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GEICO offers the cheapest auto insurance rates in Illinois at about $720 a year or $60 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.

  • Safeco offers the best car insurance rates in Illinois among the companies analyzed by Insurance.com.
  • In Illinois, GEICO provides the cheapest car insurance at $720 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 $1,326 per year.

Best auto insurance companies in Illinois

Based on Insurance.com's rate analysis, Safeco 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 Safeco, State Farm, Allstate, USAA and Liberty Mutual 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
State Farm4.0
Liberty Mutual3.9
American Family3.3
The Auto Club Group (ACG) – AAA3.2

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 $720 annually or $60 a month, on average.

CompanyAverage annual premiumAverage monthly premium
GEICO Casualty Co$720$60
Nationwide General$1,011$84
Standard Fire$1,022$85
Mercury of IL$1,079$90
American Family$1,114$93
United Svcs Automobile Assn$1,155$96
State Farm Mutl Automobile Ins$1,157$96
Erie Ins Exchange$1,221$102
Progressive Universal$1,421$118
Illinois Farmers$1,623$135
Automobile Club Inter-Ins$1,937$161
Allstate F&C$1,954$163
Auto Club Ins Assn$2,517$210
Metropolitan Group P&C$4,075$340

Cheapest car insurance cost in Illinois for teens

Geico is the cheapest car insurance company in Illinois for teen drivers. Its average annual premium for teenagers is $3,140 or $262 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
Geico Cas Co$3,140
State Farm Mut Auto$3,257
Nationwide Gen$5,306
Progressive Northern$5,717
Allstate Fire & Cas$6,063
Illinois Farmers$8,216

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 $1,240 or $103 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 Cas Co$1,240
State Farm Mut Auto$1,859
Progressive Northern$1,966
Illinois Farmers$2,419
Nationwide Gen$2,536
Allstate Fire & Cas$4,039

Cheapest car insurance cost in Illinois for adults

Geico is the cheapest car insurance company in Illinois for adults. Its average annual premium is $935 or $78 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 Cas Co$935
Progressive Northern$1,141
State Farm Mut Auto$1,145
Nationwide Gen$1,360
Illinois Farmers$1,596
Allstate Fire & Cas$2,496

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 $862 or $72 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 Cas Co$862
Progressive Northern$969
State Farm Mut Auto$1,067
Nationwide Gen$1,225
Illinois Farmers$1,468
Allstate Fire & Cas$2,588

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 $1,528 or $127 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
Standard Fire$2,024
American Family$2,489
State Farm$2,633
Illinois Farmers$2,695
Automobile Club Inter-Ins$2,991
Erie Ins$3,107
Auto Club$5,301

Cheapest auto insurance for drivers with a speeding tickets: State Farm

State Farm is the cheapest car insurance company for drivers with a speeding ticket. Its average annual rate for Illinois drivers is $1,326, 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
State Farm$1,326
Erie Ins$1,487
Standard Fire$1,721
American Family$1,876
Illinois Farmers$2,232
Automobile Club Inter-Ins$2,873
Auto Club$4,696

Cheapest auto insurance after at-fault accident: American Family

American Family 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 $1,407. 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
American Family$1,407
State Farm$1,440
Standard Fire$1,795
Erie Ins$1,842
Illinois Farmers$2,449
Automobile Club Inter-Ins$3,090
Auto Club$4,527

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 $1,326 or $111 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$1,326
American Family$1,876
Standard Fire$1,890
Erie Ins$2,198
Illinois Farmers$2,318
Automobile Club Inter-Ins$3,157
Auto Club$8,194

Average cost of car insurance in Illinois

The average car insurance rate in Illinois is $1,542 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 $86 more than the national average $1,456. For the state minimum coverage, the average annual cost in Illinois is $559.

State minimum average annual rateFull coverage average annual rate

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