+120 more*These quotes are from real Compare.com users Illinois within the last 10 days. Updated on June 4, 2026
*These quotes are from real Compare.com users Illinois within the last 10 days. Updated on June 4, 2026
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Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
Updated
Auto-Owners, State Farm, and Certainly are the three cheapest car insurance companies in Illinois.
Illinois requires drivers to have minimum liability insurance limits of 25/50/20 to drive legally in the state.
Auto-Owners is the cheapest car insurance company in Illinois for teen drivers.
Regardless of the average cost of car insurance in Illinois, you can still find ways to save on your insurance policy. Several insurers offer rates below the statewide average, and most offer various discounts you can take advantage of, too.
The table below highlights the cheapest car insurance companies in Illinois, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $47 |
| State Farm | $51 |
| Certainly | $63 |
| Progressive | $69 |
| Country Financial | $72 |
| Direct Auto | $73 |
| The General | $74 |
| GEICO | $75 |
| Erie | $78 |
| First Chicago | $78 |
| USAA | $83 |
| Mercury | $87 |
| GAINSCO | $88 |
| Safeco | $88 |
| American Family | $90 |
| Bristol West | $92 |
| National General | $94 |
| Freedom National | $102 |
| Elephant | $106 |
| Nationwide | $106 |
| Dairyland | $107 |
| Clearcover | $108 |
| Insurify Car | $109 |
| First Acceptance | $111 |
| Travelers | $114 |
| Farmers | $122 |
| Root | $122 |
| Liberty Mutual | $125 |
| Allstate | $128 |
| Mendota | $128 |
| Hugo | $131 |
| State Auto | $160 |
| Foremost | $176 |
Auto-Owners is the cheapest insurance company overall in Illinois, with an average rate of $47 per month.
Below, we’ll dive into the cheapest insurance companies based on rating factors, age, and driving record.
The insurers above are a great place to start looking for an insurance policy, but your exact rate will likely differ based on factors like your driving record, age, and even ZIP code. Every auto owner is different and will find varying rates by insurance company, which is why it’s important to compare rates.
The table below shows the cheapest companies for a variety of backgrounds and coverages, according to Compare.com data.
Driver or Policy Type | Cheapest Insurance Company | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $47 |
| Full coverage | Auto-Owners | $88 |
| Teens | Auto-Owners | $101 |
| Seniors | Auto-Owners | $36 |
| Drivers with a speeding ticket | Auto-Owners | $62 |
| Drivers with an at-fault accident | Auto-Owners | $64 |
| Drivers with a DUI | Auto-Owners | $64 |
| Drivers with excellent credit | Auto-Owners | $36 |
| Drivers with poor credit | Auto-Owners | $70 |
Liability policies start as low as $47 per month.
The average rate for minimum car insurance coverage in Illinois is $84 per month, according to Compare.com data. But most car insurance experts suggest purchasing more than the state-minimum coverage because it doesn’t usually provide enough protection.[1]
In some cases, minimum liability coverage may be what you’re looking for. For example, if you have an older, cheap car or can afford to pay out of pocket for car accident damages, it may be worthwhile.
The chart below shows the five cheapest car insurance companies in Illinois for liability-only car insurance, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $47 |
| State Farm | $51 |
| Certainly | $63 |
| Progressive | $69 |
| Country Financial | $72 |
| Direct Auto | $73 |
| The General | $74 |
| GEICO | $75 |
| Erie | $78 |
| First Chicago | $78 |
| USAA | $83 |
| Mercury | $87 |
| GAINSCO | $88 |
| Safeco | $88 |
| American Family | $90 |
| Bristol West | $92 |
| National General | $94 |
| Freedom National | $102 |
| Elephant | $106 |
| Nationwide | $106 |
| Dairyland | $107 |
| Clearcover | $108 |
| Insurify Car | $109 |
| First Acceptance | $111 |
| Travelers | $114 |
| Farmers | $122 |
| Root | $122 |
| Liberty Mutual | $125 |
| Allstate | $128 |
| Mendota | $128 |
| Hugo | $131 |
| State Auto | $160 |
| Foremost | $176 |
Auto-Owners is the cheapest car insurance company in Illinois for liability insurance, with an average rate of $47 per month.
