Who Has the Best Cheap Car Insurance Quotes in Illinois? (2022)
Who Has the Best Cheap Car Insurance Quotes in Illinois? (2022)
State Farm has the best car insurance quotes for Illinois drivers, with minimum-coverage rates of $377 per year.
The average cost of car insurance in Illinois is $717 per year ($60 per month) for minimum liability, and $1,751 per year ($146 per month) for full coverage. Illinois drivers typically have car insurance costs that are 10% cheaper than the average US driver, who pays $1,956 per year for full coverage.
Cheapest car insurance quotes in Illinois: State Farm
For a minimum-coverage car insurance policy, the cheapest insurers in Illinois are State Farm and Country Financial. State Farm's typical price of just $377 per year is 47% cheaper than the overall average statewide. Country Financial is the only other insurer offering a policy for less than $500 per year.
Find Cheap Auto Insurance Quotes in Illinois
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $377 | $31 |
| Country Financial | $460 | $38 |
| American Family | $600 | $50 |
| Travelers | $689 | $57 |
| Geico | $834 | $70 |
| Allstate | $893 | $74 |
| Progressive | $926 | $77 |
| Farmers | $1,047 | $87 |
| USAA | $623 | $52 |
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 car after an accident. With a liability only policy, you might have to pay out of pocket to fix your car.
Cheapest company for full coverage in Illinois: State Farm
The cheapest full-coverage car insurance companies in Illinois are State Farm, Country Financial and Travelers. State Farm's average rate of $959 per year for full coverage is impressively cheap, and all three insurers offer full coverage quotes for under $1,500 per year.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $959 | $80 |
| Country Financial | $1,306 | $109 |
| Travelers | $1,482 | $124 |
| American Family | $1,656 | $138 |
| Progressive | $1,876 | $156 |
| Geico | $1,994 | $166 |
| Farmers | $2,334 | $195 |
| Allstate | $2,672 | $223 |
| USAA | $1,484 | $124 |
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 car 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
Car insurance companies tend to raise rates after you receive a speeding ticket, though some raise prices more than others. We found that State Farm has the lowest cost of insurance for Illinois drivers with speeding tickets, with a typical price of $1,045 per year. That's less than half the cost of the state average.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,045 | $87 |
| Travelers | $1,733 | $144 |
| Country Financial | $1,740 | $145 |
| American Family | $1,972 | $164 |
| Geico | $2,308 | $192 |
| Progressive | $2,451 | $204 |
| Farmers | $3,420 | $285 |
| Allstate | $3,537 | $295 |
| USAA | $1,872 | $156 |
USAA is only available to current and former military members and their families.
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 was just $1,131 per year — $780 less than the second-cheapest option, and an increase of just $14 per month more compared to having a clean driving record.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,131 | $94 |
| Travelers | $1,911 | $159 |
| Country Financial | $1,949 | $162 |
| American Family | $2,568 | $214 |
| Progressive | $2,689 | $224 |
| Geico | $3,162 | $264 |
| Farmers | $3,461 | $288 |
| Allstate | $4,928 | $411 |
| USAA | $2,117 | $176 |
USAA is only available to current and former military members and their families.
Drivers with an accident on their driving record tend to see more expensive rates than those without any prior accident history. We found a typical rate increase of $906 per year after a single at-fault accident.
Of note, the most expensive policy we found — $4,928 a year from Allstate — is more than four times as much as the cheapest at State Farm ($1,131). 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: State Farm
For drivers with a DUI on their record, some insurers offer better rates than others. State Farm only charges $1,561 per year for a full coverage policy. No other insurer gave a quote even close to that amount.
Being caught driving under the influence is one of the most serious driving-related infractions there are, and the consequences are fairly steep. Across the most popular insurers in Illinois, we found that rates increase an average of 57% after one DUI conviction.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,561 | $87 |
| Travelers | $2,017 | $168 |
| Country Financial | $2,048 | $171 |
| Progressive | $2,066 | $172 |
| American Family | $2,998 | $250 |
| Farmers | $3,294 | $275 |
| Geico | $3,377 | $281 |
| Allstate | $4,257 | $355 |
| USAA | $3,098 | $258 |
USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for drivers with poor credit: Country Financial
For drivers with bad credit, we recommend Country Financial. Its average price is just $1,825 per year for a full coverage policy, the lowest of any company we surveyed.
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.
Company | Annual rate | Monthly rate |
|---|---|---|
| Country Financial | $1,825 | $152 |
| State Farm | $1,831 | $153 |
| Travelers | $2,085 | $174 |
| American Family | $2,637 | $220 |
| Progressive | $3,110 | $259 |
| Allstate | $3,478 | $290 |
| Farmers | $3,542 | $295 |
| Geico | $3,566 | $297 |
| USAA | $2,204 | $184 |
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.
Cheapest car insurance quotes for married drivers: State Farm
People who are married often see lower rates on their car insurance policies because insurers have found they're less likely to make claims. On average, we found that married Illinois drivers save about 9% on their insurance bill compared to single drivers.
