes. Start by typing in your ZIP code above to see a list of companies active in your area.
| Rank | Insurer | Rate |
|---|---|---|
| 1 | State Farm | $495 |
| 2 | Country Financial | $604 |
| 3 | American Family | $619 |
| 4 | Progressive | $830 |
| 5 | GEICO | $981 |
| 6 | Travelers | $1,007 |
| 7 | Allstate | $1,283 |
| 8 | Farmers Insurance | $1,644 |
| NA | USAA | $443 |
The difference between the average full ($2,313) and minimum coverage ($878) car insurance policies in Illinois was $1,435.
Minimum coverage policies meet the minimum coverage requirements as determined by state law. Unlike full coverage, minimum coverage does not include comprehensive and collision. Though having a minimum coverage policy is legal, low coverage limits may put you at risk of insufficient coverage in the event of a car accident.
Cheap full coverage car insurance rates in Illinois
The cheapest full coverage car insurance companies in Illinois are: State Farm, American Family and Progressive. Together, the three cheapest auto insurers had an average premium of $1,638, which is 29% cheaper than the overall Illinois state average of $2,313.
Below we include the complete list of full coverage car insurance rates with no accident history for all nine insurance companies analyzed in Illinois.
| Rank | Insurer | Rate |
|---|---|---|
| 1 | State Farm | $1,246 |
| 2 | American Family | $1,787 |
| 3 | Progressive | $1,881 |
| 4 | Country Financial | $1,978 |
| 5 | GEICO | $2,316 |
| 6 | Travelers | $2,414 |
| 7 | Allstate | $4,002 |
| 8 | Farmers Insurance | $4,010 |
| NA | USAA | $1,184 |
A full coverage car insurance policy includes liability insurance, personal injury protection (PIP) and comprehensive and collision coverage. Drivers that wish to protect themselves against damage to their car should consider purchasing a full coverage auto insurance policy.
Best full coverage car insurance policy with one prior accident in Illinois
For a full coverage auto insurance policy with one prior accident, the cheapest insurance companies in Illinois were: State Farm, Progressive and Country Financial. Together, these companies offered an average rate of $2,161, or 36% cheaper than the overall Illinois state average of $3,363.
| Rank | Insurer | Rate |
|---|---|---|
| 1 | State Farm | $1,477 |
| 2 | Progressive | $2,488 |
| 3 | Country Financial | $2,518 |
| 4 | American Family | $2,743 |
| 5 | Travelers | $3,144 |
| 6 | GEICO | $3,455 |
| 7 | Farmers Insurance | $5,907 |
| 8 | Allstate | $6,893 |
| NA | USAA | $1,645 |
Drivers with an accident on their driving record tend to have more expensive rates than those without any prior accident history. The rate difference between a full coverage policy with no accident history ($2,313) versus with one prior accident ($3,363) was $1,050.
Of note, the most expensive policy was $6,893 from Allstate, or more than four times as much as the cheapest at State Farm ($1,477). Given the variability in rates from insurers for different driver profiles, we always recommend shopping around for car insurance.
Top rated auto insurance companies in Illinois
Based on customer complaint data from the Illinois Department of Insurance, Country Financial, Farmers Insurance and Hanover Insurance Group (Allmerica) have the best customer service. State Farm, American Family and Progressive, which were among the cheapest car insurance providers in our survey, also scored well for customer satisfaction.
Trying to judge which auto insurance company is the most reliable and has the best customer service can be difficult. One statistic we think is useful is called the 'complaint ratio', which measures the rate at which customers file complaints about an insurer, adjusted for the size of the company. We've ranked top insurers in the state by this statistic below. The lower the ratio, the better the company's rating.
