The Best Car Insurance in Illinois for 2022
The best auto insurance companies in Illinois balance affordability, customer satisfaction and financial stability. Based on that criteria, the top insurer in the state is Erie. It received the highest user satisfaction and claims scores, tied second for financial stability and ranked fourth (out of 11) for affordability.
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MoneyGeek analyzed the top insurance companies in Illinois and found that Erie is the best overall. That said, the best option for you will depend on what factors you value most. MoneyGeek evaluated insurers for drivers focused on customer service, those on a budget, military families, students and more.
If you are planning on buying affordable car insurance, regardless of the quality of customer service, MoneyGeek also broke down the cheapest options in the state.
The Best Car Insurance in Illinois
Best Car Insurance Companies in Illinois: Overall
MoneyGeek rated the best auto insurance companies in Illinois based on multiple factors, including average rates, user satisfaction and claims rating.
Based on these, the best insurance providers in the state are:
- Erie: MoneyGeek score of 4.4 out of 5
- COUNTRY Financial: 4.4 out of 5
USAA got an overall score of 4.9 out of 5, which means it is the highest-rated company in Illinois. However, it was excluded from this analysis since its policies are exclusive to military families.
The Top 5 Car Insurance Companies in Illinois
Erie ranked first for claims and customer satisfaction, tied second for financial stability and was fourth in terms of affordability. The cost of a full coverage car policy from Erie averages $1,010 per year. The company also offers a better car replacement add-on.
Better car replacement insurance is part of Erie’s Auto Security. You get a replacement car of the newest model year if your new covered vehicle gets totaled within two years after purchase. The accident forgiveness coverage is an option that makes sure there is no premium increase after your first at-fault accident if you’ve been claims-free with Erie for three years.Read MoneyGeek's Erie auto Insurance Review
COUNTRY Financial has an average rate of $867 per year for full car insurance coverage, making it the second-best for affordability. It ranked second for claims, customer satisfaction and financial stability. It also offers safety glass coverage.
Safety glass insurance is an optional coverage that waives the comprehensive coverage deductible if the windshield, car windows or headlight covers need repair. Another add-on feature is the personal effects coverage, which pays for your personal property like a phone or laptop if stolen from your car. This coverage has a limit of $800.Read MoneyGeek's Country Financial auto Insurance Review
GEICO’s average annual rate is $789, the cheapest in the state. The company ranked first for financial stability and tied third for both claims and customer satisfaction. The company also offers mechanical breakdown insurance as an add-on.
The mechanical breakdown insurance (MBI) is an optional coverage that gives you a better deal than the typical dealer extended warranty. It is cheaper and includes all parts and systems instead of only specific items on a list. This insurance is available if you have a new or leased car less than 15 months old and with less than 15,000 miles.Read MoneyGeek's GEICO auto Insurance Review
State Farm ranked third for affordability with an average cost of $948 annually for full coverage. It ranked second for customer satisfaction and claims and tied third for financial stability. Policyholders can opt for rideshare insurance.
State Farm’s rideshare insurance makes sure your personal auto insurance policy’s coverages are in effect while you’re working for a ridesharing company. It also extends all coverages, except for the liability insurance, when you match with or are transporting a rider. You can also buy rental car expenses reimbursement, which covers car rental and travel expenses up to $500 if you are responsible for an accident in your rental car.Read MoneyGeek's State Farm auto Insurance Review
American Family ranked sixth for affordability, second for claims and financial stability and third for customer satisfaction. The company also has additional features like the original equipment manufacturer (OEM) coverage.
You can buy OEM coverage to ensure no aftermarket parts are used to repair your insured vehicle. The company also offers rideshare insurance, which makes sure you are still covered even while working for a ridesharing company. Another option is accident forgiveness coverage, which guarantees that your premium will not increase after an accident.Read MoneyGeek's American Family auto Insurance Review
MoneyGeek used full coverage policy quotes collected across various auto insurance providers in Illinois for a sample driver. Actual prices will depend on your background. Both J.D. Power customer satisfaction and NAIC claims scores were also used to determine the best full coverage car insurance in Illinois. For more details on the sample driver, policy and assumptions, check out MoneyGeek’s methodology.
MoneyGeek's Illinois Car Insurance Resources:
Compare the Best Insurance Options in Illinois
Among the factors that play a role in determining the best car insurance in Illinois are cost, quality service and financial stability. However, the most accurate policy is the one that has the combination and coverages that meet your unique needs. MoneyGeek’s in-depth review broke down various factors and evaluated companies to help you find the best provider.
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Best Car Insurance in Illinois for Customer Service
MoneyGeek ranked the top car insurance companies in Illinois according to claims scores and user satisfaction ratings.
