Auto Insurance in Illinois
Illinois’ auto insurance rates are on the low side — on average $1,246 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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Illinois is the most densely-populated state in America’s notorious Tornado Alley, with an average of 64 tornadoes per year, according to the State Climatologist Office for Illinois. Likewise, Illinois’s lake-effect climate can be brutally cold in the winter, with below-zero temperatures and more than 35 inches of snow a year — conditions that can wreak havoc on your car.
On the plus side, Illinois drivers enjoy one of the nation’s safest transportation systems, in which traffic fatalities have diminished by two-thirds since 1982, according to the Illinois Department of Transportation. The state’s topography also offers no inordinate risks of high mountains or deserts, and its coastal waterways are highly developed and relatively risk-free for drivers.
With all of these considerations, auto insurance in Illinois is priced well within the median of the national average, being substantially less expensive than in many of the neighboring northeastern states. Typically, Illinois car owners pay significantly less per year for their premiums than car owners in states such as New York, Rhode Island, or Pennsylvania.
Illinois Minimum Liability
The minimum recommended auto insurance coverage for Illinois is $25,000 for bodily injury and $50,000 per accident. This average is slightly lower than the minimum recommended auto insurance coverage of $50,000 for bodily injury and $100,000 per accident. This ratio, which is known as 50/100 coverage, is the amount recommended by experts as a standard minimum coverage. These figures, however, represent only the bare minimum, and the standard recommendation is to get as much coverage as you can afford. For optimum coverage, a policy with 100/300 coverage ($100,000 for bodily injury and $300,000 per accident) is strongly recommended, not only in Illinois, but also nationwide.
According to 2013 statistics from the Insurance Information Institute, the average automobile liability claim for property damages in the United States was $3,231, while the average claim for bodily injury totaled $15,443. As these figures represent only averages, roughly half of the time, the costs will be even more expensive.
That’s why it pays to shop around to find the best, most comprehensive coverage for your specific needs. As a car owner, you’re liable for any costs that exceed your coverage maximums. These out-of-pocket costs can be greatly mitigated if you have a solid policy with a lot of coverage. While this type of policy costs more than a standard one, there are plenty of bargains out there, so look for them. Thanks to the Internet, shopping for car insurance quotes is easier than ever, but be sure to look at many companies before making your choice.
Cheapest Car Insurance in Illinois
- $1,178State Farm
- $1,268American Family
Keep in mind that car insurance companies often cut costs by reducing staff and services, and this can greatly impact the quality of customer service. Dealing with a company that has local offices and representatives can help save processing time, which means you’ll get your claim put through more quickly.
If you value having a live agent to talk to seven days a week, or if you appreciate having a quick, hassle-free turnaround when it comes to reimbursements, think twice before looking for the cheapest company rates.
If price is your first consideration, then the companies listed here will be your best choices in Illinois. But remember: A policy is only affordable if it provides the coverage you need. There’s nothing wrong with a low-cost policy as long as it provides adequate coverage, but a cheap policy with insufficient coverage can end up costing you tens of thousands of out-of-pocket dollars.
Most Popular Companies by Marketshare
- State Farm
- American Family
Having plenty of billboards and TV ads doesn’t mean a company is the best; it just means that it can afford more advertising than others. Some of the most well-known companies might not offer the services you need, while a lesser-known company might provide specific coverage options that can save you thousands of dollars.
In the competitive world of auto insurance, the most popular companies are the ones that offer great customer service, fair premium prices, and a wide variety of coverage options. That’s why it’s crucial to compare not only rates, but also premium packages and coverage specifics from many companies before choosing the one that’s right for you.
Choosing the Best Car Insurance in Illinois
As with anything else, the term “best” is relative when it comes to car insurance. The best auto insurance company will be the one that gives you not only the most coverage you can afford, but also other options that can save money and further protect your car, such as special coverage plans for weather-related conditions in your region. In addition to a wide variety of premium options at competitive prices, a top-rated insurance company will also offer fast, no-hassle reimbursement, as well as professional customer service with live agents available every day, including weekends.
