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Geico offers the cheapest auto insurance rates in Illinois at about $798 a year or $67 monthly for an average driver profile. However, many factors go into deciding your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select as metrics to determine your average annual car insurance cost.

KEY TAKEAWAYS
  • USAA offers the best car insurance rates in Illinois among the companies analyzed by Insurance.com.
  • In Illinois, Geico provides the cheapest car insurance at $798 per year.
  • Car insurance rates differ with various driving profiles. Nationwide offers the cheapest car insurance prices for drivers with poor credit.
  • State Farm has the cheapest car insurance rates for any driver with a DUI in Illinois. The insurance premium is $2,388 per year.

Best auto insurance companies in Illinois

Based on Insurance.com's rate analysis, USAA is our top pick for the best auto insurance company in Illinois. It has earned 4.1 auto star rating, highest among the carriers surveyed. Apart from USAA, Allstate, Erie Insurance, Automobile Club MI (AAA) and Auto Club Enterprises (AAA) are the other top performers on the list of best car insurance companies.

Compare insurance providers based on their auto star ratings and decide which one is the right option for you.

CompanyAuto star ratings
Safeco4.1
State Farm4.0
Allstate4.0
USAA4.0
Liberty Mutual3.9
Geico3.9
Travelers3.9
Hartford3.4
Progressive3.4
American Family3.3
Nationwide3.3
The Auto Club Group (ACG) – AAA3.2
Erie3.2

Cheapest car insurance companies in Illinois

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes 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 have gathered price quotes from all the major insurance providers in Illinois and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Geico is the cheapest auto insurance company in Illinois that offers insurance policies at $798 annually or $67 a month, on average.

CompanyAverage annual premiumAverage monthly premium
Geico$798$67
Nationwide$1,077$90
Travelers$1,077$90
State Farm$1,104$92
Auto-Owners$1,127$94
Mercury Insurance$1,195$100
American Family$1,201$100
Erie Insurance$1,239$103
USAA$1,317$110
Progressive$1,414$118
Farmers$1,417$118
Auto Club Enterprises (AAA)$1,654$138
Automobile Club MI (AAA)$2,303$192
Allstate$2,451$204

Cheapest car insurance cost in Illinois for teens

Erie Insurance is the cheapest car insurance company in Illinois for teen drivers. Its average annual premium for teenagers is $2,982 or $249 a month.

The difference in costs between the teen and adult group is significant. Drivers in the youngest age group pay more than the drivers in the oldest age group. There are several reasons for this difference. Teen drivers are more likely to be involved in accidents and to make claims on their insurance policies. They are also more likely to be driving illegally without insurance. All these reasons lead to higher insurance rates for teenage drivers.

CompanyAverage annual premium
Erie Insurance$2,982
Geico$3,260
Auto-Owners$3,306
State Farm$3,634
American Family$3,867
Nationwide$4,471
USAA$4,723
Travelers$4,797
Progressive$6,208
Allstate$6,566
Mercury Insurance$7,020
Farmers$7,837
Automobile Club MI (AAA)$9,119
Auto Club Enterprises (AAA)$9,954

Cheapest car insurance cost in Illinois for young adults

Geico is the cheapest car insurance company in Illinois for young adults, based on Insurance.com's rate analysis. Its average annual premium is $1,294 or $108 a month.

The insurance rates for young drivers are more expensive than adult drivers because they have a short history of safe driving and lack of experience on the road.

If you’re a young driver and still studying and looking for ways to save on your car insurance, make sure you take advantage of the discounts for which you are eligible. And for those who aren't students anymore, they can avail themselves of other discounts offered by insurance companies to save on their insurance premium.

CompanyAverage annual premium
Geico$1,294
Travelers$1,801
American Family$1,971
Auto-Owners$1,982
Nationwide$2,019
State Farm$2,048
Erie Insurance$2,138
USAA$2,227
Progressive$2,628
Farmers$2,866
Mercury Insurance$2,914
Auto Club Enterprises (AAA)$3,854
Allstate$4,191
Automobile Club MI (AAA)$4,780

Cheapest car insurance cost in Illinois for adults

Geico is the cheapest car insurance company in Illinois for adults. Its average annual premium is $825 or $69 a month.

When most drivers reach their mid 20s, they enjoy cheaper car insurance rates than in their teen years and early 20s. Still, the cost of car insurance varies due to factors such as a person’s driving record and the make or model they drive.

Adult drivers can lower the cost of auto insurance by shopping around and availing themselves of any discounts available. Another way to save on your premium is by insuring more than one vehicle with the same company, or by bundling your home and auto insurance policies.

CompanyAverage annual premium
Geico$825
Nationwide$1,106
Travelers$1,120
State Farm$1,138
Auto-Owners$1,158
American Family$1,223
Erie Insurance$1,283
Mercury Insurance$1,321
USAA$1,368
Farmers$1,451
Progressive$1,462
Auto Club Enterprises (AAA)$1,685
Allstate$2,421
Automobile Club MI (AAA)$2,441

Cheapest car insurance cost in Illinois for seniors

Geico is the cheapest auto insurance company for senior drivers in Illinois. Its average annual premium is $715 or $60 a month.

