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.

Best car insurance in Illinois
Company AM BestAvg. Annual PremiumJD PowerNAICInsurance.com score
Auto-OwnersA++$1,4268330.53.74
TravelersA++$1,1198060.493.56
Erie InsuranceA+$1,4898440.613.54
Country FinancialA+$1,6098280.343.54
GeicoA++$1,1788310.913.31
State FarmA++$1,6338370.73.25
ProgressiveA+$1,4128160.653.15
Automobile Club MI (AAA)A$9797860.772.84
AllstateA+$2,7428220.652.5

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 car insurance with an average annual rate of $979 for full coverage in Illinois.

Cheapest car insurance in Illinois
CompanyState minimum liability50/100/50 liability100/300/100 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.

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Average auto insurance rates in Alabama
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Male
Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

Most & least expensive ZIP codes for auto insurance in

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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.

Cheapest car insurance in Illinois by age
AgeCompanyAvg 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. 

Cheapest auto insurance in Illinois for drivers with tickets and accidents
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.

CityAnnual insurance premium
Arlington Heights
$1,484
Aurora
$1,476
Chicago
$1,930
Joliet
$1,574

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.

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