Illinois auto premiums have risen sharply since 2022, but the state generally remains below the national average for full-coverage costs. Across recent industry datasets, statewide averages are roughly $500–$750 per year for minimum coverage and about $1,700–$2,300 for full coverage, with Chicago-area pricing typically higher. When we looked for the best car insurance in Illinois, there were still plenty of strong options. We considered affordability, claims and customer support, coverage options, customer satisfaction, and digital tools to identify five standout insurers in the Prairie State.

The 5 Best Auto Insurance Companies in Illinois

• Country Financial: Best for local agents
• Geico: Best for customer satisfaction
• Farmers: Best for coverage options
• Erie: Best for steady rates
• Progressive: Best for digital tools

Note: The comparison table reflects historical sample rates; statewide averages and satisfaction scores have shifted with 2023–2024 rate increases. Information current as of 2025.

*Table sample rates were originally sourced from Bankrate.com; current statewide averages vary by source.

**J.D. Power’s 2024 U.S. Auto Insurance Study for the North Central region. Based on a 1,000-point scale.

Country Financial

Geico

Farmers

Erie

Progressive

* Historical sample rates were sourced from Bankrate.com

**J.D. Power 2024 U.S. Auto Insurance Study rating for the North Central region. Based on a 1,000-point scale.

The Average Cost of Car Insurance in Illinois

Illinois drivers now typically see statewide averages below the national level but higher than they were a few years ago. Recent analyses place minimum coverage around $500–$750 per year and full coverage roughly $1,700–$2,300, depending on the driver profile and data source. Most datasets still show Illinois below the national full-coverage average, though the gap narrowed as premiums rose through 2023–2024. Urban centers like Chicago tend to run higher than the statewide average.

Top 3 Cheapest Car Insurance Companies in Illinois

* Benchmarks reflect recent Illinois analyses from multiple sources; actual premiums vary by profile and location.

Top 3 Most Expensive Car Insurance Companies in Illinois

* Examples of higher-cost situations; pricing varies widely by driver, coverage, and location.

Guide to Illinois Car Insurance 

Illinois Minimum Insurance Requirements

Like most other states, Illinois requires all drivers to carry a minimum amount of liability insurance, noted at 25/50/20, and the state also mandates uninsured motorist bodily injury (UMBI) of 25/50. Failure to maintain the minimum insurance required can result in fines and registration suspension under Illinois’ electronic verification program.

Minimum liability required in the state of Illinois is divided as follows:

• $25,000 for injury or death of one person in an accident
• $50,000 for injury or death to more than one person in an accident
• $20,000 for property damage in an accident

When purchasing car insurance in Illinois, there are a few things to consider. Recent premium increases reflect higher claim costs; pricing also varies by your age, driving record, vehicle, credit score, location (ZIP code), and marital status. Urban areas like Chicago tend to have higher average rates than the statewide average.

High-risk drivers may apply for the Illinois Automobile Insurance Plan (the state’s assigned-risk market) for coverage, but since rates tend to run higher than usual, it is best to find and compare top auto insurance quotes first.

Additional Car Insurance Coverage in Illinois

In addition to the standard coverages that come with all car insurance policies, drivers can add optional protections that address specific risks and gaps. Here are some of the most common:

• Gap Insurance: This coverage helps protect you from financial loss if you total your vehicle and you owe more on your auto loan than your insurance company will pay you for the vehicle.
• Accident forgiveness: In most cases, your insurance rates will typically increase after an accident. But with this optional coverage, you’re guaranteed that your rates won’t increase after your first accident.
• Rideshare coverage: As rideshare apps become more popular, drivers may find they need special insurance coverage. A handful of insurers offer coverage specifically for rideshare drivers.
• Roadside assistance: If you find yourself stranded somewhere, this optional coverage can help cover the cost of a tow vehicle, battery jump, tire change, and more.

Illinois Car Insurance FAQ 

Methodology

Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, claims and customer support, coverage options, recent customer satisfaction trends and online resources from each company to determine top providers. 

For current price context, we synthesized recent statewide benchmarks from multiple reputable datasets (including Bankrate, NerdWallet, ValuePenguin and The Zebra) and referenced the latest J.D. Power satisfaction findings for the region. For full-coverage illustrations, many studies assume limits similar to the following:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile typically assumes a recent-model mid-size sedan, a five-day commute and about 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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