This study showed that the best options considering customer service, regardless of costs, are:
- Erie: MoneyGeek score of 4.7 out of 5
- Hartford: MoneyGeek score of 4.5 out of 5
The Top 2 Car Insurance Companies in Illinois for Service Quality
Erie ranked first for customer satisfaction with a perfect score of 5. It ranked second for claims with a score of 4.5. An Erie policy is also affordable, which means you get superior service at an acceptable price.
Great customer service is quite important when choosing an insurer because you are likely to go to your provider in a time of crisis. Erie policyholders can get additional protection by purchasing add-on features. One of them is rental car expense coverage. With this, you can get reimbursement for your rental car expenses should your car need to be in the shop for repairs after an accident.Read MoneyGeek's Erie auto Insurance Review
Hartford received 4.5 out of 5 for both claims and customer satisfaction. It tied second in both categories.
Hartford customers can buy full glass coverage as an add-on feature. This insurance waives the deductible if the repair necessary after a covered accident is limited to your insured car’s headlights, mirrors and windows. The company also offers accident forgiveness, which prevents a surcharge in premiums after your first at-fault accident as long as you’ve maintained a clean driving record and are accident-free for five straight years.Read MoneyGeek's The Hartford auto Insurance Review
Best Car Insurance in Illinois for Drivers on a Budget
For some drivers, affordability is the biggest concern when looking for the best car insurance in Illinois. In such a case, the best option is to buy a state minimum policy.
The highest-rated companies for drivers on a budget in the state are:
- Erie: MoneyGeek score of 4.5 out of 5
- COUNTRY Financial: MoneyGeek score of 4.4 out of 5
MoneyGeek’s Pick: Illinois
Affordable minimum coverage policy at $459 per year.
Discounts for bundling, anti-theft system and full payment.
MoneyGeek claims rating of 4.5 out of 5.
MoneyGeek customer satisfaction rating of 5 out of 5.
No discounts for safe driving, paperless billing or defensive driving.
Erie policyholders can get significant savings by taking advantage of discounts such as bundling their auto insurance with other types of insurance the company offers.
You can also take advantage of discounts by installing an anti-theft system and having airbags. If you pay in full, you may also be eligible for significant discounts. The company values safety, so it also gives discounts to drivers with anti-lock brakes.
Best Car Insurance in Illinois for Poor Driving Records
Having an accident on your driving record will affect the cost of your auto insurance. MoneyGeek ranked the top car insurance companies in Illinois for drivers with an at-fault accident.
The two top-rated companies for Illinois residents with poor driving records are:
- Erie: MoneyGeek score of 4.6 out of 5
- COUNTRY Financial: MoneyGeek score of 4.5 out of 5
MoneyGeek calculated these scores based on a balance of affordability after an accident combined with customer service.
MoneyGeek’s Pick: Erie
Affordable full coverage policy for poor drivers at $1,319 per year.
Offers rental car reimbursement coverage, accident forgiveness, new car replacement and better car replacement.
MoneyGeek claims rating of 4.5 out of 5.
MoneyGeek customer satisfaction rating of 5 out of 5.
Does not offer accident forgiveness.
Erie has one of the best car insurance policies suitable for individuals with a poor driving record. 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 additional coverage for drivers who want 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.
Best Car Insurance in Illinois for a Military Background
For active-duty military personnel, veterans and their families, USAA offers the best car insurance in Illinois. Its overall MoneyGeek score is 4.9, higher than both Erie and COUNTRY Financial. It is the highest-rated company in the state, with a perfect score for financial stability, user satisfaction and claims.
The insurer offers affordable insurance for military members. The average cost of a state minimum policy at USAA is $411 per year, while a policy for drivers with an accident on record averages $1,247 annually.
MoneyGeek’s Pick: USAA
Affordable full coverage policy at $871 per year.
Offers rideshare insurance and loyalty discounts.
MoneyGeek claims rating of 5 out of 5.
MoneyGeek user satisfaction score of 5 out of 5.
Only military families are eligible for a policy.
USAA is almost always among the top car insurance companies when it comes to affordability. It also offers quality service in Illinois. Additionally, 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 makes sure you’re covered while you’re waiting for a rideshare request, which gap may not otherwise be covered even if you have standard USAA auto insurance.
- Accident forgiveness: This prevents policy surcharge for the first at-fault accident if the policyholder remains accident-free for five years.
- Loyalty discounts: USAA gives discounts if you remain a policyholder for a certain period.
- Military discount: If you're deployed or storing your insured car for any other reason, you could get up to 60% off. If you're garaging your car on a military installation, you could save up to 15%.
