Who Has the Cheapest Auto Insurance Quotes in Illinois? (2020)

Find Cheap Auto Insurance Quotes in Illinois

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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.

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.

This chart shows the three cheapest auto insurance companies for our profiled driver selecting a full coverage policy with no prior history of accidents.
This chart shows the three cheapest auto insurance companies for our profiled driver selecting a full coverage policy with no prior history of accidents.

Find Cheap Auto Insurance Quotes in Illinois

Currently insured?
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We looked at nine companies to identify which ones had the best auto 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.

RankInsurerRate
1State Farm$495
2Country Financial$604
3American Family$619
4Progressive$830
5GEICO$981
6Travelers$1,007
7Allstate$1,283
8Farmers Insurance$1,644
NAUSAA$443
USAA is not ranked as only current and former military members and their families are eligible for a policy.

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.

RankInsurerRate
1State Farm$1,246
2American Family$1,787
3Progressive$1,881
4Country Financial$1,978
5GEICO$2,316
6Travelers$2,414
7Allstate$4,002
8Farmers Insurance$4,010
NAUSAA$1,184
USAA is not ranked as only current and former military members and their families are eligible for a policy.

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.

RankInsurerRate
1State Farm$1,477
2Progressive$2,488
3Country Financial$2,518
4American Family$2,743
5Travelers$3,144
6GEICO$3,455
7Farmers Insurance$5,907
8Allstate$6,893
NAUSAA$1,645
USAA is not ranked as only current and former military members and their families are eligible for a policy.

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.

RankCompanyComplaint Ratio
1Country Financial0.04
2Farmers Insurance0.09
3The Hanover Group (Allmerica)0.10
4USAA0.10
5State Farm0.11
6Safeco, A Liberty Mutual Company0.12
7Standard Fire Insurance0.14
8Erie0.15
9GEICO0.19
10Allstate0.20
11American Family0.21
12Progressive0.25
13The Auto Club Group0.28
14Auto-Owners0.35
15Liberty Mutual0.34
16Nationwide0.40
17Farmers Insurance (Bristol West Insurance Company)0.49
18Safe Auto Insurance Company0.52
19Ameriprise (IDS)0.58
20Elephant Insurance Company1.17
21First Acceptance Insurance Company Inc.1.46
22Safeway Insurance Company1.48
23American Access Casualty Company1.60
24Loya Insurance Company1.63
25First Chicago Insurance Company1.75
26Unique Insurance Company3.18
27Founders Insurance Company3.28
28Falcon Insurance Company3.36
29Stonegate Insurance Company3.76
30American Freedom Insurance Company4.24
31American Alliance Casualty Company4.30
32Lighthouse Casualty Company4.95
33Direct Auto Insurance Company5.85
34United Equitable Insurance Company6.91

