You can find the cheapest full-coverage car insurance in Illinois for $82 a month from Automobile Club MI (AAA). It saves you $46 compared to the state average car insurance cost of $128 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.
- Automobile Club MI (AAA) has the cheapest car insurance rates in Illinois for full coverage at $82 a month among the companies analyzed by the team of CarInsurance.com.
- In Illinois, drivers with clean driving records pay 43% less than drivers with a DUI.
- The city of Bloomington has the lowest auto insurance rates in Illinois, with an average premium of $1,331 per year.
- You can save up to 36% per year on your car insurance policy in Illinois by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance 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 includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Illinois by different insurance carriers for a full coverage policy.
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.
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Illinois drivers who pay lower insurance premiums
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 insurers 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).
- 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 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 state minimum coverage in Illinois
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Illinois, you must have at least the following insurance coverage on your car.
| 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 |
|---|---|
| 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 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.
Here are the average annual rates for liability insurance coverage from major carriers in Illinois, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates 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 car insurance companies in Illinois for full coverage
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from 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 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 |
|---|---|
| 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.
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 $673 more annually in Illinois than an individual with a clean driving record.
Cheap car insurance rates 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.
Cheapest car insurance in Illinois after a DUI conviction
State Farm offers the cheapest car insurance to Illinois drivers with a DUI conviction at $1,236 per year and American Family has the second-cheapest insurance premiums at $1,555 a year, based on recent data.
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 rates after an at-fault accident in Illinois
American Family is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,232 .
State Farm is the second most affordable option, providing full-coverage car insurance with 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Illinois
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
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.
Below is a list of cities in Illinois with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on auto insurance in Illinois?
If you compare car insurance quotes, you could enjoy an annual saving of around 36% on a full coverage policy in Illinois.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Illinois: Save on premiums
In Illinois, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Illinois below.
| 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 |
The bottom line 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 know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Illinois is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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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.
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Leslie Kasperowicz
Managing 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.
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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