Best & Cheapest Car Insurance Quotes in Illinois (2023)
State Farm has the cheapest car insurance quotes for Illinois drivers, with a minimum coverage rate of $30 per month.
Best cheap car insurance in Illinois
To help drivers find the best cheap car insurance in Illinois, our editors collected quotes from top auto insurance companies across every ZIP code in the state.
Quotes for minimum coverage meet the Illinois state minimum requirements. Full coverage quotes include comprehensive and collision coverage and higher liability limits than the state minimums.
We also rated the best auto insurance companies in Illinois based on customer service reviews, convenience, availability and affordability.
Cheapest company for full coverage in Illinois: State Farm
The cheapest full coverage car insurance company in Illinois is State Farm, with an impressively affordable rate of $77 per month. Country Financial and Travelers also offer full coverage quotes for under $1,400 per year.
Find Cheap Auto Insurance Quotes in Illinois
Company | Monthly rate |
|---|---|
| State Farm | $77 |
| Country Financial | $107 |
| Travelers | $109 |
| Progressive | $123 |
| American Family | $130 |
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.
If your car is worth more than $5,000, it's usually a good idea to get a full coverage policy. Full coverage car insurance rates can be high. But your insurance will pay to repair your car, even if you caused the car accident.
Cheapest car insurance quotes in Illinois: State Farm
For a minimum coverage car insurance policy, the cheapest insurance companies in Illinois are State Farm and Country Financial.
State Farm's average price of $30 per month is half as cheap as the overall statewide average. Country Financial is the second-cheapest option and the only other insurer offering a policy for less than $500 per year.
Cheapest minimum coverage car insurance in Illinois
Company | Monthly rate | |
|---|---|---|
| State Farm | $30 |
| Country Financial | $37 |
| American Family | $47 |
| Travelers | $50 |
| Progressive | $55 |
USAA is only available to current and former military members and their families.
Minimum coverage policies meet the state's requirements for car insurance. With minimum coverage, your car insurance will only pay for the damage you cause to other cars and the injuries you cause to other people.
A full coverage policy includes comprehensive and collision coverages to pay to repair your own car after an accident. Without full coverage, you'll have to pay to fix your car if you cause an accident.
Cheapest car insurance quotes for Illinois drivers with prior incidents
You'll pay more for car insurance if you have a recent ticket or accident. 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
State Farm has cheap auto insurance for drivers in Illinois who have speeding tickets. Its quotes average $82 per month for full coverage, which is less than half the state average.
Car insurance companies tend to raise rates after you get a speeding ticket, though some raise prices more than others.
Company | Monthly rate |
|---|---|
| State Farm | $82 |
| Travelers | $139 |
| Country Financial | $142 |
| American Family | $155 |
| Progressive | $161 |
Cheapest for drivers after an accident: State Farm
State Farm is the cheapest insurance company in Illinois if you have one prior accident. A full coverage policy from State Farm costs an average of $89 per month after a crash. That's $64 less than the second-cheapest option, and only $12 more than if you had a clean driving record.
Company | Monthly rate |
|---|---|
| State Farm | $89 |
| Travelers | $153 |
| Country Financial | $158 |
| Progressive | $187 |
| American Family | $204 |
Drivers with an accident on their driving record have higher insurance costs than those without any prior accident history. Rates increase by $906 per year in Illinois after a single at-fault accident.
In Illinois, the most expensive policy — $438 per month from Allstate — is nearly five times as expensive as the cheapest — $89 per month from State Farm. Because of how much rates can vary after an accident, we recommend comparing quotes from a few companies.
Cheapest car insurance for drivers with a DUI: Progressive
For drivers who have a DUI, Progressive has the best rates in Illinois, with an average of $136 per month for a full coverage policy.
Being caught driving under the influence is serious, and it can have a big impact on your insurance rates. Across the most popular companies in Illinois, rates increase by an average of 68% after one DUI conviction.
Cheapest IL car insurance after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $136 |
| Travelers | $162 |
| State Farm | $171 |
| American Family | $235 |
| Country Financial | $236 |
Cheapest car insurance quotes for drivers with poor credit: Country Financial
For drivers with bad credit, Country Financial is the cheapest option in Illinois. Its average price is just $161 per month for a full coverage policy.
