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
- Country Financial: Best for low premiums
- Geico: Best for customer satisfaction
- Farmers: Best for coverage options
- Erie: Best for drivers with claims on their record
- Travelers: Best for discounts
- Progressive: Best for digital tools
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 | $1,981.41 | 4.2/5 | A+ | 840 | |
| Pin Geico | $709.95 | $2,170.18 | 4.6/5 | A++ | 851 | |
| Pin Farmers | $698.81 | $1,922.18 | 4.2/5 | A | 831 | |
| Pin Erie | $714.90 | $2,305.96 | 4/5 | A+ | 846 | |
| Pin Travelers | $633.27 | $1,759.85 | 4.2/5 | A++ | 828 | |
| Pin Progressive | $1,032.53 | $2,749.20 | 4.4/5 | A+ | 824 |
Information accurate as of February 2021
* Data provided by Coverage.com
**J.D. Power’s 2020 Auto Insurance Satisfaction Study for the North Central region, based on a 1,000-point scale with an average of 830.
Country Financial
Best for low premiums
Why we chose it
Why we chose it
Pros
- Low annual premiums
- 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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study for the North Central region. Based on a 1,000-point scale.
Further Reading on Country Financial:
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study for the North Central region. Based on a 1,000-point scale.
Further Reading on Geico:
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study for the North Central region. Based on a 1,000-point scale.
Further Reading on Farmers:
Erie
Best for drivers with claims on their record
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study for the North Central region. Based on a 1,000-point scale.
Further Reading on Erie:
Travelers
Best for discounts
Why we chose it
Why we chose it
Pros
- Low annual rates
- Many discounts available
- Lots of coverage options
Cons
- Below average customer satisfaction
- Poor claims satisfaction
- Not available in all states
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study for the North Central region. Based on a 1,000-point scale.
Further Reading on Travelers:
- Travelers Auto Insurance Review
- Travelers Homeowners Insurance Review
- Travelers Renters Insurance Review
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study for the North Central region. Based on a 1,000-point scale.
Further Reading on Progressive:
- Progressive Auto Insurance Review
- Progressive Homeowners Insurance Review
- Progressive Renters Insurance Review
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
| Company | Average 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
| Company | Average 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
| City | Average 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
| City | Average 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.
