- 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
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 | JD Power | NAIC | Insurance.com score | Average annual premium |
|---|---|---|---|---|---|
| Auto-Owners | A++ | 833 | 0.5 | 3.74 | $1,426 |
| Travelers | A++ | 806 | 0.49 | 3.56 | $1,119 |
| Erie Insurance | A+ | 844 | 0.61 | 3.54 | $1,489 |
| Country Financial | A+ | 828 | 0.34 | 3.54 | $1,609 |
| Geico | A++ | 831 | 0.91 | 3.31 | $1,178 |
| State Farm | A++ | 837 | 0.7 | 3.25 | $1,633 |
| Progressive | A+ | 816 | 0.65 | 3.15 | $1,412 |
| Automobile Club MI (AAA) | A | 786 | 0.77 | 2.84 | $979 |
| Allstate | A+ | 822 | 0.65 | 2.5 | $2,742 |
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 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 |
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 insurance costs an average of $420 annually or $35 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, 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.
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 | $3,568 | $297 |
| Auto-Owners | $4,017 | $335 |
| Country Financial | $4,083 | $340 |
| Automobile Club MI (AAA) | $5,035 | $420 |
| State Farm | $5,668 | $472 |
| Progressive | $5,711 | $476 |
| Geico | $7,067 | $589 |
| Travelers | $8,184 | $682 |
| USAA | $9,325 | $777 |
| Allstate | $11,071 | $923 |
*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 |
|---|---|---|---|
| Auto Club Group - ACG (AAA) | $979 | $1,258 | $1,223 |
| Travelers | $1,119 | $1,627 | $1,607 |
| Erie Insurance | $1,489 | $2,015 | $1,648 |
| State Farm | $1,633 | $1,881 | $1,741 |
| Progressive | $1,412 | $2,238 | $1,981 |
| Auto-Owners | $1,426 | $1,825 | $2,004 |
| Geico | $1,178 | $2,039 | $2,119 |
| USAA | $1,745 | $2,357 | $2,227 |
| Allstate | $2,742 | $5,071 | $3,630 |
*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 |
Car insurance premium trends in Illinois
Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.
That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Illinois have increased or decreased from 2020 to 2023.
Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.
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 Illinois car insurance rates with other states
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