Cheapest Car Insurance in Illinois

Mercury offers the most affordable minimum coverage for Illinois drivers, with an average monthly rate of $25 and an annual cost of $306. This rate presents a $173 saving compared to the typical annual cost in the state. These figures are sourced from Quadrant Information Services, reflecting the cheapest rates in Illinois as of December 2024. Read our research methodology to learn about how we found the cheapest Illinois car insurance.

The cheapest car insurance company for most drivers in Illinois is American Family, with an average monthly rate of $47 for both state minimum and full coverage. This rate is $20 less than the state average. Other affordable options include Country Financial, Auto-Owners, GEICO and Travelers.

*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

Mercury offers the cheapest car insurance for most drivers in Illinois. However, your rate depends on your personal background. Below, we highlight the most affordable car insurance rates for various driving profiles in the state.

Read More: Cheapest Car Insurance

Mercury offers the cheapest rate for cheap minimum lability coverage in Illinois, with Westfield, Country Financial, and GEICO also providing affordable options. Mercury's rate is $25 per month, while the state average is $40. Use the table below to explore rates for similar companies with the best minimum coverage rates in Illinois and see how they compare to the monthly state average.

American Family is the cheapest provider for full coverage auto insurance in Illinois, with rates averaging $60 per month or $723 per year. This is $33 less than the state average. Check the table below for other provider options.

In Illinois, young adult drivers fare best with Westfield, offering the most affordable plans. A typical Westfield minimum coverage policy costs just $32 per month for 25-year-olds.

*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.

For young drivers in Illinois, Westfield and American Family offer some of the most affordable auto insurance options. Westfield provides state minimum coverage for just $32 per month. American Family offers full coverage at $65 monthly. Your premium might change based on your driving record and other factors. Use the rates and companies here as a starting point to find affordable plans.

Read More: Cheapest Car Insurance for Young Drivers

Senior drivers in Illinois can find affordable rates with Mercury. The average policy costs $27 monthly for state minimum coverage.

*We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.

Mercury and American Family offer some of the cheapest car insurance rates for senior drivers in Illinois. However, your quote may vary. Use the rates below as a guide to find affordable coverage that fits your needs.

Read More: Cheapest Car Insurance for Seniors

Drivers in Illinois with a DUI, at-fault accident, or speeding ticket are considered high-risk by insurers and pay more for car insurance compared to those with a clean record. Depending on the offense, average premiums vary for high-risk drivers. Below are the best rates for drivers with a DUI, at-fault accident, and speeding ticket.

Mercury offers the best rates for Illinois drivers with DUIs, averaging $38 per month ($458 per year) for minimum coverage insurance. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in Illinois.

*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

American Family offers the cheapest rates for drivers after an at-fault accident, with costs averaging $40 per month ($480 per year). Check out the cheapest company for drivers after an at-fault accident. Below, find a list of other insurers providing affordable coverage for those with accidents on their records. Rates provided are for a minimum coverage policy.

*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Westfield offers the cheapest insurance for drivers with a speeding ticket, averaging $32 per month. Check the table below to compare other providers offering minimum coverage for drivers with a speeding ticket.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Westfield is the cheapest car insurance provider for drivers with poor credit scores, offering rates as low as $32 monthly or $388 annually for minimum coverage. Check the table below for more options from other providers.

*These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Location matters a lot when it comes to your car insurance bill. Even in the same state, your city can make a big difference in price due to things like how many people live there and crime rates.

For example, Mercury charges $28 a month in Aurora but $32 in Chicago for the same minimum coverage. Check the table below to see the most affordable options in your city and their lowest average monthly rates.

The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

For those in Illinois, Allstate offers the most affordable bundle home and auto insurance at $2117. Discover more cost-effective companies in the table below.

*Rates are for a 40 year old driver with good credit and no driving violations

In Illinois, the monthly average cost for full coverage car insurance is $93, while minimum coverage is $40. Understanding the average cost of car insurance in Illinois helps you figure out if you're getting a fair deal on your auto insurance premiums.

In Illinois, car insurance rates vary by city. Here's a table of average minimum and full coverage rates for a quick comparison.

Car insurance in Illinois ranks lower in cost compared to many others. While not the cheapest, car insurance is expensive in Illinois due to factors like its dense urban areas, occasional severe weather, and vehicle theft rates.

Under Illinois law, all drivers must have car insurance policies with at least $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. These figures represent the state's minimum coverage limits that help cover costs in case of an accident.

If you finance or lease your car, expect to need comprehensive and collision insurance on top of the minimum liability coverages. Although opting for the minimum liability auto insurance policy is less costly, it provides the least financial protection. For peace of mind on the road, experts suggest choosing full coverage insurance with the highest deductible and liability limits within your budget.

Drivers with serious traffic violations, like speeding or drunk driving, may need SR-22 insurance, which could increase premiums. In Illinois, either you or your insurance company can file the SR-22 form. It's valid for 3 years from your most recent offense. Check with your provider if they handle the filing for you.

In Illinois, self-insurance is a common alternative to traditional car insurance. This option allows you to meet the state's requirements by depositing a bond or cash with the state to prove financial responsibility.

For business owners, fleet insurance is a good option. It covers multiple vehicles under one policy, making it easier to manage and often more affordable than insuring each vehicle separately.

MoneyGeek suggests that drivers should get full coverage car insurance. This includes liability, collision, and comprehensive coverage to protect you on and off the road. We recommend the following liability limits:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage takes care of off-road harm to your car from events like theft, vandalism, or natural disasters. Collision coverage, on the other hand, helps pay for repairs if your car is damaged in a crash while driving.

If your car has high value, it's smart to have both comprehensive and collision insurance, even though it's not a legal must. Choose your deductible for these coverages based on what you can comfortably afford to pay before your insurance covers the remaining costs.

American Family offers the cheapest full coverage at $60, and Mercury has minimum coverage for just $25. While saving money is great, remember that the cheapest car insurance might not give you the best protection. Experts say it's smart to get as much coverage as you can afford to stay safe on the road.

MoneyGeek answers commonly asked questions about the cheapest car insurance in Illinois to ensure you get the right coverage for your situation.

MoneyGeek obtained Illinois auto insurance rates from the Illinois Department of Insurance and Quadrant Information Services. We examined 74,576 auto insurance quotes from 15 providers across 125 ZIP codes to determine the most affordable car insurance companies in Illinois.

Illinois Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Illinois:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.

Standard Coverage Levels in Illinois

We compared car insurance companies in Illinois that offer both minimum and full coverage policies. The minimum coverage liability limits in Illinois are:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $20,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

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

Home and Auto Coverage Levels in Illinois

MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible