+120 more*These quotes are from real Compare.com users Illinois within the last 10 days. Updated on September 3, 2026
*These quotes are from real Compare.com users Illinois within the last 10 days. Updated on September 3, 2026
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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
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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 offers the cheapest car insurance in Illinois.
Liability-only coverage averages $87 per month in Illinois, while full coverage averages $167 per month.
The average cost of car insurance in Illinois is $127 per month.
Illinois has few costly natural disasters and fatal crashes, making premiums lower than in many other states.
Car insurance in Illinois averages $87 per month for liability-only and $167 per month for full coverage, according to Compare.com data. Liability-only coverage is about 14% cheaper than the national average, while full coverage is about 11% cheaper.
Auto insurance in Illinois is generally more affordable because it has fewer fatal accidents than other states.[1] It also doesn’t experience the most expensive weather risks, such as hurricanes and storm surge, that can drive up premiums in states like Florida and Louisiana.
After comparing car insurance quotes in Illinois from 32 companies, we found that Auto-Owners, State Farm, and Certainly have some of the cheapest average rates in the Prairie State.
Check out the table below for the cheapest insurers in Illinois for full and minimum coverage, according to Compare.com data.
Company | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Auto-Owners | $48 | $86 |
| State Farm | $52 | $93 |
| Certainly | $67 | $183 |
| Progressive | $68 | $136 |
| Country Financial | $72 | $130 |
| The General | $73 | $185 |
| Direct Auto | $74 | $148 |
| GEICO | $77 | $145 |
| Erie | $79 | $142 |
| First Chicago | $80 | $195 |
Get quotes from the Prairie State’s best insurance companies and save money today.
Car insurance rates can vary widely across Illinois depending on where you live, your driving habits, and the local weather.[2]
Bloomington has some of the most affordable rates, at an average of $75 per month. Chicago has some of the highest, at an average of $113 per month. That’s about a 60% difference between the two cities, mainly due to factors like higher population density, traffic volume, and claim frequency in larger urban areas.[3]
The table below shows average car insurance quotes for cities in Illinois, based on Compare.com data.
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Bloomington | $75 | $137 |
| Champaign | $77 | $149 |
| Decatur | $77 | $147 |
| Moline | $79 | $137 |
| Schaumburg | $82 | $159 |
| Rockford | $83 | $156 |
| Naperville | $84 | $147 |
| Peoria | $84 | $158 |
| Waukegan | $87 | $156 |
| Aurora | $89 | $161 |
| Evanston | $89 | $166 |
| Springfield | $89 | $164 |
| Crest Hill | $91 | $149 |
| Elgin | $91 | $154 |
| Des Plaines | $92 | $166 |
| Joliet | $93 | $166 |
| Wheeling | $94 | $142 |
| Berwyn | $96 | $172 |
| Belleville | $100 | $184 |
| Chicago Heights | $104 | $214 |
| Skokie | $104 | $177 |
| Cicero | $109 | $213 |
| Chicago | $113 | $226 |
Your driving habits, vehicle usage, and how you buy your vehicle can influence Illinois car insurance premiums. Here are some key ways that these details affect your rates:
Driving history: About 3% of Illinois drivers have a speeding ticket, 4% have an at-fault accident, and 1% have a driving under the influence (DUI) conviction on their record, according to Compare.com data. These infractions can lead insurers to consider you a high-risk driver, which can increase your insurance costs.
Vehicle use: Illinois drivers average more than 9,000 miles per year. If you drive less, you may qualify for a low-mileage discount or cheaper rates with pay-per-mile insurance instead of a standard policy.
Vehicle ownership: Most Illinois drivers own their vehicles, while 33% finance or lease their cars. Lenders often require full-coverage car insurance, which costs more than state-minimum coverage.
Car insurance rates rose by 18% in 2024, according to the Illinois Secretary of State. But new legislation aims to improve rate transparency and limit unfair premium hikes.[4]
Insurers use many factors to determine your insurance premium, including your age, driving record, and vehicle. Plus, every company calculates rates differently. For example, one company may offer better rates after a ticket or accident, while another may be more affordable for young drivers.
Comparing quotes from multiple companies can help you find the coverage you need at the best price. Here’s a look at average Illinois car insurance quotes, according to Compare.com data.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium $160/mo* | Average Premium $116/mo* | Average Premium $111/mo* | Average Premium $128/mo* | Average Premium $111/mo* |
Overall Rating | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value | Value | Value | Value | Value |
Customer Service | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight N/AAI-generated from 5 user reviews | Special Highlight N/AAI-generated from 571 user reviews | Special Highlight N/AAI-generated from 59 user reviews | Special Highlight N/AAI-generated from 26 user reviews | Special Highlight N/AAI-generated from 828 user reviews |
You may want the cheapest car insurance in Illinois, but price isn’t the only important factor. You should consider things like customer satisfaction, coverage options, and claims experience when choosing an insurer.
We picked the following companies as some of the best in Illinois based on affordability, available coverages and discounts, value for different driver profiles, and Compare.com user reviews.
| User Reviews | 4.3 |
|---|---|
| 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. | 4.1 /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. | $48/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. | $86/mo |
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
Auto-Owners stands out for offering some of the most affordable car insurance in Illinois. It offers customizable coverage, with optional add-ons such as accident forgiveness, diminished value coverage, and gap insurance. Auto-Owners will also waive your collision deductible if you get into an accident with another Auto-Owners policyholder.
