HomepageInsuranceCarBest Illinois Car Insurance Companies of 2021

Best Illinois Car Insurance Companies of 2021

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    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 and found the six best insurers in the Prairie State.

    The 6 Best Auto Insurance Companies in Illinois

    Compare the Best Car Insurance Companies in Illinois

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. 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$549.75$1,981.414.2A+850
    Pin Geico$709.95$2,170.184.2A++837
    Pin Farmers$698.81$1,922.183.8A828
    Pin Erie$714.90$2,305.964A+857
    Pin Travelers$633.27$1,759.854A++825
    Pin Progressive$1,032.53$2,749.204.4A+842

    Information accurate as of July 2021

    * Data provided by Coverage.com

    **J.D. Power’s 2021 Auto Insurance Satisfaction Study for the North Central region. Based on a 1,000-point scale.

    Country Financial

    Country Financial

    Best for Low Premiums

    Why we chose it

    Country Financial offers the most affordable rates for Illinois drivers for the state’s minimum liability coverage.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $549.75* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 850** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Country Financial offers the most affordable rates for Illinois drivers for the state’s minimum liability coverage.

    Pros

    • Low annual premiums
    • Above-average customer satisfaction
    • Lots of discounts

    Cons

    • Not available in all states
    • No rideshare coverage
    Read More

    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

    Geico

    Best for Customer Satisfaction

    Why we chose it

    Geico offers top-rated customer service at a competitive rate for Illinois drivers.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $709.95* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 837** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico offers top-rated customer service at a competitive rate for Illinois drivers.

    Pros

    • Top-rated customer satisfaction
    • Low annual premiums
    • Many discounts available

    Cons

    • Few local agents available
    • No gap coverage
    Read More

    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

    Farmers Insurance

    Best for Coverage Options

    Why we chose it

    Farmers offers more coverage options than any other carrier, with unique coverages including customized equipment and rideshare coverage.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $698.81* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate 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.
    • 828** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Farmers offers more coverage options than any other carrier, with unique coverages including customized equipment and rideshare coverage.

    Pros

    • Many coverage options
    • Low annual premiums
    • Above-average customer satisfaction

    Cons

    • Not available in all states
    • No gap coverage
    Read More

    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

    ERIE Insurance Auto

    Best for Drivers With Claims on Their Record

    Why we chose it

    Thanks to Erie Rate Lock, customers don’t have to worry about their rates automatically increasing after their first claim.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $714.90* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 857** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Thanks to Erie Rate Lock, customers don’t have to worry about their rates automatically increasing after their first claim.

    Pros

    • Erie Rate Lock
    • Affordable annual premiums
    • Excellent customer satisfaction

    Cons

    • Few digital tools
    • Not available in all states
    • Not many discounts
    Read More

    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

    Travelers

    Travelers

    Best for Discounts

    Why we chose it

    Travelers, which does business under the name Standard Fire Insurance Co. in Illinois, has some of the lowest rates available to Illinois drivers and offers lots of discounts to help customers save even more.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $633.27* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 825** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Travelers, which does business under the name Standard Fire Insurance Co. in Illinois, has some of the lowest rates available to Illinois drivers and offers lots of discounts to help customers save even more.

    Pros

    • Low annual rates
    • Many discounts available
    • Lots of coverage options

    Cons

    • Below average customer satisfaction
    • Poor claims satisfaction
    • Not available in all states
    Read More

    Types of Coverage Offered

    • Medical payments
    • Loan/lease gap
    • Rental coverage
    • Roadside assistance
    • New car replacement
    • Accident forgiveness
    • Rideshare

    Discounts Available

    • Multi-policy
    • Multi-car
    • Safe driver
    • Continuous insurance
    • Hybrid/electric vehicle
    • New car
    • Good student
    • Student away at college
    • Driver training
    • IntelliDrive

    More Travelers Insurance Reviews

    Progressive

    Progressive

    Best for Digital Tools

    Why we chose it

    Progressive has plenty of digital tools to help customers save, including its Snapshot and Name Your Price tools.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,032.53* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 842** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive has plenty of digital tools to help customers save, including its Snapshot and Name Your Price tools.

    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
    Read More

    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 Coverage.com, price based on the state minimum required policy.

    **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. Auto insurance rates in Illinois vary from just $462 for the state’s minimum coverage to $1,400 for a full-coverage policy. 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 help to determine your rates.

    Top 3 Cheapest Car Insurance Companies in Illinois

    CompanyAverage Annual Premium
    Country Financial$549.75
    Travelers$633.27
    Farmers$698.81

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Illinois

    CompanyAverage Annual Premium
    Auto Club Insurance Association$1,410.88
    Progressive$1,034.53
    American Family$838.47

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Illinois 

    CityAverage Annual Premium*
    Robinson$514.21
    MaComb$521.81
    Paris$534.33

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Illinois

    CityAverage Annual Premium*
    Lincolnwood$1,024.44
    Skokie$1,022.90
    Harvey$999.41

    * Data provided by Coverage.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

    Illinois’s At-Fault Law

    Illinois is an at-fault state when it comes to car insurance. As a result, each driver is responsible for covering any financial losses in an accident they cause. If a driver is found to be at-fault for an accident, their liability insurance will cover property damage and bodily injury to other drivers.

    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 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 

    What is the minimum car insurance required in Illinois?

    Illinois drivers must carry both bodily injury and property damage liability insurance in the following amounts: $25,000 for one person, $50,000 for all persons, $20,000 for property damage.

    What is the average auto insurance cost in Illinois?

    Drivers in Illinois can expect to pay as low as $462 and $1,400 for minimum coverage and full coverage insurance, respectively.

    What is the cheapest car insurance company in Illinois?

    Country Financial currently offers the cheapest car insurance in Illinois, with rates averaging $549.75.

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Illinois, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Illinois, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.

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