The best Illinois car insurance companies are those with a solid track record of years of quality service, because the last thing you want to worry about is your insurance company going out of business. Likewise, top insurers offer discounts for safe drivers, students, and vets, as well as multi-vehicle and bundling packages that can further save money. Before choosing your best Illinois auto insurance company, prioritize your needs. If you drive a lot on the highway or in heavy traffic, or if you take the car out in hazardous weather conditions, factor these considerations into your policy choices.
Where is car insurance most affordable?
Perhaps surprisingly, population isn’t always a factor in auto insurance premium costs.
For example, in the city of Cicero, the average car insurance premium is more expensive than in Chicago. Likewise, Orland Park has a population of only 52,524, but premiums typically run only a few dollars less than those in Chicago.
Typically, however, Illinois car insurance rates tend to be cheaper in less-populated cities. For instance, premium prices in Bloomington (pop. 78,902) and Champaign (83,424) tend to be well below the state average. Here’s an overview of auto insurance information for a select number of cities in Illinois.
Arlington Heights Auto Insurance
Just 25 miles outside of Chicago, Arlington Heights offers a picturesque, village-like atmosphere to locals who prefer living in a small town and commuting to a big city. Car insurance premium prices help with the commute, with costs that are substantially lower than the state average.
Aurora Auto Insurance
As the second largest city in Illinois, Aurora is a bustling metropolis with an extensive Metra railway system to help locals with their daily commute. While drivers may have to deal with traffic, congestion, and inclement weather in the winter, they also get a slight break on their car insurance premiums, with prices not only lower than the state average, but significantly cheaper than Chicago premiums.
Bloomington Auto Insurance
The home of Illinois State University, Bloomington is located in the middle of three major interstate highways (39, 55, and 74), which means that this busy metropolis experiences heavy traffic throughout the year. Local commuters, however, get a break with car insurance premiums that are significantly cheaper than the state average.
Bolingbrook Auto Insurance
Located just minutes from metropolitan Chicago, Bolingbrook is a commuter-friendly suburb with extensive park-and-ride bus services to regional railway stations. For those who prefer to drive, Bolingbrook is wallet-friendly as well, offering auto insurance premiums at prices well below the state average.
Champaign Auto Insurance
Located 135 miles from Chicago, Champaign has in recent years become famous as the hub of the so-called Silicon Prairie, the Midwestern version of Silicon Valley, and is home to tech companies such as Sony and IBM. It’s also home to some of the lowest auto insurance premium prices in the state, with prices substantially below the Illinois average.
Chicago Auto Insurance
With its population of 2,719,016, Chicago is one of the nation’s major metropolitan centers. For drivers, this means increased traffic congestion, as well as higher incidences of accidents and theft. In addition, Chicago is subject to harrowing lake-effect snowstorms and arctic blasts, making car maintenance a challenging prospect for many. Fortunately, Chicago is also home to one of the nation’s most expansive railway systems, so commuters don’t have to rely solely on their own vehicles. Car insurance premiums are substantially higher in Chicago than in most other Illinois cities, but the good news is that Chicago auto premium prices are still lower than they are in many other major U.S. cities.
Cicero Auto Insurance
With a population of 85,616, Cicero is a suburb of Chicago and a popular residential center for those who prefer to commute by car and public transit to their big city jobs. On average, Cicero auto insurance premiums are slightly higher than the state median.
Decatur Auto Insurance
Just three hours from Chicago, Decatur is a major center for the region’s agricultural businesses. It’s also centrally located along the area’s major highway routes, which makes a busy thoroughfare for interstate drivers. Auto insurance premiums average around state median here, making them cheaper than Chicago prices
Des Plaines Auto Insurance
With its proximity to Chicago’s O’Hare Airport, Des Plaines is a busy hub for commuters and travelers. Its auto insurance rates reflect its high-traffic demographic, and are on par with the state median but still cheaper than neighboring Chicago rates.
