Illinois Auto Insurance (2024)

If you live in Illinois, you probably pay around $1,394 annually, or $116 per month, for auto insurance. But you may be able to find affordable Illinois auto insurance rates in your city if you shop online and compare quotes from multiple companies in your area.

You have options regarding the type of car insurance you purchase in Illinois, but you must carry the minimum car insurance required in your state to avoid penalties. Still, finding cheap car insurance in Illinois is possible even if you purchase a more robust policy, like a full coverage car insurance plan.

Illinois auto insurance is available through many different companies, and some are known for offering more affordable coverage than others. But comparing quotes from multiple insurers is important to avoid paying too much for your car insurance.

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The Company With the Cheapest Minimum Coverage in Illinois

It’s impossible to know which company will offer you the cheapest rates for minimum coverage until you shop around. Insurance companies consider several factors when determining a potential policyholder’s rates, and you may find that some companies offer much cheaper rates than others.

Still, rates for minimum coverage will be the cheapest since minimum coverage offers the least protection when you’re behind the wheel.

Liability Auto Insurance Average Rates From Top Providers

Before you purchase a minimum coverage policy, it’s important to consider how much coverage you need. While a liability-only policy can be easy on the wallet, it could cause you a lot of trouble in the future.

Liability policies only cover repairs to other people’s vehicles and pay other people’s medical bills. If your car is damaged in an accident and you’re at fault, you will have to pay for all of the repairs out of pocket.

However, you can purchase additional coverage options that offer more protection when driving.

When you buy additional coverage, you may have more peace of mind that you won’t have to pay hundreds or thousands of dollars to repair your vehicle or someone else’s, regardless of what happens.

Geico

Geico offers the cheapest rates in Illinois for minimum coverage. The company charges $356 annually or just $30 per month for coverage. State Farm is the second-cheapest option, with annual rates of around $400 or monthly rates of around $33.

Travelers

Travelers charges $498 annually or $42 each month, and Progressive charges $541 annually or $45 each month. Nationwide’s annual rates are around $585, or $49 monthly, and Allstate charges $620 annually or $52 per month.

Farmers

Farmers charges the most expensive rates for a minimum coverage policy in Illinois. With Farmers, you will pay around $930 per year, or $78 each month, for coverage. This rate is more than twice as much as Geico and State Farm.

How to Get Cheap Full Coverage Insurance in Illinois

While it’s possible to get cheap car insurance in Illinois, a full coverage car insurance policy will cost more than a minimum coverage plan. Still, some companies offer more affordable rates for full coverage in Illinois.

Full Coverage Auto Insurance Rates From Top Providers

As you can see, full coverage costs a good bit more than a liability-only policy. But with full coverage, you have additional protection to ensure you don’t end up paying too much out of pocket if you’re in an accident or if another covered event damages your vehicle.

A full coverage policy includes both collision and comprehensive coverage, on top of the required liability limits in Illinois. Collision insurance will cover repairs to your vehicle if it is damaged in an accident. If you have collision coverage, your insurance will pay for your vehicle to be repaired even if you were at fault in the accident.

With comprehensive auto insurance, your car will be repaired if it’s damaged by something other than an accident. Damage from inclement weather, vandalism, and other non-accident-related incidents are covered under a comprehensive policy.

Travelers

Travelers offers the cheapest full coverage option in Illinois. With Travelers, you can purchase a full coverage policy for $1,108 annually or $92 per month. Next is State Farm, which charges $1,186 annually or $99 each month for coverage. Read our Travelers auto insurance review for more information.

Geico

Geico comes in third with annual rates of around $1,236. This means a monthly premium with Geico would be around $103. Read our Geico Auto Insurance Review for more information on the company.

Nationwide

Nationwide charges around $1,428 annually or $119 per month, and Progressive’s annual rates are around $1,689, which means you’ll pay around $141 each month for full coverage. Farmers charges around $100 more annually, and the monthly rate for a premium with Farmers is around $149. Read our Nationwide auto insurance review for more information on the company.

Allstate

Allstate charges the most for a full coverage policy in Illinois on average. The company’s annual rates are around $2,428, which means you’ll pay around $202 per month for full coverage with Allstate. Read our Allstate auto insurance review for more information on the company.

How to Get Cheap Auto Insurance With Bad Credit

Your credit score can negatively impact your car insurance rates if you have bad credit. Studies have shown a correlation between low credit scores and an increased likelihood of filing a claim. Many insurance companies attempt to offset this possibility by charging people with bad credit higher rates for coverage.

In Illinois, you could pay up to 52% more on average for your car insurance if you have bad credit. Still, some insurance companies may offer you more reasonable rates with a low credit score.

Full Coverage Auto Insurance Monthly Rates by Credit Score

Illinois car insurance quotes can differ significantly from one company to the next. Therefore, you should always compare quotes from several companies before making any final decisions on car insurance coverage. Otherwise, you could pay more than you need for coverage.

