Key Takeaways
- State Farm has the cheapest average car insurance rates for most Illinois drivers.
- Country Financial is the cheapest company if you have bad credit.
- Illinois car insurance costs more than the national average premium.
In this article
The cheapest car insurance companies in Illinois
Lowest rate: State Farm
Best for military members: USAA
Best with bad credit: Country Financial
State Farm holds the cheapest rates for both minimum-coverage and full-coverage car insurance in Illinois, with an average rate of $50 a month for minimum coverage and $106 for full coverage. The average rates for car insurance in Illinois are $75 a month for minimum coverage and $155 a month for full coverage.
The average rate for minimum-coverage car insurance in Illinois with USAA is $60 a month. USAA has a long reputation for great customer satisfaction. The downside of USAA is that it only offers car insurance for military members and their families. According to VA.gov, Illinois is home to over 600,000 veterans. If you fall into that category, we recommend considering USAA.
On top of Country Financial's standard rate of $57 a month being under the average Illinois rate, it also carries the cheapest rate for Illinois drivers with bad credit at $197 a month. Some car insurance companies see poor credit as a risk factor that can affect your rates, but some states now are starting to forbid using credit ratings when calculating quotes.
Illinois minimum car insurance requirements
Registered drivers in Illinois are required to carry the following minimum-coverage car insurance limits:
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $20,000 |
| Source: ilsos.gov | |
Keep in mind that these limits are in place to cover legal requirements. A serious accident resulting in a long court case or hospital stay can hit these limits quickly. Any costs over these limits associated with the accident will have to be paid out of your own pocket. To avoid this, consider increasing your liability limits to:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Cheapest minimum-coverage auto insurance rates in Illinois: State Farm
State Farm has the cheapest minimum-coverage car insurance rates in Illinois, at an average of $50 a month. This is 33% cheaper than the average rate in Illinois of $75 a month. Minimum-coverage car insurance covers damages and injuries you cause others. Country Financial has the second-lowest rate at $57 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $50 |
| Country Financial | $57 |
| USAA | $60 |
| Travelers | $73 |
| American Family | $72 |
| Progressive | $76 |
| Allstate | $106 |
| Farmers | $149 |
| GEICO | $120 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
See how much you could save on car insurance
Cheapest full-coverage auto insurance rates in Illinois: State Farm
State Farm has the cheapest rates for full-coverage car insurance in Illinois, with an average rate of $106 a month. Country Financial is the second-cheapest at $129 a month. Full-coverage car insurance provides collision and comprehensive coverage for your own injuries and damages after an accident.
| Company | Monthly rate |
|---|---|
| State Farm | $106 |
| Country Financial | $129 |
| USAA | $132 |
| Travelers | $135 |
| American Family | $145 |
| Progressive | $196 |
| Allstate | $237 |
| Farmers | $256 |
| GEICO | $275 |
| Rates are full-coverage car insurance for a 35-year-old male with a good driving record. | |
Cheapest car insurance in Illinois for drivers with bad credit: Country Financial
Country Financial has the lowest average full-coverage rate of $197 a month for most drivers in Illinois with poor credit. Travelers comes in second at $213 a month.
| Company | Monthly rate |
|---|---|
| Country Financial | $197 |
| Travelers | $213 |
| USAA | $224 |
| State Farm | $231 |
| American Family | $248 |
| Progressive | $337 |
| Allstate | $369 |
| Farmers | $431 |
| GEICO | $571 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. | |
Cheapest car insurance for drivers with a prior incident
After a speeding ticket, auto accident or a DUI, you'll probably see an increase in your car insurance rates. State Farm has the cheapest insurance rates for Illinois drivers with an offense on their record.
Cheapest for drivers with a speeding ticket: State Farm
If you have a speeding ticket on your record, State Farm is the cheapest car insurance option at $114 a month for full coverage. USAA is next at $168; however, USAA is only available to military members and their families. This makes Country Financial the second most affordable provider for most drivers in Illinois.