Most drivers should consider purchasing full-coverage car insurance instead of just minimum coverage. That’s because full coverage provides more protection. It includes collision and comprehensive coverage, which pays for your vehicle and property damage in addition to liability insurance.
The average cost of full-coverage car insurance in Illinois is $160 per month, according to Compare.com data. But some insurers may offer you a more affordable rate.
Here are five companies offering the cheapest insurance rates in Illinois for full coverage, according to our data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $88 |
| State Farm | $95 |
| Country Financial | $132 |
| Safeco | $134 |
| Progressive | $136 |
| Direct Auto | $145 |
| Erie | $145 |
| GEICO | $145 |
| Mercury | $150 |
| USAA | $154 |
| American Family | $166 |
| Elephant | $176 |
| National General | $182 |
| Certainly | $183 |
| The General | $187 |
| Root | $193 |
| First Chicago | $196 |
| Nationwide | $196 |
| Clearcover | $199 |
| Liberty Mutual | $201 |
| Bristol West | $211 |
| Travelers | $211 |
| Farmers | $225 |
| Freedom National | $226 |
| GAINSCO | $231 |
| Allstate | $236 |
| Mendota | $244 |
| First Acceptance | $262 |
| State Auto | $296 |
| Dairyland | $305 |
| Foremost | $366 |
Illinois drivers can find the lowest full-coverage car insurance with Auto-Owners. The insurance company charges an average rate of Auto-Owners per month.
Teens pay some of the most expensive car insurance rates of any age group. Insurers see them as riskier than other drivers due to their lack of driving experience and higher likelihood of causing car accidents.[2] Illinois teens pay an average rate of $249 per month, according to our research.
Here are five cheap car insurance options for Illinois families with teens, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $101 |
| State Farm | $105 |
| Country Financial | $124 |
| Certainly | $129 |
| Progressive | $141 |
| The General | $141 |
| GEICO | $144 |
| Direct Auto | $150 |
| Erie | $152 |
| First Chicago | $159 |
| USAA | $163 |
| GAINSCO | $166 |
| Mercury | $169 |
| Bristol West | $173 |
| American Family | $180 |
| Safeco | $189 |
| Clearcover | $189 |
| Root | $198 |
| National General | $198 |
| Dairyland | $198 |
| Elephant | $201 |
| Freedom National | $208 |
| Nationwide | $219 |
| Insurify Car | $223 |
| First Acceptance | $227 |
| Liberty Mutual | $233 |
| Travelers | $250 |
| Hugo | $256 |
| Farmers | $258 |
| Mendota | $261 |
| Allstate | $268 |
| State Auto | $406 |
Auto-Owners is the cheapest car insurance company in Illinois for teens, with an average rate of $101 per month.
Seniors, on the other hand, tend to enjoy the cheapest rates of any age group, due to their decades of driving experience and safe driving habits. The average cost of car insurance for seniors in Illinois is $102 per month, according to Compare.com data.
The chart below shows the five cheapest car insurance companies for seniors in Illinois, according to our research.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $36 |
| State Farm | $39 |
| Certainly | $53 |
| Country Financial | $56 |
| Progressive | $58 |
| GEICO | $59 |
| Erie | $59 |
| Direct Auto | $59 |
| The General | $62 |
| First Chicago | $65 |
| USAA | $66 |
| Mercury | $68 |
| American Family | $71 |
| National General | $73 |
| GAINSCO | $74 |
| Bristol West | $76 |
| Safeco | $76 |
| Nationwide | $80 |
| Elephant | $85 |
| Freedom National | $86 |
| Travelers | $90 |
| Dairyland | $90 |
| Insurify Car | $91 |
| First Acceptance | $93 |
| Clearcover | $94 |
| Farmers | $95 |
| Allstate | $102 |
| Liberty Mutual | $102 |
| Mendota | $107 |
| Root | $111 |
| Hugo | $112 |
| State Auto | $119 |
Illinois seniors can find the most affordable rates with Auto-Owners. The insurance company charges an average monthly rate of just $36 per month for drivers age 60 and older.
Your driving record can have a big effect on car insurance rates. A single speeding ticket causes average rates to increase by 29% nationwide, according to Compare.com research.
