Auto-Owners, Travelers, Erie Insurance and Country Financial are the best car insurance companies in Illinois. CarInsurance.com evaluated the companies’ annual car insurance rates, financial strength ratings and customer satisfaction ratings to curate a list of the Best Car Insurance Companies in Illinois in 2024.
Use our guide to find the right insurance company for your needs and budget. Navigate your insurance options in Illinois with confidence to choose the best car insurance company.
Our take
Auto-Owners is the top choice for car insurance in Illinois. Its high financial rating of A++ from AM Best and competitive rates make it an excellent option for affordable and comprehensive coverage.
Auto-Owners’s average car insurance cost is $1,426 a year. It has a J.D. Power score of 833/1,000 and an overall rating of 3.74 out of 5.
CarInsurance.com found that Automobile Club MI (AAA) offers the lowest average car insurance premiums at $979 per year.
Check out our experts recommendations for the best car insurance coverage
What are the best car insurance companies in Illinois?
Illinois drivers have various top-rated car insurance companies to choose from. Whether you seek the best overall experience, the most affordable rates or exceptional customer service, there’s an insurer that fits your needs.
Here’s a breakdown of the best auto insurance companies in Illinois by category.
| Category | Company |
|---|---|
| Best overall | Auto-Owners |
| Most affordable | Automobile Club MI (AAA) |
| Highest customer satisfaction | Erie Insurance |
| Best for teen | Auto-Owners |
| Best for young adults | Auto-Owners |
| Best for adults | Auto-Owners |
| Best for seniors | Auto-Owners |
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Compare the best auto insurance companies in Illinois
Comparing car insurance companies in Illinois is important because it helps you find the best coverage at the most affordable price. Insurance companies offer different rates and benefits, so by shopping around, you can choose a policy that fits your needs and budget.
To assist you, we’ve thoroughly reviewed the top insurers in the state. Find below the list of the best auto insurance providers in Illinois.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Auto-Owners | $1,426 | A++ | 833 | 0.50 | 3.74 |
| Travelers | $1,119 | A++ | 806 | 0.49 | 3.56 |
| Erie Insurance | $1,489 | A+ | 844 | 0.61 | 3.54 |
| Country Financial | $1,609 | A+ | 828 | 0.34 | 3.54 |
| Geico | $1,178 | A++ | 831 | 0.91 | 3.31 |
| State Farm | $1,633 | A++ | 837 | 0.70 | 3.25 |
| Progressive | $1,412 | A+ | 816 | 0.65 | 3.15 |
| Automobile Club MI (AAA) | $979 | A | 786 | 0.77 | 2.84 |
| Allstate | $2,742 | A+ | 822 | 0.65 | 2.50 |
Best car insurance companies by age group in Illinois
As you age, your driving habits and insurance needs change, influencing your car insurance rates and the type of coverage you require. The best insurer for a teen is likely not the best choice for a senior, as each age group has unique needs and priorities when it comes to auto insurance.
Teenagers, viewed as high-risk due to their inexperience, often benefit from policies with extensive coverage options, digital tools and discounts for good grades and safe driving habits. Seniors, on the other hand, might prioritize higher liability limits and prefer personalized customer service.
Additionally, while teen drivers’ insurance needs change rapidly as they gain experience, seniors typically focus on maintaining comprehensive coverage as they age. Thus, the best insurer for one may not meet the unique requirements of the other.
Select your age group and coverage level below to see the list of best car insurance companies and their annual average rates.
| Company | Annual rates | Customer satisfaction rating |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
Check out our detailed guide on average car insurance rates by age group
Best for teen drivers in Illinois
Teen drivers often face higher insurance premiums because of their increased risk and limited driving experience. According to the Centers for Disease Control and Prevention, teen drivers are more prone to misjudging or failing to notice risky situations compared to older drivers.
They are also more likely to make serious mistakes that can result in major accidents. In 2022, a report from the Insurance Institute for Highway Safety revealed that 2,883 teenagers aged 13 to 19 lost their lives in car accidents.
