Best Cheap Car Insurance Quotes in Illinois (2023)

Best Cheap Car Insurance Quotes in Illinois (2023)

State Farm has the cheapest car insurance quotes for Illinois drivers, with minimum coverage rates of $30 per month.

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Best cheap car insurance in Illinois

To help drivers find the best cheap car insurance in Illinois, our editorial team collected quotes from top auto insurance companies across every ZIP code in the state. Quotes for minimum coverage meet the Illinois state minimum requirements: $25,000 in bodily injury liability coverage per person and $50,000 per accident (plus the same limits for uninsured motorist coverage), and $10,000 in property damage protection. Full coverage quotes include comprehensive and collision protection along with higher liability limits than the state minimums.

Additionally, we rated the best auto insurance companies in Illinois based on insurance costs for different drivers, coverage availability, customer service reviews and convenience.

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.

Find Cheap Auto Insurance Quotes in Illinois

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Cheapest minimum coverage car insurance in Illinois

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*USAA is only available to current and former military members and their families.

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.

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*USAA is only available to current and former military members and their families.

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.

Company
Monthly rate
State Farm$82
Travelers$139
Country Financial$142
American Family$155
Progressive$161
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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.

Company
Monthly rate
State Farm$89
Travelers$153
Country Financial$158
Progressive$187
American Family$204
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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

Company
Monthly rate
Progressive$136
Travelers$162
Country Financial$166
State Farm$171
American Family$235
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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

Company
Monthly rate
Country Financial$161
State Farm$166
Travelers$167
Progressive$203
American Family$226
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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

Company
Liability only
Full coverage
Country Financial$98$246
State Farm$100$233
Travelers$151$313
Progressive$156$435
Geico$167$412
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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.

Company
Monthly rate
State Farm$110
Country Financial$134
Progressive$162
Travelers$190
Geico$197
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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.

Company
Monthly rate
State Farm$120
Country Financial$157
Progressive$172
Travelers$217
Geico$255
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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

State Farm and USAA are the best companies for Illinois drivers who want the best service, coverage and rates.

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

Company
Editor's rating
J.D. Power
AM Best
USAA
881A++
State Farm
842A++
Geico
835A++
American Family
838A
Travelers
829A++
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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.

City
Monthly cost
% from average
Abingdon$133-7%
Adair$135-6%
Addieville$139-4%
Addison$1568%
Albany$130-10%
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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:

  • Bodily injury liability insurance: $25,000 per person/$50,000 per accident
  • Property damage liability insurance: $20,000 per accident
  • Uninsured motorist bodily injury coverage: $25,000 per person/$50,000 per accident

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

Who offers the cheapest car insurance quotes in Illinois?

State Farm offers the cheapest car insurance in Illinois, with a rate of $30 per month for minimum coverage, or $77 for full coverage.

How much is car insurance per month in Illinois?

The average cost of car insurance in Illinois is $60 per month for minimum coverage and $144 per month for full coverage.

Is auto insurance expensive in Illinois?

Auto insurance in Illinois is about the same as the rest of the country. Full coverage in Illinois costs $144 per month, which is $4 less than the national average.

Is auto insurance cheaper in Missouri or Illinois?

Minimum-coverage car insurance is cheaper in Missouri than Illinois by $4 per month. Full coverage, however, is more expensive on average, with Missouri drivers paying $10 more per month.

How much car insurance do I need in Illinois?

Drivers in Illinois are required to carry $25,000 bodily injury liability coverage per person and $50,000 per accident, as well as the same limits for uninsured motorist coverage. Illinois drivers are also required to have $20,000 of property damage coverage per accident.

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:

Coverage
Limits
Bodily injury liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

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.

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.