Insurance companies charge mature drivers much less than they do for teen drivers, but as drivers get into their senior years, a lot of those discounts dry up. You can save a lot of money by comparing car insurance rates. Senior drivers might be able to save hundreds of dollars on their insurance premium by shopping around.

CompanyAverage annual premium
Geico$715
Nationwide$1,035
State Farm$1,045
Auto-Owners$1,101
Travelers$1,108
American Family$1,207
USAA$1,272
Mercury Insurance$1,339
Erie Insurance$1,359
Farmers$1,404
Progressive$1,522
Auto Club Enterprises (AAA)$1,544
Automobile Club MI (AAA)$2,262
Allstate$2,418

Cheapest Car Insurance Companies in Illinois by Driver Profile

While location is a major factor in determining your car insurance rates, your driving profile also plays a role. Some drivers struggle with a bad driving record, but a clean record doesn't have to hurt your wallet. If you have been convicted of any traffic violations or have multiple accidents under your belt, then your auto insurance rates may skyrocket.

Make sure you compare rates of insurance companies to find the best policy for you. No matter what your driving history looks like, you can still find affordable coverage in Illinois.

Cheapest auto insurance for drivers with poor credit: Nationwide

Nationwide is the cheapest car insurance company for drivers a with poor credit score. Its average annual premium is $2,428 or $202 a month. It's important to know that your credit score can affect your rates with insurers. One company might charge more because of your poor credits, but another could offer the same coverage for less money. The best way to get lower rates is by getting multiple quotes from different companies and seeing which one offers a better price

CompanyAverage annual premium
Nationwide$1,317
Geico$1,496
Mercury$1,550
Travelers$1,822
USAA$2,107
American Family$2,111
Farmers$2,356
State Farm$2,456
Progressive$2,568
Erie$2,764
Auto Club Entreprises$2,784
Auto-Owners$3,190
Allstate$3,441
Automobile Club of MI$4,538

Cheapest auto insurance for drivers with a speeding tickets: Geico

Geico is the cheapest car insurance company for drivers with a speeding ticket. Its average annual rate for Illinois drivers is $1,837, based on a rate analysis by Insurance.com.

If you get a speeding ticket, your car insurance rates might go up. However, how much a speeding ticket affects your rates will depend on the type of violation, insurance company’s pricing strategy and regulations in your state.

The data below shows the companies that offer cheap insurance rates for drivers with a speeding ticket in Illinois.

CompanyAverage annual premium
Geico$1,173
Auto-Owners$1,218
State Farm$1,236
Nationwide$1,278
Erie$1,320
Travelers$1,563
American Family$1,591
Mercury$1,603
USAA$1,613
Progressive$1,879
Farmers$2,004
Auto Club Entreprises$2,524
Allstate$3,118
Automobile Club of MI$4,026

Cheapest auto insurance after at-fault accident: Geico

Geico is the cheapest car insurance company for drivers with an accident record. Its annual average cost for drivers with an at-fault bodily injury accident is $2,087. The only way to get cheap car insurance after an accident is by comparing rates. So, don't forget to compare insurers based on their average annual premium to get an affordable rate.

CompanyAverage annual premium
Geico$1,210
American Family$1,259
State Farm$1,342
Auto-Owners$1,359
Nationwide$1,495
Erie$1,626
Travelers$1,639
USAA$1,903
Progressive$2,079
Farmers$2,211
Mercury$2,288
Auto Club Entreprises$2,768
Automobile Club of MI$3,977
Allstate$4,402

Cheapest auto insurance after a DUI: State Farm

The cheapest car insurance company for drivers with a DUI is State Farm. Its average premium cost is $2,388 or $199 a month.

When you get pulled over for driving under the influence, your insurance rates are going to skyrocket. This is because it signals that drivers with a DUI have a higher chance of getting into accidents. A DUI conviction can have a huge impact on your insurance rates, but shopping around may help you save money.

CompanyAverage annual premium
State Farm$1,236
Mercury$1,535
Progressive$1,561
Geico$1,565
American Family$1,591
Travelers$1,803
Nationwide$1,918
Erie$1,933
Auto-Owners$2,042
Farmers$2,086
USAA$2,660
Auto Club Entreprises$3,372
Allstate$3,741
Automobile Club of MI$7,591

Average cost of car insurance in Illinois

The average car insurance rate in Illinois is $1,384 a year for a full coverage policy with coverage level of 100/300/100 for a driver age 30, according to a rate analysis by Insurance.com. That’s $-223 more than the national average $1,607. For the state minimum coverage, the average annual cost in Illinois is $423.

State minimum average annual rateFull coverage average annual rate
$559$1,542

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