- Best car insurance companies in Illinois
- Cheapest car insurance companies in Illinois
- Average cost of car insurance in Illinois
- Minimum car insurance requirements in Illinois
- Cheapest car insurance companies for minimum liability coverage in Illinois
- Cheapest car insurance cost in Illinois by age
- Cheapest car insurance companies in Illinois by driver profile
- Compare auto insurance rates by city in Illinois
- Methodology
- Compare auto insurance rates with other states
Best car insurance companies in Illinois
Auto-Owners is the best car insurance company in Illinois, based on a 2024 analysis by Insurance.com, with an overall rating of 3.74. Travelers is the second-best auto insurance company in Illinois with an overall rating of 3.56.
Below is a list of the top Illinois insurance companies based on price, NAIC complaint ratio and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | Avg. Annual Premium | JD Power | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A++ | $1,426 | 833 | 0.5 | 3.74 |
| Travelers | A++ | $1,119 | 806 | 0.49 | 3.56 |
| Erie Insurance | A+ | $1,489 | 844 | 0.61 | 3.54 |
| Country Financial | A+ | $1,609 | 828 | 0.34 | 3.54 |
| Geico | A++ | $1,178 | 831 | 0.91 | 3.31 |
| State Farm | A++ | $1,633 | 837 | 0.7 | 3.25 |
| Progressive | A+ | $1,412 | 816 | 0.65 | 3.15 |
| Automobile Club MI (AAA) | A | $979 | 786 | 0.77 | 2.84 |
| Allstate | A+ | $2,742 | 822 | 0.65 | 2.5 |
Cheapest car insurance companies in Illinois
Comparison shopping is the key to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We gathered price quotes from all the major insurance providers in Illinois and compiled a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Automobile Club MI (AAA) offers the cheapest full coverage car insurance in Illinois with an average annual rate of $979.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 comp/coll deductible |
|---|---|---|---|
| Automobile Club MI (AAA) | $461 | $450 | $979 |
| Travelers | $415 | $468 | $1,119 |
| Geico | $298 | $372 | $1,178 |
| Progressive | $536 | $588 | $1,412 |
| Auto-Owners | $318 | $365 | $1,426 |
| Erie Insurance | $320 | $360 | $1,489 |
| Country Financial | $341 | $366 | $1,609 |
| State Farm | $410 | $482 | $1,633 |
| USAA* | $482 | $543 | $1,745 |
| Allstate | $640 | $724 | $2,742 |
*USAA is only available to military members and their families
Average cost of car insurance in Illinois
The average car insurance rate in Illinois is $1,532 per year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. The average annual cost in Illinois is $421 for state minimum coverage.
Auto insurance calculator
Most & least expensive ZIP codes for auto insurance in Illinois
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 60612 | Chicago | $202 |
| 60637 | Chicago | $201 |
| 60619 | Chicago | $201 |
| 60624 | Chicago | $199 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 61761 | Normal | $117 |
| 61704 | Bloomington | $118 |
| 61701 | Bloomington | $120 |
| 61705 | Bloomington | $120 |
Minimum car insurance requirements in Illinois
In Illinois, you need a minimum of 25/50/20 liability car insurance coverage. Illinois’s state minimum liability insurance costs an average of $420 annually or $35 monthly.
Cheapest car insurance companies for minimum liability coverage in Illinois
According to Insurance.com data, Geico provides the cheapest state minimum liability insurance, averaging $277 annually or $23 monthly.
Below is the list of Illinois's most affordable car insurance companies with their state minimum coverage rates.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Geico | $277 | $23 |
| Erie Insurance | $312 | $26 |
| Auto-Owners | $318 | $26 |
| Country Financial | $348 | $29 |
| State Farm | $410 | $34 |
| Travelers | $422 | $35 |
| USAA* | $478 | $40 |
| Automobile Club MI (AAA) | $480 | $40 |
| Progressive | $524 | $44 |
| Allstate | $648 | $54 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Illinois by age
In Illinois, car insurance rates are higher for teenagers (16- to 19-year-olds) as they are more prone to accidents due to their lack of experience on the road.
