Best Car Insurance In Illinois
The best car insurance in Illinois typically comes from Country Financial, Progressive, and State Farm. Other providers with superb coverage are Geico and USAA.
Find out if you’re paying too much for auto insurance here.
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Many drivers struggle to find the best car insurance in Illinois, but we’ve compared providers to find the state’s best overall choices. Chances to save on auto insurance coverage are fairly common across the Land of Lincoln, but drivers must learn where to look.
We considered the best car insurance providers across the country before tailoring our list for Illinois drivers. Those who want standout coverage at affordable rates should compare car insurance quotes from multiple providers, as it’ll quickly reveal your best choices.
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Cheapest Car Insurance In Illinois
You’ll often find the cheapest car insurance in Illinois from Country Financial, Progressive, and State Farm. Each of these companies provides full coverage car insurance at rates that are typically lower than the state’s average of $1,494 per year.
| Car Insurance Providers in Illinois | Estimated Annual Cost |
|---|---|
| Country Financial | $1,044 |
| Progressive | $1,158 |
| State Farm | $1,184 |
| Geico | $1,187 |
| USAA | $1,238 |
How Much Is Auto Insurance In Illinois?
The average cost of full coverage car insurance in Illinois sits around $1,494 per year. That’s significantly lower than the rate across the United States, which comes out to $1,732 per year. Keep in mind that your costs may be higher if you live in Greater Chicago or in the eastern suburbs of St. Louis.
Some factors tend to play a sizable role in determining the pricing of car insurance in Illinois:
- Age and gender: Young men usually pay higher rates for auto insurance policies than others, though rates tend to decrease as drivers leave their 20s.
- Marital status: If you’re single, you’ll likely get charged steeper prices for car coverage than married motorists.
- Driving record: Car insurance in Illinois is rarely cheap for those who’ve gotten a speeding ticket, been involved in a recent at-fault accident, or faced a DUI violation.
- Credit score: A poor credit score is one of the most critical factors in boosting your car insurance costs.
- Amount of insurance coverage: Expect your rates to be more expensive if you opt for additional coverage options such as collision insurance, comprehensive coverage, and medical payments (MedPay) coverage.
Cheapest Illinois Car Insurance: Young Drivers
Young and teen drivers often pay high prices for full coverage car insurance in Illinois, as noted by an average rate of $2,348 per year. But some insurers offer cheaper rates.
| Car Insurance Providers in Illinois | Estimated Annual Cost |
|---|---|
| Geico | $1,257 |
| State Farm | $1,617 |
| Country Financial | $1,631 |
| Travelers | $1,662 |
| Progressive | $1,874 |
Cheapest Illinois Car Insurance: Speeding Tickets
You’ll pay relatively harsh rates for car insurance in Illinois if you’ve recently received a speeding ticket. The average motorist in this situation gets charged $1,922 per year for full coverage, far higher than the rate for good drivers with a clean driving history.
| Car Insurance Providers in Illinois | Estimated Annual Cost |
|---|---|
| State Farm | $1,298 |
| Country Financial | $1,389 |
| Progressive | $1,498 |
| Geico | $1,515 |
| USAA | $1,561 |
Cheapest Illinois Car Insurance: Recent Accidents
Being involved in a recent at-fault accident will boost the normal Illinois driver’s auto insurance rate to an average of $2,342 per year.
| Car Insurance Providers in Illinois | Estimated Annual Cost |
|---|---|
| State Farm | $1,412 |
| American Family | $1,525 |
| Country Financial | $1,575 |
| Progressive | $1,773 |
| USAA | $1,800 |
Cheapest Illinois Car Insurance: Bad Credit
One of the quickest ways to make prices skyrocket for car insurance in Illinois is by losing a good credit score. If you’ve got bad credit, your car insurance rates could reach $2,594 per year.
| Car Insurance Providers in Illinois | Estimated Annual Cost |
|---|---|
| Country Financial | $1,497 |
| USAA | $2,008 |
| Travelers | $2,131 |
| Progressive | $2,171 |
| Geico | $2,423 |
Top 5 Auto Insurance Companies In Illinois
It’s smart to consider which providers offer the most affordable car insurance coverage in the state of Illinois, as there’s no reason to overpay. Below are our top five top choices for cheap auto insurance in Illinois.
| Best Car Insurance in Illinois | Overall Rating | Cost Rating | Coverage Rating |
|---|---|---|---|
| 1. Country Financial | 4.3 | 4.5 | 4.3 |
| 2. State Farm | 4.6 | 4.5 | 4.5 |
| 3. Progressive | 4.5 | 4.7 | 4.5 |
| 4. Geico | 4.6 | 4.7 | 4.3 |
| 5. USAA | 4.8 | 5.0 | 4.8 |
*Our research team scores car insurance companies by taking into account nationwide factors. The order of insurers in this table is specific to Illinois auto insurance.
