Cheapest Car Insurance In Illinois (2024)
The cheapest car insurance in Illinois comes from GEICO at $32 per month on average.
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Because car insurance costs are increasing, it is smart for drivers in Illinois to compare different policy choices in order to find coverage that is affordable. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, satisfaction of customers, available coverage options, and average premiums of each provider.
In this review, we will discuss the most effective methods to cut costs on car insurance and where you can locate the most affordable options in Illinois that suit your driving record.
Key Points
- GEICO is the cheapest car insurance company in Illinois overall, with an average rate of $32 per month for minimum coverage and $116 per month for full coverage.
- Auto-Owners and Pekin also offer affordable car insurance rates for many driver profiles.
- If you are younger than 25 or have gotten traffic tickets, you will notice that your car insurance rates are higher than usual.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Different car insurance companies analyze driver profiles in various ways, which means that the provider that offers the lowest rates for one driver may not be the most inexpensive choice for you. To illustrate, here is an overview of the cheapest auto insurance providers and the rates they offer for different driver profiles in Illinois.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | GEICO | $32 | $378 |
| Full coverage | Travelers | $106 | $1,276 |
| 16-year-olds | Erie | $83 | $998 |
| 45-year-olds | Auto-Owners | $29 | $346 |
| High-risk drivers | Travelers | $45 | $545 |
| After a speeding ticket | GEICO | $39 | $471 |
| After an accident | Travelers | $44 | $534 |
| After a DUI | Travelers | $49 | $588 |
| Poor credit drivers | Travelers | $36 | $430 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Illinois?
In general, we discovered that GEICO provides the least expensive car insurance in Illinois for most types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Illinois.
These rates apply to drivers in Illinois who are of various ages, from different locations, and with different driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Illinois: GEICO
Drivers looking for the most affordable coverage that just meets Illinois state minimum requirements may find it at GEICO for about $32 per month or $378 per year on average.
| Cheapest Car Insurance in Illinois | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| GEICO | $32 | $378 |
| Auto-Owners | $34 | $404 |
| Pekin | $36 | $427 |
| Erie | $36 | $428 |
| Travelers | $36 | $430 |
| Country Financial | $39 | $466 |
| State Farm | $52 | $624 |
| AAA | $57 | $678 |
| Progressive | $62 | $747 |
| Allstate | $84 | $1,011 |
Cheapest Full Coverage In Illinois: Travelers
If you want to find the most comprehensive coverage at the most affordable price, Travelers is the best choice. The provider offers full-coverage insurance for an average of $106 per month.
Full-coverage insurance policies in Illinois generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Illinois | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Travelers | $106 | $1,276 |
| GEICO | $116 | $1,396 |
| Auto-Owners | $142 | $1,707 |
| Country Financial | $145 | $1,746 |
| Pekin | $146 | $1,750 |
| Erie | $155 | $1,860 |
| AAA | $180 | $2,156 |
| Progressive | $193 | $2,310 |
| State Farm | $213 | $2,557 |
| Allstate | $281 | $3,373 |
Cheapest Car Insurance In Illinois: Age
Below, you’ll find average insurance costs for Illinois drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. Typically, drivers who are 30 to 55 years old receive the most favorable car insurance rates because they possess greater road experience. Additionally, based on statistics, they have a lower likelihood of being involved in car accidents compared to younger drivers.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $184 | $579 |
| 25 | $50 | $182 |
| 35 | $43 | $153 |
| 45 | $41 | $143 |
| 55 | $39 | $133 |
Cheapest Illinois Car Insurance: Young Drivers
As mentioned, new drivers and early 20s typically pay the most expensive car insurance rates. That’s mostly because these drivers don’t have much experience driving and are more likely to break traffic rules and get into accidents.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Illinois Car Insurance For 16-Year-Olds: Erie
If you’re a teen driver or the parent of one, Erie may be your best bet for finding the most affordable car insurance in Illinois.
The company’s cheapest average rates for 16-year-old drivers are $83 per month or $998 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $318 per month or $3,817 per year from Country Financial.
| Cheapest Car Insurance in Illinois | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $83 | $372 |
| Country Financial | $103 | $318 |
| GEICO | $113 | $445 |
| Auto-Owners | $132 | $400 |
| Pekin | $169 | $472 |
| State Farm | $209 | $705 |
| AAA | $216 | $649 |
| Travelers | $226 | $691 |
| Progressive | $257 | $873 |
| Allstate | $327 | $865 |
Cheapest Illinois Car Insurance For 25-Year-Olds: GEICO
Young drivers in their 20s generally have lower car insurance rates compared to teenagers. However, the cost can still be high depending on the insurance company you select.
