BestCar InsuranceIllinoisBest Car Insurance in Illinois (May 2023)
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When it comes to car insurance, Country Financial is best for full coverage, minimum coverage, seniors and military members in Illinois.
American Family is ideal for young adults and drivers with violations. Westfield offers the best customer service, while Travelers is best for individuals with new cars.
If you want the most affordable auto insurance in Illinois, regardless of service quality, we found the top options.
BestCar InsuranceIllinoisBest Car Insurance in Illinois
Best Overall - Country Financial
Best for Service - Westfield
Best for Minimum Coverage - Country Financial
Best for Young Adults - American Family Insurance
Best for Seniors - Country Financial
Best for Driving Offenses - American Family Insurance
Best for New Cars - Travelers
Best for Military - Country Financial
Best Overall for Car Insurance in Illinois
We found that Country Financial provides the best full coverage auto insurance in Illinois. According to our analysis, these companies stood out as the best:
- Country Financial: MoneyGeek score of 93 out of 100 (approximately $663 per year)
- American Family: MoneyGeek score of 92 out of 100 (approximately $703 per year)
Country Financial outperforms 14 of the state's top competitors because it offers the optimal combination of affordability and client satisfaction. However, if you want to save money, you can choose the cheapest full coverage auto insurance in Illinois.
MoneyGeek Top Pick
COMPANY HIGHLIGHTS
Country Financial performed best for both its outstanding customer satisfaction and its affordable insurance options. With an average annual premium of $663 for full coverage insurance, it is the state's cheapest insurer. However, this insurer offers a limited number of coverages.
You can add some special coverages from Country Financial to your policy, including glass deductible modification and portable electronics and media coverage. Glass deductible modification coverage helps in the event that your windshield, windows or headlight covers require repair. Meanwhile, portable electronics and media coverage protects you up to $800 if items such as your phone or laptop are stolen from your vehicle.
In addition, Country Financial offers new car replacement coverage in which the insurer will pay for a brand-new automobile of the same make and model. The insurer also provides coverage for roadside assistance and rental car and/or travel reimbursement.
With roadside assistance coverage, you will be reimbursed up to $100 for towing, fuel delivery, repair components and labor services if you’re stranded on the side of the road or you lock your keys in the car. All of these policies can result in long-term cost savings and increased convenience.
MoneyGeek Runner-Up
COMPANY HIGHLIGHTS
Based on our analysis, American Family is the second-best option in Illinois due to its competitive pricing and coverage options. This insurer offers affordable full coverage insurance in Illinois, averaging $703 per year. It offers accident forgiveness.
American Family's accident forgiveness coverage is a policy add-on that can help protect you from the financial consequences of an at-fault accident. It's a valuable addition to your auto insurance policy and can provide peace of mind to drivers who want to be protected from unexpected accidents.
Auto death indemnity coverage is also available from American Family. This type of coverage provides financial assistance in the event of death or certain injuries caused by a vehicle collision, regardless of fault. This coverage can help ease the financial burden on you and your loved ones during a difficult time.
American Family also offers roadside assistance coverage that you can add to your auto policy at an affordable cost. With this coverage, all it takes is a single call to get you back on the road and back to pursuing your dreams. It can help you avoid the stress and inconvenience of being stranded on the side of the road.
How the Best Insurers in Illinois Rank: MoneyGeek Scores and Costs
We determined that, of the 14 vehicle insurance companies in Illinois, Country Financial delivers the best value for the money and the best customer service. According to our analysis, American Family is also a formidable competitor, as its rates are among the lowest.
Consider companies like Erie and Auto-Owners Insurance Co if you want better claims management experience at reasonable rates.
For an insurance company to obtain a MoneyGeek score, it must have sufficient data for all factors. The rates shown apply to full coverage policies.
Best Car Insurance in Illinois for Customer Service
MoneyGeek discovered that regardless of price, Westfield is the best auto insurer in Illinois for customer service. Here are the top options in the state for service quality:
- Westfield: MoneyGeek score of 91 out of 100 (approximately $863 per year)
- Erie: MoneyGeek score of 91 out of 100 (approximately $844 per year)
Westfield scored well in satisfaction and coverage but tends to be a bit higher in terms of cost than some of the other insurers in the state.
pros
Offers coverage package
Scored well for customer satisfaction
Good coverage rating
cons
Offers expensive rates compared to other insurers
No discounts
Ranked lower in claims
COMPANY HIGHLIGHTS
Westfield's combination of coverage options and exceptional customer service makes it a great option for the majority of drivers. Our analysis utilizing data from J.D. Power surveys and the NAIC's customer complaint index indicates that this insurer has the highest customer satisfaction rating.
