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Compare car insurance in Illinois

Get the cheapest car insurance in Illinois for 2021

The average annual cost of car insurance in Illinois is $995.55. Narrow down car insurers offering coverage in Illinois by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Compare up to 4 providers

Drivers in Illinois pay an average of $995.55 annually or $83 monthly for car insurance coverage, according to the National Association of Insurance Commissioners (NAIC). The state comes in 16% below the national average, which is $1,190 per year.

You may or may not pay a price in that ballpark because different factors like your car, age and driving record affect your rate. Plus, the NAIC’s state average includes policies with state minimum coverage alongside those with added coverage like comprehensive and collision.

Illinois car insurance quick facts

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Minimum liability requirements

25/50/20

Average annual car insurance cost according to the NAIC

$995.55

No-fault state

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

State minimum car insurance requirements in Illinois

You need to carry liability insurance as well as uninsured or underinsured motorist coverage to drive legally in Illinois. When shopping for car insurance, you may see the amount of coverage needed written as 25/50/20. These are your coverage limits, and they tell you how much your insurance will pay for different kinds of damage.

Let’s break down what’s covered by Illinois state minimum coverage.

Bodily Injury Liability

Bodily injury liability

  • $25,000 for bodily injuries to one person
  • $50,000 for injuries to multiple people

For bodily injuries, Illinois requires you to carry 25/50, which pays up to $25,000 for injuries to one person and $50,000 total if you injure more than one person. This coverage kicks in for medical bills or legal expenses if you cause injuries to other drivers, passengers or pedestrians in an accident.

These coverage limits are common across other states. But think about raising your limits since costs related to injuries quickly add up.

Property damage liability

Property damage liability

  • $20,000 in property damage liability

Illinois requires at least $20,000 for property damage liability, which covers damage that you cause to another person’s car or personal property like a phone or car seats.

You’ll see a similar amount of coverage in other states, although many require less for property damage. Despite that, this limit provides low protection overall.

Uninsured or underinsured motorist

Uninsured or underinsured motorist

  • $25,000 for uninsured motorist bodily injuries per person
  • $50,000 for uninsured motorist bodily injuries to multiple people

About 20 states require drivers to carry uninsured or underinsured motorist coverage, which protects you if you’re involved in an accident with a driver who doesn’t have adequate insurance coverage. Illinois does require this coverage, but it’s included automatically when you buy bodily injury liability coverage.

Finder tip: Illinois state minimum coverage isn’t enough

Illinois car insurance requirements may stay on par with other states, but that doesn’t mean you’re fully protected against most car accidents. For example, if you’re hit by an underinsured driver, state minimum coverage won’t pay for your car’s damage if the driver can’t pay.

To avoid paying out of pocket for some damage, consider raising your liability limits and adding optional coverage, based on your budget and driving needs.

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%

What affects your car insurance rate in Illinois

Here’s a handful of those factors that affect car insurance costs in Illinois.

  • Age. Seniors and young drivers under 25 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 higher 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
$1,607Get a quoteRead review
$1,994Get a quoteRead review
$2,306Get a quoteRead review
$2,456Get a quote
$3,695

Cheap car insurance in Chicago

CompanyAverage annual rateLearn more
$721Get a quoteRead review
$836
$857Get a quoteRead review
$890
$1,154Get a quote
$2,306Get a quoteRead review

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 three 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

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.

Frequently asked questions

How do I register my car in Illinois?
To register your car, visit your nearest Illinois Vehicle Services Department. You’ll need to submit your vehicle title, proof of insurance, an odometer disclosure statement and completed Form VSD 190 — Application for a Vehicle Transaction, along with a fee to process your registration, title and taxes.

How will my rates increase if I file a claim with my car insurance?
It’s possible your car insurance rates could rise if you file a claim, but car insurance providers and policies vary. Some providers offer accident forgiveness programs that ensure your premium stays the same after your first accident. But in many cases, a claim on your policy raises your risk profile — and, in turn, your rates.

How can my insurance company cancel my policy if I file a claim?
Your car insurance has the right to cancel your policy at any time. But most providers reserve cancellation for policyholders who file multiple claims in a short time or engage in risky driving behaviors that result in multiple tickets or DUI/DWIs. You will typically receive notice from your car insurance company before it cancels your policy.

How does a deductible work?
When talking about car insurance, your deductible is the out-of-pocket expense you’ll pay for repairs to your vehicle under comprehensive or collision coverage. If your deductible is $1,000 and your claim totals $3,000, you pay the $1,000 and your insurance provider pays the $2,000 difference. Typically the higher your deductible, the lower your monthly rate.

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