Geico

Geico charges the lowest rates for people with bad credit on average. With Geico, you’ll pay around $1,611 annually or $134 per month for car insurance if you have a low credit score. Travelers is the second cheapest option, charging $1,735 annually or $145 per month for coverage.

Nationwide

Nationwide charges $1,934 annually for coverage, which breaks down to about $162 per month. State Farm charges $2,576 annually or $215 per month for coverage if you have bad credit.

Progressive

If you choose Progressive for your car insurance coverage, you could pay around $2,763 annually or $230 per month for insurance. And policyholders with Farmers pay around $2,860 annually or $238 per month for coverage.

Allstate

Allstate charges the most for insurance if you have bad credit. The company charges $3,255 annually or $271 per month for insurance. This is over $100 more per month than a policy with Geico, Travelers, or Nationwide.

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How to Get Cheap Auto Insurance in Illinois After an Accident

Getting cheap Illinois car insurance may be difficult if you have an at-fault accident on your record. Insurance companies base their rates on several factors. One common factor that virtually every insurer considers is your driving record.

With a clean driving record, you can get incredibly competitive coverage rates. But if you have an accident on your record, don’t be surprised if your rates are much higher than average.

For example, in Illinois, most people with an at-fault accident on their driving record pay around $678 more each year for coverage.

But even if you have one at-fault accident on your driving record, you can still shop online and compare quotes to see which insurance company in your area offers coverage at the price you’re looking for.

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

As you can see, rates differ significantly from one company to another regarding your driving record.

Travelers often offers the cheapest auto insurance for people with an at-fault accident on their record — you will pay around $1,467 annually or $122 per month for coverage.

State Farm

State Farm charges similar rates. With State Farm, you’ll pay $1,501 annually or $125 per month for car insurance. Geico is the third cheapest option. The company charges $1,884 per year or $157 monthly for car insurance coverage if you have an at-fault accident on your record.

Nationwide

Nationwide’s rates are significantly more expensive. With Nationwide, you could pay $2,233 per year or $186 each month for car insurance. Progressive charges $2,389 annually or $199 per month for car insurance. And Farmers charges $2,640 annually or $220 each month for car insurance.

Allstate

Allstate charges the most. The company charges policyholders $3,726 per year or $311 every month for car insurance if you have an at-fault accident on your record.

Don’t get discouraged if you are paying higher-than-average premiums for car insurance in Illinois because of your driving record. There may be some things you can do to lower your car insurance rates.

Some insurance providers allow policyholders to take safe driving or defensive driving courses to save money on premiums. You may also be eligible for certain discounts that help you lower your overall rates.

As your driving record improves, you should find that your car insurance rates automatically lower. It’s a good idea to shop online and compare quotes at least once a year so you can avoid paying too much for coverage as your driving record improves.

How Teen and Young Adult Drivers Get Cheap Coverage in Illinois

Drivers between 16 and 25 pay the most for car insurance coverage. This demographic is considered inexperienced, and virtually every insurance company charges teens and young adults more for coverage because they pose a greater risk of filing a claim.

In Illinois, teen drivers pay more than three times as much for coverage as the statewide average. The average for teen and young adult car insurance coverage is $4,409 annually or $367 each month.

Full Coverage Auto Insurance Monthly Rates for Teen Drivers

Teen drivers can save money with good student discounts or similar discounts on coverage. You may also be able to save by adding yourself to a parent or guardian’s insurance policy. As you get older, your car insurance rates should decrease. Shop online and compare quotes from multiple providers to avoid paying too much for coverage.

Geico

Geico charges the lowest rates for teens and young adult drivers. With Geico, you’ll pay around $3,808 annually or $317 per month for car insurance. Travelers charges $4,142 annually or $345 per month for coverage. And State Farm charges $4,386 annually or $366 monthly for coverage.

Nationwide

Nationwide charges around $4,901 annually or $408 each month for car insurance, and Progressive charges just over $6,000 per year or $500 per month for car insurance. Rates with Allstate are a bit higher. The company charges $6,612 per year or $551 each month for insurance.

Farmers

Farmers charges the highest rates for teens and young adults looking for car insurance. The company average for insurance is $8,765 per year, or a whopping $730 each month for auto insurance.

Auto Insurance Rates Change Depending on Where You Live in Illinois

Believe it or not, you will pay more or less for coverage depending on where you live in Illinois. Certain areas that see heavier traffic are likely to charge higher rates, while companies in cities that are considered more rural charge lower rates.

The cheapest auto insurance in Illinois is often found in Twin Grove, and the state’s most expensive auto insurance rates are often in Dolton. Chicago is also much more expensive than coverage in Naperville or Springfield.

Still, you may be able to find cheap auto insurance in Chicago and other cities in Illinois by shopping online and comparing quotes from multiple providers.

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DUI Laws in Illinois

A DUI conviction in Illinois can cause you to pay nearly $600 more annually for coverage. If you have a DUI on your driving record, it can be very difficult to find affordable coverage in Illinois or elsewhere in the U.S.