Auto-Owners is an excellent choice for teen drivers looking to save on premiums. It offers car insurance at $3,536 annually.
To find the best car insurance companies for teen drivers, we considered various parameters to ensure a detailed analysis. Each company’s score is based on a weighted analysis of four key factors:
- The average annual full-coverage car insurance cost (25%)
- J.D. Power score (30%)
- AM Best rating (25%)
- NAIC rating (20%)
Each factor is assigned a certain percentage weight based on the companies’ performance in each category.
According to our analysis, these are the top picks for teens aged 16-19 in Illinois:
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Auto-Owners | $3,536 | A++ | 833 | 0.5 | 3.91 |
| Erie Insurance | $3,235 | A+ | 844 | 0.61 | 3.79 |
| Country Financial | $3,624 | A+ | 828 | 0.34 | 3.79 |
| Travelers | $4,477 | A++ | 806 | 0.49 | 3.41 |
| State Farm | $4,741 | A++ | 837 | 0.7 | 3.3 |
| Geico | $4,490 | A++ | 831 | 0.91 | 3.18 |
| Progressive | $4,725 | A+ | 816 | 0.65 | 3.1 |
| Automobile Club MI (AAA) | $3,507 | A | 786 | 0.77 | 2.8 |
| Allstate | $8,196 | A+ | 822 | 0.65 | 2.5 |
Best for young adults in Illinois
Young drivers must find the right insurance company, as they usually encounter higher premiums due to their perceived risk. According to an analysis by the National Safety Council, drivers aged 20 to 24 were involved in 7,300 fatal crashes in 2022, which accounts for 11.2% of the total number of drivers involved in these incidents.
Companies such as Auto-Owners and Country Financial offer more affordable rates for drivers aged 20-24.
To determine the best car insurance companies for young adults in 2024, we analyzed four key factors: average annual full coverage cost (25%), J.D. Power score (30%), AM Best rating (25%) and NAIC rating (20%). Each factor was given a specific percentage weight to calculate the overall performance.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Auto-Owners | $2,320 | A++ | 833 | 0.50 | 3.74 |
| Country Financial | $2,294 | A+ | 828 | 0.34 | 3.64 |
| Travelers | $1,783 | A++ | 806 | 0.49 | 3.59 |
| Erie Insurance | $2,435 | A+ | 844 | 0.61 | 3.52 |
| Geico | $1,917 | A++ | 831 | 0.91 | 3.32 |
| State Farm | $2,744 | A++ | 837 | 0.70 | 3.19 |
| Progressive | $2,338 | A+ | 816 | 0.65 | 3.13 |
| Automobile Club MI (AAA) | $1,670 | A | 786 | 0.77 | 2.84 |
| Allstate | $4,162 | A+ | 822 | 0.65 | 2.50 |
Best for adult drivers in Illinois
Different age groups have varying needs and priorities when it comes to car insurance. The key considerations for adult drivers aged 25 to 60 are coverage options, better customer service and premium costs.
In Illinois, Auto-Owners stands out as the best car insurance provider for adult drivers. It offers full coverage at an average annual cost of $1,438 and boasts the highest overall rating of 3.74 among the companies analyzed.
We have considered four different factors to curate a list of the best car insurance companies for adult drivers. These factors consist of average annual full coverage car insurance cost (25%), J.D. Power score (30%), AM Best rating (25%) and NAIC rating (20%).
Experienced drivers are usually seen as less risky than younger drivers because of their experience behind the wheel. This often results in lower insurance premiums for drivers aged 25-60.
