Who Has the Cheapest Auto Insurance Quotes in Illinois? (2020)
Find Cheap Auto Insurance Quotes in Your Area
The average cost for a full coverage car insurance policy in Illinois was about $2,313 annually, or $193 monthly. We compared auto insurance quotes throughout the state of Illinois to help drivers determine which companies offered the best rates. The cheapest car insurance in Illinois is provided by State Farm at $1,246, or more than $1000 cheaper than the state average.
Illinois has a wide range of car insurance costs that vary depending on your driver profile. That's why it's important to compare auto quotes from multiple insurance companies in order 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?
State Farm offers the cheapest car insurance rates in Illinois at $1,246, over $1,000 less than the state average of $2,313. But auto insurance rates can vary greatly for drivers depending on their driving record, coverage limits and location, among other factors.
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.
Find the Cheapest Auto Insurance Quotes in Your Area
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.
Cheap full coverage car insurance rates in Illinois
The cheapest 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.
Cheap minimum liability coverage auto insurance quotes 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.
| 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.
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 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 car insurance quotes for the five most populated cities in Illinois: Chicago, Aurora, Naperville, Joliet and Rockford.
Cheap car insurance quotes in Chicago
The average cost of auto insurance in Chicago is $3,092 per year for a full coverage policy, which is 34% more expensive than the state average. If you're looking for cheap car insurance in Chicago, we suggest starting with State Farm, Progressive and American Family.
| Rank | Insurer | Premium |
|---|---|---|
| 1 | State Farm | $1,740 |
| 2 | Progressive | $2,388 |
| 3 | American Family | $2,396 |
| 4 | Country Financial | $2,479 |
| NA | Chicago average | $3,092 |
| 5 | Standard Fire | $3,128 |
| 6 | GEICO | $3,420 |
| 7 | Allstate | $5,259 |
| 8 | Farmers Insurance | $5,579 |
Best auto insurance quotes in Aurora, Illinois
In Illinois's second largest city, Aurora, our sample drivers pays $2,344 annually, or only $31 more than the state average of $2,313.
For low-cost car insurance quotes in Aurora, we recommend State Farm, American Family and Progressive.
| Rank | Insurer | Premium |
|---|---|---|
| 1 | State Farm | $1,365 |
| 2 | American Family | $1,690 |
| 3 | Progressive | $1,897 |
| 4 | Country Financial | $2,030 |
| NA | Aurora average | $2,344 |
| 5 | Standard Fire | $2,447 |
| 6 | GEICO | $2,671 |
| 7 | Allstate | $3,855 |
| 8 | Farmers Insurance | $4,039 |
Best car insurance quotes in Naperville, Illinois
With the most affordable auto insurance of Illinois's largest cities, Naperville's car insurance rates are cheaper than average at $2,293 per year or $191 monthly.
We recommend State Farm, American Family and Progressive for the cheapest auto insurance rates in Naperville locals with these insurers' premiums averaging $1,620 per year, or 29% cheaper than the overall Naperville average.
| Rank | Insurer | Premium |
|---|---|---|
| 1 | State Farm | $1,292 |
| 2 | American Family | $1,662 |
| 3 | Progressive | $1,906 |
| 4 | Country Financial | $2,024 |
| NA | Naperville average | $2,293 |
| 5 | Standard Fire | $2,380 |
| 6 | GEICO | $2,747 |
| 7 | Farmers Insurance | $3,773 |
| 8 | Allstate | $3,786 |
Cheap auto insurance quotes in Joliet, Illinois
Joliet, Illinois has average car insurance rates of $2,472 per year, or 7% more than the statewide average of $2,313.
For the cheapest auto insurance in Joliet, we recommend State Farm, American Family and Progressive. Their average annual quote of $1,764 represents a 29% decrease relative to the Joliet city average.
| Rank | Insurer | Premium |
|---|---|---|
| 1 | State Farm | $1,512 |
| 2 | American Family | $1,760 |
| 3 | Progressive | $2,021 |
| 4 | Country Financial | $2,027 |
| NA | Joliet average | $2,472 |
| 5 | Standard Fire | $2,574 |
| 6 | GEICO | $2,800 |
| 7 | Allstate | $4,067 |
| 8 | Farmers Insurance | $4,287 |
Cheapest car insurance quotes in Rockford, Illinois
Rockford, Illinois, the fifth-most populated city in the state, has an average annual auto insurance rate of $2,360, or around $197 per month.
We found the best auto insurance quotes in Rockford at State Farm, American Family and Country Financial.
| Rank | Insurer | Premium |
|---|---|---|
| 1 | State Farm | $1,399 |
| 2 | American Family | $1,729 |
| 3 | Country Financial | $2,024 |
| 4 | Progressive | $2,092 |
| 5 | GEICO | $2,282 |
| NA | Rockford average | $2,360 |
| 6 | Standard Fire | $2,420 |
| 7 | Allstate | $3,885 |
| 8 | Farmers Insurance | $4,145 |
How much is car insurance in Illinois?
The average cost of 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.
| 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.