Illinois Car Insurance Quotes: Compare State Farm, Allstate and More

Where should you start when getting car insurance quotes in Illinois? To help you narrow down your search, MoneyGeek collected and averaged quotes for multiple driver profiles from various big insurers in Illinois, including Progressive, Allstate and State Farm.

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Last Updated: 4/7/2022
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Ideally, you can obtain a car insurance quote online from an insurance company in about two to four minutes. To help you quickly compare insurance providers in Illinois, MoneyGeek collected quotes for different types of drivers.

MoneyGeek’s research shows quotes vary depending on a driver’s profile; they can range from $480 to $10,452. For example, a 40-year-old SUV driver with a clean record, an excellent credit score and a state minimum policy may pay around $480 per year. Meanwhile, a 20-year-old luxury sedan driver with a DUI, a poor credit score and a full coverage policy may pay around $10,452 per year.

Car Insurance Quotes in Illinois by Company

MoneyGeek found that the leading car insurance companies in Illinois by market share are State Farm, Allstate and Progressive. We gathered insurance quotes in Illinois from these providers and other companies across various profiles, considering age, credit score and driving record.

To help you get car insurance at the lowest price, MoneyGeek uncovered the cheapest car insurance in Illinois. If you want to see how much car insurance premiums can vary for numerous reasons, you can check out our average cost of car insurance in Illinois guide.

Note that MoneyGeek calculated insurance quotes without discounts.

MoneyGeek collected thousands of car insurance quotes in Illinois. Toggle your driver characteristics to personalize quotes for a better estimate of your rates.

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Compare Illinois Car Insurance Quotes

Customize the toggles and get Illinois car insurance quotes that fit your profile

State Farm Car Insurance Quotes in Illinois

The average cost of car insurance in Illinois from State Farm is $948 per year. The company offers the cheapest premium, around $383 per year, for a 40-year-old SUV driver with a clean driving record, excellent credit score and state minimum insurance.

You can expect the most expensive premium of roughly $5,475 a year if you’re a 20-year-old luxury sedan driver with an accident on your record, a poor credit score and full coverage.

Using the table below, you can choose the appropriate characteristics based on your profile and compare the cost of state minimum to full coverage.

State Farm Car Insurance Quotes in Illinois

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  • Coverage Level
    State Farm Average Annual Quote
  • State Minimum Liability
    $468
  • 100/300/100 Comprehensive/Collision
    $977

Allstate Car Insurance Quotes in Illinois

In Illinois, Allstate charges around $1,177 annually for a car insurance policy. You may get the cheapest quoted rate of roughly $474 per year if you are a 40-year-old SUV driver with a clean driving record, an excellent credit score and state minimum insurance.

On the other hand, Allstate’s most expensive annual price is around $10,136 for a 20-year-old luxury sedan driver with an accident on their record, a poor credit score and full coverage.

In the table below, you can see the characteristics that match your profile and compare the cost of a state minimum policy to a full coverage insurance policy.

Allstate Car Insurance Quotes in Illinois

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  • Coverage Level
    Allstate Average Annual Quote
  • State Minimum Liability
    $579
  • 100/300/100 Comprehensive/Collision
    $1,212

Progressive Car Insurance Quotes in Illinois

A Progressive car insurance policy in Illinois costs $1,015 per year on average. You can get a quote for as low as $523 a year if you are a 40-year-old SUV driver with a clean record, an excellent credit score and a state minimum policy. Meanwhile, if you are a 20-year-old luxury sedan driver with an accident on your record, a poor credit score and full coverage, you may pay as much as $7,769 per year.

Choose the appropriate characteristics based on your profile in the table below to compare the cost of state minimum insurance to a full coverage policy.

Progressive Car Insurance Quotes in Illinois

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  • Coverage Level
    Progressive Average Annual Quote
  • State Minimum Liability
    $639
  • 100/300/100 Comprehensive/Collision
    $1,046

GEICO Car Insurance Quotes in Illinois

In Illinois, GEICO has an average car insurance cost of $789 per year. The cheapest coverage, roughly $309 annually, is available for a 40-year-old SUV driver with a clean record, excellent credit score and state minimum insurance. But, a 20-year-old luxury sedan driver with a DUI, poor credit score and full coverage may pay the highest premium of roughly $8,709 per year.

The table below lets you choose the characteristics that apply to your profile and see the cost difference between a state minimum and a full coverage policy.