When you bundle your home and auto coverages, Westfield offers a coverage package that provides more than a standard auto insurance policy. Loan/lease coverage, trip protection coverage and replacement cost coverage are available as additional coverage options through Wespak.
Additionally, the insurer offers gap coverage as an add-on to your auto policy. It handles the payment of the $5,000 balance, which can provide great financial peace of mind. However, Westfield’s average rate for full coverage is $863, which is higher than what the majority of insurers charge.
What Makes an Insurer the Best for Customer Service?
An ideal auto insurance provider is courteous and prompt in responding to your inquiries. Additionally, they must be able to pay your authorized claim as fast as possible.
We ultimately chose Westfield as our top alternative since it obtained the highest scores in the customer satisfaction category. The runner-up did score higher in claims and affordability.
Best Car Insurance in Illinois for Minimum Coverage
Comparing the cheapest liability insurance policies available in Illinois, we discovered that Country Financial offered the optimal balance between affordability and customer service.
The top insurers for minimum coverage include:
- Country Financial: MoneyGeek score of 92 out of 100 (approximately $247 per year)
- Westfield: MoneyGeek score of 91 out of 100 (approximately $300 per year)
Country Financial scored well for affordability and customer service. Minimum coverage insurance might be the most affordable option for the majority of drivers, but it offers no protection against liability claims and no compensation for damage to your vehicle.
If you're looking for alternatives, MoneyGeek compared the best-rated cheap minimum auto insurance companies in Illinois.
pros
An affordable minimum coverage policy costs about $247 per year
Offers discounts for insuring safe driving, having an anti-theft system and marriage
Scored well for customer satisfaction
High score in affordability
cons
Lacks discounts for going paperless or making full payments
Claims processing could be improved
Lower coverage score
COMPANY HIGHLIGHTS
If you just require the bare minimum for insurance coverage, Country Financial's rates are already fairly affordable. They become even more affordable thanks to discounts. You may be eligible for a discount if you bundle your policies, drive safely or have anti-theft systems installed in your vehicle.
Unlike most other vehicle insurance companies, there are no discounts for paying in full or even for going paperless.
J.D. Power has also ranked Country Financial higher for customer satisfaction. This is an encouraging indicator that the insurance company would provide its clients with quality service at a reasonable price. Despite this, the insurer's claims processing may not be the most effective, and the coverage options are lacking.
What Makes an Insurer the Best for Minimum Coverage?
Some drivers might be unable to afford full coverage due to its cost. The cost of a minimum coverage policy, which provides the legal minimum amount of coverage, can be reduced via discounts.
Country Financial's minimum coverage insurance is the best in the state, but the runner-up did score better in terms of customer satisfaction, claims and coverage options.
Best Car Insurance in Illinois for Young Adults
American Family is the best car insurance provider for young adults in terms of pricing and coverage options. The following companies are the best for young adults in Illinois:
- American Family: MoneyGeek score of 92 out of 100 (approximately $753 per year)
- Country Financial: MoneyGeek score of 91 out of 100 (approximately $852 per year)
American Family scored well in affordability and coverage options. Drivers in their 20s generally pay less for car insurance than teen drivers but more than middle-aged drivers. The best way to save money is to compare quotes from different companies offering cheap car insurance for young drivers in Illinois.
pros
Perfect score in affordability, costing around $753 annually
Perfect score for coverages
Good student and distant student discounts
cons
Low claims management score
Lower customer satisfaction score
COMPANY HIGHLIGHTS
We compared the prices of 14 different insurance companies and determined that American Family has the most affordable rates overall. The insurer offers multiple discounts for young adults, including a distant student discount and a good student discount.
In addition, drivers who participate in automatic funds transfer (AFT) or recurring electronic payments may be eligible for a discount. American Family also received a perfect score for coverage options, as it provides a vast array of coverage options, including original equipment manufacturer (OEM) coverage. You can purchase this additional coverage to ensure that your vehicle will not be repaired with aftermarket parts.
If you are considering obtaining a policy from this insurer, you should be aware that it received a lower score for its claims-handling processes. Its customer service score is also lower than some of its competitors.
What Makes an Insurer the Best for Young Adults?
An excellent policy for young adults maximizes savings and discounts while maintaining reliable service and adequate coverage. Comparing auto insurance rates will help you determine which companies offer discounts for young drivers.
American Family provided the best combination of affordable premiums, extensive coverage options and discounts for young adults, according to our analysis. Country Financial, the runner-up, provides superior customer service.
