Cheap car insurance in Illinois

How to get the best car insurance in Illinois

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You might think that the minimum car insurance coverage in every state is the same. The reality is that minimum coverage, rules and driver rights are left up to the states themselves.

To legally drive in Illinois, you’re required to carry liability insurance. But unlike many other states, you’re also required to carry uninsured motorist insurance, which helps pay for medical bills that are the result of an accident caused by a driver with little or no insurance. Compare car insurance in Illinois from minimum requirements and driving laws to the best rates.

Illinois

Car insurance quick facts

20/50/20

Minimum liability requirements

$1,250

Average annual car insurance cost

90

Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

  • Based online
  • Low rates
  • Quick, easy claims
  • Rideshare coverage

Our top pick: Clearcover

Find basic coverage and low rates through its easy online or app-based experience.

  • Online company
  • Lower-than-average rates
  • Quick, easy claims
  • Rideshare coverage

Compare Illinois car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.

Compare up to 4 providers

Most popular Illinois auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$2,314,23730.2%
Allstate$876,58511.5%
Progressive$523,0006.8%
Geico$517,2856.8%
COUNTRY Financial$508,1236.6%
American Family$342,8244.5%
Farmers$319,7874.2%
Liberty Mutual$218,7512.9%
USAA$193,8372.5%
Travelers$126,9221.7%

Average car insurance costs in Illinois

When it comes to car insurance, Illinois comes in below the national average, with most drivers paying something in the range of $1,100 to $1,250 annually for their coverage. So if you’re looking for standard car insurance in Illinois and you’re between 25 and 60, you can expect to pay a price in that ballpark for your policy.

However, because so many different factors can affect a driver’s car insurance rates, you could still wind up paying a bit less or a lot more than $1,200 a month. Here’s a handful of those factors:

  • Age. Young drivers under 25, as well as seniors, will pay more for car insurance. When it comes to risk and insurance rates, the older you get, the lower your car insurance rates will tend to be, until you reach a certain age.
  • Gender. Men can often expect higher premiums. This is sometimes further modified by age and marital status. The differences in cost between men and women mostly disappear by the age of 35.
  • Type of car. Luxury and sports cars are almost always more costly to insure than sedans and minivans. This is for several reasons, but mostly because fast cars tend to be driven fast, putting these cars and their drivers at a higher risk for accidents.
  • Location. Some parts of Chicago put your vehicle at an elevated risk of theft or vandalism, which you can counter by parking the car in a locked or supervised garage. And if you live out in the country, you’re likely to pay less than someone living downtown on Michigan Avenue. Rural drivers almost always pay less than urban drivers, because accident risk is lower where there are fewer other cars on the road.
  • Claims history. The more car insurance claims you’ve made in the past, the higher your premiums will generally be.
  • Driving record. The more violations you have on your driving record, the more you can expect to pay for your car insurance. If you’re notorious for speeding, driving under the influence or trying to start a drag race at every red light, your insurer will likely know about it and raise prices accordingly.
  • Credit score. Studies show that if your credit score is low, you’re more likely to be involved in an accident.
  • Typical driving habits. Your typical distance driven, how often you get behind the wheel and where you drive all play a part in your car insurance prices.

Cheapest car insurance in Illinois

Cheap car insurance in Illinois

CompanyAverage annual rateLearn more
$1,607
$1,994
$2,306
$2,456
$3,695

Cheap car insurance in Chicago

CompanyAverage annual rateLearn more
$721
$836
$857
$890
$1,154
$2,306

Which city has the cheapest car insurance in Illinois?

Of Illinois’s largest cities, Waukegan has the cheapest rates and Chicago has the most expensive car insurance rates. Chicago drivers could face rates 3 times more than Waukegan drivers.

Car insurance quotes in Chicago

CompanyAnnual car insurance rate
Allstate$3716
American Family$2170
Farmers$2134
Metromile$2524
Esurance$2318

Car insurance quotes in Cicero

CompanyAnnual car insurance rate
Allstate$3357
American Family$2008
Farmers$1966
Metromile$2079
Esurance$2086

Car insurance quotes in Waukegan

CompanyAnnual car insurance rate
Allstate$2668
American Family$1560
Farmers$1645
Metromile$1333
Esurance$1600

Car insurance quotes in Des Plaines

CompanyAnnual car insurance rate
Allstate$3024
American Family$1889
Farmers$1806
Metromile$1745
Esurance$1945

Car insurance quotes in Mount Prospect

CompanyAnnual car insurance rate
Allstate$2943
American Family$1613
Farmers$1675
Metromile$1517
Esurance$1838

State minimum requirements in Illinois

Depending on where you live, you face varying minimum requirements for car insurance. In Illinois, you can’t legally drive unless you carry liability insurance that includes at least:

  • $20,000 bodily injury liability coverage per person.
  • $50,000 bodily injury liability coverage per accident.
  • $20,000 property damage liability coverage per accident.
  • To see the requirements of other states, take a look at minimum coverage by state.

When shopping for car insurance, you may see these liability limits written as 20/50/20.

Some 20 states mandate that its drivers also carry uninsured/underinsured motorist coverage, which protects a driver if they’re involved in an accident with another driver that isn’t adequately covered by an car insurance policy. Illinois is one of those states, requiring:

  • $25,000 uninsured/underinsured motorist coverage per person.
  • $50,000 uninsured/underinsured motorist coverage per accident.

What if I can’t afford insurance or can’t get approved for coverage?

If you aren’t able to get car insurance on your own, the state offers the Illinois Automobile Insurance Plan. The IAIP assigns you a provider, with risks shared among companies writing policies within the state.

Bottom line

To drive in Illinois, you’ll need to purchase both liability insurance and uninsured/underinsured motorist coverage to remain legal or face fines, suspensions and a possible jail stint.

To get the best coverage for your needs, carefully research your car insurance options when driving in Illinois. And to learn more about car insurance in general, from the laws in different states to where you can find the best rates and discounts, visit our comprehensive guide to car insurance coverage.

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