Best and Cheapest Car Insurance in Illinois for 2024 (Find Savings With These 10 Companies!)

Geico, USAA, and State Farm have the best and cheapest car insurance in Illinois.

Geico takes our top spot for the cheapest Illinois car insurance, with rates starting at $18 per month. Federal employees may be able to get even lower costs by taking advantage of Geico’s government discount.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$18	A++	Cheap Rates	Geico
	#2	$24	A++	Military Savings	USAA
	#3	$25	B	Local Agents	State Farm
	#4	$29	A	Diverse Coverage	Liberty Mutual
	#5	$33	A++	Discount Options	Travelers
	#6	$34	A+	Tight Budgets	Progressive
	#7	$35	A+	Commercial Insurance	Nationwide
	#8	$43	A	Customer Service	American Family
	#9	$45	A	Available Discounts	Farmers
	#10	$67	A+	Drivewise Program	Allstate

Read on to learn more about the average car insurance cost in Illinois, how much coverage you need, and which are the best car insurance companies in Illinois coverage. Then, enter your ZIP to find rates in your area today.

What You Should Know

• Illinois drivers can get cheap coverage by comparing quotes and finding discounts
• Save on your insurance by lowering your coverage or raising your deductible
• Geico and USAA have the cheapest Illinois car insurance

On this page:

• Who offers the best cheap teen car insurance rates in Illinois?
• Who offers the best cheap car insurance rates for a married couple in Illinois?
• Who offers the best senior car insurance rates in Illinois?
• 10 Cheapest areas in Illinois for car insurance
• 10 Most expensive areas in Illinois for car insurance
• Minimum car insurance coverage and limits in Illinois

#1 – Geico: Top Pick Overall

Pros

• Competitive Pricing: Geico often offers some of the cheapest auto insurance in Illinois. See Geico rates in your area in our car insurance review of Geico.
• User-Friendly Digital Tools: The best car insurance in Illinois wouldn’t be complete without robust digital tools to manage your policy. Geico offers user-friendly online management tools.
• Wide Range of Discounts: With Geico’s numerous discounts, finding affordable car insurance quotes in Illinois is easy.

Cons

• Limited Local Agents: Geico maintains fewer physical locations for in-person assistance, instead focusing its efforts on its digital experience.
• Potential Rate Increases: Your rates will always increase after traffic violations or accidents, but they can increase significantly at Geico.

#2 – USAA: Best for Military Families

Pros

• Competitive Rates: When you need cheap car insurance in Illinois, USAA is usually the most affordable option.
• Outstanding Customer Service: USAA sets itself apart as one of the best car insurance companies in Illinois with its high satisfaction ratings in Illinois.
• Military Discounts: True to its commitment to help military members find cheap auto insurance in Illinois, USAA offers a variety of service-friendly discounts.

Cons

• Eligibility Restrictions: USAA is only available to military members, veterans, and their families. See if you qualify in our USAA car insurance review.
• Limited Local Presence: There are fewer USAA offices in Illinois for providing in-person support.

#3 – State Farm: Best for Personalized Service

Pros

• Local Agents: State Farm maintains a strong network of local agents offering personalized service and support to all Illinois drivers.
• Safe Driving Discounts: Safe drivers can increase their savings with State Farm’s multiple discounts for good driving habits and safety features in their cars. See how much you can save in our State Farm car insurance review.
• Comprehensive Coverage Options: Get the best Illinois auto insurance quotes by picking add-ons from State Farm’s coverage selection.

Cons

• Higher Premiums: Although it often offers quotes well below the average cost of car insurance in Illinois, some drivers will see expensive State Farm rates.
• Limited Discount Availability: State Farm only offers 13 discounts, making it a little harder to find affordable car insurance in Illinois.

#4 – Liberty Mutual: Best for Extensive Policy Customization Options

Pros

• Customizable Policies: Liberty Mutual offers a long list of coverage options so you can get a policy that perfectly matches your needs. Explore your coverage options in our Liberty Mutual car insurance review.
• RightTrack: Save up to 30% on your car insurance in Illinois by enrolling in the usage-based insurance (UBI) program RightTrack.
• Financial Ratings: Liberty Mutual receives excellent ratings for its financial stability, meaning you don’t have to worry about your claims going unpaid.