A DUI or DWI is a serious penalty, and insurance companies in Illinois consider a DUI a worse offense than an at-fault accident, speeding, or reckless driving.

How to Get Auto Insurance in Illinois With a DUI

You will likely find car insurance options in Illinois if you have a DUI on your driving record, but you will pay more for coverage than you would otherwise. Most companies in Illinois are likely to charge you significantly more for coverage if you’ve been convicted of a DUI.

Full Coverage Auto Insurance Monthly Rates by Driving Record

Travelers charges $1,603 for a minimum coverage policy with a DUI. This averages out to around $134 per month. State Farm is the second cheapest option, charging $1,731 annually or $144 per month for auto insurance with a DUI on your record.

Progressive charges $1,878 annually or $157 per month for coverage. Farmers charges $2,509 per year or $209 per month. And Geico charges $2,674 per year or $223 each month for car insurance if you have a DUI on your record.

While Nationwide charges $2,854 annually or $238 each month for coverage, Allstate charges the most for coverage if you have a DUI. The company’s average annual rate for this demographic is $3,142 per year or $262 each month.

A DUI will eventually drop off your driving record, but it could take a while. In Illinois, a DUI will stay on your driving record for at least five years. Once it’s gone, you should notice your rates drop as well.

Auto Insurance Laws in Illinois

You are required to purchase car insurance if you own and register a vehicle in Illinois. If you purchase just the state’s minimum coverage amounts, you can expect to pay around $516 per year or $43 monthly for car insurance if you purchase just the state’s minimum coverage amounts.

Illinois Auto Insurance Coverage Requirements

There are certain coverages you have to carry to drive legally in Illinois. According to the Illinois Department of Insurance, the required amounts of coverage include the following:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $20,000 in property damage liability per accident
• $25,000 in uninsured/underinsured coverage per person
• $50,000 in uninsured/underinsured coverage per accident

Mandatory car insurance is a necessary protection that helps keep drivers safe from the risks associated with operating a motor vehicle.

In addition to the state’s required types of coverage, you can also purchase additional coverage options, including:

• Comprehensive. Comprehensive auto insurance covers things like hail damage, theft, and vandalism.
• Collision. Collision insurance pays for repairs for your vehicle if you were involved in an accident, even if you were at fault.
• Gap coverage. Gap coverage pays the difference between what you owe on your vehicle and what your car is worth based on its actual cash value.
• Medical and funeral services. Medical and funeral services pay for medical bills, hospital stays, or funeral fees.
• Rental car reimbursement. Rental car reimbursement pays you back if you have to rent a car while yours is being repaired after a covered event.
• Roadside assistance. Roadside assistance helps if you are stranded on the road and need flat tire repair, lockout services, fuel services, or a tow.

Keep in mind that every coverage you add to your policy will likely cost you more in monthly or annual premiums. If you want additional coverage for peace of mind, you may be thankful to have it if you’re ever in trouble.

SR-22 Insurance in Illinois

Some Illinois drivers will need to buy SR-22 coverage due to their driving records. Typically, Illinois requires SR-22 insurance if you have a serious infraction on your record or a series of infractions that indicate an issue.

The most common reasons a person might need SR-22 coverage include:

• A DUI or DWI
• Multiple traffic violations
• Multiple speeding tickets
• One or more at-fault accidents
• A gap in auto insurance coverage
• Driving with a suspended or revoked license
• Failure to pay child support

SR-22 is not a type of insurance coverage. An SR-22 is a form that your car insurance company will submit on your behalf stating that you have adequate coverage and are financially responsible for anything that happens when you’re behind the wheel.

Finding coverage when you need an SR-22 can be tricky, but you should be able to locate a company willing to work with you.

SR-22 for Insured Drivers

If you have insurance with a company, it could be easy to file an SR-22. Speak with a representative from your insurance provider and ask whether this is a possibility. You may have to pay a small fee to have the company file an SR-22.

SR-22 for Uninsured Drivers

If you do not have an insurance company, getting an SR-22 may be a bit difficult. Call around and speak with different companies. Ask whether filing an SR-22 for a new policyholder is possible and answer any necessary questions. Compare quotes from several companies before making any final decisions.

SR-22 for Drivers Who Do Not Own a Car

If you need SR-22 coverage but don’t own a car, you should probably purchase a non-owner policy with a company you know will file your SR-22. Because you’re less likely to be in an accident since you don’t drive a lot, you can save money with non-owner SR-22 insurance.

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Cheap Auto Insurance in Illinois: The Bottom Line

You need to buy auto insurance if you live and drive in Illinois. The average car insurance cost in Illinois is around $1,394 annually or $116 per month. But this amount depends on many factors, including the type of coverage you’re looking for.

If you purchase your state’s minimum coverage amounts, you could get a policy for $500 or less per year. Still, car insurance in Illinois will cost more if you get a more robust policy that offers more protection if you’re ever in an accident.

The best way to find affordable coverage is to compare car insurance quotes in Illinois from several providers. Compare multiple companies to find your cheapest Illinois car insurance.

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