- Travelers has the cheapest car insurance rates in Illinois for full coverage at $119 a month among the companies analyzed by the team of CarInsurance.com.
- In Illinois, drivers with clean driving records pay 80% less than drivers with a DUI.
- The city of Champaign has the lowest auto insurance rates in Illinois, with an average premium of $1,660 per year.
- You can save up to 27% per year on your car insurance policy in Illinois by comparing price quotes from multiple insurers.
You can find the cheapest full-coverage car insurance in Illinois for $119 a month from Travelers. It saves you $43 compared to the state average car insurance cost of $162 monthly.
Shopping for car insurance in Illinois can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
Car insurance companies with cheap car insurance in Illinois
Travelers has the cheapest full coverage car insurance in Illinois, at an average premium of $119 per month or around $1,428 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Illinois. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Illinois per month
| Company | Full coverage monthly rates |
|---|---|
| Travelers | $119 |
| GEICO | $127 |
| Auto Club Group (AAA) | $137 |
| Progressive | $142 |
| Nationwide | $158 |
| Auto-Owners | $165 |
| Erie Insurance | $180 |
| Country Financial | $198 |
| Allstate | $238 |
Illinois drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 9% less than single drivers.
- Illinois drivers with clean records pay 80% less than drivers who have a DUI on their record.
- Illinois drivers in their 20s pay 58% lower rates for insurance than a 16-year-old in Illinois.
- Adding a teen to your policy will cost you 32% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 27% less on their insurance premiums.
- Drivers insured for three or more years can save up to 23% 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 5% for this state more on their premiums.
Cheapest companies for different coverage levels in Illinois
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
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).
- Travelers offers the cheapest car insurance for a full coverage policy (100/300/100) in Illinois.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Illinois
In Illinois, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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
The following table lists Illinois’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| Erie Insurance | $400 |
| GEICO | $391 |
| Country Financial | $447 |
| Auto-Owners | $502 |
| Progressive | $519 |
| Travelers | $513 |
| Auto Club Group (AAA) | $548 |
| Allstate | $631 |
| Nationwide | $798 |
Cheapest liability-only coverage in Illinois
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Illinois, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 | $458 |
| GEICO | $498 |
| Auto Club Group (AAA) | $525 |
| Country Financial | $525 |
| Auto-Owners | $531 |
| Travelers | $555 |
| Progressive | $575 |
| Allstate | $711 |
| Nationwide | $848 |
Cheapest full coverage car insurance in Illinois
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Illinois from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| Travelers | $1,428 |
| GEICO | $1,524 |
| Auto Club Group (AAA) | $1,648 |
| Progressive | $1,699 |
| Nationwide | $1,900 |
| Auto-Owners | $1,978 |
| Erie Insurance | $2,156 |
| Country Financial | $2,374 |
| Allstate | $2,851 |
Learn more about who has the cheapest full coverage auto insurance
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Cheapest car insurance in Illinois, by driving history
Your driving history affects how much you pay for insurance in Illinois because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $1,071 more annually in Illinois than an individual with a clean driving record.
Cheap car insurance rates after a speeding ticket in Illinois
If you’ve got a speeding ticket on your Illinois driving record and need affordable car insurance, Travelers might be the answer. With an average annual rate of $2,020 , Travelers offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Illinois.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Travelers | $1,428 | $2,020 | 41% | $592 |
| Auto Club Group (AAA) | $1,648 | $2,272 | 38% | $624 |
| Progressive | $1,699 | $2,363 | 39% | $664 |
| Erie Insurance | $2,156 | $2,383 | 11% | $227 |
| GEICO | $1,524 | $2,836 | 86% | $1,312 |
| Auto-Owners | $1,978 | $3,123 | 58% | $1,145 |
| Country Financial | $2,374 | $3,313 | 40% | $939 |
| Nationwide | $1,900 | $3,433 | 81% | $1,533 |
| Allstate | $2,851 | $3,745 | 31% | $894 |
Cheapest car insurance premiums in Illinois after a DUI conviction
Illinois drivers with a DUI on their record can get the cheapest car insurance from Travelers at an average of $2,193 a year, followed by Progressive with an annual premium of $2,231 annually, based on recent data.
If you have a clean record, you are likely to pay 80% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Travelers | $1,428 | $2,193 | 54% | $765 |
| Progressive | $1,699 | $2,231 | 31% | $532 |
| Auto Club Group (AAA) | $1,648 | $3,358 | 104% | $1,710 |
| Country Financial | $2,374 | $3,455 | 46% | $1,081 |
| GEICO | $1,524 | $3,497 | 129% | $1,973 |
| Auto-Owners | $1,978 | $3,713 | 88% | $1,735 |
| Erie Insurance | $2,156 | $3,955 | 83% | $1,799 |
| Allstate | $2,851 | $4,438 | 56% | $1,587 |
| Nationwide | $1,900 | $4,695 | 147% | $2,795 |
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 Travelers, at $2,071 a year.
On the other hand, Auto Club Group (AAA) offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $2,249 .
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 |
|---|---|---|---|---|
| Travelers | $1,428 | $2,071 | 45% | $643 |
| Auto Club Group (AAA) | $1,648 | $2,249 | 36% | $601 |
| Auto-Owners | $1,978 | $2,505 | 27% | $527 |
| Progressive | $1,699 | $2,752 | 62% | $1,053 |
| GEICO | $1,524 | $2,869 | 88% | $1,345 |
| Erie Insurance | $2,156 | $3,169 | 47% | $1,013 |
| Country Financial | $2,374 | $3,323 | 40% | $949 |
| Nationwide | $1,900 | $3,409 | 79% | $1,509 |
| Allstate | $2,851 | $5,207 | 83% | $2,356 |
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.
Champaign is the city with the lowest premiums in Illinois at an annual auto insurance rate of $1,660.
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 |
|---|---|
| Champaign | $1,660 |
| Naperville | $1,713 |
| Elgin | $1,796 |
| Aurora | $1,798 |
| Peoria | $1,847 |
| Rockford | $1,852 |
| Joliet | $1,863 |
| Springfield | $1,869 |
| Waukegan | $1,884 |
| Chicago | $2,373 |
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 27% 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 |
|---|---|---|
| Air Bags | 4% | $71 |
| Anti-Theft Device | 2% | $39 |
| Comp and Coll Deductibles | 19% | $362 |
| Daily Commute | 5% | $106 |
| Days Advanced Purchase | 9% | $178 |
| Days Per Week Driven | 3% | $64 |
| Education | 2% | $45 |
| Electronic Funds Transfer | 4% | $69 |
| Electronic Signature | 6% | $109 |
| Homeowner | 5% | $103 |
| Lower Annual Mileage | 4% | $84 |
| Loyalty – Years Renewal With Company | 7% | $131 |
| Marital Status | 9% | $165 |
| Multi Policy | 9% | $178 |
| Paperless/Electornic Documents | 2% | $30 |
| Payment Type | 10% | $196 |
| Primary Use | 8% | $150 |
| Profession | 8% | $157 |
| Purhase Status | 11% | $205 |
| Safety Devices | 2% | $47 |
| Student Away At School | 13% | $255 |
| Telematics | 9% | $166 |
| Vehicle Ownership | 2% | $33 |
| Years Insured | 20% | $396 |
| Years Licensed | 27% | $530 |
The bottom line on cheap auto insurance in Illinois
Based on our findings, Travelers provides the cheapest rates for a full coverage policy in Illinois if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Illinois, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates 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.
*USAA is only available to military community members and their families.
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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