Best Car Insurance in Illinois for Seniors
Country Financial is our top recommendation for auto insurance in Illinois for seniors. In this category, we prioritized affordability and service quality for drivers over the age of 60. For seniors, the winner and runner-up are:
- Country Financial: MoneyGeek score of 93 out of 100 (approximately $610 per year)
- American Family: MoneyGeek score of 91 out of 100 (approximately $684 per year)
Country Financial scored well for affordability and customer satisfaction among the 14 insurers evaluated. Insurance prices for drivers in their 60s are comparable to those in their 30s through 50s but tend to increase in their 70s. You can shop around to find cheap auto insurance for seniors in Illinois.
pros
Cheapest full coverage rate in Illinois for seniors at around $610 per year
High customer satisfaction rating
cons
Coverage options are limited
Claims processing can be improved
COMPANY HIGHLIGHTS
Country Financial's premiums for senior drivers are the cheapest of the 14 Illinois insurance companies we evaluated. These already reasonable charges can be made even more economical by taking advantage of the numerous discounts it provides.
Customers of Country Financial can cut their premiums in a variety of ways, such as by signing early, installing anti-theft systems on their vehicles, insuring multiple vehicles or bundling their policies.
According to the latest data from J.D. Power, it is also the insurer with the greatest quality of customer service. However, you should be aware that Country Financial offers just a limited number of add-on coverages, like roadside assistance and glass deductible modification. This may be sufficient for the majority of senior drivers, but the runner-up could be a better choice if you need more protection.
What Makes an Insurer the Best for Seniors?
Despite the fact that statistics indicate that seniors are among the safest drivers on the road, their age makes them more susceptible to suffering severe injuries. For older drivers, a cheap full coverage policy that includes personal injury protection (PIP) may be the best option.
Country Financial, our top option, does not offer senior-specific discounts, but it is the cheapest full coverage insurer in Illinois for seniors with basic add-ons and coverage. The runner-up offers more coverages and better claims processing.
Best Car Insurance in Illinois for Drivers With Offenses
American Family is the ideal option for drivers in Illinois with traffic violations. Based on price and customer satisfaction, the following are the best options:
- American Family: MoneyGeek score of 92 out of 100 (approximately $838 per year)
- Country Financial: MoneyGeek score of 91 out of 100 (approximately $941 per year)
American Family is the cheapest option of the 14 providers we researched and scored well for coverage options. Due to the fact that the average premium in Illinois increases by $179 after a speeding ticket, $331 after an at-fault accident and $453 after a DUI, it is imperative that drivers with offenses get affordable auto insurance after an incident in Illinois.
pros
Has the cheapest premiums at around $838 per year
Perfect rating for coverage options
Offers roadside assistance, rental car reimbursement and accident forgiveness
cons
Doesn’t offer new car replacement coverage
Claims management can be improved
Lower satisfaction score
COMPANY HIGHLIGHTS
American Family offers the most affordable rates for full coverage to Illinois drivers with less-than-perfect driving records. Although ratings for customer service are decent, claims processing can be enhanced. The insurer provides a variety of discounts, including a discount for new customers who switch from a competitor to American Family.
Drivers that utilize automatic funds transfer (AFT) or recurring electronic payments may also qualify for a discount. American Family also achieved a perfect grade for coverage options since it offers an extensive selection of coverage options, including original equipment manufacturer (OEM) coverage.
This supplementary coverage can be purchased to ensure that your car will not be fixed with aftermarket parts. This insurer also provides auto death indemnity coverage, which assists with payment in the event of death as well as certain injuries caused by a collision, regardless of who is at fault.
What Makes an Insurer the Best for Drivers With Offenses?
Typically, drivers with traffic offenses will pay a higher premium than those with a clean record. A reputable insurer for these drivers will offer accident forgiveness and car replacement at discounted prices.
American Family provides accident forgiveness and auto death indemnity coverage, making it an ideal option for drivers with traffic infractions. The runner-up might be better if you want better customer service.
Best Car Insurance in Illinois for Drivers With New Cars
According to MoneyGeek's study, Travelers is the top option among insurers that offer new or better car replacement. This category's ranking was determined by cost and quality of service for Illinois drivers using a 2022-model-year vehicle. It was also limited to insurance companies that provide better or new car replacement. The following are our top recommendations:
- Travelers: MoneyGeek score of 91 out of 100 (approximately $938 per year)
- Allstate: MoneyGeek score of 76 out of 100 (approximately $1,556 per year)
Travelers has the cheapest rates in Illinois and scored well for coverage options. If your vehicle is totaled, the insurance provider will replace it with a brand-new vehicle of the same make and type. You will be provided a car that is one model year newer if you have better car replacement insurance.
pros
Offers the cheapest rates at $938 per year on average
Offers new car replacement
Above average ratings on coverage options
cons
Claims management can be improved
Lower score on customer satisfaction
COMPANY HIGHLIGHTS
Since Travelers' has the lowest annual rates for drivers with new vehicles, we recommend it to drivers who have just bought a new car. While most auto insurance policies would only pay out the vehicle's depreciated value if your brand-new car is fully damaged, Travelers' new car replacement will pay to replace your car with a brand-new car of the same make and model if it is completely destroyed during the first five years.
