If you’re a car insurance policyholder in Illinois, you’re probably like drivers across the country who are always on the lookout for ways to save money on premiums.

The 2022 national average for full coverage car insurance is $1,693 a year, according to CarInsurance.com research and the Illinois state average is $1,565 per year.

The good news is that just about anybody can get a discount on their insurance. In Illinois, several auto insurance discounts are available that can help reduce your costs by as much as 10% annually – saving you hundreds.

Key Highlights
  • Most car insurance companies offer a 3% discount to drivers in Illinois for completing a defensive driving course.
  • Illinois drivers can get a multi-policy discount of 9% for purchasing two or more insurance policies from the same company.
  • Allstate and Progressive offer the most car insurance discounts to drivers among the carriers analysed in Illinois.
  • You can get a 3% discount on car insurance rates in Illinois for installing safety devices such as airbags and anti-lock brakes in your vehicle.

Common car insurance discounts in Illinois that can maximize your savings

While actual savings will vary depending on your insurance company, driver profile, and other factors, you may qualify for multiple discounts that will significantly lower your car insurance premiums.

What follows are the most common car insurance discounts available when shopping for insurance in Illinois. If you’re looking to save money on your auto policy, make sure you ask about these discounts.

Discount TypePotential Annual Savings
Daily Commute6%
Good Student15%
Low Annual Mileage6%
Safety Devices3%
Years Insured14%

How much can you save with discounts in Illinois?

As seen in the table above, you can get a 3% discount on car insurance rates if you install safety devices in your vehicle. And most insurance companies offer various discounts, including 15% for students with good grades, 3% for completing an approved defensive driving course, and many others including paying in full, owning a new car, or getting married.

Occupational discounts

One of the more interesting discounts is those based on profession. If you’re a doctor or nurse, you might qualify for a car insurance discount. And there are many other occupational discounts, for example, some insurance companies offer discounts for teachers or firefighters. This is because insurers consider these professionals less risky to insure

On average, drivers in these professions can get as much as a 10% discount on their car insurance cost in Illinois. 

Here are some of the occupations that score auto insurance discounts:-

  • Scientist
  • Engineer
  • Lawyer
  • Teacher
  • Doctor
  • Farmer
  • Law enforcement officer
  • Civil servant
  • Firefighter

Type of car insurance discounts in Illinois

Auto insurance premiums are calculated based on risk, including factors like age, driving experience, and location. But, in addition to the savings listed above, discounts are available for good driving history and habits and other behaviors. You can potentially save hundreds of dollars each year by making sure you take advantage of the offers below:

Discount TypePotential Annual Savings
Driver Profile & Education30%
Billing and Payments20%
Customer Loyalty25%
Driving History & Habits30%
Vehicle Equipment9%

Discounts based on the driver profile and education

Most of car insurance companies in Illinois offer discounts to those who take an approved driver education course or defensive driving course and those who prove they have a safe driving record. But there are many insurers who also give discounts to married people and students.

  • Marital status: Up to 23%
  • Good student discount: 8% to 21%

Discounts based on billing and payments

Another way to get a discount on your insurance is by going paperless and receiving your documents digitally. You can also pay in full, schedule automatic payments, and sign up online to reduce the cost of your insurance premium. 

You can also get an advance purchase discount on your car insurance if you sign up for coverage early. Some insurance providers give you a discount if you get a quote at least seven days before the policy’s effective date. You can get a similar deal if you switch early and have no lapse in coverage.

Here’s how much you can save :

  • Paid-in-full discount: 9%
  • E-payment discount: 5%
  • Paperless discount: 2%
  • Advance purchase discount: 8%

Discounts for customer loyalty and multi-policy

Insurers are always looking for ways to keep their customers, and often reward them with loyalty discounts.

Providers usually offer multi-car (insuring more than one car) and bundling (buying auto and home insurance policies from the same company) discounts. Drivers who stay with one insurance company for a length of time also may see discounts.

  • Long-term customer: 3% to 9%

Insurance companies in Illinois offer a loyalty discount of up to 8% to their continuing customers after a certain amount of time, and some companies may increase the discount the longer you remain an active customer. 

  • Multi-policy: 3% to 14%

People who purchase two or more insurance policies from the same company can take advantage of the multi-policy discount. Illinois drivers can get a 9% multi-policy discount on their car insurance. Individuals who bundle their auto and home insurance policies usually get the highest discounts from insurers.

Discounts based on driving history

If you’ve been accident-free and ticket-free for the past three years, you can get a safe driver discount on your car insurance rates in Illinois. You can also lower your bill if your vehicle use is limited to a certain type of driving or if you don’t travel far. 

Take a look at some of the discounts that are available based on driving habits and driving history:

  • Primary use (farm) discount: 1% to 30%
  • Primary use (pleasure) discount: 1% to 10%
  • Low annual mileage discount: 4% to 8%

Discounts for anti-theft and safety devices

Insurers offer discounts to their customers for having anti-theft devices and safety features in their vehicles.

A number of car insurance companies offer about a 3% discount for vehicles with safety devices including airbags and anti-lock brakes. However, not every company provides these to policyholders in Illinois.

Also worth noting, if you have an anti-theft device or a vehicle recovery system attached to your car, you can get a discount on your car insurance. The amount of the discount depends on your insurer.

Discounts by insurance companies

Some insurance companies offer bigger discounts than others – and the savings can vary accordingly. Travelers doesn’t offer the most discounts, but it offers potentially the biggest combined discount in Illinois. Based on CarInsurance.com’s analysis, you can possibly save an average of up to 21% with Travelers.

Allstate and Progressive have the most insurance discounts out of all the major car insurance companies doing business in Illinois, according to CarInsurance.com research.

Company NameNumber of Discounts OfferedPotential Savings
Allstate 1717%
American Family 168%
Automobile Club MI167%
Progressive 1612%
Erie 148%
Farmers 1315%
Nationwide 138%
Pekin Insurance 138%
Country Insurance1211%
Auto-Owners 117%
State Farm 1014%
Travelers 1023%

Who has the cheapest car insurance in Illinois?

If you are looking for even more affordable rates, you can check out our guide to the cheapest car insurance and choose an insurance company accordingly.

Based on CarInsurance.com’s study, we found Geico and Travelers with $69 per month and $88 per month, respectively, provide cheap car insurance rates in Illinois.

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Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.