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Cheap Car Insurance in Illinois (2023)

Drivers in Illinois pay rates starting at $73/mo. for full-coverage car insurance.

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Car Insurance in Illinois

Illinois may be well known as the home of Chicago, but many Prairie State drivers can likely avoid paying big-city car insurance rates. In fact, Illinois drivers pay an average of $176 per month for car insurance — $57 less than the national monthly average rate of $233. Those rates make Illinois the 16th-cheapest state for buying car insurance.

If you live in Illinois, comparison shopping online can allow you to find very cheap car insurance. To compare quotes, you’ll need to provide your ZIP code, driving record, and vehicle type.

Quick Facts

  • The average cost of car insurance in Illinois is $176/mo.

  • State Farm is the cheapest top provider in Illinois, with average rates of $73/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Illinois: State Farm

1
State Farm logo

State Farm

Average Monthly Cost:
$73
Insurify Composite Score:
88

Illinois auto insurance rates come in much lower than the national average, which means Illinois drivers often score affordable premiums. With an average premium of $111 per month, Travelers offers the cheapest car insurance from a top provider in Illinois. Rates vary by auto insurer due to different methodologies when calculating auto insurance premiums.

Car Insurance CompanyInsurify Composite ScoreAverage Monthly Quote
State Farm88$73
GEICO88$100
Travelers80$111
USAA96$120
American Family89$130
Mile AutoN/A$86
Erie85$108
SafeAutoN/A$109
StillwaterN/A$112
Kemper PreferredN/A$125
National General58$126
Kemper SpecialtyN/A$130
ProgressiveN/A$143
Clearcover97$146
ElephantN/A$146
Nationwide89$160
Safeco86$154
Direct AutoN/A$164
Farmers85$172
MercuryN/A$172
Midvale Home & AutoN/A$183
Foremost SignatureN/A$188
Allstate85$192
Liberty Mutual82$201
DairylandN/A$242
State Auto76$247
Bristol WestN/A$254
Freedom NationalN/A$303
The GeneralN/A$307
KemperN/A$308

Amica

N/A

$394

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

What to know about minimum car insurance requirements in Illinois

Like most states, Illinois requires drivers to insure any motor vehicle they operate or park on a state roadway. You’ll also need to carry proof of insurance in your car at all times and be able to present it when a law enforcement officer requests it, you renew your vehicle registration, or your car is involved in an accident.

The minimum liability insurance requirements for private passenger vehicles in Illinois are:

  • $25,000 per person and $50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Illinois is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $20,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $50,000 per accident for uninsured motorist bodily injury, $15,000 per accident for uninsured motorist property damage, and $50,000 per accident for underinsured motorist bodily injury: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Illinois, drivers are required to purchase coverage for both uninsured and underinsured drivers for property damage and bodily injury.

Illinois DMV information

The Illinois Department of Motor Vehicles through the Office of the Illinois Secretary of State offers many online services for drivers, such as license plate renewal, address change, organ and tissue donor registry, and driver’s license renewals. Additionally, in-person services include title and registration, license plates, driver’s licenses, and state ID cards.

Public transportation in Illinois

Public transportation varies by city location in Illinois. The Chicago Transit Authority (CTA) is the country’s second-largest public transportation system, and solid transportation options also exist for people in other cities like Bloomington, Champaign, Peoria, and Rock Island. People in Illinois also have access to the Metra commuter rail and the Pace suburban bus agency.

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Tips for getting cheap car insurance in Illinois

Comparison shopping for anything — including car insurance — is always a good way to get the best deal for your money. Online tools like Insurify allow you to easily compare quotes from numerous top providers available in your area after entering your ZIP code and specific driver, vehicle, and insurance information.

Adjusting your coverage limits, foregoing extras like towing or rental car coverage, and looking for discounts can also help reduce the cost of car insurance.

Liability-only vs. full-coverage insurance in Illinois

If you live in Illinois, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Illinois by policy type.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
State Farm$58$80
GEICO$77$107
Travelers$84$115
Erie$88$122
USAA$94$130
National General$97$131
Safeco$82$160
Mercury$118$169
Direct Auto$133$169
Nationwide$182$170
Midvale Home & Auto$106$179
Farmers$138$190
Allstate$145$200
Liberty Mutual$138$201
Dairyland$137$248
Bristol West$191$270
Kemper$138$299
The General$186$325
Progressive$77N/A
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How your driving history affects Illinois car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Illinois. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Illinois based on driving and accident history.

