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.
- 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 in Illinois?
Automobile Club MI (AAA) offers the cheapest car insurance rates in Illinois for a full coverage policy with an average premium of $82 per month or around $979 per year, based on CarInsurance.com’s rate analysis.
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.
Who pays the lowest auto insurance premiums 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 insurers 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
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 |
|---|---|
| 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 insurance providers for liability-only coverage in Illinois
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
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 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 |
|---|---|
| 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
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 $673 more annually in Illinois than an individual with a clean driving record.
Cheap car insurance rates in Illinois after a speeding ticket
A speeding ticket can impact your Illinois car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,236 a 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.
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.
Check out the most affordable insurance options in your neighboring state
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.
The city with the lowest auto insurance rates in Illinois is Bloomington, at $1,331 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your 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 car insurance in Illinois?
By comparing car insurance quotes, you can save an average of 36% 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
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 car insurance in Illinois
Based on our research, if you are a good driver, Automobile Club MI (AAA) is the cheapest in Illinois for a full coverage policy.
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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