Best and Cheapest Car Insurance in Illinois as Rated by Customers in 2023
How do we rank the best Illinois car insurance companies?
Wondering how Clearsurance determines scores for insurance companies to provide this list of the best auto insurance companies in Illinois? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:
- Customer Service
- Overall Experience
- Claim service
- Purchasing experience
- Likelihood to recommend
When you're deciding which Illinois car insurance company to buy a policy from, you want to find one that will provide you with the right coverage but also the best customer service. You want coverage that will meet your needs after an accident, with auto insurance rates that won't break the bank.
You also want a company that will stand by you in your time of need; a great way to discover the backbone of a company is through customer satisfaction ratings.
Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy. Then you can select the best auto insurance in Illinois. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Illinois car insurance companies.
Take these reviews, and the customer satisfaction scores that you find online, and stack them up against what makes these companies the best. Pay attention to financial strength ratings as well - no sense in choosing a company that won't be able to pay your policy limits. If a company doesn't have any sort of financial stability, this will probably be reflected in poor reviews and less than affordable options.
In the table above, you can sort through all the Illinois car insurance companies ranked on Clearsurance. The rating next to each company the insurer's Clearsurance score is based exclusively on the ratings provided by customers.
Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Illinois car insurance rankings.
Interested in learning more about one of these Illinois car insurance companies? You can visit the company's profile page to find out what additional types of coverage they offer, any discounts they offer, and read car insurance reviews to learn from the experiences of other policyholders. This is a great way to ensure your personal financial protection when choosing an insurer.
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
Who offers the best average premium in Illinois?
The best average premium is commonly seen as the lowest price. Whenever you're shopping, we recommend always picking a few companies to get quotes from. Your unique circumstances can change the exact rates even leading to one company being cheaper than you expect. On our site, you just need to put in your zip code to get started.
These estimates are based on sample insured parties within certain age groups. The exact discounts you qualify for and other factors will vary.
For teen drivers in Illinois, Country Financial offers the cheapest car insurance rates out of the five largest car insurers in the state. This is true in our sample quotes whether you want liability car insurance or more extensive coverage.
|Company||Female teen rates||Male teen rates|
|Farmers Insurance Group||$3,673||$3,919|
|State Farm Insurance Company||$980||$1,169|
These rates are based on profiles for 18-year-old male and female drivers in Illinois. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. 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.
Who offers the best cheap car insurance rates for a married couple in Illinois?
GEICO offers the cheapest rates 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.
|Company||Married couple rates|
|Farmers Insurance Group||$1,976|
|State Farm Insurance Company||$1,627|
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.
Do seniors get more affordable car insurance in Illinois?
GEICO provides both male and female senior drivers with the cheapest car insurance rates 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|
|Farmers Insurance Group||$841||$924|
|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 does your address affect your average rate?
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 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.
|Area||Car insurance rates|
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.
What are the most expensive areas to insure in Illinois?
Car insurance in Illinois can be more expensive in some areas of the state than others. This is because car insurance rates are based on factors such as frequency of car accidents, driving behavior and crime rate in your area. The table below displays the top 10 most expensive areas in Illinois for car insurance based on average rates for a single adult.
|Area||Car insurance rates|
|East Saint Louis||$1,884|
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 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.
How much coverage per person do you need in Illinois?
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:
- 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.
Should you compare different insurance quotes in Illinois?
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.
How are car insurance rates 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
- Marital status
- 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.
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.
Are there ways you can save money on your auto policy payments?
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 does Clearsurance rate and rank car insurance companies in Illinois?
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:
- 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.
Is it possible to find more information on auto insurance 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.
Frequently Asked Questions
Who offers the best annual rates for teen drivers in Illinois?
For teen drivers in Illinois, Country Financial offers the cheapest car insurance rates out of the five largest car insurers in the state.
Who offers the most affordable car insurance rates for married drivers in Illinois?
Geico offers the cheapest rates for married couples in Illinois.
Who offers the best rated auto policies for seniors in Illinois?
GEICO provides both male and female senior drivers with the cheapest car insurance rates in Illinois.