Erie Insurance offers the cheapest car insurance for teen drivers in Illinois at $3,235 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Illinois, Automobile Club MI (AAA) offers the cheapest car insurance for adult drivers and senior drivers at $983 per year and $992 per year, respectively.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | Erie Insurance | $3,235 |
| Teens (16-19) | Automobile Club MI (AAA) | $3,507 |
| Teens (16-19) | Auto-Owners | $3,536 |
| Teens (16-19) | Country Financial | $3,624 |
| Teens (16-19) | Travelers | $4,477 |
| Teens (16-19) | Geico | $4,490 |
| Teens (16-19) | Progressive | $4,725 |
| Teens (16-19) | State Farm | $4,741 |
| Teens (16-19) | USAA* | $6,645 |
| Teens (16-19) | Allstate | $8,196 |
| Young Adults (20-24) | Automobile Club MI (AAA) | $1,670 |
| Young Adults (20-24) | Travelers | $1,783 |
| Young Adults (20-24) | Geico | $1,917 |
| Young Adults (20-24) | Country Financial | $2,294 |
| Young Adults (20-24) | Auto-Owners | $2,320 |
| Young Adults (20-24) | Progressive | $2,338 |
| Young Adults (20-24) | Erie Insurance | $2,435 |
| Young Adults (20-24) | State Farm | $2,744 |
| Young Adults (20-24) | USAA* | $3,020 |
| Young Adults (20-24) | Allstate | $4,162 |
| Adults (25-60) | Automobile Club MI (AAA) | $983 |
| Adults (25-60) | Travelers | $1,143 |
| Adults (25-60) | Geico | $1,212 |
| Adults (25-60) | Progressive | $1,435 |
| Adults (25-60) | Auto-Owners | $1,438 |
| Adults (25-60) | Erie Insurance | $1,510 |
| Adults (25-60) | Country Financial | $1,628 |
| Adults (25-60) | State Farm | $1,640 |
| Adults (25-60) | USAA* | $1,784 |
| Adults (25-60) | Allstate | $2,762 |
| Seniors (65-75) | Automobile Club MI (AAA) | $992 |
| Seniors (65-75) | Geico | $1,033 |
| Seniors (65-75) | Travelers | $1,148 |
| Seniors (65-75) | Auto-Owners | $1,397 |
| Seniors (65-75) | Progressive | $1,459 |
| Seniors (65-75) | Country Financial | $1,475 |
| Seniors (65-75) | State Farm | $1,553 |
| Seniors (65-75) | Erie Insurance | $1,593 |
| Seniors (65-75) | USAA* | $1,689 |
| Seniors (65-75) | Allstate | $2,803 |
*USAA is only available to military members and their families
Cheapest car insurance companies in Illinois by driver profile
Drivers with accidents or tickets are considered a higher risk and will pay more.
However, the severity and frequency of the incidents will also play a role in the insurance rates. For instance, drivers with one minor accident may see a smaller rate increase than those with multiple major accidents.
Below are average Illinois rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding Ticket |
|---|---|---|---|
| Geico | $787 | $1,543 | $1,392 |
| Nationwide | $987 | $1,665 | $1,331 |
| Auto-Owners | $1,061 | $1,424 | $1,630 |
| Travelers | $1,112 | $1,738 | $1,652 |
| State Farm | $1,131 | $1,342 | $1,236 |
| Mercury Insurance | $1,163 | $2,516 | $1,687 |
| American Family | $1,171 | $1,351 | $1,588 |
| Erie Insurance | $1,224 | $1,854 | $1,433 |
| USAA* | $1,269 | $2,147 | $1,661 |
| Progressive | $1,381 | $2,352 | $1,960 |
| Farmers | $1,486 | $2,565 | $2,148 |
| Auto Club Enterprises (AAA) | $1,791 | $3,127 | $2,732 |
| Allstate | $2,261 | $4,698 | $3,108 |
| Automobile Club of MI (AAA) | $2,473 | $4,204 | $4,013 |
*USAA is only available to military members and their families
Compare auto insurance rates by city in Illinois
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Illinois.
| City | Annual insurance premium |
|---|---|
Arlington Heights | $1,484 |
Aurora | $1,476 |
Chicago | $1,930 |
Joliet | $1,574 |
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
Compare auto insurance rates with other states
Helpful auto insurance tools and calculators
You might also be interested in- Cheapest home and auto insurance bundle in Illinois
- SR-22 insurance in Illinois
- Illinois gap insurance: Everything you need to know
- Cheapest car insurance for high-risk drivers in Illinois
- Best condo insurance in Illinois
- Best and cheapest renters insurance in Illinois
- Best and cheapest homeowners insurance in Illinois for 2024