Cheap Full Coverage Car Insurance in Illinois

GEICO leads the Illinois full coverage table at $69 per month ($830 per year). At $102 per month on average, Illinois is a moderately priced state for full coverage, affordable enough that maintaining comprehensive and collision coverage makes financial sense for most drivers whose car still carries substantial value. Auto-Owners is the second-cheapest option at $73 per month ($877 per year). Drivers also weighing liability-only coverage can find minimum-coverage options in the cheapest car insurance in Illinois breakdown.

Young drivers in Illinois pay an average of $3,070 per year for full coverage, roughly two and a half times the adult average, because insurers price in the statistically higher claim rates that come with limited driving experience. Senior drivers pay an average of $1,591 per year, a moderate increase over the adult rate that often becomes more pronounced after the mid-70s. For more on how premiums change over time, MoneyGeek's analysis of car insurance rates by age provides national data and trends.

Auto-Owners has the lowest rate for young Illinois drivers at $164 per month ($1,973 per year). Young driver rates usually drop meaningfully once a driver has two to three years of clean driving history. Staying on a parent's policy while that record builds is often the most effective way to reduce costs during those early years. GEICO is the second-cheapest option for young drivers at $194 per month ($2,330 per year). Families looking for more strategies can review cheap car insurance for teen drivers.

GEICO has the lowest rate for senior Illinois drivers at $77 per month ($922 per year). Illinois senior rates stay relatively affordable for drivers in their 60s and early 70s, though rates often increase more sharply after age 75 as insurers adjust for the higher injury severity associated with crashes at that age. Auto-Owners is the second-cheapest option for seniors at $101 per month ($1,213 per year).

A driving violation raises full coverage rates in Illinois. A speeding ticket adds $340 per year on average, an at-fault accident adds $619 per year, and a DUI adds $1,001 per year. These surcharges usually remain on a policy for three to five years, and the provider that prices violations most leniently is not the same one that leads the clean-record table. Drivers who have already received a violation can review high-risk car insurance in Illinois for options specific to that situation.

Auto-Owners is the most affordable option after a speeding ticket in Illinois at $82 per month ($978 per year). A single speeding ticket in Illinois usually stays on your insurance record for three years. Choosing a provider that applies a smaller surcharge, as Auto-Owners does here, reduces the compounded cost over that period. GEICO is the second-cheapest option at $93 per month ($1,113 per year).

Auto-Owners holds the lowest rate after an at-fault accident in Illinois at $94 per month ($1,133 per year). Illinois follows a fault-based insurance system, so an at-fault finding on your record means your insurer will likely apply a surcharge at renewal, and that increase usually persists for three to five years from the date of the accident. GEICO is the second-cheapest option at $109 per month ($1,308 per year). For context on premium increases, our analysis of how much rates go up after an accident provides national averages and timing.

Travelers is the most affordable option after a DUI in Illinois at $129 per month ($1,543 per year). Illinois requires an SR-22 certificate after a DUI conviction. This is a filing your insurer submits to the state confirming you carry the required coverage, and not all providers process the filing equally, so confirm SR-22 availability when you quote. Progressive is the second-cheapest option at $134 per month ($1,612 per year). Drivers in this situation can review guides on Illinois DUI car insurance and SR-22 car insurance in Illinois for state-specific requirements.

COUNTRY Financial has the most affordable full coverage for Illinois drivers with poor credit at $164 per month ($1,966 per year). Illinois permits insurers to use credit history as a pricing factor. The effect can add more than $2,000 per year compared to a good-credit rate at some providers, and the impact is not evenly distributed across carriers. GEICO is the second-cheapest option for Illinois drivers with poor credit at $198 per month ($2,371 per year). Drivers working on improving their credit before the next renewal can find tips in car insurance with bad credit.