Elgin Auto Insurance
Just 35 miles from Chicago, Elgin is a picturesque river city with an expansive rail system that goes into Chicago, so city commuters don’t have to depend solely on their cars for transportation. Drivers also get a break with premium prices slightly below the state median.
Evanston Auto Insurance
As the home of Northwestern University, Evanston boasts a large student population, as well as an effective rail and bus service for local commuters. Evanston car insurance prices, however, are slightly above the state median, so it helps to shop around for a good rate here.
Joliet Auto Insurance
As the state’s fourth largest city, Joliet has a thriving business area where commuters can save gas by relying on efficient rail and bus services. Joliet auto insurance premium prices are just about level with the state median.
Naperville Auto Insurance
Ranked by Money magazine in 2006 as the second best place in the United States to live, Naperville offers amenities such as picturesque historic neighborhoods, an inner-city rail and bus service, and car insurance premiums that are significantly lower than the state average.
Oak Park Auto Insurance
Just 7 miles from Chicago, the village of Oak Park offers a small-town ambiance just minutes from big-city conveniences, thanks to the rapid rail system with easy access to the Chicago Loop. Expect to pay close to Chicago prices here when it comes to car insurance, however, as Oak Park premiums tend to be above the state average.
Orland Park Auto Insurance
Just 25 miles from Chicago, Orland Park is conveniently located along several interstate highways, and boasts a Metra rapid rail system that reaches all the way to Midway and O’Hare airports. Orland auto insurance costs just slightly less than the state median, so drivers can save a few dollars.
Palatine Auto Insurance
A suburb of Chicago, Palatine is a popular residential area for those who prefer to commute to the big city rather than live there. While Palatine boasts a Metra rail line, many prefer driving their own cars along the user-friendly commute to work. As an added incentive, auto insurance premiums here cost slightly below the state average.
Peoria Auto Insurance
As the seventh largest city in Illinois, Peoria is a major business and industrial hub, and home to major international corporations such as Caterpillar, Inc. Like Chicago, Peoria has cold winters with substantial snow, which can make driving hazardous. Fortunately, car insurance premiums in Peoria are priced below the state average.
Rockford Auto Insurance
As the third largest city in Illinois, Rockford is a busy industrial city, home to companies such as Chrysler and UTC Aerospace Systems. While Rockford has a bus system, it has no rail services, so many locals depend on their cars for transportation. Fortunately for drivers, Rockford insurance premium prices are slightly below state averages.
Schaumburg Auto Insurance
Located 28 miles from Chicago, Schaumburg is something of a shopper’s paradise, with some of the area’s largest retail malls. As a destination for bargain-hunting drivers, Schaumburg also offers competitive auto premiums priced at approximately the average median for the state.
Skokie Auto Insurance
Bordering on Chicago, the village of Skokie is home to a number of major industries such as Pfizer and Forsythe Technology. For commuters, Skokie offers an expansive rail service from the Chicago Transit Authority, as well as extensive bus routes. Skokie car insurance premiums, however, are some of the highest in the area, with prices comparable to Chicago’s, so it pays to shop around here.
Springfield Auto Insurance
As the Illinois state capital, Springfield is one of the region’s major business and industrial hubs. For residents, Springfield offers all the conveniences of big-city life, including a vibrant downtown area and an extensive local bus system. Car traffic can be heavy here, however, as Springfield doesn’t have a railway system. Likewise, the area is also prone to severe thunderstorms and has had several major tornadoes, so local drivers are savvy enough to pay attention to the weather. On the plus side, Springfield offers auto insurance prices substantially below the state median.
Waukegan Auto Insurance
Located along the shores of Lake Michigan, Waukegan is a popular tourist destination, thanks to its beautiful coastal ways, attractive downtown area, and vibrant arts and entertainment community. While it boasts both Metra rail and Pace bus services, Waukegan has a high number of visitors — and cars — during its busy tourist season. The good news for local drivers is that Waukegan car insurance premiums are priced slightly below the state average, costing substantially lower than premium prices in Chicago.
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