Cons

• Mixed Customer Service Reviews: Despite being one of the best car insurance companies in Illinois, Liberty Mutual has inconsistent service quality reported by customers.
• Discount Availability: Some Liberty Mutual discounts can be hard to qualify for, while others require verification before they apply to your account.

#5 – Travelers: Best for Superb Claims Handling

Pros

• Personalized Service: Drivers looking for a personal touch to their car insurance will benefit from Travelers’ large network of representatives working throughout Illinois.
• High Claims Satisfaction: The majority of Travelers’ customers report satisfaction with how their claims were resolved. See how the claims process works in our Travelers car insurance review.
• Wide Range of Discounts: With 17 discounts available, Travelers offers drivers plenty of ways to get the cheapest car insurance in Illinois possible.

Cons

• Higher Rates for High-Risk Drivers: A policy from Travelers can be more expensive for drivers with violations or accidents.
• Limited Online Tools: Some customers find the Travelers digital experience less user-friendly.

#6 – Progressive: Best for Illinois Drivers on a Budget

Pros

• Budget-Friendly Rates: Progressive makes it easy to stick to a budget with low rates and tools like Name Your Price. Explore ways to stick to your budget in our Progressive car insurance review.
• Snapshot: Progressive offers safe drivers savings of up to 30% by participating in the UBI program, Snapshot.
• Excellent Add-Ons: Customize your policy with Progressive’s coverage options, including things like roadside assistance or rental car reimbursement.

Cons

• Mixed Reviews on Claims: Some drivers are perfectly content with how their Progressive claims were resolved, while others report being unsatisfied.
• Rates Increase Unexpectedly: Some Progressive customers report that their premiums increased unexpectedly and unfairly.

#7 – Nationwide: Best for UBI Savings

Pros

• Vanishing Deductible: Nationwide helps drivers get the cheapest Illinois car insurance possible by reducing the deductibles of safe drivers.
• SmartMiles and SmartRide: Nationwide offers to UBI plans – SmartRide and SmartMiles.See which is the right choice for you in our Nationwide car insurance review.
• Comprehensive Insurance Options: Nationwide offers a wide range of coverages available for Illinois drivers.

Cons

• Fewer Discounts: With only 11 discount options, finding cheap insurance in Illinois is a little more difficult with Nationwide.
• Limited Digital Experience: Reviews for Nationwide’s online tools and mobile app features don’t compare to some of its competitors.

#8 – American Family: Best for Costco Members

Pros

• Costco Policies: Costco offers some of the cheapest insurance in Illinois, and American Family underwrites the policies. Read more about Costco policies in our American Family car insurance review.
• Unique Discounts: American Family offers unique discounts, such as those for young drivers and keeping your policy for multiple years.
• Strong Customer Satisfaction Ratings: American Family receives positive reviews for its service and claims handling.

Cons

• Higher Rates: While American Family belongs in the top 10 car insurance companies in Illinois, it can be more expensive, particularly for high-risk drivers.
• Lacking Digital Tools: American Family’s mobile app does not impress drivers looking for a digital experience.

#9 – Farmers: Best for Generous Discount Options

Pros

• Generous Discounts: Farmers offers 23 discounts, which makes it much easier to find the cheapest Illinois auto insurance. Explore every one of those 23 discounts in our Farmers car insurance review.
• Flexible Payment Plans: Famers offers multiple payment options to accommodate different financial situations.
• Extensive Coverage Options: Get access to a wide range of coverage options tailored to Illinois drivers when you shop at Farmers.

Cons

• Higher Average Premiums: You may not find the cheapest Illinois car insurance at Farmers, but this provider is rarely the most expensive choice either.
• Mixed Customer Service Reviews: Farmers can help you find the cheapest Illinois car insurance, but it struggles with its customer service ratings.

#10 – Allstate: Best for Teen Driver Policies

Pros

• Teen Driver Insurance: Allstate provides a variety of ways to help teens and their families find affordable coverage. Learn more in our Allstate car insurance review.
• Extensive Network of Local Agents: One of the keys to Allstate’s position in the top car insurance companies in Illinois is that you can get help from a local agent easily.
• Comprehensive Coverage Options: Allstate provides a range of coverage choices, which especially benefits drivers looking for full coverage policies.