GEICO provides the cheapest car insurance costs on average at $30 per month or $358 per year for minimum coverage. Travelers costs $110 per month or $1,322 per year for full coverage.
| Cheapest Car Insurance in Illinois | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $30 | $118 |
| Travelers | $36 | $110 |
| Pekin | $37 | $153 |
| Auto-Owners | $38 | $163 |
| Erie | $40 | $174 |
| Country Financial | $44 | $160 |
| State Farm | $57 | $238 |
| AAA | $63 | $197 |
| Progressive | $65 | $206 |
| Allstate | $93 | $303 |
Cheapest Illinois Car Insurance: Adult Drivers
People who are in their 40s typically have the most affordable auto insurance premiums. You can compare typical car insurance expenses of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Illinois Car Insurance For 35-Year-Olds: Auto-Owners
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from Auto-Owners. The company offers average minimum-coverage costs of $29 per month or $354 per year. For full coverage, Travelers’s rates average $103 monthly or $1,231 annually.
| Cheapest Car Insurance in Illinois | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Auto-Owners | $29 | $121 |
| Erie | $32 | $136 |
| Country Financial | $33 | $131 |
| GEICO | $33 | $115 |
| Pekin | $34 | $139 |
| Travelers | $35 | $103 |
| State Farm | $47 | $188 |
| AAA | $50 | $162 |
| Progressive | $59 | $179 |
| Allstate | $76 | $259 |
Cheapest Illinois Car Insurance For 45-Year-Olds: Auto-Owners
Forty-five-year-old drivers may find the most affordable minimum coverage from Auto-Owners, with average rates of $29 per month or $346 per year. The cheapest full coverage comes from Travelers at $92 per month or $1,110 per year.
| Cheapest Car Insurance in Illinois | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Auto-Owners | $29 | $118 |
| Erie | $30 | $129 |
| Pekin | $32 | $132 |
| GEICO | $32 | $100 |
| Country Financial | $32 | $123 |
| Travelers | $33 | $92 |
| AAA | $44 | $141 |
| State Farm | $48 | $184 |
| Progressive | $59 | $168 |
| Allstate | $74 | $245 |
Cheapest Illinois Car Insurance For 55-Year-Olds: GEICO
In Illinois, people who are in their 50s usually get the cheapest car insurance rates from GEICO. The insurer’s average premiums are $27 monthly or $328 annually for minimum coverage. The cheapest full coverage option is from Travelers, costing $92 monthly or $1,110 annually
| Cheapest Car Insurance in Illinois | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $27 | $95 |
| Auto-Owners | $28 | $109 |
| Erie | $29 | $124 |
| Country Financial | $31 | $116 |
| Travelers | $31 | $84 |
| Pekin | $32 | $128 |
| AAA | $40 | $127 |
| State Farm | $46 | $173 |
| Progressive | $58 | $153 |
| Allstate | $71 | $226 |
Cheapest Car Insurance In Illinois: High-Risk Drivers
Besides the type of coverage and your age, the way you drive has a significant impact on how much you will pay for car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including fines for speeding, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk pay car insurance rates that are higher than the average. This is because they have multiple violations on their driving records. On average, Illinois motorists who are deemed high-risk may find the most affordable rates from Travelers for minimum coverage or Travelers for full coverage.
| Cheapest Car Insurance in Illinois | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $45 | $142 |
| Erie | $51 | $207 |
| GEICO | $53 | $200 |
| Auto-Owners | $55 | $203 |
| State Farm | $58 | $231 |
| Country Financial | $60 | $205 |
| Pekin | $63 | $243 |
| Progressive | $74 | $255 |
| AAA | $103 | $274 |
| Allstate | $143 | $438 |
Cheapest Illinois Car Insurance For Drivers With A Speeding Ticket: GEICO
Drivers with a speeding citation on their record can generally find the most affordable coverage from GEICO, with average rates of $39 per month or $471 per year for minimum coverage and $150 per month or $1,804 per year for full coverage.
| Cheapest Car Insurance in Illinois | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $39 | $150 |
| Erie | $39 | $172 |
| Travelers | $43 | $135 |
| Auto-Owners | $46 | $178 |
| Pekin | $46 | $180 |
| Country Financial | $53 | $191 |
| State Farm | $56 | $226 |
| AAA | $70 | $228 |
| Progressive | $73 | $260 |
| Allstate | $117 | $368 |
Cheapest Illinois Car Insurance For Drivers With An At-Fault Accident: Travelers
Getting into a car accident in Illinois may result in higher car insurance costs. Travelers tends to offer the most affordable rates on average at about $44 per month or $534 per year for minimum coverage and $139 per month or $139 per year for full coverage.