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

CityCar insurerAverage annual rate
AddisonState Farm$1,475
American Family$1,870
Progressive$2,013
Arlington HeightsState Farm$1,387
American Family$1,810
Progressive$1,900
AuroraState Farm$1,365
American Family$1,690
Progressive$1,897
BartlettState Farm$1,511
American Family$1,813
Progressive$1,960
BellevilleState Farm$1,347
American Family$1,949
Country Financial$2,066
BerwynState Farm$1,738
American Family$2,325
Country Financial$2,412
BloomingtonState Farm$1,158
American Family$1,607
Progressive$1,768
BolingbrookState Farm$1,632
American Family$1,812
Progressive$2,033
Buffalo GroveState Farm$1,536
American Family$1,944
Progressive$2,038
Calumet CityState Farm$1,876
Progressive$2,586
American Family$2,616
Carol StreamState Farm$1,392
American Family$1,733
Progressive$1,821
CarpentersvilleState Farm$1,384
American Family$1,709
Country Financial$2,044
ChampaignState Farm$1,157
American Family$1,587
Progressive$1,720
ChicagoState Farm$1,740
Progressive$2,388
American Family$2,396
CiceroState Farm$1,849
American Family$2,373
Progressive$2,478
Crystal LakeState Farm$1,295
American Family$1,667
Progressive$1,768
DecaturState Farm$1,312
American Family$1,713
Progressive$1,727
DeKalbState Farm$1,131
Progressive$1,676
American Family$1,694
Des PlainesState Farm$1,501
American Family$2,185
Country Financial$2,203
Downers GroveState Farm$1,293
American Family$1,730
Progressive$1,904
ElginState Farm$1,410
American Family$1,782
Country Financial$2,005
ElmhurstState Farm$1,331
American Family$1,733
Progressive$1,767
EvanstonState Farm$1,578
American Family$1,884
Progressive$2,139
GlenviewState Farm$1,656
American Family$2,075
Progressive$2,147
Hanover ParkState Farm$1,507
American Family$1,870
Progressive$1,870
Hoffman EstatesState Farm$1,457
American Family$1,875
Progressive$1,948
JolietState Farm$1,512
American Family$1,760
Progressive$2,021
LombardState Farm$1,311
American Family$1,680
Progressive$1,837
MolineState Farm$1,129
American Family$1,574
Progressive$1,592
Mount ProspectState Farm$1,408
American Family$1,870
Country Financial$2,062
NapervilleState Farm$1,292
American Family$1,662
Progressive$1,906
NormalState Farm$1,127
Progressive$1,572
American Family$1,584
Oak LawnState Farm$1,559
American Family$2,151
Progressive$2,240
Oak ParkState Farm$1,580
American Family$2,151
Progressive$2,240
Orland ParkState Farm$1,455
American Family$1,886
Country Financial$2,032
PalatineState Farm$1,405
American Family$1,810
Progressive$1,911
Park RidgeState Farm$1,560
American Family$2,075
Progressive$2,149
PeoriaState Farm$1,307
American Family$1,788
Progressive$1,795
PlainfieldState Farm$1,467
American Family$1,733
Progressive$1,938
QuincyState Farm$1,009
American Family$1,622
Progressive$1,697
Rock IslandState Farm$1,159
American Family$1,552
Progressive$1,642
RockfordState Farm$1,399
American Family$1,729
Country Financial$2,024
RomeovilleState Farm$1,469
American Family$1,694
Progressive$1,859
SchaumburgState Farm$1,375
American Family$1,870
Progressive$1,941
SkokieState Farm$1,723
American Family$2,185
Country Financial$2,398
SpringfieldState Farm$1,283
American Family$1,681
Progressive$1,811
StreamwoodState Farm$1,458
American Family$1,884
Progressive$1,925
Tinley ParkState Farm$1,425
American Family$1,922
Progressive$1,967
UrbanaState Farm$1,196
American Family$1,584
Progressive$1,696
WheatonState Farm$1,342
American Family$1,743
Progressive$1,745
USAA was excluded from our rankings as its policies are only available to current and former members of the military and their families.

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 cost of full coverage car insurance in Illinois was $2,313, though quotes 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.

RankCityAnnual car insurance premium
1Calumet City$3,374
2Cicero$3,234
3Chicago$3,092
4Skokie$3,056
5Berwyn$2,991
6Oak Park$2,839
7Park Ridge$2,808
8Oak Lawn$2,785
9Des Plaines$2,751
10Glenview$2,705
11Evanston$2,666
12Buffalo Grove$2,632
13Mount Prospect$2,592
14Bolingbrook$2,541
15Hoffman Estates$2,531
16Streamwood$2,527
17Bartlett$2,522
18Orland Park$2,521
19Hanover Park$2,517
20Tinley Park$2,511
21Addison$2,511
22Schaumburg$2,495
23Joliet$2,742
24Romeoville$2,451
25Belleville$2,442
26Palatine$2,433
27Plainfield$2,430
28Carol Stream$2,415
29Carpentersville$2,408
30Arlington Heights$2,398
31Elgin$2,394
32Downers Grove$2,392
33Elmhurst$2,380
34Rockford$2,360
35Aurora$2,344
36Lombard$2,331
37Peoria$2,328
AverageIllinois$2,313
38Wheaton$2,299
39Naperville$2,293
40Springfield$2,260
41Crystal Lake$2,237
42Decatur$2,224
43DeKalb$2,142
44Normal$2,115
45Rock Island$2,108
46Bloomington$2,101
47Moline$2,074
48Urbana$2,071
49Champaign$2,070
50Quincy$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 typeStudy 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.

Michael Hoffmann is a Senior Research Analyst focused on insurance. He was previously a Technology Editor at The Economist Intelligence Unit and has had prior roles as an ETF and Equity Analyst focused on emerging technologies like artificial intelligence, cybersecurity and cloud computing.

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.