Auto-Owners leads Illinois car insurance providers with a MoneyGeek score of 4.71 out of 5, balancing strong customer service with competitive rates. Since insurance needs vary by driver, we also recommend considering GEICO, Travelers, Erie and Progressive.
Best Car Insurance in Illinois
Updated: August 26, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Illinois is Auto-Owners, leading the pack with top customer experience ratings.
Erie offers the best car insurance for drivers with bad credit in Illinois, while Auto-Owners is the top choice for those with older vehicles.
Illinois drivers can secure better rates by deciding on coverage needs first, researching provider options and comparing plenty of quotes before making a decision.
Best Car Insurance Companies in Illinois
| Auto-Owners | 4.71 | $54 | 1 | 6 |
| GEICO | 4.57 | $50 | 6 | 7 |
| Travelers | 4.42 | $67 | 3 | 5 |
| Erie | 4.42 | $70 | 2 | 3 |
| Progressive | 4.12 | $82 | 4 | 2 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Illinois by Driver Profile
Auto-Owners leads Illinois car insurance, winning five out of ten categories including young drivers and accident coverage. Erie tops two categories for bad credit and low-income drivers, while GEICO, Progressive and Travelers each win one category.
| Young Drivers | Auto-Owners | 1 | 1 | 6 |
| Adult Drivers | Auto-Owners | 2 | 1 | 6 |
| Senior Drivers | GEICO | 1 | 6 | 7 |
| Drivers With an Accident | Auto-Owners | 1 | 1 | 6 |
| Drivers With a DUI | Progressive | 2 | 4 | 2 |
| Drivers With a Speeding Ticket | Auto-Owners | 1 | 1 | 6 |
| Drivers With Bad Credit | Erie | 4 | 2 | 3 |
| Drivers With Low Income | Erie | 4 | 2 | 3 |
| Drivers With Newer Cars | Travelers | 2 | 3 | 5 |
| Drivers With Old Cars | Auto-Owners | 1 | 1 | 6 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Illinois Car Insurance Recommendations
Our general recommendations provide a starting point, but your unique profile might need different insurance providers. Compare these five top-rated companies to find coverage that matches your specific needs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Erie | 4.53 | $263 | 2 | 3 |
| Auto-Owners | 4.50 | $254 | 1 | 6 |
| Travelers | 4.43 | $276 | 3 | 5 |
| Country Financial | 4.37 | $167 | 10 | 5 |
| Farmers | 4.20 | $330 | 9 | 1 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Illinois Car Insurance Reviews
See detailed breakdowns below for our top insurance companies in each rating category.
Auto-Owners
Best Customer Experience in Illinois
MoneyGeek Rating
4.7/ of 5
4.8/5Affordability
5/5Customer Experience
3/5Coverage Options
Average Monthly Full Coverage Cost
$75For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$32For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
GEICO
Best Cheap Car Insurance in Illinois
MoneyGeek Rating
4.6/ of 5
5/5Affordability
4.4/5Customer Experience
2.5/5Coverage Options
Average Monthly Full Coverage Cost
$69For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$30For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Mechanical Breakdown Insurance
How to Find the Best Car Insurance in Illinois
Finding the right car insurance in Illinois can be challenging. Our guide helps you compare options and choose coverage that fits your needs and budget.
- 1
Decide on Coverage Needs Before You Buy
You may overpay if you don't know what coverage you need. Consider your driving habits, location and finances when deciding the level of auto insurance you need while meeting Illinois required minimums.
- 2
Research Average Costs and Discounts
Research average car insurance costs in Illinois for your driver profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a state-approved defensive driving program can also reduce your premiums .
- 3
Evaluate Provider Reputation and Coverage Options
Research customer experiences to avoid companies with poor claims handling and to find coverage options.
- 4
Explore Alternative Coverage Types
Consider specialized options like non-owner car insurance or pay-per-mile policies if they better suit your situation. If you need an SR-22 in Illinois, remember that this requirement affects which providers will work best for you.
- 5
Compare Multiple Quotes
Shopping around is crucial to finding the cheapest option possible. Get quotes through different channels including independent agents, direct from insurers and comparison websites since rates can vary between these sources.
- 6
Review Coverage Annually
Compare quotes and review your coverage needs yearly to find the best choice.
Best Illinois Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Auto-Owners is the top-rated company overall, while GEICO and Travelers are also good options for drivers in Illinois.
Best Auto Insurance in Illinois: FAQ
Finding the right car insurance starts with understanding your specific needs, so we've gathered answers to common questions that will guide your coverage decisions.
What is the best car insurance company in Illinois?
Auto-Owners leads Illinois auto insurance providers with an average monthly premium of $75 for full coverage.
What is the best car insurance company for minimum coverage in Illinois?
GEICO offers the lowest rates for minimum coverage in Illinois, with average premiums starting at $364 per year.
What is the best car insurance in Illinois for young drivers?
Auto-Owners offers the best insurance for young adults in Illinois, combining competitive rates around $78 per month with excellent customer service ratings.
What is the best car insurance for Illinois drivers who value customer service?
Auto-Owners leads customer experience in Illinois with a 5 out of 5 rating. The company excels in their purchase experience, agent support, policy tools and claims handling.
What is the best car insurance in Illinois if you have driving offenses?
For Illinois drivers with a traffic violation, Auto-Owners offers competitive rates at $37 monthly for minimum coverage and $84 for full coverage auto insurance policies.
How We Rated the Best Car Insurance in Illinois
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Illinois. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Illinois. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Illinois-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.