Car Insurance in Illinois: How to Find the Policy That Fits You

MoneyGeek has analysis and resources for your car insurance needs in Illinois.

Find the Best or Cheapest Car Insurance in Illinois

MoneyGeek compiled and analyzed quotes to help drivers find the cheapest car insurance in Illinois. Our unique scoring system also balances cost and customer service to identify the best insurance companies. Drivers looking for information on overall expenses can use MoneyGeek’s breakdown of car insurance costs in Illinois based on factors like driver age and background.

In the above analysis, MoneyGeek ranks the cheapest and best car insurance companies in Illinois for certain types of drivers. Below is a quick summary of what you can expect to find for various driver profiles. These recommendations are for a full coverage policy unless noted otherwise.

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THE CHEAPEST CAR INSURANCE COMPANIES IN ILLINOIS
  • Minimum liability: GEICO
  • Full coverage: GEICO
  • Drivers with a DUI: State Farm
  • After an accident: State Farm
  • Drivers with a ticket: GEICO
  • Drivers with bad credit: Country Financial
  • Senior drivers: GEICO
  • Student drivers: Progressive
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THE BEST CAR INSURANCE COMPANIES IN ILLINOIS
  • Overall: Erie
  • Customer Service: Erie
  • On a Budget: Erie
  • Poor Driving Record: Erie
  • Military: USAA
  • Young Drivers: Progressive
  • New Cars: Erie
  • Low-Mileage Drivers: Metromile Auto

Get an Illinois Car Insurance Quote

Car insurance quotes in Illinois can vary by as much as $880 for the same driver and coverage across different companies. Comparing quotes is a good way to save on premiums, and knowing your options doesn’t have to be time-consuming.

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Car Insurance Laws in Illinois

Drivers are required to follow Illinois car insurance laws and requirements, which include having the following minimum coverage:

  • $25,000 in bodily injury per person
  • $50,000 in bodily injury per accident
  • $20,000 in property damage
  • $25,000 in uninsured/underinsured motorist bodily injury per person
  • $50,000 in uninsured/underinsured motorist bodily injury per accident

Aside from liability coverage, Illinois drivers are also required to carry uninsured motorist coverage. While you are only required to carry the minimum coverage, you might need a higher coverage amount to ensure complete protection. Adding collision and comprehensive coverage also ensures that you are protected against the cost of damage to your own vehicle.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN ILLINOIS?

In Illinois, if you have a serious violation on your record like a DUI or an at-fault accident, you are required to get an SR-22 as proof of insurance.

MoneyGeek tells you everything you need to know about SR-22 insurance in Illinois and how to file with your insurer.

Specialty Car Insurance in Illinois

For some drivers with specialized needs, traditional car insurance may not always be the most suitable option. MoneyGeek presents alternative car insurance options in Illinois, such as non-owner, temporary and low-income car insurance.

Learn more about these unique policies below.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

A good option for drivers who need proof of insurance but do not own their own vehicle is non-owner car insurance in Illinois.

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Temporary car insurance

If you will only be driving for a limited time, temporary car insurance in Illinois is a good option. Temporary car insurance can be obtained by either buying and canceling a regular policy or getting rental car insurance.

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Car insurance for low-income drivers

Most states don’t have programs to help low-income drivers with car insurance costs. That said, MoneyGeek still found ways to help drivers find low-income car insurance in Illinois.

About the Author


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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.