Thanks to the low risk of natural disasters and high rate of insured drivers, Illinois drivers enjoy car insurance rates that are lower than the national average. When we looked for the best car insurance in Illinois, there were plenty of great options available. We considered affordability, customer support, coverage options, customer satisfaction, and online resources to find the six best 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
Compare the Best Car Insurance Companies in Illinois
| Average Price for State Minimum* | Average Price for Full Coverage* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Overall Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Country Financial | $438 | $1,648 | A+ | 850 | |
| Pin Geico | $267 | $928 | A++ | 837 | |
| Pin Farmers | $460 | $1,100 | A | 828 | |
| Pin Erie | $325 | $1,024 | A+ | 857 | |
| Pin Progressive | $525 | $1,299 | A+ | 842 |
Information accurate as of September 2021
*Data provided by Bankrate.com
**J.D. Power’s 2021 Auto Insurance Satisfaction Study for the North Central region. Based on a 1,000-point scale.
Country Financial
Best for Local Agents
Why we chose it
Why we chose it
Pros
- Above-average customer satisfaction
- Lots of discounts
Cons
- Not available in all states
- No rideshare coverage
Types of Coverage Offered
- Collision
- Comprehensive
- Uninsured & underinsured motorist
- Liability
- Medical payments
- New car coverage
- Emergency road service
- Vehicle rental and trip interruption
- Safety glass
- Personal effect
- Umbrella
Discounts Available
- Advanced quote
- Good driver
- Simply Drive course
- Engaged couple
- Multi-policy
- Legacy
- Multi-car
- Defensive driver
- Occupation
- Anti-theft
- Good student
- College graduate
Geico
Best for Customer Satisfaction
Why we chose it
Why we chose it
Pros
- Top-rated customer satisfaction
- Low annual premiums
- Many discounts available
Cons
- Few local agents available
- No gap coverage
Types of Coverage Offered
- Liability
- Medical
- Uninsured & underinsured motorist
- Collision
- Comprehensive
- Emergency road service
- Rental reimbursement
- Mechanical breakdown
Discounts Available
- Vehicle safety features
- Good driver
- Seat belt use
- Defensive driving
- Driver’s education course
- Good student
- Emergency deployment
- Federal employee
- Membership & employee
- Military
- Multi-vehicle
- Multi-policy
More Geico Insurance Reviews
Farmers
Best for Coverage Options
Why we chose it
Why we chose it
Pros
- Many coverage options
- Low annual premiums
- Above-average customer satisfaction
Cons
- Not available in all states
- No gap coverage
Types of Coverage Offered
- Liability
- Collision
- Comprehensive
- Uninsured & underinsured motorist
- Medical payments
- Personal injury protection
- Towing & roadside service
- Rental reimbursement
- Rideshare
- Loss of use
- Guaranteed value
- Customized equipment
- Personal umbrella
- Glass deductible buyback
- Full windshield and glass coverage
- Spare parts coverage
- Original equipment manufacturer
- New car replacement
- Accident forgiveness
Discounts Available
- Multi-line
- Multi-car
- Affinity member
- Paperless billing
- Good payer
- Safe driver
- Young driver discounts
- Shared family car
- Mature driver
- Homeowner
- Autopay
- Paid in full
- Vehicle safety features
More Farmers Insurance Reviews
Erie
Best for Steady Rates
Why we chose it
Why we chose it
Pros
- Erie Rate Lock
- Affordable annual premiums
- Excellent customer satisfaction
Cons
- Few digital tools
- Not available in all states
- Not many discounts
Types of Coverage Offered
- Transportation expense/rental car coverage
- Roadside assistance
- New car protection
- Better car protection
- Rideshare
Discounts Available
- Erie Rate Lock
- Multi-policy
- First accident forgiveness
- Diminishing deductible
- Vehicle storage
- Safety savings
- Payment perks
- Youthful driver discount
- College credit
More Erie Insurance Reviews
Progressive
Best for Digital Tools
Why we chose it
Why we chose it
Pros
- Excellent digital tools
- Many discounts available
- Coverage for high-risk drivers
Cons
- High annual premiums
- Below average customer satisfaction
- Discounts aren’t available in all states
Types of Coverage Offered
- Medical payments
- Roadside assistance
- Loan/lease payoff
- Rental car reimbursement
- Customer parts and equipment value
- Rideshare coverage
- Deductible savings bank
Discounts Available
- Multi-policy
- Multi-car
- Continuous insurance
- Safe driver
- Teen driver
- Distant student
- Quote and sign online
- Pay in full
More Progressive Insurance Reviews
* Data provided by Bankrate.com
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the North Central region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Illinois
Illinois drivers enjoy car insurance rates that are below the national average. According to 2021 data from Bankrate.com, Illinois’ average annual premiums are just $442 for the state’s minimum coverage and $1,485 for a full-coverage policy. The national average is $565 per year for minimum coverage and $1,674 per year for full coverage.
Top 3 Cheapest Car Insurance Companies in Illinois
| Company | Average Annual Minimum Coverage Premium* |
| Pekin | $230 |
| Geico | $267 |
| Mercury | $273 |
* Data provided by Bankrate.com, price based on the state minimum required policy.
Top 3 Most Expensive Car Insurance Companies in Illinois
| Company | Average Annual Minimum Coverage Premium* |
| The Hanover | $1,326 |
| AAA | $1,103 |
| American Family | $1,326 |
* Data provided by Bankrate.com, price based on the state minimum required policy.
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. Failure to maintain the minimum insurance required could result in a substantial fine.
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. The state has a low risk of natural disasters and a relatively average rate of uninsured drivers, both of which prevent prices from getting too high. Keep in mind that your car insurance rates will depend on other factors besides just your state. Your age, driving record, vehicle, credit score, and marital status will also likely have an impact on your rates.
High-risk drivers may apply for the Illinois Automobile Insurance Plan 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 also have the option of adding several add-ons to their policies. 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, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
As for average pricing, we used Bankrate.com’s data of car insurance in Illinois, based on the profiles of a 40-year male and female. For full coverage, the details used were 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 drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
About the Authors
Lena Borrelli is a freelance writer for Reviews.com. Over the last year, she has covered insurance, finance, and more. She has been featured in TIME with NextAdvisor, Bankrate, The Simple Dollar, MYMOVE, Million Mile Secrets, Coverage.com and more. My favorite article is “How to Invest in Real Estate During COVID?” on Reviews.com.
