Travelers has the cheapest full-coverage car insurance in Illinois, according to our research, with rates that average $1,319 a year, or $110 a month.
Travelers offers a wide range of car insurance discounts that could bring down your rate even more. This includes discounts for bundling, home ownership and safe driving.
| Company | Annual rate | LendingTree score |
|---|---|---|
| Travelers | $1,319 | |
| State Farm | $1,405 | |
| Country Financial | $1,635 | |
| American Family | $1,705 | |
| Progressive | $2,246 | |
| Geico | $2,255 | |
| Allstate | $2,876 | |
| Farmers | $3,428 | |
The average cost of full-coverage car insurance in Illinois is $2,109 a year, or $176 a month.
Full coverage includes collision and comprehensive insurance, which covers your car for damage and theft. Although state law doesn’t require them, you’ll usually need to get both for a car loan or lease.
State Farm has Illinois’ cheapest liability insurance, charging an average $521 a year, or $43 a month.
The next-best rates come from Country Financial ($549 a year) and Travelers ($617 a year), based on our data.
All three companies offer many discounts that could make any one of them the cheapest for you.
| Company | Annual rate |
|---|---|
| State Farm | $521 |
| Country Financial | $549 |
| Travelers | $617 |
| American Family | $625 |
| Progressive | $765 |
| Geico | $973 |
| Allstate | $1,272 |
| Farmers | $1,461 |
In Illinois, the average price for minimum-liability car insurance is $848 a year, or $71 a month.
Liability car insurance in Illinois includes uninsured motorist coverage. This pays to treat injuries a driver without insurance causes to you or your passengers.
Country Financial has the cheapest car insurance for teens in Illinois. It charges 18-year-olds $1,452 a year for liability coverage and $3,691 a year for full coverage.
For an even lower rate, see if you qualify for Country Financial’s good student discount. It could help you save up to 35%.
| Company | Minimum liability (annual) | Full coverage (annual) |
|---|---|---|
| Country Financial | $1,452 | $3,691 |
| State Farm | $1,729 | $4,154 |
| Travelers | $1,824 | $3,770 |
| Geico | $2,146 | $5,127 |
| American Family | $2,502 | $6,401 |
| Progressive | $2,569 | $8,231 |
| Allstate | $3,140 | $6,477 |
| Farmers | $7,446 | $13,422 |
The average price of car insurance for an 18-year-old is more than three times the rate a typical 30-year-old pays.
However, young drivers are often charged less when added to a parent’s car insurance compared to buying their own standalone policies.
Find the Cheapest Car Insurance Quotes in Illinois It's free, simple and secure.State Farm has the cheapest car insurance rate for Illinois drivers with a speeding ticket on their record, at $1,491 a year for full coverage.
Travelers is another good option for cheap car insurance with a ticket. It charges an average rate of $1,677 a year.
| Company | Annual rate |
|---|---|
| State Farm | $1,491 |
| Travelers | $1,677 |
| American Family | $2,030 |
| Country Financial | $2,161 |
| Geico | $2,622 |
| Progressive | $3,272 |
| Allstate | $3,821 |
| Farmers | $4,994 |
Rates are for a 30-year-old male with good credit and one prior speeding ticket. Your rates may vary.
In Illinois, a speeding ticket increases the average cost of auto insurance by more than 30% to $2,759 a year, or $230 a month.
State Farm also has the cheapest auto insurance for Illinois drivers with an at-fault accident on their records. Its average rate for drivers after an accident is $1,603 a year, or $134 a month.
The average price of car insurance for a driver with one prior accident is $3,302 a year, or $275 a month. This is almost 57% more than the rate you pay with a clean record.
| Company | Annual rate |
|---|---|
| State Farm | $1,603 |
| Travelers | $1,851 |
| Country Financial | $2,385 |
| American Family | $2,675 |
| Geico | $3,604 |
| Progressive | $3,883 |
| Farmers | $5,056 |
| Allstate | $5,357 |
Rates are for a 30-year-old male with good credit and one prior at-fault accident. Your rates may vary.
Travelers is the best company for cheap car insurance with a DUI (driving under the influence) conviction, at $1,954 a year, or $163 a month.
In Illinois, a DUI raises the average price of auto insurance by close to 60% to $3,364 a year, or $280 a month.
| Company | Annual rate |
|---|---|
| Travelers | $1,954 |
| Country Financial | $2,514 |
| Progressive | $2,756 |
| American Family | $3,086 |
| State Farm | $3,292 |
| Geico | $3,857 |
| Allstate | $4,634 |
| Farmers | $4,815 |
Country Financial is next, with rates averaging $2,436 a year, followed by American Family at $2,981.
| Company | Annual rate |
|---|---|
| Travelers | $2,024 |
| Country Financial | $2,436 |
| American Family | $2,981 |
| Progressive | $3,529 |
| Allstate | $4,384 |
| Geico | $4,568 |
| Farmers | $5,481 |
| State Farm | $6,064 |
Insurance companies believe factors like your payment history and credit usage show how likely you are to file a claim. These are different from the factors lenders look at for loan qualifications.