Cons

• Expensive Coverage: No matter how clean your driving record is, Allstate is almost always one of the most expensive car insurance options.
• Discount Limitations: While Allstate offers a few good discount options, they’re usually not enough to bring rates low enough to be competitive.

Illinois Car Insurance Rates

Car insurance in Indiana is generally affordable. Take a look below to see how much you might pay for your Indiana car insurance.

While these average rates are fairly low, there are plenty of ways to save even more. A convenient place to begin your search for cheap insurance is to look at discounts. We’ve compiled a list of our top companies’ most popular discounts.

Other top ways customers have saved on their car insurance is by doing things like lowering their coverage or raising their deductible. When you’re in the market for cheap coverage, however, the best thing you can do is compare quotes from multiple companies.

Most insurance companies have quote request forms on their website’s homepage. Filling them out requires some basic information and about 15 minutes.

Since comparing multiple quotes is integral to finding cheap insurance in Illinois, you should consider using a quote-generating tool to save time and see multiple prices at once.

Illinois Auto Insurance Rates by Marital Status

Geico offers the best car insurance companies for married couples in Illinois. The table below displays average Illinois car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years for a fairly clean driving record, and they both have a good credit score. Poor credit can raise rates substantially. The rates displayed should only be used for comparative purposes as individual rates in Illinois will differ. Rate data is provided by Quadrant Information Services.

Illinois Auto Insurance Rates for Older Drivers

Geico provides the best car insurance companies for senior drivers in Illinois. Below you can see average Illinois car insurance rates for male and female senior drivers for the five largest companies in the state.

Company	Female senior rates	Male senior rates
Allstate Insurance	$1,302	$1,302
Country Financial	$857	$873
Farmers Insurance Group	$841	$924
Geico	$616	$669
State Farm Insurance Company	$728	$728

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. A clean driving record plays a large role in these rates. Even with one or two marks, though, the average rate for seniors is generally pretty reasonable. The rates displayed should only be used for comparative purposes as individual rates in Illinois will differ. Rate data is provided by Quadrant Information Services.

How Your ZIP Code Affects Your Rates

While car insurance rates vary based on your age, gender, and marital status, there are many other factors that help determine your rates including the area you live in. Car insurance rates in Illinois vary by the area you live in because rates are based on factors specific to your area. That's why it's so important to compare rates with multiple companies - what good would it be to find low rates if you don't choose one of the car insurance companies that customers recommend.

That includes accident and car insurance claim frequency in your area as well as your area's crime rate. It could also take into account if you have a garage to park in. In the table below, you can see the top 10 cheapest areas in Illinois for car insurance based on average rates for single adults.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Illinois will differ. Rate data is provided by Quadrant Information Services.

Choosing the Right Amount of Illinois Insurance

Illinois requires all drivers to have two types of auto insurance coverage: liability and uninsured motorist. Illinois drivers also have the option to purchase collision and comprehensive coverage. The lowest rates based on minimum coverage leave you uncovered for your own damages after an accident. So if you don't want collision coverage or comprehensive coverage, you may want to consider saving more money for a rainy day.

The minimum coverage limits in Illinois are listed below. While purchasing the minimum coverage will make you a legal driver, it's still important to also consider purchasing higher limits to ensure you have enough protection in the event of a lawsuit. You can learn more about different car insurance coverage types and what the limits mean here.

Illinois state minimum requirements:

Liability:

• Bodily injury — $25,000 per person
• Bodily injury — $50,000 per accident
• Property damage — $20,000 per accident

Bodily injury caused by an uninsured motorist:

• $25,000 per person
• $50,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle's driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else's property in a car accident. Most commonly this is the other vehicle, but also could be things like a home or fence.

The required uninsured motorist coverage in Illinois is only for bodily injury. This coverage protects you in the event you are injured in a car accident caused by a driver who either doesn't have insurance or not enough insurance. Uninsured motorist property damage, which would cover your vehicle in the event it was damaged by an uninsured driver, is optional.