See More: High-Risk Car Insurance Illinois

Car Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
State Farm$80$115$159$107
GEICO$107$153$213$143
Travelers$115$164$229$154
Erie$122$174$242$163
USAA$130$187$260$175
National General$131$187$260$175
Safeco$160$229$318$214
Mercury$169$241$335$226
Direct Auto$169$242$336$226
Nationwide$170$243$338$228
Midvale Home & Auto$179$255$355$239
Farmers$190$272$379$255
Allstate$200$286$398$268
Liberty Mutual$201$287$400$269
Dairyland$248$355$494$332
Bristol West$270$385$536$361
Kemper$299$427$594$400
The General$325$465$647$436
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More: SR-22 Car Insurance Illinois

SR-22 insurance in Illinois

If you’ve had a conviction for a DUI, reckless driving, or an accident while uninsured, you may need an SR-22. This is a form proving your car insurance meets the state’s minimum coverage limits that you need to file in your state through your insurance provider. The following auto insurance companies offer SR-22s in the state of Illinois.

How credit scores affect Illinois car insurance quotes

It might surprise you to know that your credit score affects your auto insurance premiums in Illinois, as the state allows insurers to use it as a factor. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

Credit TierAverage Monthly Quote
Excellent$127
Good$151
Average$166
Poor$257
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More: Bad Credit Car Insurance Illinois

How your city affects Illinois insurance quotes

Insurance rates can vary from city to city, even for drivers with the exact same policies. Drivers in more populated areas and in cities with higher crime rates tend to pay more overall for coverage. Illinois cities with the highest average quotes include Chicago, Skokie, Champaign, and East Saint Louis. Cheaper cities include Palatine, Decatur, and Aurora.

CityAverage Monthly Quote
Arlington Heights$171
Aurora$157
Belleville$193
Bolingbrook$176
Bloomington$136
Cicero$190
Champaign$217
Chicago$204
Decatur$154
East Saint Louis$266
Elgin$169
Joliet$200
Naperville$158
Palatine$132
Peoria$162
Rockford$157
Skokie$208
Springfield$174
Schaumburg$191
Waukegan$188
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How your age affects your Illinois car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Age GroupAverage Monthly Rate
Teenagers$367
Under 25$216
20s$163
30s$158
40s$140
50s$111
60s$108
70s$116
80+$182
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Quotes for younger drivers

Statistically, younger drivers are more likely to get into accidents, which is why they typically pay significantly higher insurance rates. 

Preventable infractions, like driving under the influence, can cause rates to more than double for younger drivers. For example, a driver under 25 who buys a liability-only policy from Travelers could see their premium rise by 145% with a DUI on their driving record.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
National General$133$171$201$324
Progressive$109$181N/AN/A
Travelers$108$131$129$265
Bristol West$267$331$377$651
Clearcover$143$186$208$368
Dairyland$182$300$325$585
Direct Auto$183$222$274$402
Elephant$122$168$178$328
Foremost SignatureN/A$238$238N/A
Freedom National$171$410$460$764
Kemper$193$396$455$752
Kemper Preferred$86$149$154$287
Kemper Specialty$98$159$194$302
Liberty Mutual$199$278$278$575
Mercury$163$228$249$444
Midvale Home & Auto$152$244$293$424
Mile Auto$106$110$113$221
Nationwide$257$204$242$366
SafeAuto$186$140$136$289
Safeco$124$198$227$374
State Auto$136$316$471$503
StillwaterN/A$110N/AN/A
The General$243$384$433$738
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Quotes for middle-aged drivers

Drivers older than 25 will typically see their car insurance rates decline, especially if they’ve maintained a clean driving record. In Illinois, drivers who choose liability-only coverage can get a policy for as little as $55 per month.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
National General$55$88N/A$161
Progressive$64$112N/AN/A
Travelers$71$107$101$205
Bristol West$139$203$251$386
Clearcover$90$126$151$237
Dairyland$93$194$234$366
Direct Auto$94$122$152$229
Elephant$100$134$159$251
Foremost Signature$88$180N/A$356
Freedom National$102$234$253$460
Kemper$89$236N/A$428
Kemper Preferred$57$115N/A$225
Kemper Specialty$55$106$132$197
Liberty Mutual$93$155$164$304
Mercury$84$136$176$245
Midvale Home & Auto$87$152$185$273
Mile Auto$66$72$87$139
Nationwide$97$154$175$295
SafeAuto$88$85N/A$171
Safeco$65$137$156$259
State Auto$81$219$321$384
Stillwater$94$106N/A$193
The General$144$262$309$494
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Quotes for senior drivers

Senior drivers tend to enjoy the lowest car insurance premiums, although their rates often begin to rise gradually as they grow older. In Illinois, senior drivers with a clean record can get a monthly premium as low as $64 for a full coverage policy from Mile Auto.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Liberty Mutual$79$133$158$247
Progressive$57N/AN/AN/A
Travelers$80$91$97$175
Bristol West$109$171$198$328
Clearcover$79$102$158$169
Dairyland$89$180$225$328
Direct Auto$92$107$137$193
Elephant$90$108$145$191
Foremost Signature$103$159N/A$322
Freedom National$113$266$374$488
Kemper$103$230N/AN/A
Kemper Preferred$75$116$136$223
Kemper Specialty$60$109$145$185
Mercury$83$113$173$187
Midvale Home & Auto$89$131$164$233
Mile Auto$62$64$101$115
National General$50$72N/A$129
Nationwide$123$112$164$199
SafeAuto$100$79$81$159
Safeco$71$117$148$211
State Auto$81$184$334$297
StillwaterN/A$139N/A$278
The General$153$253$346$436
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.