The average cost of car insurance for Illinois drivers with a recent speeding ticket is $157 per month, according to Compare.com data. But you can still find cheap car insurance with the right company.
The chart below highlights the five cheapest insurers for drivers with a ticket in Illinois.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $62 |
| State Farm | $66 |
| Certainly | $81 |
| Progressive | $89 |
| Direct Auto | $93 |
| Country Financial | $99 |
| GEICO | $100 |
| The General | $101 |
| First Chicago | $101 |
| Erie | $105 |
| GAINSCO | $107 |
| USAA | $109 |
| Safeco | $117 |
| Bristol West | $118 |
| American Family | $118 |
| National General | $119 |
| Mercury | $122 |
| Elephant | $130 |
| Freedom National | $132 |
| Dairyland | $135 |
| Nationwide | $139 |
| Clearcover | $140 |
| Insurify Car | $141 |
| First Acceptance | $143 |
| Root | $148 |
| Travelers | $150 |
| Farmers | $159 |
| Liberty Mutual | $162 |
| Mendota | $165 |
| Allstate | $169 |
| Hugo | $169 |
| State Auto | $216 |
Auto-Owners is the cheapest car insurance company in Illinois for drivers with a ticket, with an average rate of $62 per month.
If you cause a car accident, expect your monthly insurance rate to increase. A single at-fault accident causes rates to increase by 33% nationwide, according to Compare.com research.
Our research shows the average Illinois driver pays around $168 per month after an at-fault accident. But plenty of companies still offer cheap auto insurance, if you know where to look.
The chart below highlights the five cheapest car insurance companies for drivers after an at-fault accident in Illinois.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $64 |
| State Farm | $69 |
| Certainly | $87 |
| Progressive | $95 |
| Country Financial | $101 |
| GEICO | $101 |
| Direct Auto | $101 |
| The General | $104 |
| Erie | $107 |
| First Chicago | $107 |
| USAA | $114 |
| GAINSCO | $115 |
| American Family | $124 |
| Bristol West | $124 |
| Safeco | $125 |
| National General | $128 |
| Mercury | $133 |
| Freedom National | $140 |
| Elephant | $141 |
| Dairyland | $145 |
| Nationwide | $146 |
| Insurify Car | $150 |
| First Acceptance | $153 |
| Root | $157 |
| Clearcover | $157 |
| Travelers | $157 |
| Farmers | $167 |
| Liberty Mutual | $169 |
| Allstate | $175 |
| Mendota | $176 |
| Hugo | $178 |
| State Auto | $223 |
Auto-Owners is the cheapest car insurance company in Illinois for drivers after an accident, with an average rate of $64 per month.
Driving under the influence (DUI) is a serious offense. A single DUI conviction can result in a 61% increase nationwide, according to our research. The average cost of car insurance for Illinois drivers with a DUI is $174 per month, according to Compare.com data.
Some insurers still offer affordable rates. Here are five cheap car insurance companies for drivers with a DUI in Illinois.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $64 |
| State Farm | $73 |
| Certainly | $90 |
| Progressive | $98 |
| Country Financial | $101 |
| The General | $103 |
| Direct Auto | $105 |
| GEICO | $107 |
| First Chicago | $111 |
| Erie | $112 |
| USAA | $119 |
| American Family | $123 |
| GAINSCO | $126 |
| Bristol West | $132 |
| Mercury | $133 |
| Safeco | $134 |
| National General | $135 |
| Freedom National | $145 |
| Clearcover | $148 |
| Elephant | $152 |
| Nationwide | $152 |
| Dairyland | $153 |
| Insurify Car | $155 |
| First Acceptance | $158 |
| Travelers | $163 |
| Farmers | $175 |
| Root | $175 |
| Liberty Mutual | $179 |
| Mendota | $182 |
| Allstate | $183 |
| Hugo | $188 |
| State Auto | $220 |
Auto-Owners has the cheapest car insurance in Illinois if you have a DUI. The insurer offers the most affordable rates, at an average of $64 per month.
Your credit history matters more than you may think when it comes to your car insurance rates. Insurers use a credit-based insurance score to determine the risk of a policyholder filing a claim. In fact, drivers with bad credit pay an average of 42% more for auto insurance than drivers with excellent credit, according to our research.
