GEICO leads Illinois with the lowest rates: $30 monthly for minimum coverage and $69 for full coverage. Drivers save $27 monthly (35%) compared to state averages. Get quotes from Auto-Owners, Travelers, Erie and Country Financial too.
Cheapest Car Insurance in Illinois (October 2025)
Updated: October 3, 2025
Advertising & Editorial Disclosure
Key Takeaways
GEICO, Auto-Owners and Travelers are the cheapest car insurance companies for most Illinois drivers, with average savings of up to 35%.
Car insurance costs can be as low as $24 monthly for minimum coverage and $36 for full coverage policies on average in Illinois.
To get the cheapest car insurance in Illinois, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
What is the Cheapest Car Insurance in Illinois?
| Geico | $30 | $69 | -35% | $-27 |
| Auto Owners | $32 | $75 | -30% | $-23 |
| Travelers | $47 | $86 | -13% | $-10 |
| Erie Insurance | $35 | $104 | -9% | $-7 |
| Country Financial | $51 | $103 | 1% | $1 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
Have auto insurance questions?Chat with Charlie now.
Cheapest Car Insurance in Illinois for October 2025
GEICO offers the cheapest rates for four out of our 10 driver categories, including adult drivers and those with newer cars, while Auto-Owners matches that performance with lowest rates in four categories, particularly for young drivers and those with accidents. Find your specific rates in the table:
| Young Drivers | Auto Owners | $78 |
| Adult Drivers | Geico | $31 |
| Senior Drivers | Geico | $37 |
| Drivers With An Accident | Auto Owners | $43 |
| Drivers With A DUI | Travelers | $65 |
| Drivers With A Speeding Ticket | Auto Owners | $37 |
| Drivers With Bad Credit | Country Financial | $97 |
| Drivers With Low Income | Geico | $57 |
| Drivers With Newer Cars | Geico | $36 |
| Drivers With Old Cars | Auto Owners | $24 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN ILLINOIS
We've created additional guides below to help you in your search for the best and cheapest car insurance in Illinois:
Cheapest Car Insurance in Illinois by City
GEICO offers the most affordable minimum coverage rates in 11 of Illinois's 20 largest cities, while Auto-Owners claims nine markets across the state. This competitive balance creates distinct pricing patterns between Chicago's metropolitan area and downstate communities as of October 2025.
Minimum coverage costs across Illinois's major cities range from $26 to $43 monthly. Champaign residents enjoy the state's lowest rates at $26 monthly through GEICO, while Chicago drivers face the highest premiums at $43 monthly, also with GEICO. Most suburban Chicago communities maintain rates between $32 and $39 monthly, with Auto-Owners typically serving western suburbs like Aurora, Naperville, and Joliet.
| Arlington Heights | Geico | $33 | -30% | $-23 |
| Aurora | Auto Owners | $37 | -32% | $-27 |
| Bloomington | Geico | $27 | -34% | $-22 |
| Bolingbrook | Auto Owners | $31 | -34% | $-27 |
| Champaign | Geico | $26 | -39% | $-27 |
| Chicago | Geico | $43 | -38% | $-43 |
| Cicero | Auto Owners | $43 | -33% | $-35 |
| Decatur | Geico | $30 | -34% | $-25 |
| Des Plaines | Auto Owners | $35 | -36% | $-33 |
| Elgin | Auto Owners | $38 | -31% | $-26 |
| Evanston | Auto Owners | $35 | -34% | $-30 |
| Joliet | Auto Owners | $37 | -35% | $-31 |
| Naperville | Auto Owners | $37 | -34% | $-28 |
| Palatine | Auto Owners | $32 | -31% | $-23 |
| Peoria | Geico | $29 | -39% | $-30 |
| Rockford | Geico | $31 | -36% | $-29 |
| Schaumburg | Geico | $33 | -34% | $-27 |
| Skokie | Geico | $39 | -38% | $-39 |
| Springfield | Geico | $33 | -32% | $-25 |
| Waukegan | Geico | $34 | -34% | $-28 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Illinois by Driver Age Group
We analyzed car insurance rates across Illinois for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from Erie Insurance, starting at $66 per month
- Adult drivers find the best deals with GEICO and Auto Owners, with rates from $31 per month
- Senior drivers see the most affordable coverage through GEICO, beginning at $37 per month
Cheapest Car Insurance for Young Drivers in Illinois
Young drivers in Illinois can find the cheapest minimum coverage with Erie Insurance at $66 per month. That’s about 50% lower than the state average, saving them roughly $788 per year. Auto-Owners is the next best option at $78 per month, which is 41% cheaper than average, translating to about $646 in annual savings.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Erie Insurance | $66 | $793 | -50% | $-788 |
| Auto Owners | $78 | $936 | -41% | $-646 |
| Geico | $87 | $1,047 | -34% | $-534 |
| Country Financial | $100 | $1,204 | -24% | $-378 |
| Travelers | $106 | $1,266 | -20% | $-315 |
Cheapest Car Insurance for Adult Drivers in Illinois
Adult drivers in Illinois can find the cheapest state minimum coverage with GEICO and Auto Owners at just $31 per month, saving about 38% compared to the state average. Erie Insurance is close behind at $34 per month, with savings of around 34%. Both providers offer adult drivers affordable options well below the state’s typical premiums.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Geico | $31 | $368 | -40% | $-242 |