The table below shows the list of the best car insurance companies for Illinois drivers aged 25-60 and their annual insurance rates.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Auto-Owners | $1,438 | A++ | 833 | 0.50 | 3.74 |
| Travelers | $1,143 | A++ | 806 | 0.49 | 3.55 |
| Country Financial | $1,628 | A+ | 828 | 0.34 | 3.54 |
| Erie Insurance | $1,510 | A+ | 844 | 0.61 | 3.53 |
| Geico | $1,212 | A++ | 831 | 0.91 | 3.29 |
| State Farm | $1,640 | A++ | 837 | 0.70 | 3.25 |
| Progressive | $1,435 | A+ | 816 | 0.65 | 3.14 |
| Automobile Club MI (AAA) | $983 | A | 786 | 0.77 | 2.84 |
| Allstate | $2,762 | A+ | 822 | 0.65 | 2.50 |
Best for senior drivers in Illinois
Auto-Owners offers the lowest car insurance premiums at $1,397 a year, making it an affordable choice for senior drivers.
Finding the best car insurance companies for senior drivers requires a detailed analysis of various important factors. The overall score for each insurer is based on a weighted analysis of four different factors: the average annual full-coverage car insurance cost (25%), J.D. Power score (30%), AM Best rating (25%), and NAIC rating (20%). The percentage weight assigned to each factor corresponds to its importance in determining an insurance provider’s financial strength, affordability, customer experience and complaint ratio.
Below are the best auto insurance companies in Illinois for senior drivers aged 65-75.
| Company | Monthly cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Auto-Owners | $116 | A++ | 833 | 0.50 | 3.77 |
| Country Financial | $123 | A+ | 828 | 0.34 | 3.62 |
| Travelers | $96 | A++ | 806 | 0.49 | 3.56 |
| Erie Insurance | $133 | A+ | 844 | 0.61 | 3.50 |
| Geico | $86 | A++ | 831 | 0.91 | 3.39 |
| State Farm | $129 | A++ | 837 | 0.70 | 3.30 |
| Progressive | $122 | A+ | 816 | 0.65 | 3.14 |
| Automobile Club MI (AAA) | $83 | A | 786 | 0.77 | 2.84 |
| Allstate | $234 | A+ | 822 | 0.65 | 2.50 |
Learn more about how to shop for car insurance for seniors
Best overall car insurance company in state
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The right insurance company for you is significantly influenced by your driver profile. Here’s how to choose the right insurer based on your specific needs:
For budget-conscious drivers in Illinois
Look for companies that offer various car insurance discounts, such as safe driver discounts, multi-policy discounts, or discounts for automatic payments. These can significantly reduce your premiums. Some insurers offer flexible payment plans that can ease the financial burden, such as monthly, quarterly or bi-annual payments.
Find below the list of the best insurance companies and their annual rates for different coverage levels.
| Company | State-minimum | Liability-only | Full coverage |
|---|---|---|---|
| Auto Club Group – ACG (AAA) | $461 | $450 | $979 |
| Travelers | $415 | $468 | $1,119 |
| Geico | $298 | $372 | $1,178 |
| Progressive | $536 | $588 | $1,412 |
| Auto-Owners | $318 | $365 | $1,426 |
| Erie Insurance | $320 | $360 | $1,489 |
| Country Financial | $341 | $366 | $1,609 |
| State Farm | $410 | $482 | $1,633 |
| Allstate | $640 | $724 | $2,742 |
| USAA | $482 | $543 | $1,745 |
Notes:
- Full coverage car insurance limit is 100/300/100 with a $500 deductible.
- Liability-only car insurance limit is 50/100/50.
- State minimum car insurance is 25/50/20.
For high-risk drivers in Illinois
If you’re a high-risk driver or someone with multiple traffic violations or DUIs on their record, look for insurers that specialize in high-risk policies. Focus on improving your driving record by attending a defensive driving course. These steps can help reduce your rates over time.
High-risk status isn’t permanent. As your driving record improves and your risk profile changes, regularly compare insurance rates and options.
| Company | 6-month cost | Annual cost |
|---|---|---|
| Auto Club Group – ACG (AAA) | $697 | $1,393 |
| Travelers | $825 | $1,650 |
| Progressive | $1,049 | $2,098 |
| Erie Insurance | $1,051 | $2,101 |
| Geico | $1,100 | $2,199 |
| Auto-Owners | $1,158 | $2,315 |
| State Farm | $1,229 | $2,457 |
| Allstate | $2,161 | $4,322 |
| USAA | $1,280 | $2,559 |
By understanding their unique driver profiles and conducting thorough research, high-risk drivers can find insurance companies that best meet their needs.
In conversation with experts
CarInsurance.com editors interviewed James Brau, Joel C. Peterson, professor of finance at Brigham Young University. See his responses below.
How important is customer service when deciding the right car insurance company?
Customer service is critical – it should be one of the top factors consumers consider. All else equal, meaning similar premiums, coverage, riders, etc., customer service is often the deciding factor. If a customer gets to speak to a cheerful human without 10 minutes of robot phone trees, especially when stressed out after a wreck or theft, it makes life a lot better.
What are the key factors that consumers should consider when selecting a car insurance company in their state?
Customers should do research pertaining to coverage, premiums, reputation, how many stars on reviews, etc. Make sure to compare apples to apples – that you’re getting the same coverage amounts, for example. Shop around – competition helps the consumer.
How often should policyholders review and adjust their car insurance policies?
Every six months is a good rule of thumb because most people pay in semi-annual installments. If you keep your company on its toes, they are more likely to stay competitive and offer special pricing, deals, incentives, etc.
Frequently asked questions
What is the average cost of car insurance in Illinois?
The average annual cost of car insurance in Illinois is $1,532. This rate can vary depending on factors such as the driver’s age, driving history and coverage limits
How much car insurance coverage do I need in Illinois?
When assessing your car insurance needs in Illinois, consider the state’s legal requirements. Typically, the minimum coverage required in Illinois consists of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 in property damage liability.
If you have valuable assets to safeguard, it’s wise to go beyond Illinois’s minimum requirements and opt for higher liability limits. Experts suggest getting full coverage car insurance with limits of 100/300/100 and a $500 deductible for collision/comprehensive.
Here’s what it means:
- $100,000 in bodily injury liability per person pays for injuries you cause to others in an accident.
- $300,000 in bodily injury liability per accident will cover injuries per accident, covering costs if multiple people are injured.
- $100,000 in property damage liability per accident covers damage you cause to another driver’s property in an at-fault accident.
Opting for higher limits is advisable as they provide increased protection against financial losses. When choosing coverage limits, also take into account your driving habits, the value of your vehicle and your finances.
Which company has the best car insurance rates in Illinois?
CarInsurance.com’s analysis shows that Auto Club Group – ACG (AAA) offers the lowest car insurance rates for Illinois drivers, with an average premium of $82 per month or $979 per year.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Fatality Facts 2022 Teenagers.” Accessed September 2024.
- Centers for Disease Control and Prevention. “Risk Factors for Teen Drivers.” Accessed September 2024.
- National Safety Council. “Age of Driver.” Accessed September 2024.
Methodology
CarInsurance.com collected insurance rate data from Quadrant Information Services for Illinois drivers. The rate data is for drivers of different age groups:
- Teens: Age 16-19
- Young adults: Age 20-24
- Adults: 25- 60
- Seniors: 60-75
The different coverage levels include:
- Annual full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- A six-month car insurance policy with limits of 100/300/100-500 coll/comp deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/20.
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old male and female driver with the following incidents applied:
- 1 at-fault property damage accident over $2K
- 1 at-fault property damage accident under $2K
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
- Speeding 30+ over limit
- Speeding ticket 1-10 mph over limit
- Speeding ticket 11-29 mph over limit
The editors created a rating system to determine the best insurance companies in each sector. For auto insurers, we took the following and gave each a weight.
- Average annual cost: 25%
- J.D. Power score: 30%
- AM Best rating: 25%
Each insurer was awarded an overall rating of 0.5 to 5. No insurer in our overall rating received less than 1 rating and 5 was the most any insurer could receive.
To evaluate the rates, we have compared 51,088,003 insurance quotes from 167 national & regional insurance companies across 29,152 cities and 34,588 ZIP codes.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Illinois