We reviewed all of the top auto insurance companies in Illinois and found that State Farm has the best rates for drivers with a minimum coverage rate of $436.
Car insurance rates in Illinois can vary 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.
Which insurer 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 have an average premium of $562, or 34% 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.
The difference between the average full ($2,218) and minimum coverage ($854) car insurance policy in Illinois is $1,364.
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.
Cheapest company for full coverage: State Farm
The cheapest full coverage car insurance companies in Illinois are State Farm, American Family and Progressive. Together, the three cheapest auto insurers have an average premium of $1,508, which is 32% cheaper than the overall Illinois state average of $2,218.
Below we include the full coverage car insurance rates with no accident history for the three cheapest insurance companies analyzed in Illinois.
A full coverage car insurance policy includes comprehensive and collision coverage, in addition to liability insurance and personal injury protection (PIP). Drivers who wish to protect themselves against damage to their car should consider purchasing a full coverage auto insurance policy.
Cheap car insurance for drivers with prior incidents
Drivers with less-than-perfect driving histories will likely see higher rates for car insurance. This makes it even more important to shop around and look for the most affordable insurer for you.
Find Cheap Auto Insurance Quotes in Illinois
Cheapest for drivers with an accident: State Farm
For a full coverage auto insurance policy with one prior accident, the cheapest insurance companies in Illinois are State Farm, Progressive and Country Financial. Together, these companies offer an average rate of $2,089, or 37% cheaper than the overall Illinois state average of $3,340.
Drivers with an accident on their driving record tend to see more expensive rates than those without any prior accident history. The rate difference between a full coverage policy with no accident history ($2,218) versus with one prior accident ($3,340) is $1,122.
Of note, the most expensive policy is $7,018 from Allstate, or more than four times as much as the cheapest at State Farm ($1,292). Given the variability in rates from insurers for different driver profiles, we always recommend shopping around for car insurance.
Cheapest car insurance for people with a speeding ticket: State Farm
Car insurance companies tend to raise rates after you've gotten a speeding ticket, though some insurers raise their 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 $1,192 per year. That's almost three times cheaper than the state average.
Cheapest car insurance for drivers with a DUI: State Farm
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 53% after one DUI conviction.
Still, some insurers offer better rates than others in this situation. State Farm only increased our sample driver's car insurance rates by 9%, for a total of $1,192 per year. No other insurer gave a quote even close to that amount.
Cheapest car insurance for drivers with poor credit: State Farm
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 pay more.
For drivers with bad credit, we recommend State Farm. Its average price is just $1,702 per year for a full coverage policy, the lowest of any company we surveyed.
Improving your credit doesn't happen overnight, but there are a few ways you can boost your credit score in order to lower your insurance rates.
Cheapest car insurance 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 their policies. On average, we found that married Illinois drivers will save about 9% on their insurance bill, just by being married.
State Farm is the insurer we recommend for married drivers because it has the lowest rates of the insurers we looked at, even though it didn't offer a discount to our sample married driver. Progressive and Country Financial offer the biggest discounts to married drivers, with 16% and 17% savings, respectively.
Married drivers can save even more money on their car insurance by getting multi-car or multi-driver discounts, which we didn't factor into our rates here.
Cheapest car insurance for young drivers: State Farm
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 who got their license at 16 to be $5,796 per year for full coverage, and $2,437 for Illinois state minimum coverage.
However, some companies have better prices for teen drivers than others. State Farm has the best price for full coverage ($3,412 annually), as well as the most affordable option for basic protection ($1,469).
USAA is excluded from rankings because it is only available to current and former military members and their families.
Cheapest for young drivers with one 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 40% more for car insurance if they've been in an accident. The company with the lowest increase (and the best overall rate) is State Farm, increasing rates just 20% to $4,101 per year.
Younger drivers can save money on their insurance policy by sharing the policy with an older adult, like a parent or sibling. Doing so will result in rates that are much lower than if you pay for a one-person policy by yourself.
Cheapest for young drivers with one speeding ticket: State Farm
Speeding tickets usually have a negative impact on rates, and younger drivers are no exception. A speeding ticket suggests to insurers that you're more likely to engage in risky behavior than other drivers. But State Farm has the lowest rate available to most teens, with an average of just $3,757 per year. That's more than $2,000 cheaper per year than the next-cheapest option, Progressive.
Top rated auto insurance companies in Illinois
For Illinois drivers set on finding the best customer service possible from their insurer, USAA is the best choice, if you can get it.
In our national survey of customer satisfaction, USAA got the top marks overall. However, only people affiliated with the military are eligible, so for everyone else, we think American Family and State Farm are great choices, too.
Percentage of respondents overall extremely satisfied with most recent claim
Percentage of respondents who rated customer service as "excellent"
|2||American Family (AmFam)||86%||50%|
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 the National Association of Insurance Commissioners (NAIC) complaint index, which measures the rate at which customers file complaints about an insurer, adjusted for the size of the company. Lower complaint ratios suggest the company receives fewer complaints than expected for a company of its size.
We've compared top insurers in the state by this statistic below, as well as their J.D. Power claims satisfaction survey score and AM Best's financial strength rating.
2019 NAIC complaint index
2020 J.D. Power claims satisfaction
AM Best rating
Average cost of insurance in Illinois by city
The average annual quote for full coverage car insurance in Illinois is $2,218, though rates vary substantially by city.
The three most expensive cities for auto insurance in Illinois are Calumet City, Cicero and Chicago. The cheapest cities are 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 full coverage car insurance in Illinois' 50 most populated cities where quotes were available.
Average annual cost
Percentage difference from average
Auto insurance rate changes by company in Illinois
Among the top 10 insurers in Illinois, State Farm decreased its auto insurance premiums by the most for 2020 — cutting rates by 13.7%. Overall, the auto industry in Illinois had a decrease of over 5% to auto insurance premiums primarily due to the coronavirus pandemic, which contributed to a record low number of auto insurance claims.
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
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, 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, damage to your own car will not be protected.
Recap of the cheapest auto insurance in Illinois
- Minimum coverage: State Farm
- Full coverage: State Farm
- After an at-fault accident: State Farm
- After a speeding ticket: State Farm
- After a DUI: State Farm
- Poor credit history: State Farm
- Very good credit history: Travelers
- Married couples: State Farm
- Young drivers: State Farm
- Young drivers with one accident: State Farm
- Young drivers with a speeding ticket: State Farm
We collected thousands of rates from ZIP codes across Illinois for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
|Bodily liability||$50,000 per person/$100,000 per accident|
|Personal injury protection||$10,000|
|Property damage||$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, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated 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.