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Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information. Updated Oct 21, 2022 Find cheaper car insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Get my free quotes Select from a variety of trusted carriers + MORE How it works Caret Down Get matched with personalized offers Tell us a little about yourself so we can share accurate and personalized offers. We only ask for info we know will impact your rate. Choose the best policy for you Compare your options from carriers who want to work with you, and select as many offers as you'd like. Finalize your rate and policy details Once you pick the carrier you want, finish the process by phone with an trusted agent or entirely online. That's it! On This Page
Compare rates and save on auto insurance today! Get quotes Close X More than half of Illinois' are licensed to drive. However, even with car insurance being legally required in the state, nearly the 8,546,932 licensed drivers in the state are uninsured. More than just a legal requirement, car insurance helps keep you financially protected against incidents that may impact you, your vehicle or other motorists and passengers on the road. Car insurance in Illinois is priced at $442 per year for minimum coverage and $1,485 per year for full coverage, considerably under the . Still, many drivers still seek lower premiums. To help Illinois' driving population - both those with and without car insurance - Bankrate researched multiple companies writing policies in the state and compared each company's average 2021 premiums to narrow down the in Illinois. See More The cheapest car insurance in Illinois
Illinois drivers have several options when it comes to affordable car insurance, making it considerably less in other states. The table below includes the cheapest car insurance in Illinois from some of the best car insurance companies in the country. Car insurance company J.D. Power customer satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage Geico 837 / 1,000 $267 $928 State Farm 851 / 1,000 $316 $935 Progressive 842 / 1,000 $525 $1,299 Allstate 827 / 1,000 $416 $1,637 Country Financial 850 / 1,000 $438 $1,648 This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. Geico
Drivers who are looking for cheap car insurance in Illinois might consider starting their search with Geico. The average full coverage policy from Geico costs $928 annually and the average minimum coverage policy costs just $267. In addition to low rates, Geico offers many for even more savings. Drivers can get a lower premium by having vehicle safety features, being a good student, being a good driver, being a federal employee or being an active duty military member. Learn more: State Farm
Drivers who are looking for cheap insurance coverage in Illinois could choose an affordably-priced policy from State Farm. The average minimum coverage policy costs $316 annually and the average full coverage policy costs $935 annually. Drivers can by taking advantage of discounts for being accident-free, being a good student, taking a and taking advantage of one of State Farm's safe driver programs, Drive Safe & Save or Steer Clear. Policyholders can also feel confident when they opt for travel expense coverage, which pays for transportation, food and temporary stay expenses when they are involved in an accident more than 50 miles from home. Learn more: Progressive
Progressive is a great choice when you want to save on your insurance, especially when you . Its signature Snapshot program rewards safe driving with extra savings, but there are many other ways to save, too. Progressive also offers discounts for multiple cars, continuous insurance, college students and teen drivers. You can also use the Name Your Price Tool to control how much you pay each month for your insurance. Learn more: Allstate
Allstate offers several types of car insurance coverage like sound system insurance, roadside coverage, personal injury protection (PIP) insurance and . It is also a company that specializes in teen driver insurance, as well as rideshare insurance if you drive for Uber or Lyft. If you need classic car insurance, Allstate has you covered there, too. To help you afford these additional types of coverage, you can sign up for Allstate's Drivewise program, which will reward you for safe driving habits. Learn more: Country Financial
If you have a new car, Country Financial's Keeper® protection will replace your car with the exact make and model so you are not affected by depreciation if your brand-new car is totaled in an accident. There is also emergency roadside assistance, vehicle rental and trip interruption coverage and safety glass coverage. Country Financial has several savings programs that include bundle and multi-car discounts, plus extra savings for new drivers when you complete its Simply Drive course. Learn more: Minimum coverage for Illinois drivers
Drivers in Illinois are minimum coverage car insurance, which includes bodily injury and property damage liability coverage, as well as liability coverage for uninsured motorists. Minimum coverage insurance in Illinois is abbreviated as , which includes: $25,000 in bodily injury liability coverage per person $50,000 in bodily injury liability coverage per accident $20,000 in property damage liability coverage. Purchasing minimum coverage insurance could mean you pay the lowest rate. However, drivers are encouraged to purchase coverage beyond the minimum requirement. Car accidents can be expensive, and if your policy does not cover the full cost of an accident, you are responsible for paying the rest out-of-pocket. How to get cheap car insurance in Illinois
If you are looking for the cheapest auto insurance in Illinois, finding an affordable carrier is important. However, there are several other ways that drivers can get a low rate. Here are some of the most common ways to save when purchasing insurance from : Shop around: Instead of settling for the first provider you find, consider doing some research to identify a few car insurance companies that have the coverage and discounts you are looking for. Compare rates: and compare them to see which company can offer the lowest-priced policy. Take advantage of discounts: Look for insurance companies that offer discounts you qualify for. The more discounts you can take advantage of, the cheaper your premium may be. Pay in full: If you can afford to pay your annual premium upfront and in full, you can probably save some money on your policy. Raise your credit score: In Illinois, car insurance companies will use your to price your insurance. can help you get a lower rate. Increase your deductible: If you can afford a higher out-of-pocket cost, you may consider raising your . The savings may not be significant, but it will lower your premium slightly. Frequently asked questions
The is different for every driver. When determining the best car insurance company for you, it may help to look at which provider offers the most meaningful coverage options and has strong customer service.
The in the U.S. is $1,674 for a full coverage policy annually. The statewide average cost of full coverage insurance in Illinois is $1,485 per year, which is considerably below the national average. The rate you end up paying may be different depending on your age, driving record and ZIP code, among other factors.
Getting a car insurance quote is a simple process. The easiest ways to get a quote are to use an online quote tool or call an agent directly. You will be asked to provide personal information, like your name, address, birthday and possibly your social security number. You will also need to provide information about your vehicle, such as the VIN, mileage, make, model and year. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Written by Elizabeth Rivelli Insurance Contributor Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information.