The cheapest full coverage car insurance in Illinois is $82, saving you $46 compared to the average cost of insurance in the state, which is around $128 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Illinois, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Illinois should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Among the companies analyzed by CarInsurance.com, Automobile Club MI (AAA) stands out as the cheapest option for full coverage car insurance in Illinois, with an insurance premium of $82 per month.
- Drivers in Illinois with a clean record pay 43% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Illinois is Bloomington, with an annual premium of $1,331.
- Illinois drivers can save up to 36% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance rates in Illinois?
Based on data analysis by CarInsurance.com, Automobile Club MI (AAA) provides the cheapest full coverage auto insurance rates for Illinois drivers at a monthly rate of $82 or $979 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Illinois.
Cheapest car insurance rates in Illinois per month
| Company | Full coverage monthly rates |
|---|---|
| Automobile Club MI (AAA) | $82 |
| Travelers | $93 |
| GEICO | $98 |
| Progressive | $118 |
| Auto-Owners | $119 |
| Erie Insurance | $124 |
| Country Financial | $134 |
| State Farm | $136 |
| Allstate | $228 |
| USAA* | $145 |
Note: USAA is only available to military community members and their families.
Who pays the lowest auto insurance premiums in Illinois?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 9% less than single drivers.
- Illinois drivers with clean records pay 43% less than drivers who have a DUI on their record.
- Illinois drivers in their 20s pay 59% lower rates for insurance than a 16-year-old in Illinois.
- Adding a teen to your policy will cost you 69% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 26% less on their insurance premiums.
- Drivers insured for three or more years can save up to 20% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 3% for this state more on their premiums.
Cheapest Illinois companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- GEICO is the cheapest for a state minimum policy.
- Erie Insurance has the cheapest rates for a liability-only policy (50/100/50).
- Automobile Club MI (AAA) offers the cheapest car insurance for a full coverage policy (100/300/100) in Illinois.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Illinois
Illinois requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $20,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Illinois, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| GEICO | $298 |
| Auto-Owners | $318 |
| Erie Insurance | $320 |
| Country Financial | $341 |
| State Farm | $410 |
| Travelers | $415 |
| Automobile Club MI (AAA) | $461 |
| Progressive | $536 |
| Allstate | $640 |
| USAA* | $482 |
Note: USAA is only available to military community members and their families.
Cheapest Illinois insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Illinois’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Erie Insurance | $360 |
| Auto-Owners | $365 |
| Country Financial | $366 |
| GEICO | $372 |
| Automobile Club MI (AAA) | $450 |
| Travelers | $468 |
| State Farm | $482 |
| Progressive | $588 |
| Allstate | $724 |
| USAA* | $543 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Illinois
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Illinois, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full coverage annual rates |
|---|---|
| Automobile Club MI (AAA) | $979 |
| Travelers | $1,119 |
| GEICO | $1,178 |
| Progressive | $1,412 |
| Auto-Owners | $1,426 |
| Erie Insurance | $1,489 |
| Country Financial | $1,609 |
| State Farm | $1,633 |
| Allstate | $2,742 |
| USAA* | $1,745 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest auto insurance in Illinois by driving history
Your driving history impacts insurance premiums in Illinois, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Illinois, drivers with a history of traffic violation pay an average of $673 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance in Illinois after a speeding ticket
If you have a speeding ticket on your Illinois driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,236 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,131 | $1,236 | 9% | $105 |
| Nationwide | $987 | $1,279 | 30% | $292 |
| Erie Insurance | $1,224 | $1,354 | 11% | $130 |
| GEICO | $787 | $1,403 | 78% | $616 |
| Auto-Owners | $1,061 | $1,493 | 41% | $432 |
| American Family | $1,171 | $1,555 | 33% | $384 |