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 that people with lower credit scores tend to file more claims. That's why companies charge more if you have a low credit score.
Cheapest IL car insurance with poor credit
Company | Monthly rate |
|---|---|
| Country Financial | $161 |
| State Farm | $166 |
| Travelers | $167 |
| Progressive | $203 |
| American Family | $226 |
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 for young drivers in Illinois: Country Financial
State Farm has the best price for full coverage for 18-year-old drivers, at $233 per month. Country Financial is the most affordable option for basic protection, costing $98 per month.
Younger drivers almost always pay much more for car insurance than older drivers. The average price of car insurance for an 18-year-old in Illinois is $424 per month for full coverage and $190 for minimum coverage.
Cheapest IL car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Country Financial | $98 | $246 |
| State Farm | $100 | $233 |
| Travelers | $151 | $313 |
| Progressive | $156 | $435 |
| Geico | $167 | $412 |
Teen drivers pay more for car insurance because they are more likely to get into accidents. One of the cheapest ways to get car insurance for young adults is to add them to a family policy.
Cheapest car insurance for young drivers after a speeding ticket: State Farm
State Farm has the lowest rate for most teens after a speeding ticket, with an average price of $110 per month for minimum coverage. That's 53% cheaper than the average rate overall.
Company | Monthly rate |
|---|---|
| State Farm | $110 |
| Country Financial | $134 |
| Progressive | $162 |
| Travelers | $190 |
| Geico | $197 |
Cheapest car insurance for teen drivers after an accident: State Farm
State Farm has the best rates for teenage drivers in Illinois who have had an accident. Its average rate is $120 per month for minimum coverage.
On average, young drivers in Illinois pay about 46% more for car insurance after an accident.
Company | Monthly rate |
|---|---|
| State Farm | $120 |
| Country Financial | $157 |
| Progressive | $172 |
| Travelers | $217 |
| Geico | $255 |
Best car insurance in Illinois
State Farm and USAA are the best companies for Illinois drivers who want 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, great coverage options and reliable service and is more widely available.
Best IL auto insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| American Family | 838 | A | |
| Travelers | 829 | A++ |
Average cost of car insurance in Illinois by city
The most expensive city for auto insurance in Illinois is Dolton, where the average price is $215 per month for full coverage. The cheapest city is Galesburg, with a monthly rate of approximately $125 — about 40% cheaper. Car insurance quotes tend to be more expensive in denser urban areas where drivers are more likely to get in crashes and file claims.
The average annual quote for full coverage car insurance in Illinois is $1,730, though rates vary by city.
City | Monthly cost | % from average |
|---|---|---|
| Abingdon | $133 | -7% |
| Adair | $135 | -6% |
| Addieville | $139 | -4% |
| Addison | $156 | 8% |
| Albany | $130 | -10% |
Illinois car insurance coverage requirements
Drivers in Illinois need to meet the state's minimum auto insurance requirements. That means a policy with at least $25,000 per person and $50,000 per accident of bodily injury coverage and the same amount of uninsured motorist coverage, plus $20,000 of property damage liability:
- 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 have personal injury protection (PIP) coverage.
If you have a car loan or lease, the finance company may require you to have full coverage car insurance.
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 $30 per month for minimum coverage, or $77 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 $144 per month for full coverage.
Is auto insurance expensive in Illinois?
Auto insurance in Illinois is about the same as the national average. Full coverage in Illinois costs $144 per month, which is $4 less than the national average.
Is auto insurance cheaper in Missouri or Illinois?
Minimum coverage car insurance is cheaper in Missouri than Illinois by $4 per month. Full coverage, however, is more expensive on average, with Missouri drivers paying $10 more per month.
How much car insurance do I need in Illinois?
Drivers in Illinois are required to carry $25,000 of 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 for ZIP codes across Illinois from the largest insurers in the state. Our sample driver was a 30-year-old male with average credit who drives a 2015 Honda Civic EX.
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 |
| Property damage liability | $25,000 per accident |
| Uninsured and underinsured motorist bodily injury | $50,000 per person; $100,000 per accident |
| Comprehensive and collision | $500 deductible |
The base policy was updated to reflect rates by age, credit score and accident history. For minimum coverage, policy quotes had the minimum required limits in Illinois.
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.