| Rank | Company | Complaint Ratio |
|---|---|---|
| 1 | Country Financial | 0.04 |
| 2 | Farmers Insurance | 0.09 |
| 3 | The Hanover Group (Allmerica) | 0.10 |
| 4 | USAA | 0.10 |
| 5 | State Farm | 0.11 |
| 6 | Safeco, A Liberty Mutual Company | 0.12 |
| 7 | Standard Fire Insurance | 0.14 |
| 8 | Erie | 0.15 |
| 9 | GEICO | 0.19 |
| 10 | Allstate | 0.20 |
| 11 | American Family | 0.21 |
| 12 | Progressive | 0.25 |
| 13 | The Auto Club Group | 0.28 |
| 14 | Auto-Owners | 0.35 |
| 15 | Liberty Mutual | 0.34 |
| 16 | Nationwide | 0.40 |
| 17 | Farmers Insurance (Bristol West Insurance Company) | 0.49 |
| 18 | Safe Auto Insurance Company | 0.52 |
| 19 | Ameriprise (IDS) | 0.58 |
| 20 | Elephant Insurance Company | 1.17 |
| 21 | First Acceptance Insurance Company Inc. | 1.46 |
| 22 | Safeway Insurance Company | 1.48 |
| 23 | American Access Casualty Company | 1.60 |
| 24 | Loya Insurance Company | 1.63 |
| 25 | First Chicago Insurance Company | 1.75 |
| 26 | Unique Insurance Company | 3.18 |
| 27 | Founders Insurance Company | 3.28 |
| 28 | Falcon Insurance Company | 3.36 |
| 29 | Stonegate Insurance Company | 3.76 |
| 30 | American Freedom Insurance Company | 4.24 |
| 31 | American Alliance Casualty Company | 4.30 |
| 32 | Lighthouse Casualty Company | 4.95 |
| 33 | Direct Auto Insurance Company | 5.85 |
| 34 | United Equitable Insurance Company | 6.91 |
This figure captures the number of complaints each company receives in a calendar year per $1 million in written premiums. Looking for the company near you with the lowest complaint ratio can give you an apples-to-apples comparison in your search for the best auto insurance company.
The lower the ratio, the better the company's rating. Lower complaint ratios suggest the company receives fewer complaints than expected for a company of its size.
Illinois car insurance coverage requirements
Drivers in Illinois need to abide by the state's mandatory minimum auto insurance requirements. The following are the mandatory limits:
- Bodily injury liability insurance: $25,000 per person and $50,000 per accident
- Property damage liability insurance: $20,000 per accident
- Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
Illinois is not a "no-fault" state and so drivers are only required to carry liability insurance. If you do not carry comprehensive and collision insurance, which is included in a full coverage policy, damage to your own car will not be protected.
Cheapest car insurance rates in Illinois by city
Given that auto insurance rates can differ drastically depending on where you live, we pulled quotes from the 50 most populated cities in Illinois where available. Here is a table that highlights the cheapest insurers in each city, including their annual full coverage rates. We discuss the cheapest auto insurance in the five largest cities in Illinois in detail further below.
Best car insurance by city in Illinois
| City | Car insurer | Average annual rate |
|---|---|---|
| Addison | State Farm | $1,475 |
| American Family | $1,870 | |
| Progressive | $2,013 | |
| Arlington Heights | State Farm | $1,387 |
| American Family | $1,810 | |
| Progressive | $1,900 | |
| Aurora | State Farm | $1,365 |
| American Family | $1,690 | |
| Progressive | $1,897 | |
| Bartlett | State Farm | $1,511 |
| American Family | $1,813 | |
| Progressive | $1,960 | |
| Belleville | State Farm | $1,347 |
| American Family | $1,949 | |
| Country Financial | $2,066 | |
| Berwyn | State Farm | $1,738 |
| American Family | $2,325 | |
| Country Financial | $2,412 | |
| Bloomington | State Farm | $1,158 |
| American Family | $1,607 | |
| Progressive | $1,768 | |
| Bolingbrook | State Farm | $1,632 |
| American Family | $1,812 | |
| Progressive | $2,033 | |
| Buffalo Grove | State Farm | $1,536 |
| American Family | $1,944 | |
| Progressive | $2,038 | |
| Calumet City | State Farm | $1,876 |
| Progressive | $2,586 | |
| American Family | $2,616 | |
| Carol Stream | State Farm | $1,392 |
| American Family | $1,733 | |
| Progressive | $1,821 | |
| Carpentersville | State Farm | $1,384 |
| American Family | $1,709 | |
| Country Financial | $2,044 | |
| Champaign | State Farm | $1,157 |
| American Family | $1,587 | |
| Progressive | $1,720 | |
