Top Auto Insurance Companies In Illinois

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You can pay as little as $994 a year for the cheapest car insurance in Illinois for full coverage, or $328 a year for minimum coverage.

Top Auto Insurance Companies In Illinois

To help you find those low premiums, our Home Media Review team took a deep dive into the best car insurance companies, including national and local providers serving Illinois drivers. We rate them for their coverage and reputation, in addition to their rates in the Prairie State.

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Because insurance coverage rates in Illinois are cheaper than the national average, you have a greater chance of finding good car insurance in Illinois at the best rates. Here, we'll look at the cheapest car insurance companies and coverage options in the state.

After thorough research and review, our team named State Farm the best choice for cheap car insurance in Illinois. Country Financial, Geico, Progressive and USAA are also smart choices for Illinois drivers looking for quality coverage options at affordable prices.

* Our research team considers nationwide factors when evaluating providers. The provider ranking in this table is specific to Illinois auto insurance.

Coverage levels have a big impact on rates. Most quotes from providers include estimates for minimum liability and full coverage car insurance. While only minimum liability coverage is required in Illinois, it's a good idea for drivers to consider full coverage auto insurance.

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For a 35-year-old driver, the average estimate for the minimum Illinois state policy is about $527 per year, or $44 per month. That's about 17% cheaper than the national average rate of about $635 a year. The table below shows the cheapest rate estimates in our study of state policy minimums in Illinois.

With rates typically lower than the national average, cheap car insurance in Illinois can be some of the cheapest in the country. We found estimates as high as $994 a year for full coverage. The table below shows the providers that typically offer the lowest rates for these policies in Illinois.

*These rate estimates are based on the profile of a 35-year-old driver with a clean driving record and good credit score.

Age and driving history have a big impact on how much you'll pay for Illinois car insurance. In the following sections, we will compare the cheapest car insurance providers for drivers who fall into certain categories.

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Drivers in their teens and early 20s may pay more for car insurance than older drivers. Below we look at how much you can pay at different ages.

Country Financial offers the cheapest insurance estimate for a 16-year-old driver in Illinois with an average estimate of $2,939 per year, or $245 per month. The estimated average rate for a 16-year-old in Illinois is $6,168 per year, or $514 per month. This is approximately 339% higher than the average rating for 35-year-old drivers in Illinois.

At $2,534 per year, or $211 per month, Country Financial offers the cheapest insurance estimate for a 17-year-old driver in Illinois. The estimated average rate for a 17-year-old in Illinois is $4,634 per year, or $386 per month. That's nearly 230% higher than the average rating for drivers age 35 in the state.

Country Financial offers affordable car insurance for 18-year-old drivers in Illinois at an average estimate of $2,224 per year, or $185 per month. The estimated average rate for 18-year-old drivers in Illinois is $4,061 per year, or $338 per month. This number is approximately 189% higher than the average rating for 35-year-old Illinois drivers.

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A 21-year-old driver in Illinois can get cheap car insurance with Geico for about $1,453 a year, or $121 a month. In Illinois, the average toll estimate for a 21-year-old driver is $2,336 per year, or $195 per month. This rate is 66% higher than the state average rate for 35-year-old drivers.

Geico offers affordable auto insurance for 25-year-old Illinois drivers at an estimated cost of $1,116 per year, or $93 per month. The average estimated rate for 25-year-old Illinois drivers is $1,588 per year, or $132 per month. That's 13% higher than the average rating for a 35-year-old driver in Illinois.

Your age is one of the most important factors in determining car insurance premiums, but it's not the only one. Other factors related to your driving and credit history can also affect your rates.

Even good drivers can get speeding tickets. For Illinois drivers with a speeding ticket in their recent driving history, Erie Insurance offers the most affordable coverage, with an average annual cost of $1,316.

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Insurance costs go up when you've been in a car accident. For those with a recent at-fault accident on their driving record, State Farm typically offers the cheapest rates with an average annual estimate of $1,523.

Illinois drivers with recent DUIs pay an average of $2,280 per year for full coverage. While DUI drivers across the country can certainly expect higher-than-average premiums, that doesn't mean there aren't reasonably priced companies like Progressive, whose average annual cost is $1,325 for comprehensive coverage. .

A bad credit score can drastically increase the cost of car insurance in Illinois. Country Financial offered the lowest rate estimate in our study with an estimated annual cost of $1,497. Check out the cheapest providers in the state for those with poor credit scores below.

For those interested in learning about cheap auto insurance in Illinois, the following sections contain more detailed information:

The Best Auto Insurance

As the largest insurer in the United States, State Farm is our review team's pick for the best auto insurance provider in Illinois. The company has been offering high quality insurance products since 1922 and is known for its reliability. State Farm maintains an A++ rating for financial strength from AM Best, highlighting its reliability in terms of paying claims.

Our review team awards State Farm the Editor's Choice designation in its 2022 industry-wide review of the best auto insurance companies. The insurer is a particularly good choice for students and teenagers because it offers savings opportunities and suitable driving programs for young drivers.

Founded in 1925, Country Financial has nearly a century of experience in the insurance industry. The company has a dedicated team of 3,000 employees and 2,000 representatives operating in 19 states, including Illinois. Country Financial maintains an A+ rating from the Better Business Bureau (BBB) ​​and an A+ financial strength rating from AM Best.

Country Financial offers some of the cheapest rates on average for Illinois drivers — those with speeding tickets or particularly poor credit scores. The provider also offers a range of car insurance discounts, including multi-car and multi-policy discounts, good driver discounts and a protective driver discount.

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Geico is one of our review team's top rated providers in the country with a 9.2 out of 10.0 rating. It is the second largest insurance company in the US and is known for offering low rates nationwide. In the state of Illinois, Geico is an excellent choice for affordable car insurance for good drivers and especially young drivers.

Although Geico does not offer gap insurance, it does offer accident forgiveness, motor insurance and usage-based insurance. This provider was awarded the highest possible ratings by both AM Best and the BBB, including an A++ for financial strength from AM Best and an A+ rating from the BBB.

Progressive is one of the most recognized names in the industry and has been providing high-quality insurance products since 1937. In our 2022 industry review, our review team recognized Progressive with the lowest rating for the highest risk driver title. up. It offers some of the cheapest car insurance rates in Illinois for good drivers and those with a recent speeding ticket or car accident on their record.

Progressive maintains an F rating from the BBB, although it has an A+ financial strength rating from AM Best. It's also a smart choice for those looking to save on their auto insurance thanks to a range of discounts, including multi-vehicle discounts, bundled discounts and student and new driver savings.

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Exclusively for military members, veterans and their families, USAA is a great option for those who qualify. The provider has an A++ financial strength rating from AM Best and an A- rating from BBB, and has a J.D. rating. Power often receives the highest scores in customer satisfaction ratings.

In our 2022 industry review, our team rated USAA the lowest for military awards. Unsurprisingly, USAA is the number one provider to the military, with discounts and benefits tailored to military members. USAA also offers usage-based insurance, gap insurance, and accident waivers.

According to our rate estimates, comprehensive car insurance coverage in the state costs about $1,347 per year or $112 per month.

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