Cheapest Car Insurance in Illinois (November 2025)

Illinois drivers pay $1,189 yearly for full coverage auto insurance. This is 18% below the national average. Minimum coverage costs $602 annually, 13% below what drivers nationwide pay. Illinois ranks 13th among all states for full coverage affordability and 24th for minimum coverage.

GEICO offers the most affordable rates for both full coverage and minimum liability insurance across Illinois and in most major cities statewide. Skipping full coverage means you'll pay for your own repairs if you cause a collision, so compare rates to find affordable coverage. MoneyGeek evaluated the state's top insurers based on pricing, customer service ratings and policy features, and State Farm earned the highest overall ranking.

GEICO offers the cheapest full coverage, charging just $69 monthly or $825 yearly. Auto-Owners follows at $904 annually, while Travelers costs $1,032 per year. Erie Insurance and COUNTRY Financial round out the top five at $1,249 and $1,231 yearly, respectively. These options provide Illinois residents with multiple affordable choices for comprehensive coverage.

GEICO delivers the most affordable minimum coverage car insurance in Illinois at just $30 monthly. The insurer helps drivers meet state requirements without breaking the bank, beating the state average by 35%. Illinois drivers can choose from several established carriers offering cheap liability-only coverage.

Auto-Owners ranks second with monthly premiums of $32, offering rates 30% below the state average. Erie Insurance follows at $35 monthly, while Travelers and COUNTRY Financial round out the top five at $47 and $51 respectively. Illinois motorists can secure legal coverage while keeping costs manageable through these budget-conscious providers as of November 2025.

Illinois mandates minimum liability insurance of $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage (25/50/20). 

These standard requirements help maintain reasonable baseline premiums, but they could leave drivers financially vulnerable during major accidents. 

Chicago's congested highways and frequent multi-vehicle collisions create higher risks that minimum coverage may not adequately address, exposing you to out-of-pocket costs when serious crashes occur.

GEICO offers the most affordable rates in 12 of the state's 20 largest cities analyzed. Auto-Owners captures the remaining nine markets as of November 2025.

Minimum coverage costs across Illinois's major cities range from $26 to $43 monthly. Champaign residents enjoy the lowest monthly rates at $26 through GEICO, while Chicago and Cicero drivers pay the highest at $43, with GEICO in Chicago and Auto-Owners in Cicero. Most suburban and mid-sized cities maintain rates between $30 and $38.

Young drivers ages 16 to 25 in Illinois experience high insurance costs. Auto-Owners offers the most affordable full coverage at $164 monthly. This is 36% below the state average for this age group. GEICO ranks second at $194 per month, while COUNTRY Financial takes third place at $198 per month.

Adult drivers ages 26 to 64 find the best value with GEICO at $69 per month for full coverage. Auto-Owners follows at $73 monthly, and then Travelers at $87 per month.

Senior drivers aged 65 and older secure the lowest rates through GEICO, at $77 monthly for full coverage, which is 42% lower than Illinois's average for this demographic. Auto-Owners is second at $101 per month, with AAA offering coverage at $112 per month.

Traffic violations and poor credit impact car insurance costs in Illinois. Maintaining a clean driving record helps keep premiums affordable, but violations such as speeding tickets, at-fault crashes, texting while driving or DUI convictions cause rates to spike. 

Credit scores also affect pricing. Auto-Owners has the most competitive rates for high-risk drivers, though COUNTRY Financial is most affordable for bad credit and Travelers for DUI convictions.

Here's how much Illinois drivers pay monthly based on their record:

• Cheapest for Texting While Driving: Auto-Owners ($73 per month)
• Cheapest for Speeding Tickets: Auto-Owners ($82 per month)
• Cheapest for At-Fault Accidents: Auto-Owners ($94 per month)
• Cheapest for Bad Credit: COUNTRY Financial ($164 per month)
• Cheapest for DUI Convictions: Travelers ($129 per month)

Shop around with both big-name and local insurers to find your best rate on auto insurance. Regional carriers frequently undercut major companies, especially outside Chicago. Lower your premiums by bundling coverage, boosting your credit score and qualifying for safe-driver discounts.

Minimum coverage car insurance remains an option for budget-conscious drivers. Illinois requires 25/50/20 liability limits, but this coverage leaves you exposed. You're on the hook for your own repairs after at-fault accidents without collision coverage. Comprehensive protection covers theft, weather damage and vandalism.

With the typical bodily injury claim hitting $26,501 in 2023, you'd exceed Illinois's $25,000 per-person cap by over $1,500. If your budget allows, invest in better coverage.

GEICO provides Illinois drivers with the most affordable car insurance rates across different coverage levels. Avoid choosing coverage based solely on price. Purchase as much protection as your budget allows to protect yourself from the costs of accidents.

Our insurance experts tackle frequently asked questions about securing affordable car insurance in Illinois.

Illinois drivers juggle high traffic volume in Chicago, weather risks and rates that run 18% below the national average for full coverage. We compared rates across Illinois's metro areas, suburbs and rural communities to find the best value.

Our Research Approach

We pulled quotes from 12 insurers across every Illinois ZIP code using data from the state's Department of Insurance and Quadrant Information Services. The numbers tell the story: rural downstate drivers pay far less than Chicago commuters stuck on I-290, and our statewide sweep catches all those pricing differences. Our analysis included more than 200 million rate comparisons to identify consistent patterns in pricing and coverage availability.

We started with a baseline driver profile that represents Illinois's median demographic:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

This profile serves as our control group. We then adjusted specific variables (age, driving violations, credit score) to analyze how Illinois insurers price risk for different driver types. This approach reveals which companies specialize in certain demographics and which maintain competitive rates across all profiles. 

Coverage Levels We Compared

Illinois requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $20,000 per accident for property damage. We used these exact limits for minimum coverage comparisons since that's what most budget-conscious Illinois drivers carry.

For full coverage analysis, we used higher liability limits that better protect Illinois drivers in serious accidents:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Most insurance agents in Illinois push these higher limits once you mention Chicago traffic. Three-car pileups on the Dan Ryan eat through that $25,000 state minimum fast. Go with the $1,000 deductible to cut your monthly bill, just make sure you've got a grand stashed away.