| Chicago | State Farm | $1,740 |
| Progressive | $2,388 | |
| American Family | $2,396 | |
| Cicero | State Farm | $1,849 |
| American Family | $2,373 | |
| Progressive | $2,478 | |
| Crystal Lake | State Farm | $1,295 |
| American Family | $1,667 | |
| Progressive | $1,768 | |
| Decatur | State Farm | $1,312 |
| American Family | $1,713 | |
| Progressive | $1,727 | |
| DeKalb | State Farm | $1,131 |
| Progressive | $1,676 | |
| American Family | $1,694 | |
| Des Plaines | State Farm | $1,501 |
| American Family | $2,185 | |
| Country Financial | $2,203 | |
| Downers Grove | State Farm | $1,293 |
| American Family | $1,730 | |
| Progressive | $1,904 | |
| Elgin | State Farm | $1,410 |
| American Family | $1,782 | |
| Country Financial | $2,005 | |
| Elmhurst | State Farm | $1,331 |
| American Family | $1,733 | |
| Progressive | $1,767 | |
| Evanston | State Farm | $1,578 |
| American Family | $1,884 | |
| Progressive | $2,139 | |
| Glenview | State Farm | $1,656 |
| American Family | $2,075 | |
| Progressive | $2,147 | |
| Hanover Park | State Farm | $1,507 |
| American Family | $1,870 | |
| Progressive | $1,870 | |
| Hoffman Estates | State Farm | $1,457 |
| American Family | $1,875 | |
| Progressive | $1,948 | |
| Joliet | State Farm | $1,512 |
| American Family | $1,760 | |
| Progressive | $2,021 | |
| Lombard | State Farm | $1,311 |
| American Family | $1,680 | |
| Progressive | $1,837 | |
| Moline | State Farm | $1,129 |
| American Family | $1,574 | |
| Progressive | $1,592 | |
| Mount Prospect | State Farm | $1,408 |
| American Family | $1,870 | |
| Country Financial | $2,062 | |
| Naperville | State Farm | $1,292 |
| American Family | $1,662 | |
| Progressive | $1,906 | |
| Normal | State Farm | $1,127 |
| Progressive | $1,572 | |
| American Family | $1,584 | |
| Oak Lawn | State Farm | $1,559 |
| American Family | $2,151 | |
| Progressive | $2,240 | |
| Oak Park | State Farm | $1,580 |
| American Family | $2,151 | |
| Progressive | $2,240 | |
| Orland Park | State Farm | $1,455 |
| American Family | $1,886 | |
| Country Financial | $2,032 | |
| Palatine | State Farm | $1,405 |
| American Family | $1,810 | |
| Progressive | $1,911 | |
| Park Ridge | State Farm | $1,560 |
| American Family | $2,075 | |
| Progressive | $2,149 | |
| Peoria | State Farm | $1,307 |
| American Family | $1,788 | |
| Progressive | $1,795 | |
| Plainfield | State Farm | $1,467 |
| American Family | $1,733 | |
| Progressive | $1,938 | |
| Quincy | State Farm | $1,009 |
| American Family | $1,622 | |
| Progressive | $1,697 | |
| Rock Island | State Farm | $1,159 |
| American Family | $1,552 | |
| Progressive | $1,642 | |
| Rockford | State Farm | $1,399 |
| American Family | $1,729 | |
| Country Financial | $2,024 | |
| Romeoville | State Farm | $1,469 |
| American Family | $1,694 | |
| Progressive | $1,859 | |
| Schaumburg | State Farm | $1,375 |
| American Family | $1,870 | |
| Progressive | $1,941 | |
| Skokie | State Farm | $1,723 |
| American Family | $2,185 | |
| Country Financial | $2,398 | |
| Springfield | State Farm | $1,283 |
| American Family | $1,681 | |
| Progressive | $1,811 | |
| Streamwood | State Farm | $1,458 |
| American Family | $1,884 | |
| Progressive | $1,925 | |
| Tinley Park | State Farm | $1,425 |
| American Family | $1,922 | |
| Progressive | $1,967 | |
| Urbana | State Farm | $1,196 |
| American Family | $1,584 | |
| Progressive | $1,696 | |
| Wheaton | State Farm | $1,342 |
| American Family | $1,743 | |
| Progressive | $1,745 |
Where you live has a significant impact on your rates. Below we compare full coverage car insurance quotes for the five most populated cities in Illinois:
- Chicago
- Aurora
- Naperville
- Joliet
- Rockford
Cheap car insurance quotes in Chicago
- Average annual auto insurance quote in Chicago = $3,092
- 34% more expensive than Illinois average
If you're looking for cheap car insurance in Chicago, we suggest starting with State Farm, Progressive and American Family.
Best auto insurance quotes in Aurora, Illinois
- Average annual auto insurance quote in Aurora = $2,344
- Comparable to Illinois average
For low-cost car insurance quotes in Aurora, we recommend State Farm, American Family and Progressive.