| Cheapest Car Insurance in Illinois | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $44 | $139 |
| Auto-Owners | $45 | $177 |
| Pekin | $48 | $191 |
| Erie | $51 | $207 |
| GEICO | $53 | $202 |
| State Farm | $61 | $242 |
| Country Financial | $63 | $206 |
| Progressive | $79 | $280 |
| AAA | $85 | $228 |
| Allstate | $166 | $509 |
Cheapest Illinois Car Insurance For Drivers With A DUI: Travelers
If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in Illinois from Travelers for $49 per month or $588 per year on average. They also have rates of $152 monthly or $1,822 annually for full coverage.
| Cheapest Car Insurance in Illinois | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $49 | $152 |
| State Farm | $56 | $226 |
| Erie | $62 | $243 |
| Country Financial | $66 | $218 |
| GEICO | $68 | $249 |
| Progressive | $68 | $225 |
| Auto-Owners | $72 | $255 |
| Pekin | $96 | $357 |
| Allstate | $147 | $438 |
| AAA | $155 | $366 |
Cheapest Illinois Car Insurance For Drivers With Poor Credit: Travelers
People who have bad credit have to pay more money for car insurance. Those who don’t have the best credit history may want to check out Travelers, which has an average minimum-coverage rate of $54 per month or $646 per year and an average full-coverage rate of $160 per month or $1,914 per year.
| Cheapest Car Insurance in Illinois | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $54 | $160 |
| GEICO | $56 | $245 |
| Country Financial | $63 | $211 |
| Pekin | $66 | $280 |
| Erie | $76 | $356 |
| Auto-Owners | $95 | $439 |
| Progressive | $97 | $330 |
| AAA | $105 | $299 |
| Allstate | $137 | $420 |
| State Farm | $224 | $920 |
Average Cost Of Car Insurance In 10 Illinois Cities
Another thing that affects how much you pay for car insurance in Illinois is the location where you live. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- There are a greater number of cars driving on the road.
- More frequent car accidents
- More frequent occurrences of breaking traffic rules.
- More incidents of car theft and auto vandalism
- Extreme weather conditions
Certain factors that increase the likelihood of risks tend to impact individuals who own cars in bigger cities. As a result, drivers in busy urban areas have to pay the highest average amount for car insurance with minimum coverage. On the other hand, drivers in rural regions, where there is less crime and a smaller population, are more likely to have access to more affordable insurance rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Chicago | $61 | $200 |
| Aurora | $46 | $135 |
| Rockford | $43 | $137 |
| Springfield | $42 | $134 |
| Joliet | $48 | $140 |
| Waukegan | $49 | $141 |
| Bolingbrook | $49 | $143 |
| Normal | $37 | $115 |
| Elgin | $47 | $136 |
| Peoria | $42 | $130 |
Top 5 Car Insurance Companies In Illinois
Besides the expense, we have examined more than 40 insurance companies in terms of their coverage, service, and dependability to identify the top five insurers for people living in Illinois. Based on our research, we found GEICO to be the best provider for most drivers in Illinois. Here are our ratings for the choices we recommend overall.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 Travelers | 4.6 | 4.4 | 4.9 | 4.5 | 4.2 |
| #3 AAA | 4.5 | 4.5 | 4.9 | 4.1 | 4.4 |
| #4 Erie | 4.5 | 4.3 | 5.0 | 4.5 | 4.5 |
| #5 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Illinois
In Illinois, there are various methods to reduce the amount you pay for car insurance. These include:
- Opting for minimum coverage: If you just get the minimum coverage that your state requires, you’ll be able to find the cheapest car insurance available.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from several companies can give you an idea of which provider will give you the best offer.
Many insurance companies also provide programs for usage-based insurance, which is a great way to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you may receive a significant discount, but there are some programs that may increase your rates if you engage in risky driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Illinois Require For Car Insurance?
Drivers in Illinois must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $20,000 property damage liability per accident
- $50,000 underinsured/uninsured motorist bodily injury coverage per accident
- $25,000 underinsured/uninsured motorist bodily injury coverage per person
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Illinois
When it comes to both minimum and full coverage, GEICO is the best and most affordable car insurance company for most drivers in Illinois. While the above costs can give you an idea of what you’d pay for car insurance in Illinois, getting a personalized quote will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and no-cost tools online that you can use to get a quote. Alternatively, you can contact the company’s insurance agent or representative directly. Once you have gathered car insurance quotes from at least three providers, compare them to find the best option for you.
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Best Cheap Car Insurance In Illinois: FAQ
Here are some frequently asked questions about car insurance in Illinois:
How much is car insurance per month in Illinois?
Is Illinois Car Insurance Cheaper?
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.