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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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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.
Auto-Owners, State Farm, and Progressive 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 | $48 |
| State Farm | $52 |
| Progressive | $60 |
| Direct Auto | $72 |
| COUNTRY Financial | $73 |
| GEICO | $78 |
| Mercury | $80 |
| Erie | $80 |
| The General | $82 |
| USAA | $85 |
| GAINSCO | $89 |
| Bristol West | $91 |
| Safeco | $92 |
| American Family | $92 |
| National General | $95 |
| Dairyland | $97 |
| Root | $100 |
| Elephant | $102 |
| Nationwide | $108 |
| Travelers | $117 |
| Farmers | $124 |
| Allstate | $130 |
| Liberty Mutual | $149 |
| State Auto | $163 |
| Foremost | $175 |
Auto-Owners is the cheapest insurance company overall in Illinois, with an average rate of $48 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 | $48 |
| Full coverage | Auto-Owners | $78 |
| Teens | Auto-Owners | $100 |
| Seniors | Auto-Owners | $38 |
| Drivers with a speeding ticket | Auto-Owners | $61 |
| Drivers with an at-fault accident | Auto-Owners | $61 |
| Drivers with a DUI | Auto-Owners | $73 |
| Drivers with excellent credit | Auto-Owners | $38 |
| Drivers with poor credit | Auto-Owners | $70 |
Liability policies start as low as $48 per month.
The average rate for minimum car insurance coverage in Illinois is $80 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.
Auto-Owners is the cheapest car insurance company in Illinois for liability insurance, with an average rate of $48 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 $147 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.
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 car accidents.[2] Illinois teens pay an average rate of $243 per month, according to our research.
Here are five cheap car insurance options for Illinois families with teens, according to Compare.com data.
Auto-Owners is the cheapest car insurance company in Illinois for teens, with an average rate of $100 per month.
Seniors, on the other hand, tend to enjoy the cheapest rates of any age group, due to their decades of driving experience. The average cost of car insurance for seniors in Illinois is $94 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.
Illinois seniors can find the most affordable rates with Auto-Owners. The insurance company charges an average monthly rate of just $38 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 $141 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.
Auto-Owners is the cheapest car insurance company in Illinois for drivers with a ticket, with an average rate of $61 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 $148 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.
Auto-Owners is the cheapest car insurance company in Illinois for drivers after an accident, with an average rate of $61 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 $184 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.
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 $73 per month.
Your credit history matters more than you may think when it comes to your car insurance rates. 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 $143 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.
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 | $65 |
| Aurora | Auto-Owners | $49 |
| Joliet | Auto-Owners | $49 |
| Naperville | Auto-Owners | $47 |
Auto-Owners is the cheapest car insurance company in Chicago, with an average liability rate of $65 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 | 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. | $85/mo |
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.
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. The company also doesn’t offer gap insurance, so it might not be the best choice if you finance your car.
Above-average customer service ratings
Bundling discount available
Offers rideshare insurance
Doesn’t offer gap insurance
Can be more expensive than some competitors
Strict accident forgiveness requirements
| 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. | 4.6 /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. | $78/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. | $127/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
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.
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
Many discounts available
Digital tools available 24/7
Few local agents
Below-average claims satisfaction
Can be more expensive for high-risk drivers
| User Reviews | 3.6 |
|---|---|
| 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. | $130/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. | $211/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
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 urban 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
More expensive than some competitors
Below-average customer satisfaction ratings
Fewer digital tools
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 insurance also might be a good option 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 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 | $80 | $147 | $114 |
| National average | $102 | $177 | $139 |
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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. And most lenders 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 $48 per month, according to our research. But your monthly rate could be different, so it’s important to compare quotes from different insurers.
Car insurance in Illinois costs $114 per month, on average, according to our data. That breaks down to an average liability-only rate of $80 per month and a full-coverage rate of $147.
Auto-Owners, State Farm, and Progressive 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.[3]
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.
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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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