Best Car Insurance in Illinois for Young Drivers and Students
Finding affordable car insurance for first-time drivers, teen drivers and students can be challenging. MoneyGeek analyzed the best insurers in Illinois based on the average cost of car insurance for young drivers and customer service ratings.
Based on these factors, the best companies in Illinois are:
- Progressive: MoneyGeek score of 4.2 out of 5
- GEICO: MoneyGeek score of 4.2 out of 5
MoneyGeek’s Pick: Progressive
Most affordable rate for a young driver at $2,212 per year.
Good student and distant student discounts.
MoneyGeek user satisfaction rating of 4 out of 5.
No driver’s education discount.
MoneyGeek claims rating of 3.5 out of 5.
Generally, adding a young driver to a car insurance policy can be expensive. Despite that, Progressive balances affordability with great customer service. Customer service is an important consideration since you are likely to deal with your insurer during a stressful time.
Young drivers can save money if they qualify for Progressive’s student-related discounts. The good student discount rewards students who maintain a B average. Meanwhile, the distant student discount is for students whose school is 100 miles from home and who do not have a car at their school.
Best Car Insurance in Illinois for Those With New Cars
MoneyGeek evaluated the best car insurance companies in Illinois for new car owners. This rating is based on which providers ranked highly and also offer new car replacement and better car replacement coverages.
New car replacement covers the cost to replace a covered car with a brand new one of the same make and model if it gets totaled within the first few years. Some insurers also offer better car replacement coverage. This insurance allows the policyholder to replace a damaged car with a newer model.
Erie is the company with the highest rating based on this category. It has a MoneyGeek score of 4.4 out of 5.
MoneyGeek’s Pick: Erie
Affordable full coverage premium at $1,010 per year on average.
New car replacement.
Better car replacement.
MoneyGeek claims rating of 4.5 out of 5.
MoneyGeek user satisfaction rating of 5 out of 5.
Pricing may vary based on driving history
Erie is the best option for drivers looking for new and better car replacement coverages. 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 in an accident soon after you buy the covered 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 car 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.
Best Car Insurance in Illinois for Low-Mileage Drivers
Pay-per-mile auto insurance allows drivers to pay based on how many miles they drive. In Illinois, Metromile is the best option.
MoneyGeek’s Pick: Metromile Auto
Affordable rates for low-mileage car owners.
May be more expensive than standard insurance if you drive regularly.
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. Both your base rate and pay-per-mile rate are calculated on your age, credit history, type of vehicle and your driving history, and so are unique to you.
How to Find the Best Car Insurance in Illinois in For You
There are many factors to consider when shopping for the best auto insurance in Illinois. Consider providers that balance cost, quality of service and financial stability, and you’ll get a good overview.
MoneyGeek determined the best companies in the state based on these factors. You can also do additional research and compare options yourself.
Research Customer Service Reputations in Illinois
To help you find the best car insurance in Illinois, MoneyGeek collected quotes from various providers using a sample driver profile. The NAIC complaint ratios and J.D. Power customer satisfaction scores were also evaluated. To learn more about auto insurance in the state, visit the Illinois Department of Insurance.
Compare Quotes for Yourself
These insurance quotes are averages for MoneyGeek’s sample drivers. They are applicable in most of Illinois, but not everywhere. Comparing personalized quotes from at least three insurance companies in the state will help you get a better idea of how much your insurance policy might cost.
Make Sure the Company Has Coverages You Want in Illinois
While insurers advertise the coverages and discounts they offer, some features are not extended to every state. Make sure you confirm with insurance providers whether they offer what you are looking for in Illinois.
Double-Check Financial Stability Ratings
When comparing car insurance companies, you should also check their financial strength ratings. Financial stability shows you whether a company is capable of paying out claims. Typically, larger insurance companies tend to be financially stronger than regional insurers.
FAQs About the Best Car Insurance in Illinois
The features you are looking for will determine the best car insurance in Illinois for you. Below are some of the most common questions about auto insurance in the state to help you get started.
MoneyGeek gathered information on the average cost of auto insurance in Illinois across various providers in collaboration with Quadrant Information Services. These prices are based on a sample driver and policy as defined on MoneyGeek’s methodology page unless noted otherwise.
To calculate the scores, MoneyGeek evaluated ratings for customer satisfaction, claims and financial strength from industry-leading evaluations by J.D. Power, the National Association of Insurance Commissioners (NAIC) and Am Best. The coverages and discounts were collected from the insurance companies’ websites and quote tools.
About the Author
- USAA. "Vehicle storage discounts." Accessed October 15, 2021.