The Best Car Insurance in Illinois for 2023

COMPANY HIGHLIGHTS

Even though MoneyGeek found Erie's auto insurance coverage affordable, you can lower your insurance rates even more by utilizing the company's discounts. Erie policyholders can get significant savings by bundling. Policyholders can bundle their auto insurance for multiple vehicles or with other types of insurance like a renters policy.

You can also take advantage of discounts by installing an anti-theft system and having airbags. You may also be eligible for significant discounts if you pay in full. The company values safety, so it pays to have anti-lock brakes.

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Generally, adding a young driver to a car insurance policy can be expensive. Progressive’s customer service is a huge perk, especially if you are a young driver. Less experienced drivers are more likely to file claims. At the very least, experiencing an accident and having to file a claim can be a stressful experience, so you should select an insurer who will offer you a streamlined experience.

Young drivers can save money if they qualify for Progressive’s student-related discounts. The good student discount rewards students under 23 who maintain a B average or better, usually up to 10%. Meanwhile, the distant student discount is for students 22 years old or younger who attend school at least 100 miles away from home and who do not have a car at their school.

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In general, beginning at age 65, auto insurance rates increase with age. However, Erie offers reasonable pricing, considering its high-quality service and reputation for customer satisfaction.

By bundling car insurance with other forms of insurance, Erie clients can save a considerable amount of money. The installation of an anti-theft system and the presence of safety features like airbags and anti-lock brakes might also win you discounts. If you pay for the term in full at the time of purchase, you may be eligible for substantial discounts.

COMPANY HIGHLIGHTS

Erie has one of the best car insurance policies for individuals with poor driving records. The average cost of an Erie full coverage car insurance policy after an accident is $1,319 per year. While this is not the cheapest option in the state, the company balances the cost with its high-quality customer service. It ranked first for user satisfaction and claims as well.

The company offers add-ons for better protection, including:

• Rental Car Reimbursement: This pays for rental car expenses if your insured car is in the shop for repairs after a covered accident.
• Accident Forgiveness: This prevents the premium from increasing after your first at-fault accident if you’ve been with the insurer for three claims-free years.
• New Car Replacement: If you total your insured car (which you’ve had for less than two years), it will be replaced with a similar make and model.
• Better Car Replacement: If you’ve had your insured car longer than two years when it’s totaled, you’ll get a replacement model that’s two years newer.

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USAA is almost always among the top car insurance companies regarding affordability. It also offers quality service in Illinois. The company has one of the best reputations nationwide.

The insurer offers various coverages and discounts that will benefit Illinois drivers, such as:

• Rideshare Gap Insurance: USAA’s rider gap coverage ensures you’re covered while waiting for a rideshare request, which a standard USAA auto insurance may not otherwise cover.
• Accident Forgiveness: This prevents policy surcharges for the first at-fault accident. Generally, this coverage can be purchased or earned if the policyholder has remained accident-free for at least five years.
• Loyalty Discounts: USAA gives discounts to long-term policyholders.
• Military Discount: If you're deployed or storing your insured car for another reason, you could get up to 60% off. If you're garaging your vehicle on a military installation, you could save up to 15%.

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Erie is the best option for drivers looking for new and better car replacement features. The value of your car depreciates as soon as you drive it off the lot. These coverages will help you get a replacement if you get into an accident shortly after buying a car.

Erie offers both new car replacement and better car replacement.

• New Car Replacement: This insurance covers the replacement cost of a brand new car with a similar make and model if your covered vehicle is totaled within two years of purchase.
• Better Car Replacement: If you’ve had your insured car for more than two years, this policy add-on will replace it with a model that is two years newer.

COMPANY HIGHLIGHTS

Metromile allows low-mileage drivers to save money on insurance. With this type of insurance, you start by paying one month’s base rate. After that, you will be charged for the base rate plus miles driven the month before. Your base rate and pay-per-mile rate are calculated based on your age, credit history, type of vehicle and driving record.

When you first switch to Metromile, you will be charged the basic fee for the first month. Metromile, like other insurance providers, evaluates many factors when generating a base rate, including the driver's age, credit history, vehicle type and driving record, among others.

At the end of the month, you will be charged the following month's base cost plus your per-mile fee for any miles driven during the previous month. Your pay-per-mile rate is also unique, depending on the above-mentioned parameters.