State Farm has the lowest rates for married drivers, even though it didn't change its rates for married drivers. Progressive and Country Financial offer the biggest discounts to married drivers, 16% and 13% respectively.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $959 | $80 |
| Country Financial | $1,133 | $94 |
| Travelers | $1,492 | $124 |
| Progressive | $1,581 | $132 |
| American Family | $1,656 | $138 |
| Geico | $1,890 | $158 |
| Farmers | $2,064 | $172 |
| Allstate | $2,335 | $195 |
| USAA | $1,299 | $108 |
USAA is only available to current and former military members and their families.
Married drivers can save even more money on their car insurance by getting multi-car or multi-driver discounts.
Cheapest car insurance for young drivers in Illinois: Country Financial
Younger drivers almost always pay much more for car insurance than older drivers, especially if they are buying a policy on their own. We found the average price of car insurance for an 18-year-old on their own policy is $5,149 per year for full coverage, and $2,236 for minimum coverage.
However, some companies have cheaper prices for 18-year-old drivers. State Farm has the best price for full coverage ($2,970 annually), while Country Financial is the most affordable option for basic protection ($1,222).
Company | Liability only | Full coverage |
|---|---|---|
| Country Financial | $1,222 | $3,103 |
| State Farm | $1,267 | $2,970 |
| Geico | $1,757 | $4,436 |
| Travelers | $1,970 | $4,129 |
| Allstate | $2,080 | $6,511 |
| American Family | $2,398 | $6,279 |
| Progressive | $2,854 | $6,343 |
| Farmers | $5,095 | $8,901 |
| USAA | $1,477 | $3,667 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers after a speeding ticket: State Farm
Speeding tickets usually have a negative impact on rates, and younger drivers are no exception. But State Farm has the lowest rate available to most teens, with an average price of $1,406 per year. That's 48% cheaper than the average rate overall.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,406 | $117 |
| Country Financial | $1,669 | $139 |
| Geico | $2,055 | $171 |
| Travelers | $2,323 | $194 |
| American Family | $2,593 | $216 |
| Allstate | $2,900 | $242 |
| Progressive | $2,952 | $246 |
| Farmers | $6,216 | $518 |
| USAA | $2,029 | $169 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for teen drivers after an accident: State Farm
Drivers pay more for car insurance after an accident, especially if they're on the younger side. We found that young drivers pay about 42% more for car insurance if they've been in an accident. The company with the best overall rate is State Farm, raising rates to $1,545 per year.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,545 | $129 |
| Country Financial | $1,958 | $163 |
| Travelers | $2,645 | $220 |
| Geico | $2,653 | $221 |
| Progressive | $3,140 | $262 |
| American Family | $3,457 | $288 |
| Allstate | $4,343 | $362 |
| Farmers | $6,210 | $518 |
| USAA | $2,534 | $211 |
USAA is only available to current and former military members and their families.
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 set on finding 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, useful coverages and reliable service, and is more widely available.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| State Farm | 851 | A++ | |
| USAA | 895 | A++ | |
| American Family | 844 | A | |
| Geico | 837 | A++ | |
| Farmers | 828 | A | |
| Travelers | 825 | A++ | |
| Country Financial | 850 | A+ | |
| Progressive | 842 | A+ | |
| Allstate | 827 | A+ |
Average cost of car insurance in Illinois by city
The average annual quote for full-coverage car insurance in Illinois is $1,751, though rates vary substantially by city.
The three most expensive cities for auto insurance in Illinois are Dolton, Harvey and Phoenix, which had typical quotes of around $2,580. The cheapest cities are Galesburg, Rantoul and Mahomet, with rates of approximately $1,520 — more than $1,000 cheaper. Car insurance quotes tend to be more expensive in denser urban areas where the likelihood of an accident and claim filing is higher.
City | Average annual rate | Percent from average |
|---|---|---|
| Abingdon | $1,615 | -8% |
| Adair | $1,645 | -6% |
| Addieville | $1,688 | -4% |
| Addison | $1,895 | 8% |
| Albany | $1,578 | -10% |
Illinois car insurance coverage requirements
Drivers in Illinois need to abide by the state's mandatory minimum auto insurance requirements:
- 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.
Recap of the cheapest car insurance quotes in Illinois
- Minimum coverage: State Farm
- Full coverage: State Farm
- After a speeding ticket: State Farm
- After an at-fault accident: State Farm
- After a DUI: State Farm
- Poor credit history: Country Financial
- Married drivers: State Farm
- Young drivers: Country Financial
- Young drivers after a ticket: State Farm
- Young drivers after an accident: State Farm
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 $377 per year for minimum coverage. Also, State Farm's rate of $959 per year is the cheapest 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 $146 per month for full coverage.
Is auto insurance expensive in Illinois?
Auto insurance in Illinois is not significantly more expensive than in the rest of the country. Illinois ranks as the 20th most expensive state for a minimum coverage policy, while the cost for full coverage ranks as the 28th most expensive. However, the average cost of car insurance in Illinois did increase by 1.7% from last year.
Is auto insurance cheaper in Missouri or Illinois?
Minimum coverage car insurance is cheaper in Missouri than Illinois, by $69 per year. Full coverage, however, is more expensive on average, with Missouri drivers paying $108 per year more.
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 from ZIP codes across Illinois for the largest insurers in the state. We used a sample driver with the following profile:
- 30-year-old male
- Drives a 2015 Honda Civic EX
- Average credit
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 analyses (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.