GEICO Car Insurance Quotes in Illinois

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  • Coverage Level
    GEICO Average Annual Quote
  • State Minimum Liability
    $377
  • 100/300/100 Comprehensive/Collision
    $813

Country Financial Car Insurance Quotes in Illinois

Country Financial’s average auto insurance cost in Illinois is $867 per year. If you’re a 40-year-old SUV driver with a clean record, an excellent credit score and a state minimum policy, you could obtain the lowest quote of roughly $324 annually.

However, if you are a 20-year-old luxury sedan driver with a DUI, a poor credit score and full coverage, you can pay as high as $5,814 per year.

Use the table below to pick the best characteristics that match your profile and compare the state minimum cost to a full coverage policy.

Country Financial Car Insurance Quotes in Illinois

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  • Coverage Level
    Country Financial Average Annual Quote
  • State Minimum Liability
    $396
  • 100/300/100 Comprehensive/Collision
    $893

American Family Car Insurance Quotes in Illinois

Car insurance from American Family in Illinois can cost around $1,077 per year. The cheapest quoted premium is around $478 a year for a 40-year-old SUV driver with a clean record, excellent credit score and state minimum policy.

American Family charges the most expensive premium, about $12,845 annually, to a 20-year-old luxury sedan driver with a DUI, poor credit score and full coverage.

Choose the characteristics that match your profile in the table below to compare the price of state minimum coverage to full coverage.

American Family Car Insurance Quotes in Illinois

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  • Coverage Level
    American Family Average Annual Quote
  • State Minimum Liability
    $583
  • 100/300/100 Comprehensive/Collision
    $1,110

Farmers Car Insurance Quotes in Illinois

The average car insurance cost in Illinois with Farmers is $1,337 per year. The cheapest quote, at roughly $674 a year, is available for a 40-year-old SUV driver with an excellent credit score, clean driving record and state minimum coverage.

The most expensive insurance policy from Farmers is around $9,917 per year for a 20-year-old luxury sedan driver that has a poor credit score, an accident on their record and full coverage.

In the table below, you can see the characteristics that best match your profile and compare the cost of a state minimum policy to full coverage.

Farmers Car Insurance Quotes in Illinois

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  • Coverage Level
    Farmers Average Annual Quote
  • State Minimum Liability
    $824
  • 100/300/100 Comprehensive/Collision
    $1,377

USAA Car Insurance Quotes in Illinois

USAA charges around $871 a year on average for car insurance in Illinois to eligible active and former military. It offers the cheapest insurance quote of $340 a year to a 40-year-old SUV driver with a clean record, excellent credit score and state minimum policy.

A 20-year-old luxury sedan driver with a DUI, poor credit score and full coverage, though, gets the most expensive USAA policy, which is around $7,871 per year.

Use the table below to see the characteristics that match your profile and the difference in the price of state minimum coverage to full coverage.

USAA Car Insurance Quotes in Illinois

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  • Coverage Level
    USAA Average Annual Quote
  • State Minimum Liability
    $411
  • 100/300/100 Comprehensive/Collision
    $871

Travelers Car Insurance Quotes in Illinois

The average car insurance cost in Illinois from Travelers is $1,127 per year. The price can go down to as low as $508 per year if you’re a 40-year-old SUV driver with a clean record, an excellent credit score and a state minimum policy.

Meanwhile, you might pay the most expensive Travelers policy at $9,117 annually if you’re a 20-year-old luxury sedan driver with a DUI, poor credit score and full coverage.

Using the table below, choose the features that match your profile and see how the state minimum cost compares to a full coverage policy.

Travelers Car Insurance Quotes in Illinois

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  • Coverage Level
    Travelers Average Annual Quote
  • State Minimum Liability
    $621
  • 100/300/100 Comprehensive/Collision
    $1,161

How to Get Free Car Insurance Quotes in Illinois

There are several options to find car insurance quotes in Illinois. For instance, you can do your own homework or use MoneyGeek’s resources to compare insurance estimates in Illinois. While you can refer to the insurance quotes we’ve collected above, you can also use our Illinois car insurance calculator to get more accurate estimates.

Alternatively, you can compare actual binding quotes with real prices from companies. It’s the most accurate but does take longer.

Auto Insurance Calculator

State

Illinois

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female
Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

Mercury

$395

3.

USAA

$435

5.