Cheap Illinois rates
Competitive pricing for high-risk drivers
Above-average claims satisfaction rating in the North Central region
Limited customer service hours
Available only through local independent agents
Below-average customer satisfaction in the North Central region
| User Reviews | 4.3 |
|---|---|
| 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. | 4.2 /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. | $79/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. | $142/mo |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.2 | 2.9 |
Erie earned one of the top spots for customer satisfaction in the North Central region. That makes it a solid option for Illinois drivers who value service alongside affordability. Erie also ranks No. 1 for customer satisfaction in the J.D. Power 2025 Auto Claims Satisfaction Study.
Excellent customer satisfaction rating in the North Central region
Affordable Illinois rates
Agents available throughout Illinois
Below-average digital service experience rating
No local agents in Southern Illinois
Mature driver discount not available in Illinois
| User Reviews | 3.9 |
|---|---|
| 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. | $52/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. | $93/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 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.
Headquartered in Bloomington, State Farm has deep roots in the Prairie State. It offers some of the cheapest rates for senior drivers in the state. With agents throughout Illinois, it’s a strong option for older drivers who want personalized service and affordable coverage from a trusted local company.
Cheap senior driver rates in Illinois
Offers defensive driving discount for Illinois seniors
Recently lowered rates in Illinois
Offers fewer discounts than some competitors
More expensive for some high-risk drivers
Low mileage discount not available in Illinois
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various Illinois drivers. We researched, analyzed, and weighed several categories important to Illinois insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps Illinois drivers find the best auto insurance policy for their unique needs.
Illinois has car insurance requirements similar to those of most states. Drivers must have minimum liability insurance to cover injuries and property damage they cause to others. You also need uninsured motorist (UM) coverage for damage to your vehicle caused by an uninsured driver.
Illinois doesn’t require personal injury protection (PIP) coverage. But you can add medical payments (MedPay) coverage to your policy to help cover your injuries.
The table below shows Illinois’ minimum car insurance requirements.
Coverage type | Illinois Minimum Requirement |
|---|---|
| Bodily injury liability | $25,000 per person, $50,000 per accident |
| Property damage liability | $20,000 per accident |
| Uninsured/underinsured motorist bodily injury | $25,000 per person, $50,000 per accident |
Driving uninsured is illegal in Illinois. If law enforcement catches you, you can face a minimum $500 fine and license plate suspension, which requires a $100 reinstatement fee.[5]
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Insurers in Illinois consider many factors when determining car insurance rates. Location is one of the biggest, as drivers in dense areas like Chicago often file more accident, theft, and vandalism claims than drivers in more rural communities. Your driving record also has a major influence, with accidents and tickets leading to higher premiums.
The Illinois Department of Insurance (IDOI) also notes that your vehicle and other drivers on the policy affect rates. Insurers consider the ages and driving records of everyone insured on the policy.
The type of car you drive, how you use it, your commute time, and your annual mileage also affect rates. Frequently stolen vehicles, as well as those that cost more to repair, typically have higher rates. The more time you spend on the road, the greater your chances of getting into an accident, which usually increases premiums.
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Finding cheap Illinois car insurance often comes down to comparing quotes and making the right coverage choices. Use this checklist to improve your chances of finding affordable coverage:
Maintain good credit. Illinois insurers can use your credit history when setting rates. Research shows that drivers with better credit file fewer claims, so insurers often charge less. Improving your credit may help lower your rates.[6]
Bundle your policies. Many Illinois insurers offer discounts when you combine your auto insurance with renters, condo, or homeowners insurance.
Raise your deductible. Adding collision and comprehensive coverage to your policy costs more, but can provide valuable protection. Choosing higher deductibles can lower your rates, but make sure you can afford to pay out of pocket if you file a claim.
Ask about discounts. Many Illinois insurers offer savings for safe driving, completing a defensive driving course, driving a safe vehicle, and good students.
Whether you’re comparing quotes or learning about state laws, these Illinois resources can help you make informed insurance decisions.
Illinois Department of Insurance (IDOI): The IDOI handles claim disputes and regulates insurers in the state.
Illinois Secretary of State (ILSOS): You can renew or replace your license, pay fees, and make a DMV appointment through the ILSOS website.
Illinois’s Attorney General consumer protection page: You can file complaints about deceptive business practices through the attorney general’s consumer protection page.
Illinois insurance statutes: You can check current insurance rules and regulations through the Illinois General Assembly’s website.
Here are answers to common questions people ask about car insurance in Illinois.
Auto-Owners offers the cheapest full-coverage car insurance in Illinois, averaging $48 per month, according to Compare.com data. That said, your actual rate will depend on factors like your age, driving history, vehicle, and ZIP code.
Typically no. Illinois requires $25,000 per person and $50,000 per accident of UM coverage. Although minimum limits meet state law, they may not be enough to cover your medical expenses and repair costs if an uninsured driver hits you.
Your driving record, age, marital status, gender, annual mileage, vehicle type and usage, credit history, coverage choices, and ZIP code affect the cost of car insurance in Illinois. Each insurer weighs these factors differently, so compare quotes from multiple companies to find the best deal.
Comparing quotes from multiple insurers is one of the best ways to find cheap car insurance in Illinois. Maintaining a clean driving record, improving your credit, asking about discounts, and opting for minimum coverage can also help lower your car insurance costs.
It depends. GEICO is an affordable option for car insurance in Illinois. It also ranks above average for customer satisfaction in the North Central region. That said, it’s a good idea to compare GEICO with other low-cost options in Illinois, like Auto-Owners, State Farm, and Progressive.
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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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