| Company | Monthly rate |
|---|---|
| State Farm | $114 |
| USAA | $168 |
| Country Financial | $170 |
| American Family | $172 |
| Travelers | $175 |
| Progressive | $268 |
| Allstate | $313 |
| GEICO | $324 |
| Farmers | $384 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Cheapest for drivers with an at-fault accident: State Farm
After an accident, drivers in Illinois find the most affordable car insurance with State Farm at an average rate of $124 a month. Travelers is the next-cheapest at $186 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $124 |
| Travelers | $186 |
| Country Financial | $193 |
| USAA | $198 |
| American Family | $223 |
| Progressive | $322 |
| Farmers | $389 |
| GEICO | $441 |
| Allstate | $449 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest car insurance for drivers with a DUI: Progressive
If you have a DUI, State Farm has the lowest auto insurance rate for Illinois drivers at $114 a month. The next-cheapest option is Country Financial at $201.
| Company | Monthly rate |
|---|---|
| State Farm | $114 |
| Country Financial | $201 |
| Travelers | $208 |
| Progressive | $222 |
| American Family | $259 |
| USAA | $282 |
| Farmers | $369 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
If you are pulled over and found to have a blood alcohol content (BAC) of 0.08%, you are guilty of driving under the influence (DUI). The penalties for a first-offense DUI in Illinois include a fine of $500 to $2,500, and one year of jail time.
A DUI will undoubtedly lead to an increase in your rates. Car insurance companies consider a DUI to be an extreme risk factor, and may refuse to offer coverage.
Get cheap car insurance in Illinois
Cheapest car insurance for senior drivers: State Farm
Seniors in Illinois find the cheapest average rates for car insurance with State Farm, at $98 a month. Country Financial is the next-cheapest at $117 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $98 |
| Country Financial | $117 |
| USAA | $122 |
| Travelers | $122 |
| American Family | $134 |
| Progressive | $179 |
| Allstate | $223 |
| Farmers | $240 |
| GEICO | $248 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. | |
Senior drivers usually pay higher rates than most younger drivers. This is mostly due to the risk that can occur from response-time loss as we age. Seniors with a clean driving record will still pay lower rates than teen drivers.
Cheapest car insurance for young drivers: USAA and Country Financial
USAA has the cheapest minimum-coverage rates for young drivers in Illinois, with an average of $148 a month. If you're not in the military, Country Financial has your cheapest minimum-coverage car insurance rate, at $149 a month.
| Company | Monthly rate |
|---|---|
| USAA | $148 |
| Country Financial | $149 |
| State Farm | $154 |
| Travelers | $221 |
| Allstate | $252 |
| American Family | $274 |
| GEICO | $279 |
| Progressive | $280 |
| Farmers | $710 |
| Rates are for an 18-year-old male with a clean driving record. | |
Teen drivers looking for full-coverage car insurance get the cheapest rate with Country Financial at $322 a month, and State Farm is the next-cheapest at $329 a month.
| Company | Monthly rate |
|---|---|
| Country Financial | $322 |
| State Farm | $329 |
| USAA | $352 |
| Travelers | $425 |
| Allstate | $551 |
| American Family | $553 |
| GEICO | $670 |
| Progressive | $841 |
| Farmers | $1,153 |
| Rates are for an 18-year-old male with a clean driving record. | |
Teens usually pay the highest rates for car insurance due to their lack of experience behind the wheel. If you're looking to save money on car insurance, look into getting onto a parent's or guardian's policy. We've found teens on a parent's insurance pay 48% less for their coverage.
Cheapest car insurance for married drivers: State Farm
Married drivers get their lowest rates in Illinois with State Farm, which offers an average of $106 a month. Country Financial is the next-cheapest option at $112 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $106 |
| Country Financial | $112 |
| USAA | $115 |
| Travelers | $135 |
| American Family | $145 |
| Progressive | $166 |
| Allstate | $233 |
| Farmers | $248 |
| GEICO | $281 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. | |
Illinois car insurance: FAQs
How much is car insurance in Illinois?
The average cost of minimum-coverage car insurance in Illinois is $75 a month. Full-coverage car insurance costs an average of $155 a month.
Who has the cheapest car insurance in Illinois?
State Farm has the cheapest minimum- and full-coverage car insurance rates in Illinois. Its average rate for minimum coverage is $50 a month, while its average full-coverage rate is $106 a month.
What are Illinois' car insurance requirements?
Illinois state law requires that drivers registered in the state carry the following car insurance minimum limits:
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Property damage: $20,000
Methodology
The rates shown in this article are based on an analysis of thousands auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Illinois.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
-
Bodily injury liability: $100,000 limit per person/$300,000 limit per accident
-
Property damage liability: $100,000 limit
-
Collision: $500 deductible
Sources:
Auto insurance by city
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