Best car insurance quotes in Naperville, Illinois
- Average annual auto insurance quote in Naperville = $2,293
- Comparable to Illinois average
Naperville has the most affordable auto insurance of Illinois's largest cities. Drivers can still find savings, however, as the three cheapest insurers' premiums averaged $1,620 per year, or 29% cheaper than the overall Naperville average.
Cheap auto insurance quotes in Joliet, Illinois
- Average annual auto insurance quote in Joliet = $2,472
- 7% more expensive than Illinois average
The average annual quote of the three cheapest insurers, $1,764, represents a 29% decrease relative to the Joliet city average.
Cheapest car insurance quotes in Rockford, Illinois
- Average annual auto insurance quote in Rockford = $2,360
- In line with Illinois average
Rockford, Illinois, the fifth-most populated city in the state, has the best auto insurance quotes in Rockford at State Farm, American Family and Country Financial.
How much is car insurance in Illinois?
The average annual quote of full coverage car insurance in Illinois was $2,313, though rates vary substantially by city.
The three most expensive cities for auto insurance in Illinois were: Calumet City, Cicero and Chicago. The cheapest cities were: Quincy, Champaign and Urbana. Car insurance premiums tend to be more expensive in denser urban areas where the likelihood of an accident and claim filing is higher.
Below we list the average cost of car insurance in Illinois by its 50 most populated cities, where quotes were available.
| Rank | City | Annual car insurance premium |
|---|---|---|
| 1 | Calumet City | $3,374 |
| 2 | Cicero | $3,234 |
| 3 | Chicago | $3,092 |
| 4 | Skokie | $3,056 |
| 5 | Berwyn | $2,991 |
| 6 | Oak Park | $2,839 |
| 7 | Park Ridge | $2,808 |
| 8 | Oak Lawn | $2,785 |
| 9 | Des Plaines | $2,751 |
| 10 | Glenview | $2,705 |
| 11 | Evanston | $2,666 |
| 12 | Buffalo Grove | $2,632 |
| 13 | Mount Prospect | $2,592 |
| 14 | Bolingbrook | $2,541 |
| 15 | Hoffman Estates | $2,531 |
| 16 | Streamwood | $2,527 |
| 17 | Bartlett | $2,522 |
| 18 | Orland Park | $2,521 |
| 19 | Hanover Park | $2,517 |
| 20 | Tinley Park | $2,511 |
| 21 | Addison | $2,511 |
| 22 | Schaumburg | $2,495 |
| 23 | Joliet | $2,742 |
| 24 | Romeoville | $2,451 |
| 25 | Belleville | $2,442 |
| 26 | Palatine | $2,433 |
| 27 | Plainfield | $2,430 |
| 28 | Carol Stream | $2,415 |
| 29 | Carpentersville | $2,408 |
| 30 | Arlington Heights | $2,398 |
| 31 | Elgin | $2,394 |
| 32 | Downers Grove | $2,392 |
| 33 | Elmhurst | $2,380 |
| 34 | Rockford | $2,360 |
| 35 | Aurora | $2,344 |
| 36 | Lombard | $2,331 |
| 37 | Peoria | $2,328 |
| Average | Illinois | $2,313 |
| 38 | Wheaton | $2,299 |
| 39 | Naperville | $2,293 |
| 40 | Springfield | $2,260 |
| 41 | Crystal Lake | $2,237 |
| 42 | Decatur | $2,224 |
| 43 | DeKalb | $2,142 |
| 44 | Normal | $2,115 |
| 45 | Rock Island | $2,108 |
| 46 | Bloomington | $2,101 |
| 47 | Moline | $2,074 |
| 48 | Urbana | $2,071 |
| 49 | Champaign | $2,070 |
| 50 | Quincy | $2,042 |
Methodology
We obtained quotes for insuring a 2015 Honda Civic EX owned by our benchmark driver, a single, 30-year-old male. The driver was profiled as having no credit history, which makes him equivalent to a driver with below-fair to poor credit, according to our data source, Quadrant Information Services. Quotes were drawn from all available ZIP codes in Illinois.
When our driver had a full coverage policy, we gave him coverage limits slightly above Illinois' minimum requirements.
Full coverage policy
| Coverage type | Study limits |
|---|---|
| Bodily liability | $50,000 per person/ $100,000 per accident |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist BI | $50,000 per person/ $100,000 per accident |
| Comprehensive & collision | $500 deductible |
Our rates for a minimum coverage policy represent the average cost of a policy that meets Illinois' state's minimum required car insurance coverage.
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.