The good news is that a credit check for an insurance quote does not affect your credit score.
Country Financial and State Farm are the best car insurance companies in Illinois, based on our research.
Not only do State Farm and Country Financial charge the cheapest car insurance rates in most categories, but they also have the best ratings.
| Company | J.D. Power customer satisfaction* | NAIC Complaint Index** | LendingTree score |
|---|---|---|---|
| American Family | 642 | 0.35 | |
| Country Financial | 665 | 0.25 | |
| Progressive | 648 | 0.40 | |
| State Farm | 665 | 0.78 | |
| Travelers | 606 | 0.41 | |
Country Financial is tied for the best J.D. Power customer satisfaction score of the companies we surveyed, for example. It also has the best complaint rating from the National Association of Insurance Commissioners (NAIC) and best LendingTree score (4.8).
State Farm is tied for the best customer satisfaction score and the second-best LendingTree score. Its complaint rating is the worst of the surveyed companies, though it is still better than average.
Find the Cheapest Car Insurance Quotes in Illinois It's free, simple and secure.Among Illinois’ largest cities, we found that average auto insurance rates range from $1,887 a year in Champaign to $2,862 a year in Cicero.
| City | Annual rate |
|---|---|
| Arlington Heights | $2,177 |
| Aurora | $2,133 |
| Berwyn | $2,686 |
| Bloomington | $1,901 |
| Bolingbrook | $2,301 |
| Champaign | $1,887 |
| Chicago | $2,772 |
| Cicero | $2,862 |
| Decatur | $2,018 |
| Des Plaines | $2,473 |
| Elgin | $2,193 |
| Evanston | $2,408 |
| Joliet | $2,268 |
| Mount Prospect | $2,329 |
| Naperville | $2,118 |
| Oak Lawn | $2,531 |
| Orland Park | $2,273 |
| Palatine | $2,197 |
| Peoria | $2,089 |
| Rockford | $2,101 |
| Schaumburg | $2,265 |
| Skokie | $2,716 |
| Springfield | $2,063 |
| Tinley Park | $2,282 |
| Waukegan | $2,250 |
Chicago drivers pay the second-highest car insurance rates of Illinois’ biggest cities. They pay $2,772 a year, on average.
This isn’t surprising, as drivers in big cities usually pay higher rates for car insurance because they’re more likely to get into an accident. Their cars are also more likely to be stolen or vandalized.
Some of the best ways to get cheap car insurance are to raise your deductible, look for discounts and compare quotes from several companies.
Raising your car insurance deductible lowers your premium or rate. Just make sure you can afford to pay your deductible if you need to file a claim. Lowering your monthly or yearly bill won’t matter much if you can’t get your car fixed after an accident or other mishap.
Discounts can go a long way toward making your car insurance policy a lot more affordable. Most companies offer a wide selection of car insurance discounts, too. Not sure if you qualify for certain discounts? Pick up the phone and ask an agent. They’ll be able to help.
Before you settle on a car insurance policy, get and compare quotes from a handful of different companies. Use the same info, like coverage and deductible amounts, for all quotes so you can compare apples to apples.
A few more ways to get cheap or cheaper car insurance in Illinois include:
What you pay for car insurance in Illinois (or elsewhere) depends on several factors. The factors most likely to impact your rate include:
If you qualify for any car insurance discounts, they will affect your policy cost, too.
Every car insurance company weighs these factors differently. That’s why it’s important to compare car insurance quotes from multiple companies when you shop for coverage.
You need car insurance to register your vehicle and drive it on public roads in Illinois. You also must show proof of insurance at traffic stops or after an accident, and the state checks your insurance status electronically.
Possible penalties for driving without insurance in Illinois:
You need at least 25/50/20 car insurance to drive legally in Illinois. This means your policy must include the following amounts of liability coverage, at a minimum.
If you cause a car accident, you may have to pay the portions of a victim’s medical and/or car repair bills that go over your policy’s liability limits. This can put your savings or future earnings at risk, so consider liability limits that match your net worth.
Most insurance companies in Illinois offer these optional car insurance coverages for more protection:
If you’re convicted of DUI, driving without insurance or certain other offenses, you usually have to get an SR-22 certificate to start driving again.
Your insurance company files the certificate for you.
The actual cost of SR-22 insurance depends largely on the offense that leads to the filing requirement. You can expect to pay more for insurance after a DUI than you will if your SR-22 is for driving without insurance.
Tell the companies you contact for quotes about your SR-22 requirement when you shop for car insurance. Most companies charge an SR-22 filing fee, but it’s often only about $25.
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third party customer service ratings, and app / website experience. We weighted these categories based on what customers value in an insurance company.
For 3rd party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
Overall satisfaction ratings are from the J.D. Power 2023 U.S. Auto Insurance Study. Complaint ratings are based on NAIC data from 2023.