Roadside assistance, rental car reimbursement, accident forgiveness, new car replacement, gap insurance and rideshare insurance are among the supplementary coverages offered by Travelers.
On the other hand, the insurer does not provide better car replacement coverage. Even though J.D. Power awarded Travelers high ratings for customer satisfaction, the insurance provider's claims administration is subpar.
What Makes an Insurer the Best for Drivers With New Cars?
The purchase of a new vehicle is a significant investment, and drivers should take efforts to protect it. This is an essential option for these drivers and a reputable insurance provider will offer it. Travelers has the most affordable new car replacement insurance in Illinois. The runner-up does offer better customer satisfaction.
Best Car Insurance in Illinois for Military Drivers
With a MoneyGeek score of 93 out of 100, Country Financial is the best auto insurance provider in Illinois for military members. The average annual premium for full coverage of Country Financial is $663, the lowest in Illinois.
While USAA scores lower on MoneyGeek in Illinois than Country Financial, it is the best insurer for military families in the majority of states since it caters to military consumers.
pros
Ranks number 1 out of 13 in customer satisfaction.
Ranks number 4 out of 13 in affordability, with premiums averaging $878 per year.
Provides accident forgiveness coverage as an add-on.
cons
Below-average ratings for claims management and coverage options.
Doesn’t offer gap insurance or OEM insurance coverage.
COMPANY HIGHLIGHTS
According to a study by J.D. Power and the NAIC, Country Financial is among the most customer-satisfying companies. Country Financial offers the most affordable full coverage insurance packages in Illinois, in addition to its exceptional service.
You may add glass deductible modification coverage and portable electronics and media coverage to your policy with Country Financial. Glass deductible modification coverage assists if your windshield, windows or headlight covers require repair. The portable electronics and media coverage protects you for up to $800 if your phone or laptop is stolen from your car.
In addition, Country Financial provides new car replacement coverage, which specifies that the provider will pay for a brand-new vehicle of the same make and model in the event that the policyholder's vehicle is totaled.
How to Find the Best Car Insurance in Illinois for You
MoneyGeek gathered quotes to assist you in choosing an insurance policy that meets your requirements and profile. However, the perfect auto insurance policy is one that satisfies all your demands without exceeding your budget. If you prefer to conduct your own research, these steps can help.
1
Research customer service reputations in Illinois
MoneyGeek compiled this ranking of the best insurance providers in Illinois based on data from the NAIC Consumer Complaint Index and the J.D. Power Customer Satisfaction Report. You can rely on the recommendations of these reputable, impartial organizations while evaluating insurance providers. The website of the Illinois Department of Insurance contains additional information regarding certain insurers.
2
Compare quotes
The quotes that MoneyGeek provides are representative of the average rates paid by sample drivers in Illinois, but they may not be an accurate reflection of your unique premium. Compare quotes from at least three different providers to estimate the approximate cost of auto insurance.
3
Find the coverages you want in Illinois
Some insurers that advertise online offer state-specific coverage and discounts. It is worth your time to visit the insurance company's website to learn more about the policies it offers and the discounts you may be eligible for. Contact the insurance company in order to confirm their online promotions.
4
Check financial stability ratings
A company's ability to pay out claims submitted by policyholders can be determined by examining its financial strength rating. The majority of auto insurers are large, diversified businesses that pose little risk of bankruptcy or inability to pay claims. However, this is essential to verify prior to purchasing insurance, particularly from a local or regional provider. These may have low financial stability ratings.
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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in Illinois
Your requirements and preferences will determine which car insurance policy in Illinois is optimal for you. The following are answers to the most frequently asked questions.
Experts' Insights on Finding the Best Car Insurance in Illinois
- What is the best way to figure out which insurer is best for me in Illinois?
- What are the best coverages to add to your car insurance policy in Illinois?
David Miller
Vice President, Client Executive at Plexus Groupe
About Mark Fitzpatrick
sources
- J.D. Power. "2022 U.S. Auto Insurance Study." Accessed January 30, 2023.
- Illinois Department of Insurance. "Auto Insurance Shopping Guide." Accessed May 9, 2023.