| Auto Owners | $31 | $375 | -38% | $-234 |
| Erie Insurance | $34 | $403 | -34% | $-207 |
| Travelers | $48 | $579 | -5% | $-30 |
| AAA | $52 | $626 | 3% | $16 |
Cheapest Car Insurance for Senior Drivers in Illinois
GEICO offers the lowest car insurance rates for seniors in Illinois, with minimum coverage averaging $37 per month (about $438 annually). That’s roughly 49% cheaper than the state average, saving seniors around $414 per year. Erie Insurance is another affordable option at $53 per month (about $641 annually), saving seniors about $211 annually compared to the state average.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Geico | $37 | $438 | -49% | $-414 |
| Erie Insurance | $53 | $641 | -25% | $-211 |
| Auto Owners | $54 | $648 | -24% | $-204 |
| Travelers | $65 | $784 | -8% | $-69 |
| Country Financial | $71 | $854 | 0% | $2 |
Cheapest Car Insurance for High-Risk Drivers in Illinois
Your driving record is one of the biggest factors affecting car insurance rates in Illinois. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents, or DUIs can raise costs significantly. The tables below highlight the cheapest providers in Illinois based on different driving records.
- Cheapest for Bad Credit: Erie Insurance (from $82 per month)
- Cheapest With a DUI: GEICO (from $63 per month)
- Cheapest With an Accident: Auto-Owners (from $42 per month)
- Cheapest With a Speeding Ticket: Auto-Owners (from $36 per month)
- Cheapest With a Texting While Driving Violation: Auto-Owners (from $31 per month)
Cheapest Car Insurance for Bad Credit in Illinois
Erie Insurance offers the most affordable rates for Illinois drivers with bad credit, averaging $985 annually, about 40% below the state average.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
| Erie Insurance | $82 | $985 | -40% | $-667 |
| Geico | $87 | $1,046 | -37% | $-607 |
| Country Financial | $99 | $1,187 | -28% | $-466 |
| Auto Owners | $103 | $1,233 | -25% | $-420 |
| Nationwide | $119 | $1,431 | -13% | $-222 |
Cheapest Car Insurance With a DUI in Illinois
GEICO is the cheapest option for drivers with a DUI, with premiums around $758 per year, saving motorists about 34% compared to the state average.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Geico | $63 | $758 | -34% | $-391 |
| Travelers | $66 | $795 | -31% | $-355 |
| Auto Owners | $67 | $803 | -30% | $-347 |
| Erie Insurance | $70 | $840 | -27% | $-309 |
| Progressive | $72 | $868 | -24% | $-281 |
Cheapest Car Insurance With an Accident in Illinois
Auto-Owners provides the lowest rates for drivers with an accident on record at $506 annually, which is about 45% cheaper than the Illinois average.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Auto Owners | $42 | $506 | -45% | $-417 |
| Geico | $46 | $548 | -41% | $-374 |
| Erie Insurance | $54 | $643 | -30% | $-280 |
| Travelers | $62 | $748 | -19% | $-175 |
| Country Financial | $73 | $878 | -5% | $-45 |
Cheapest Car Insurance With a Speeding Ticket
Illinois drivers with a speeding violation can get the cheapest rates through Auto-Owners, averaging $427 annually, or 44% less than the state average.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Auto Owners | $36 | $427 | -44% | $-340 |
| Erie Insurance | $37 | $444 | -42% | $-323 |
| Geico | $38 | $461 | -40% | $-306 |
| Travelers | $59 | $707 | -8% | $-60 |
| Country Financial | $64 | $765 | 0% | $-2 |
Cheapest Car Insurance With a Texting While Driving Violation
Auto-Owners also leads for texting-while-driving violations, with premiums around $375 annually, saving drivers roughly 52% compared to the state average.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Auto Owners | $31 | $375 | -52% | $-407 |
| Erie Insurance | $37 | $444 | -43% | $-338 |
| Geico | $39 | $465 | -41% | $-318 |
| Travelers | $58 | $701 | -10% | $-81 |
| Country Financial | $64 | $765 | -2% | $-17 |
Compare the Cheapest Car Insurance in Illinois for You
The tables above show overall winners, but your cheapest option depends on your situation. For example, Country Financial offers the lowest rates at $167 monthly for drivers with poor credit and an accident who want 100/300/100 coverage.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
$128
High
$88
Average
$72
Low
Rates updated:
Oct 08, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  State Farm | 88 /of 100 | $72 |
| 2 |  Progressive | 83 /of 100 | $73 |
| 3 |  Travelers | 85 /of 100 | $78 |
| 4 |  GEICO | 80 /of 100 | $84 |
| 5 | 92 /of 100 | $91 | |
| 6 |  Allstate | 63 /of 100 | $128 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
How to Get the Cheapest Car Insurance in Illinois
Finding the lowest-priced insurance companies is just one part of getting the best car insurance rates in Illinois. We'll show you proven ways to save the most on auto insurance.