Illinois car insurance FAQs

  • Plenty of providers offer cheap car insurance in Illinois, but State Farm has the cheapest average premiums at $73 per month. Some other top affordable providers include GEICO, Travelers, and American Family.

    Drivers looking for liability-only coverage will find the cheapest rates with State Farm, at $41. GEICO, American Family, and USAA also offer very affordable rates for this coverage. The cheapest car insurance company in Illinois is different for everyone, as rates vary based on many unique factors, so make sure to compare car insurance quotes before buying.

  • Factors like age, location, and driving history can all increase car insurance rates in Illinois. Young drivers, especially teenagers, pay much higher costs than their older counterparts. The average monthly premium for teens in Illinois is $367, while drivers in their 20s pay an average monthly rate of $163.

    Young drivers with an accident on their record pay a monthly average of $268, while middle-aged drivers only pay an average of $188 after an accident. The city you live in will also affect your rates, as insurers deem certain locations to be safer for vehicles. For example, drivers in Springfield pay $30 less on average than drivers in Chicago.

  • The average cost of car insurance in Illinois is $176 per month, or $2,112 per year. However, your rate may vary based on factors like your age, credit score, and driving history. Drivers with clean driving records pay an average of $49 less per month than drivers with an accident on their records. Credit also has a significant impact on rates in Illinois.

    According to Insurify data, average car insurance rates increased by around 12% for drivers in Illinois between July 2021 and July 2022. This trend is fairly consistent across the country because of market conditions. Factors related to the pandemic and extreme weather conditions, like supply chain issues, increase rates across multiple auto insurance providers.


  • Insurify looked at various factors, including customer satisfaction, industry ratings, average rates, and our Insurify Composite Score to determine the best car insurance companies in Illinois. Based on these factors, State Farm, GEICO, and USAA are the three best providers in the state.

    State Farm offers low average monthly rates of $73 and boasts an A++ rating from A.M. Best. GEICO policyholders pay $100 per month on average, and the provider has an A++ rating from A.M. Best. USAA offers the highest average monthly rates of the three providers, at $120, and also has an A++ rating from A.M. Best.

  • No, drivers are not required to carry personal injury protection (PIP) coverage in Illinois. In the event of an accident, PIP coverage covers the costs of medical injuries for drivers and passengers alike, no matter who is at fault.

    PIP coverage is typically required in no-fault states, where drivers must use their own car insurance coverage after an accident, even if they aren’t at fault. Illinois, however, is an at-fault state, which means that the driver who caused the accident must cover any medical costs for the other driver.

  • Yes, car insurance is required in Illinois. All drivers are required to have the state’s minimum liability insurance to drive legally, including:

    • $25,000 per person and $50,000 per accident for bodily injury liability

    • $20,000 per person for property damage

    • $25,000 per person and $50,000 per accident uninsured motorist bodily injury coverage

    This last type of insurance covers bodily injury expenses for you and other drivers on the policy in an accident caused by an uninsured driver.

  • In Illinois, like in most other states, insurance follows the car rather than the driver. If you were to lend your car to your friend and they got into an accident, your insurance would usually kick in first. However, if the damages exceed your limits, then the driver’s insurance will typically be used next.

    Every insurance policy is different, and some may cover more or less than you’d expect, so make sure to understand the specifics of your insurance policy before letting someone else drive your car. It’s also important to confirm that whoever you lend your vehicle to has insurance before they get behind the wheel.

  • Full-coverage car insurance includes much more coverage than the minimum liability coverage required by Illinois. Full-coverage policies include liability insurance, comprehensive coverage, and collision coverage. Comprehensive coverage protects against damages caused by things like vandalism and weather, while collision coverage protects against costs from car accidents.

Insurify Insights

How Illinois Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Illinois below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Illinois drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

chevrolet

Chevrolet Malibu

Most Popular Car in Illinois

#35

State with the Most Speeding Tickets Rank

#46

State with the Moving Violations Rank

#40

State with the Most DUIs Rank

#32

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Illinois is the #48 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #48
    • Percent of drivers in Illinois with an accident: 5.8%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Illinois is the #40 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #40
    • Percent of drivers in Illinois with a DUI: 1%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Illinois is the #25 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #25
    • Percent of drivers in Illinois with a reckless driving offense: 1.3%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Illinois is the #27 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #27
    • Percent of drivers in Illinois with a rude driving violation: 1.4%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Illinois is the #35 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #35
    • Percent of drivers in Illinois with a speeding ticket: 7.3%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Illinois is the #46 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #46
    • Percent of drivers in Illinois with a failure to yield violation: 0%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Katie Powers
Katie PowersInsurance Writer

Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.