| Travelers | $1,112 | $1,601 | 44% | $489 |
| Mercury Insurance | $1,163 | $1,623 | 40% | $460 |
| Progressive | $1,381 | $1,910 | 38% | $529 |
| Farmers | $1,486 | $2,053 | 38% | $568 |
| Auto Club Enterprises (AAA) | $1,791 | $2,615 | 46% | $825 |
| Allstate | $2,261 | $3,024 | 34% | $763 |
| Automobile Club of MI (AAA) | $2,473 | $3,970 | 61% | $1,497 |
| USAA* | $1,269 | $1,599 | 26% | $330 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Illinois
CarInsurance.com analyzed insurance rates for Illinois drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,236. American Family is the second-cheapest insurer at an average of $1,555 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 43% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,131 | $1,236 | 9% | $105 |
| American Family | $1,171 | $1,555 | 33% | $384 |
| Mercury Insurance | $1,163 | $1,556 | 34% | $393 |
| Progressive | $1,381 | $1,589 | 15% | $209 |
| Travelers | $1,112 | $1,756 | 58% | $643 |
| GEICO | $787 | $1,756 | 123% | $970 |
| Nationwide | $987 | $1,920 | 95% | $933 |
| Erie Insurance | $1,224 | $1,985 | 62% | $761 |
| Auto-Owners | $1,061 | $2,042 | 92% | $981 |
| Farmers | $1,486 | $2,136 | 44% | $650 |
| Auto Club Enterprises (AAA) | $1,791 | $3,319 | 85% | $1,528 |
| Allstate | $2,261 | $3,629 | 61% | $1,368 |
| Automobile Club of MI (AAA) | $2,473 | $7,251 | 193% | $4,777 |
| USAA* | $1,269 | $2,637 | 108% | $1,368 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Illinois after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is American Family, at $1,232 a year.
On the other hand, State Farm offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,342.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| American Family | $1,171 | $1,232 | 5% | $61 |
| State Farm | $1,131 | $1,342 | 19% | $211 |
| GEICO | $787 | $1,347 | 71% | $561 |
| Auto-Owners | $1,061 | $1,359 | 28% | $298 |
| Nationwide | $987 | $1,496 | 52% | $509 |
| Travelers | $1,112 | $1,622 | 46% | $509 |
| Erie Insurance | $1,224 | $1,670 | 36% | $445 |
| Progressive | $1,381 | $2,107 | 53% | $727 |
| Farmers | $1,486 | $2,261 | 52% | $775 |
| Mercury Insurance | $1,163 | $2,315 | 99% | $1,152 |
| Auto Club Enterprises (AAA) | $1,791 | $2,742 | 53% | $952 |
| Automobile Club of MI (AAA) | $2,473 | $3,812 | 54% | $1,339 |
| Allstate | $2,261 | $4,268 | 89% | $2,007 |
| USAA* | $1,269 | $1,888 | 49% | $619 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Illinois cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Bloomington is the city with the lowest premiums in Illinois at an annual auto insurance rate of $1,331.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Illinois cities with the lowest car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Bloomington | $1,331 |
| Towanda | $1,336 |
| Chenoa | $1,336 |
| Gridley | $1,342 |
| Hudson | $1,343 |
| Fairbury | $1,352 |
| Rock Falls | $1,353 |
| Pontiac | $1,354 |
| Sterling | $1,354 |
| Normal | $1,356 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in Illinois?
By comparing car insurance quotes, you can save an average of 36% per year for a full coverage policy in Illinois.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Illinois: Save on premiums
Car insurance discounts in Illinois can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Illinois.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount type | % difference | $ difference |
|---|---|---|
| Anti-theft device | 1% | $21 |
| Daily commute | 6% | $98 |
| Days advanced purchase | 11% | $254 |
| Days per week driven | 3% | $47 |
| Education | 3% | $59 |
| Electronic funds transfer | 4% | $105 |
| Electronic signature | 10% | $169 |
| Homeowner | 6% | $105 |
| Lower annual mileage | 6% | $97 |
| Loyalty – years renewal with company | 8% | $171 |
| Marital status | 9% | $200 |
| Multi policy | 9% | $177 |
| Paperless/electornic documents | 3% | $77 |
| Payment type | 9% | $171 |
| Primary use | 8% | $133 |
| Profession | 9% | $169 |
| Safety devices | 3% | $84 |
| Telematics | 11% | $225 |
| Years insured | 19% | $556 |
| Years licensed | 25% | $886 |
Final thoughts on cheap car insurance in Illinois
Our research shows that Automobile Club MI (AAA) has the cheapest full coverage car insurance rates in Illinois for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Illinois, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Illinois for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/20.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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