- 1
Compare national and regional carriers
Illinois has a competitive insurance market that includes national brands and regional mutual companies. Prices often vary by ZIP code, so drivers in Chicago, its suburbs, and downstate areas should compare multiple quotes before buying a policy.
- 2
Know the minimum requirements in Illinois
Illinois drivers must carry liability insurance and uninsured motorist coverage for bodily injury. These minimums keep you compliant with state law and provide a baseline for comparing quotes. Knowing the state’s coverage floor also helps you see how choosing higher limits or adding optional protections may change your premium.
- 3
Use discounts to reduce costs
Illinois insurers offer common savings opportunities such as bundling auto with homeowners or renters insurance, enrolling in telematics programs, completing defensive driving courses, and maintaining a good student record. Paying your policy in full or going paperless can also reduce premiums.
- 4
Match coverage to your location
- Chicago drivers face higher risks of theft, accidents, and litigation, making full coverage with comprehensive and collision a smarter choice.
- Rural Illinois drivers with older vehicles may save by carrying liability-only coverage, provided they can afford to replace their car out of pocket.
- 5
Adjust deductibles carefully
Raising deductibles on comprehensive and collision lowers premiums but increases out-of-pocket costs after a claim. This works best if you have enough savings to handle the higher deductible.
- 6
Strengthen your driver profile
Maintaining a clean driving record and building good credit are two of the most effective ways to secure cheaper rates in Illinois. Both factors heavily influence premiums.
- 7
Illinois Automobile Insurance Plan (ILAIP)
If you cannot find coverage in the voluntary market due to violations or high risk, you can still obtain liability insurance through the Illinois Automobile Insurance Plan (ILAIP). Premiums are higher, so it should only be used as a last resort.
Risks of Getting the Cheapest Car Insurance in Illinois
Illinois requires drivers to carry liability insurance with minimum coverage of 25/50/25. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Illinois, average property damage claims hit $4,300 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Illinois gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reports weather-related property damage averaged $3,200 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against severe storms, tornadoes and hail that frequently hit Illinois.
Bodily injury damage is more likely to be higher than the minimum limits
Illinois's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. The Insurance Information Institute reports average bodily injury claims in Illinois reached $22,000 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Illinois has a serious uninsured driver problem, with 12% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Illinois, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk urban areas like Chicago.
Minimum Coverage Requirements in Illinois
Drivers in Illinois must carry liability insurance to legally register and operate a vehicle. Illinois follows an at-fault system, which means the driver who causes an accident is responsible for covering damages. Liability coverage pays for injuries and property damage you may cause to others. Meeting these minimum limits keeps you compliant with state law, but higher coverage amounts are often recommended for stronger financial protection.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $50,000 per accident |
Property Damage Liability | $20,000 per accident |
Uninsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
Cheap Car Insurance in Illinois: Bottom Line
GEICO offers the lowest car insurance rates in Illinois for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Illinois: FAQ
Below we answer common questions about car insurance to help you find the right coverage at affordable rates.
What are the cheapest car insurance companies in Illinois?
GEICO provides the most affordable car insurance in Illinois, with average annual rates of $360 for minimum coverage and $828 for full coverage. Auto-Owners, Travelers, Erie and Country Financial also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Illinois?
Auto-Owners provides the most affordable rates for young drivers in Illinois, with monthly premiums starting at $78 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Illinois?
Senior drivers in Illinois can find the most competitive rates with GEICO, offering policies for those 65 and older at an average of $37 per month for minimum coverage.
Who has the cheapest car insurance in Illinois for bad credit?
Country Financial provides the most affordable rates for bad-credit drivers in Illinois, with monthly premiums averaging $97 for minimum coverage.
Who has the cheapest car insurance in Illinois with an accident?
Auto-Owners offers the most affordable car insurance rates for Illinois drivers with an accident history, starting at $43 per month for minimum coverage.
Who has the cheapest car insurance in Illinois with a DUI?
Travelers provides the cheapest car insurance after a DUI in Illinois, with rates of $65 monthly for minimum coverage and $126 monthly for full coverage.
Who has the cheapest car insurance in Illinois for those with a speeding ticket?
Illinois drivers with a speeding ticket can find the lowest insurance rates with Auto-Owners, charging $37 monthly for minimum coverage and $84 for full coverage.
Should you buy the cheapest car insurance in Illinois?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in Illinois.
How We Found the Most Affordable Car Insurance in Illinois
MoneyGeek collected auto insurance data from the Illinois Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Illinois.
Illinois Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Illinois
We compared car insurance companies in Illinois that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Illinois.
The minimum coverage liability limits in Illinois are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $20,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed October 8, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed October 8, 2025.
- National Centers for Environmental Information . "Climate at a Glance: Statewide Time Series ." Accessed October 8, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed October 8, 2025.