#1 Country Financial: Best Local Coverage
Country Financial has been offering high-quality insurance products for nearly a century from its headquarters in Bloomington. The company was given an A+ rating by the Better Business Bureau (BBB) and holds a stellar A+ financial strength score from AM Best. While it’s not the country’s largest auto insurance provider, Country Financial offers excellent coverage to drivers across its home state.
#2 State Farm: Best For Student Drivers
State Farm has been providing insurance to Illinois residents since 1922, and it’s also headquartered in Bloomington. You’ll be able to reach out to one of the company’s 19,000 insurance agents with questions, making State Farm easily accessible. Additionally, the provider holds an A++ financial health score from AM Best and an A rating from the BBB.
#3 Progressive: Best Usage-Based Insurance
Progressive offers stellar car insurance in Illinois and across the other 49 states. The company receives strong reviews for its Snapshot usage-based insurance program, which can save drivers considerable money. Each Progressive car coverage plan is backed by an A+ financial strength rating from AM Best.
#4 Geico: Best Overall Provider
Geico offers outstanding car insurance in Illinois at rates that typically sit below the statewide average. You’ll find expansive coverage options from Geico, which receives an above-average score in the J.D. Power U.S. Auto Claims Satisfaction StudySM. The company holds an A+ rating from the BBB and an exceptional A++ score from AM Best.
#5 USAA: Best For Military Members
Make sure to check out USAA if you’re a military member, a veteran, or related to one. The company offers relatively competitive rates for car insurance in Illinois and some of the best customer service in the country. USAA also has an A+ from the BBB and AM Best gives it an A++ financial strength rating.
Illinois Insurance Requirements
Illinois state law requires that everyone with a driver’s license in the Land of Lincoln comply with the following minimum coverage requirements:
- Bodily injury liability coverage: $25,000 per person/$50,000 per accident
- Property damage liability insurance: $20,000 per accident
- Underinsured/uninsured motorist bodily injury coverage: $25,000 per person/$50,000 per accident
Drivers in Illinois aren’t required to carry uninsured motorist coverage for property damage, though it’s a recommended type of insurance. Underinsured motorist coverage also doesn’t need to take care of property damage issues unless motorists choose such protection.
Those considering coverage beyond the minimum liability limits set by Illinois law should look at comprehensive insurance, collision coverage, and medical payments (MedPay) coverage. Though they’re not required coverages, you’ll receive car insurance in Illinois that covers medical bills after an at-fault accident and damages to your vehicle after thefts, vandalism, and environmental issues.
Is Illinois A No-Fault State?
Illinois, as is true of the majority of the U.S., is an at-fault state. In other words, whichever driver causes an accident is responsible for covering damages incurred by all motorists.
No-fault states, on the other hand, require each driver to be compensated by their own car insurance company, regardless of fault. States with no-fault systems have fewer cases sitting in the court system, but drivers typically pay higher rates than in at-fault states like Illinois.
Best Illinois Car Insurance: Conclusion
You’ll likely find the best car insurance in Illinois through Country Financial, Progressive, and State Farm. You’ll also receive quality auto coverage from Geico and USAA.
Make sure to compare car insurance quotes to determine which providers best fit your own coverage and budget needs. By doing so, you’re more likely to find car insurance quotes that match your desires at some of Illinois’ most competitive rates.
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Illinois Car Insurance: FAQs
What is the average cost of car insurance in Illinois?
The average cost of car insurance in Illinois is $1,494 per year for full coverage. This is considerably lower than the standard rate across the nation, which comes out to $1,732 annually.
How much is car insurance per month in Illinois?
Car insurance in Illinois typically costs around $125 per month. At that rate, policyholders in the Prairie State will usually be able to receive full coverage for their vehicle.
What is the minimum car insurance in Illinois?
The minimum car insurance requirements in Illinois are $25,000 per person and $50,000 per accident in bodily injury liability coverage and uninsured motorist insurance, along with $20,000 per accident in property damage liability insurance.
What is considered full coverage in Illinois?
Full coverage in Illinois consists of the state’s minimum coverage requirements plus extras such as comprehensive insurance and collision coverage.
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.