Illinois is particularly interested in catching drivers who lack car insurance, as it sends out random questionnaires throughout the year. Drivers must respond with the name of their insurance company and policy number. Drivers who are found to not have car insurance will have their license plate suspended.

Despite its policies set in place, according to 2015 data from the Insurance Information Institute, 13.7 percent of Illinois drivers are uninsured, which is the 18th highest percentage in the country.

How to Compare Illinois Car Insurance Rates

When you're shopping for auto insurance policies, you can get quotes from different companies, and with different policy limits and coverage types. You could compare minimum auto insurance with policies that have collision insurance and more. You could compare the impacts of different deductibles, property damage coverage amounts, and much more.

This is the best way to make sure your insurance coverage makes sense for you. Sometimes paying a little more to avoid greater liability per accident is the right move. If you're ready, you can read our ultimate guide to switching car insurance companies to save money to save money to figure out how much you might pay.

How Car Insurance Rates are Calculated in Illinois

When searching and comparing quotes from the best auto insurance companies in Illinois, it can be frustrating trying to understand how your insurance rates are calculated. This can sometimes lead to a bad customer experience, if an insurer isn't being upfront with how they select their offered rates for drivers.

While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

• Your driving record
• How much you drive
• Location
• Age
• Marital status
• Gender
• Your car’s make, model and year
• Your credit history
• Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

There are certain things that are mentioned above that a person can control, though it would be impossible to ask someone to change their age in order to get a lower annual premium. However, altering one's driving habits to become less of a high-risk driver can help lower prices on a coverage policy, and so can working on a low credit score. Learning what a driving record is and what it tracks can also help you save.

That being said, if you have a lot of tickets or you just got your first one, you can lower or maintain your rate by taking defensive driving classes. It depends on the offense on your ticket, but if you show initiative in wanting to amend your driving history, you may be given more affordable rates.

Bundling different policies and cars is also a great way to save on affordable coverage. The cheapest options often involve individualized auto insurance discounts.

How to Save Money on Your Illinois Car Insurance

When it comes down to it, we'd all like to have the best coverage at a cheap, affordable price from one of the best Illinois car insurance companies. We would also love it if that meant we had a full-coverage policy and never had to worry about how much coverage per accident we actually have.

While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium. It's a driver's responsibility to look out for not only themselves, but the other drivers on the road. This is another example of why underinsured motorist coverage exists - we can't ever speak for what other drivers are doing with their finances, so it's better to be prepared for anything.

Here are six ways you may be able to lower your car insurance rates:

• Bundle your car insurance with other policies
• Consider raising your deductibles
• Pay your car insurance policy in full
• Try usage-based car insurance
• Monitor price changes to your policy
• Shop for better insurance rates

How Clearsurance Rates and Ranks Car Insurance Companies

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. You may have to hunt for affordable rates and what companies use to determine their average costs, but you won't have to do any hunting here.

Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

• Price
• Customer Service
• Claim service
• Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

Finally, there is also a confidence factor based upon the number of reviews a company has by product. If the total number of reviews is less than 100, then a confidence deduction is applied to the star rating. The maximum impact of this deduction occurs when there are less than 25 reviews.

Companies with 100 or more reviews, aged two years or less, receive 100% weighting (no deduction), while companies with 50 to 99 customer reviews receive a weighting of 95%, 25 to 49 reviews receive a weighting of 90% and companies with less than 25 reviews a weighting of 85%.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings, making easier than ever to understand why car insurance is so expensive so much and what you can do to combat high prices.

How to Find More Information Online

Whether you're buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.

When it comes to finding a company who will work the best with you, don't just look at the cheapest companies. Compare average prices across the entire market, and don't be afraid to ask for quotes. You may discover more competitive rates if you mention you're shopping around.

Find the Best and Cheapest Car Insurance in Illinois

Whether you want to purchase the least amount of insurance possible or a full coverage policy, comparing quotes from car insurance companies that customers recommend is a great way to find affordable rates.

Now that you have an idea of how much Illinois insurance might cost you, looking at actual rates is the next step. Enter your ZIP code into our free car insurance comparison tool to get started.