GEICO

$471

How to Get Car Insurance Quotes from Insurers in Illinois

To obtain car insurance quotes in Illinois, you can use an online quote tool or an insurance agent or broker. To get a quote, you have to include personal information and details about your vehicle. You also must know how much car insurance you need to get an accurate quote.

MoneyGeek researched how long it takes to obtain car insurance quotes in Illinois from the top insurers. We found that State Farm, Allstate, Progressive, Liberty Mutual and Travelers have the fastest online auto quote process. We also discovered which insurers don’t provide quotes online.

There were instances when an insurer’s quote tool failed to give us a result, and we have designated these companies as having no online quote process.

How Fast Are Online Quote Tools in Illinois?
  • Length of Online Quote Process
    Companies
  • Quick Online Quote Process (<10 Minutes)

    • State Farm
    • Allstate
    • Progressive
    • LIBERTY MUT GRP
    • Travelers
    • COUNTRY INS & FIN SERV GRP
    • AMERICAN FAMILY INS GRP
    • BERKSHIRE HATHAWAY GRP
  • No Online Quote Process

    • FARMERS INS GRP
    • USAA

State Farm Car Insurance Quote Tools in Illinois

It takes around two minutes to get an estimate online from State Farm. When MoneyGeek obtained a quote for our sample driver, the online quote tool allowed changing coverages to see price adjustments right away, enabling a comparison, for example, of how much full coverage is versus minimum coverage.

Allstate Car Insurance Quote Tools in Illinois

You can use Allstate’s online tool to get an auto insurance quote. It took MoneyGeek about two minutes to receive an online quote from Allstate for our sample driver. The tool redirects you to the Esurance website, a company owned by Allstate, to help you find good discounts. You can save your quotes and retrieve them later, and also edit your coverages after the initial estimate, and the tool recalculates your quote.

Progressive Car Insurance Quote Tools in Illinois

Progressive has an online quote tool, and it takes about two minutes to get an estimate. You can pick from various auto insurance coverages to customize your quote. And MoneyGeek found for our sample driver that you can adjust your chosen coverage limits after receiving your initial quote to see how the price changes.

GEICO Car Insurance Quote Tools in Illinois

GEICO provides you with a quote online in about four minutes. When MoneyGeek obtained a quote for our sample driver, GEICO offered multiple discounts to help save on the auto insurance premium. You can also adjust your coverage levels and see how the price changes.

Country Financial Car Insurance Quote Tools in Illinois

Country Financial's website has a quote tool that took MoneyGeek about three minutes to complete for our sample driver. The tool provides you with two packages called "Good" and "Better" and allows you to compare them side-by-side. You may also create a custom package and adjust your coverages after getting the two initial quotes.

American Family Car Insurance Quote Tools in Illinois

You can use American Family’s online auto insurance tool to obtain a quote in as little as three minutes — that’s how long it took MoneyGeek to get a quote for our sample driver. The tool lets you conveniently answer questions on a single page, making the process relatively quick. You can adjust your coverage levels later and see the adjusted prices.

Farmers Car Insurance Quote Tools in Illinois

MoneyGeek tried using the Farmers online auto quote tool but received an error message that said to try again later. You can try the Farmers tool for yourself, but MoneyGeek can’t vouch for its reliability. However, you can talk to an agent over the phone to get a quote.

Liberty Mutual Car Insurance Quote Tools in Illinois

Liberty Mutual allows you to obtain an online auto quote through its website. The process is relatively easy and quick; it took MoneyGeek about two minutes to get a quote for our sample driver. The quote includes a comprehensive coverage summary as well as the total number of discounts available. You can adjust your desired coverage and view the updated price in real-time.

USAA Car Insurance Quote Tools in Illinois

USAA has an online quote tool, but MoneyGeek couldn’t obtain a quote for our sample driver. It may be better to call and speak with a representative at USAA to get a car insurance quote than try the online tool.

Travelers Car Insurance Quote Tools in Illinois

It takes about two minutes to get an online quote from Travelers. The company’s tool offers multiple options and helps you find discounts to save on your insurance premium. When collecting our sample driver’s quote, MoneyGeek could edit coverages after the initial estimate and get a recalculated quote.

FAQ About Car Insurance Quotes in Illinois

Obtaining free car insurance quotes in Illinois doesn’t have to be time-consuming. To help you make your search faster, MoneyGeek provides the answers to some of the most frequently asked questions about auto insurance quotes in Illinois.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.