- Best car insurance companies in Illinois
- Cheapest car insurance companies in Illinois
- Average cost of car insurance in Illinois
- Illinois car insurance requirements
- 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
- Car insurance premium trends in Illinois
- Methodology
- Compare Illinois car insurance rates with other states
Best car insurance companies in Illinois
Erie Insurance is the best car insurance company in Illinois, based on our 2025 rankings, with an overall rating of 4.25. Country Financial is the second-best auto insurance company in Illinois with an overall rating of 4.23.
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 | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Erie Insurance | A+ | 710 | 0.89 | $1,489 | 4.25 |
| Country Financial | A+ | 665 | 0.24 | $1,609 | 4.23 |
| GEICO | A++ | 641 | 0.69 | $1,178 | 4.13 |
| Auto-Owners | A+ | 646 | 0.54 | $1,426 | 4.03 |
| Travelers | A++ | 606 | 0.52 | $1,119 | 4.01 |
| State Farm | A++ | 665 | 0.79 | $1,633 | 3.98 |
| Progressive | A+ | 648 | 0.71 | $1,412 | 3.95 |
| Allstate | A+ | 652 | 1.1 | $2,742 | 3 |
| USAA | A++ | 726 | 1.18 | $1,745 | 4.07 |
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, GEICO offers the cheapest full coverage car insurance in Illinois with an average annual rate of $1,451.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| GEICO | $325 | $403 | $1,451 |
| Travelers | $574 | $622 | $1,455 |
| Auto Club Group - ACG (AAA) | $568 | $558 | $1,834 |
| Erie Insurance | $316 | $358 | $2,018 |
| Auto-Owners | $398 | $454 | $2,031 |
| Country Financial | $347 | $374 | $2,060 |
| Progressive | $622 | $702 | $2,166 |
| Allstate | $653 | $704 | $2,869 |
| USAA | $453 | $504 | $1,638 |
*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 $1,901 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 $462 for state minimum coverage.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Illinois
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Riverdale | $894 | $75 |
| Calumet City | $892 | $74 |
| Cicero | $888 | $74 |
| Elmwood Park | $871 | $73 |
| Chicago | $845 | $70 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Vandalia | $466 | $39 |
| Princeton | $478 | $40 |
| Edgewood | $479 | $40 |
| Keensburg | $480 | $40 |
| Lena | $480 | $40 |
The Illinois Department of Insurance says...
Illinois has adopted modified comparative negligence (735 ILCS 5/2-1116) as the standard for recovery of damages. Under modified comparative negligence, an injured party may recover damages only if he/she is less than 50% at fault for the injury or damages. However, the recovered amount may be reduced in proportion to the degree that the injured party was at fault. For example, if the other driver is determined to be 80% at fault and you are determined to be 20% at fault, you can collect for your damages because you were less than 50% at fault. However, the other driver's insurance company might only offer to pay for 80% of your damages.
- The Illinois Department of InsuranceIllinois car insurance requirements
In Illinois, you need a minimum of 25/50/20 liability car insurance coverage. Illinois’s state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $462 annually or $39 monthly.
Minimum liability insurance requirements for Illinois:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $20,000 per accident
- Uninsured/underinsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident
Cheapest car insurance companies for minimum liability coverage in Illinois
According to Insurance.com data, Erie Insurance provides the cheapest state minimum liability insurance, averaging $358 annually or $30 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 |
|---|---|---|
| Erie Insurance | $358 | $30 |
| Country Financial | $374 | $31 |
| GEICO | $403 | $34 |
| Auto-Owners | $454 | $38 |
| Auto Club Group - ACG (AAA) | $558 | $46 |
| Travelers | $622 | $52 |
| Allstate | $704 | $59 |
| Progressive | $702 | $59 |
| USAA | $504 | $42 |
*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 a 16-year-old driver in Illinois at $4,858 per year.
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, Travelers offers the cheapest car insurance for a 25-year-old driver at $1,689 per year. GEICO offers the cheapest car insurance for a 65-year-old driver at $1,191 per year.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Erie Insurance | $4,858 | $405 |
| Country Financial | $4,926 | $410 |
| Auto-Owners | $5,461 | $455 |
| GEICO | $8,301 | $692 |
| Auto Club Group - ACG (AAA) | $8,572 | $714 |
| USAA | $8,931 | $744 |
| Travelers | $9,869 | $822 |
| Progressive | $12,043 | $1,004 |
| Allstate | $12,416 | $1,035 |
*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 |
|---|---|---|---|
| Travelers | $1,455 | $2,114 | $2,089 |
| Erie Insurance | $2,018 | $2,730 | $2,233 |
| Auto Club Group - ACG (AAA) | $1,834 | $2,357 | $2,290 |
| GEICO | $1,451 | $2,512 | $2,609 |
| Progressive | $2,166 | $3,435 | $3,039 |
| Auto-Owners | $2,031 | $2,598 | $3,263 |
| Allstate | $2,869 | $5,307 | $3,799 |
| USAA | $1,638 | $2,498 | $2,089 |
*USAA is only available to military members and their families
Compare auto insurance rates by city in Illinois
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Illinois will impact what you pay. Below, we've gathered Illinois car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Arlington Heights | $1,484 |
Aurora | $1,476 |
Chicago | $1,930 |
Joliet | $1,574 |
Car insurance premium trends in Illinois
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Illinois to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
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
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Illinois car insurance rates with other states
Helpful auto insurance tools and calculators
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