Illinois drivers with bad credit pay about $153 per month for car insurance. But it’s possible to find an affordable rate with bad credit.
The five insurers in the chart below offer the cheapest car insurance for drivers in Illinois with bad credit, according to our data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $64 |
| State Farm | $73 |
| Certainly | $90 |
| Progressive | $98 |
| Country Financial | $101 |
| The General | $103 |
| Direct Auto | $105 |
| GEICO | $107 |
| First Chicago | $111 |
| Erie | $112 |
| USAA | $119 |
| American Family | $123 |
| GAINSCO | $126 |
| Bristol West | $132 |
| Mercury | $133 |
| Safeco | $134 |
| National General | $135 |
| Freedom National | $145 |
| Clearcover | $148 |
| Elephant | $152 |
| Nationwide | $152 |
| Dairyland | $153 |
| Insurify Car | $155 |
| First Acceptance | $158 |
| Travelers | $163 |
| Farmers | $175 |
| Root | $175 |
| Liberty Mutual | $179 |
| Mendota | $182 |
| Allstate | $183 |
| Hugo | $188 |
| State Auto | $220 |
Auto-Owners is the cheapest car insurance company in Illinois for drivers with bad credit, with an average rate of 70 per month.
Car insurance rates vary not only by state but also from one city to the next. This is because each city has different risk factors. For example, one city might have a higher rate of accidents, while the next may experience more car break-ins. Insurance companies consider your location down to the ZIP code when determining rates.
The table below shows the cheapest car insurance companies for some of Illinois’ largest cities, according to our data.
City | Cheapest Insurance Company | Insurer’s Average Monthly Premium |
|---|---|---|
| Chicago | Auto-Owners | $64 |
| Aurora | Auto-Owners | $47 |
| Joliet | Auto-Owners | $49 |
| Naperville | Auto-Owners | $43 |
| Peoria | Auto-Owners | $45 |
| Rockford | Auto-Owners | $45 |
| Springfield | Auto-Owners | $49 |
Auto-Owners is the cheapest car insurance company in Chicago, with an average liability rate of $64 per month. But it might not be the cheapest option for you, which is why it’s so important to compare car insurance quotes from multiple companies before buying an insurance policy.
See which Illinois insurers offer you the best rates around.
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $95/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers Illinois drivers a good mix of affordable rates and excellent customer service. The company also has a variety of discounts, including savings for bundling your auto coverage with homeowners or renters insurance.
But State Farm’s rates may not be affordable for every type of driver.
Above-average customer service ratings from J.D. Power
Bundling discount available
Offers rideshare insurance
Gap insurance restricted to only State Farm Bank customers
All policies must be purchased through a local agent
Doesn't offer accident forgiveness coverage
| User Reviews | 3.7 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $145/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 3.5 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.2 | 2.9 |
| Policy transparency | 3.2 | 3.1 |
| Value | 3.3 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO has various coverage options and discounts to help Illinois drivers get the right coverage at the best price. The company also offers advanced digital policy tools, making it easy to manage your coverage and file claims via its robust mobile app.
That said, GEICO doesn’t have many local agents in the state. So you may want to look elsewhere if you want a more personalized approach.
Offers various coverage options and bundling opportunities
Many discounts available
Digital tools available 24/7
Few local agents
Below-average claims satisfaction according to J.D. Power
Can be more expensive for high-risk drivers
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $128/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $236/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate’s Milewise pay-per-mile insurance is a great choice for Illinois residents who don’t drive frequently. The insurer also offers a wide variety of coverage options so you can customize your policy to fit your needs.
But Allstate isn’t the cheapest insurer for some drivers. It also doesn’t have as many digital tools, making policy management more difficult than some competitors.
Offers pay-per-mile insurance
Local agents available
Offers extensive coverage options
Average rates my be more expensive than some competitors
Reportedly slow, frustrating claims process
Higher than average volume of customer complaints filed with the NAIC
Adjust your coverage. Reconsidering your auto coverage could save you money. For example, you may not need full coverage if you’ve paid your car off. Pay-per-mile and usage-based insurance also might be good options if you don’t drive often.
