Average Cost Of Car Insurance In Illinois Per Month - To help drivers find the best cheap car insurance in Illinois, our editorial team has collected quotes from the top insurance companies in every zip code in the state. Minimum coverage offers meet Illinois state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, $25,000 in uninsured motorist bodily injury coverage per person and $50,000 per accident and $10,000 property. in the protection of Full coverage offers include comprehensive and collision coverage in excess of the state's minimum liability limits.
In addition, we ranked the best car insurance companies in Illinois based on insurance rates for different drivers, coverage availability, customer service reviews and benefits.
Average Cost Of Car Insurance In Illinois Per Month
For a car insurance policy with minimum coverage, the cheapest insurers in Illinois are State Farm and Country Financial. State Farm's typical rate is just $377 per year, 47% cheaper than the overall state average. Country Financial is the only other insurer that offers a policy for less than $500 per year.
Top 15 Factors That Affect Car Insurance Rates
Minimum coverage policies meet minimum coverage requirements as set by state law. Unlike comprehensive coverage, minimum coverage does not include comprehensive and collision coverage, which pays for repairs to your car after an accident. With a liability-only policy, you have to pay out of pocket to fix your car.
The cheapest full coverage car insurance companies in Illinois are State Farm, Country Financial and Passenger. State Farm's average rate is an impressively affordable $959 per year for full coverage, and all three insurers offer full coverage deals for less than $1,500 per year.
A full coverage car insurance policy includes comprehensive and collision coverage in addition to liability coverage. Drivers who want to protect themselves from damage to their car should consider purchasing a full coverage auto insurance policy.
Drivers with less than perfect driving history are likely to find more expensive car insurance quotes. That's why it's even more important to shop around and find the best prices for you.
Looking For The Best Illinois Auto Insurance Quotes?
Insurance companies usually increase rates after you get a speeding ticket, although some rates increase more than others. State Farm has the lowest insurance rates for Illinois drivers with speeding tickets, with a typical cost of $1,045 per year. That's less than half the national average.
The cheapest insurance company for a comprehensive auto insurance policy in Illinois is State Farm with a previous accident. The typical post-collision rate was just $1,131 per year — $780 less than the second-cheapest option, and just $14 more per month for a clean driving record.
Drivers who have accidents on their driving record see higher premiums than those without a history of accidents. We saw an average rate increase of $906 per year after a single accident.
It should be noted that the most expensive policy we found — $4,928 a year from Allstate — is four times cheaper than State Farm ($1,131). Due to the variation in insurance rates for different driver profiles, we always recommend purchasing auto insurance.
Best Car Insurance In Illinois (2022)
For drivers with a DUI on their record, some insurers offer better rates than others. State Farm charges $1,561 per year for a full coverage policy. No other insurance offered anywhere near that amount.
Getting caught driving under the influence is one of the most serious driving violations, and the consequences are quite severe. With the most popular insurance in Illinois, rates increase by an average of 57% after a single DUI conviction.
For drivers with bad credit, we recommend Country Financing. Its average cost is just $1,825 a year for a full coverage policy, the lowest of any company we surveyed.
A low credit score doesn't mean you're a bad driver, but unfortunately, it can affect your insurance rate. Insurance companies have discovered a correlation between a driver's credit score and the likelihood of making a claim, so people with lower credit scores pay more.
Car Insurance Rates By State For 2022
Improving your credit won't happen overnight, but there are several ways you can improve your credit score to lower your insurance rate.
Young drivers almost always pay much more for car insurance than older drivers, especially if they buy their own policy. The average cost of car insurance for an 18-year-old on their own policy is $5,149 per year for full coverage and $2,236 for minimum coverage.
However, some companies have lower rates for drivers over 18 years old. State Farm has the best price for full coverage ($2,970 per year), while Country Finance is the most affordable option for basic coverage ($1,222).
Speeding tickets have a negative impact on rates, and young drivers are no exception. But State Farm has the lowest rates available for most teens, with an average annual cost of $1,406. That's 48% cheaper than the overall average rate.
Cheapest Car Insurance In Illinois: Costs And Companies (2022)
Drivers pay more for car insurance after an accident, especially if they are younger. Young drivers pay 42 percent more for car insurance if they are in an accident. The company with the best overall rate is State Farm, which increases the cost to $1,545 a year.
Young drivers can save money on their insurance by sharing a policy with an older adult, such as a parent or sibling.
People who are married often see lower rates on their car insurance policies because insurers have found that they are less likely to file a claim. On average, we've found that married Illinois drivers save about 9% on their insurance bill compared to single drivers.
State Farm has minimum rates for married drivers, although it has not changed its rates for married drivers. Progressive and Country Finance offer the biggest discounts to married drivers, at 16% and 13%, respectively.
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State Farm and USAA are the best companies for Illinois drivers looking for the best service, coverage and rates.
USAA has the best overall mix of affordable service, low-cost deals, and a variety of coverage options, but it's only available to military-connected individuals and their families.
State Farm also offers an excellent combination of affordable, useful coverage and reliable service, and is widely available.
The average annual quote for full coverage auto insurance in Illinois is $1,751, although rates vary by city.
Penalties For Driving Without Insurance In Illinois
The three most expensive cities for car insurance in Illinois are Dolton, Harvey, and Phoenix, with prices averaging around $2,580. The least expensive cities are Galesburg, Rantoul and Mahomet, with prices around $1,520 - more than $1,000 cheaper. Car insurance quotes are more expensive in urban areas where the likelihood of accidents and claims are higher.
Illinois is not a "no-fault" state, so drivers are not required to carry personal injury protection (PIP). If you do not have comprehensive and collision insurance, which is included in a full coverage policy, your own car will not be protected.
State Farm offers affordable car insurance in Illinois, starting at $377 per year for minimum coverage. Plus, State Farm's rate is $959 per year for the cheapest full coverage.
The average cost of car insurance in Illinois is $60 per month for minimum coverage and $146 per month for full coverage.
Car Insurance For 20 Year Olds
Auto insurance in Illinois is not significantly more expensive than the rest of the country. Illinois ranks as the 20th most expensive state for a minimum coverage policy, while the cost of full coverage is the 28th most expensive state. However, the average cost of car insurance in Illinois is up 1.7% from last year.
Minimum car insurance is cheaper in Missouri than in Illinois, at $69 per year. Full coverage, on average, is more expensive, with Missouri drivers paying $108 more a year.
Illinois drivers are required to carry coverage of $25,000 per person for bodily injury and $50,000 per accident, as well as similar limits for uninsured motorist coverage. Illinois drivers are required to carry $20,000 in property damage coverage for each accident.
We've collected thousands of quotes from zip codes in Illinois for the state's largest insurers. We used a sample driver with the following profile:
Progressive Nearly Matches Allstate's Double Digit Auto Rate Hike In Illinois
For other rate analyzes (age, credit score, accident history and marital status) the base policy has been changed to reflect the new driver.
The analysis used insurance rate data from Quadrant Information Services. These rates are publicly obtained from insurer filings and should be used for comparative purposes only - your quotes may vary.
For an insurance quote over the phone, call: (855) 596-3655 | Agents available 24 hours a day, 7 days a week! The average cost of a full coverage auto insurance policy is $2,058 per year or $171 per month. That's more than double the average cost of liability-only auto insurance because it also includes collision and comprehensive coverage.
Compare full coverage car insurance quotes from the cheapest companies to help you find the best full coverage car insurance near you.
Car Insurance Rate Increases
State Farm is the cheapest widely available company in the country for a full coverage policy with an average rate of $1,310 per year, or $109 per year.
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