The cheapest full coverage car insurance in Illinois is $82 , saving you $46 compared to the average cost of insurance in the state, which is around $128 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Illinois, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
- According to recent data, Automobile Club MI (AAA) offers the cheapest full coverage car insurance in Illinois at $82 per month.
- Illinois drivers with a clean driving record pay 43% less for car insurance than drivers with a DUI.
- In Illinois, the city of Bloomington has the most affordable car insurance rates at $1,331 annually.
- Comparing price quotes from multiple insurers can help you save up to 36% per year on your car insurance policy in Illinois.
Which company offers the cheapest car insurance rates 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 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 |
|---|---|
| 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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Who pays a lower insurance premium in Illinois?
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 companies for different coverage levels in Illinois
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in 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 up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Illinois
Illinois requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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
Below, you’ll see average annual rates for major insurance providers in Illinois, ranked from cheapest to most expensive for state minimum coverage.
| 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.
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 | $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 full coverage 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 |
|---|---|
| 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 car insurance in Illinois by driving history
In Illinois, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Illinois, drivers with a history of traffic violation pay an average of $673 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates after a speeding ticket in Illinois
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 premiums in Illinois after a DUI conviction
CarInsurance.com analyzed insurance rates for Illinois drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,236 . American Family is the second-cheapest insurer at an average of $1,555 per year.
Drivers with clean driving records can expect to pay an average of 43% less than those with a history of DUI.
| 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 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| 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 Which cities in Illinois have the lowest auto insurance rates?
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.
In Illinois, Bloomington stands out as the city with the lowest auto insurance rates, at an average of $1,331 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Illinois with the most affordable car 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 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on auto insurance in Illinois?
Shopping around for car insurance quotes in Illinois can help drivers save 36% annually on full coverage policies.
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
Illinois drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Illinois.
| 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 auto 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 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.
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John McCormick
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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
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.
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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