Ask about discounts. It’s worth checking with your insurer to make sure you’re getting all available discounts. Many insurance companies offer various discounts, including for bundling policies, safe driving, and safety features. Periodically ask your insurer if you qualify for any new discounts as your situation changes.
Increase your deductible. Raising your deductible on a full-coverage policy will lower your monthly premium. But make sure you can cover any extra expenses if you file a claim, because you’ll pay more out of pocket.
Shop around. The cheapest rate today may not be the cheapest next year. Regularly get quotes from multiple insurers to make sure you always have the best rate for the coverage you need.
Your location has a big effect on your car insurance premiums. Insurers consider various local factors when determining rates, like severe weather and theft rates. Even drivers in the same city might pay different rates depending on their ZIP code.
Illinois drivers typically pay less than average for car insurance. Below, you’ll find Illinois’ average rates compared to the national average, according to Compare.com data.
Location | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Illinois | $84 | $160 | $122 |
| National average | $98 | $182 | $140 |
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Like just about every state in the country, Illinois requires all drivers to have car insurance. Below are the state’s minimum-coverage car insurance requirements — the bare minimum coverage you need to drive legally in the state.
$25,000 in bodily injury coverage per person
$50,000 in bodily injury liability coverage per accident
$20,000 in property damage coverage per accident
$25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage
Visit the Illinois Department of Insurance if you want to learn more details about exact coverages.
While Illinois’ minimum-coverage requirements are enough to satisfy the law, most insurance experts recommend buying more car insurance coverage for a greater level of financial protection. And most lenders and leasing companies require you to buy collision insurance and comprehensive coverage, so you’ll likely need to buy full coverage, anyway.
If you still have questions about your car insurance in Illinois, take a look at these answers to some of the most commonly asked questions.
Auto-Owners has the cheapest car insurance in Illinois, with an average rate of $47 per month, according to our research. But your monthly rate could be different due to more than a dozen individual rating factors, so it’s important to compare quotes from different insurers.
Car insurance in Illinois costs $122 per month, on average, according to our data. That breaks down to an average liability-only rate of $84 per month and a full-coverage rate of $160. In comparison, the national car insurance average is $140.
Auto-Owners, State Farm, and Certainly offer some of the best car insurance rates for Illinois drivers. But there’s no single best insurance company for every driver.
Remember that rates will vary by insurer, coverage type, available discounts, and your unique driver profile. Always compare rates from multiple companies to find the best deal for your budget and needs.
Full-coverage auto insurance in Illinois includes meeting the state’s minimum liability insurance requirements and purchasing comprehensive and collision coverage as well as uninsured/underinsured motorist coverage.[3]
Yes. You’ll need proof of insurance to register your car in Illinois. The state requires at least $25,000/$50,000 for bodily injury liability insurance and $20,000 for property damage liability. You’ll also need uninsured and underinsured motorist coverage with the same minimum limits.
Usually, yes. Illinois law requires that you have a valid driver’s license or be eligible to apply for one to obtain auto insurance through the state’s assigned risk plan. Most insurance companies in Illinois require a valid license in order to obtain coverage.
Car insurance became mandatory in Illinois on Jan. 1, 1990. The state Legislature signed the law in 1988 after 17 years of debate, making Illinois the 41st state to enact mandatory liability insurance.[4]
Several factors contribute to the state’s relatively high insurance costs, including crash and vehicle theft rates. Illinois ranks among the top five states with the most vehicle thefts. The state also recorded 1,085 traffic fatalities and 303,913 total crashes in 2024.[5]
Yes. Illinois law requires all vehicle owners to maintain minimum liability insurance of $25,000/$50,000 for bodily injury and $20,000 for property damage. You’ll also need uninsured/underinsured motorist coverage with the same limits.
Urban centers and densely populated areas like Chicago are hotspots for auto theft, with metropolitan regions generally having more incidents compared to suburban or rural areas.
Higher population density also means more traffic, which leads to higher crash rates. Insurance companies use both factors to determine car insurance costs. Other local market factors include costs of repairs, medical treatment of accident victims and volume of litigated accident claims
The best way to save on car insurance is to shop around and compare quotes from multiple companies. You can also save by increasing your deductible, bundling policies, maintaining a good driving record, and asking about discounts for safety features or defensive driving courses.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Learn more about us, our team, and what makes us tick.
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Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
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