Cheapest Car Insurance in Illinois


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Key Takeaways

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GEICO, Auto-Owners and Travelers are the cheapest car insurance companies for most Illinois drivers, with average savings of up to 35%.

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Car insurance costs can be as low as $24 monthly for minimum coverage and $36 for full coverage policies on average in Illinois.

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To get the cheapest car insurance in Illinois, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.

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Who Has the Cheapest Car Insurance in Illinois?

GEICO leads Illinois with the lowest rates: $30 monthly for minimum coverage and $69 for full coverage. Drivers save $27 monthly (35%) compared to state averages. Get quotes from Auto-Owners, Travelers, Erie and Country Financial too.

Geico$30$69-35%
Auto Owners$32$75-30%
Travelers$47$86-13%
Erie Insurance$35$104-9%
Country Financial$51$1031%

*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.

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LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN ILLINOIS

Best Car Insurance Rates by Category in Illinois

GEICO offers the cheapest rates for four out of our 10 driver categories, including adult drivers and those with newer cars, while Auto-Owners matches that performance with lowest rates in four categories, particularly for young drivers and those with accidents. Find your specific rates in the table:

Young DriversAuto Owners$78
Adult DriversGeico$31
Senior DriversGeico$37
Drivers With An AccidentAuto Owners$43
Drivers With A DUITravelers$65
Drivers With A Speeding TicketAuto Owners$37
Drivers With Bad CreditCountry Financial$97
Drivers With Low IncomeGeico$57
Drivers With Newer CarsGeico$36
Drivers With Old CarsAuto Owners$24

*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

Compare the Cheapest Car Insurance in Illinois for You

The tables above show overall winners, but your cheapest option depends on your situation. For example, Country Financial offers the lowest rates at $167 monthly for drivers with poor credit and an accident who want 100/300/100 coverage. Filter the table to match your exact situation:

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)
Country Financial$167$1,998-50%
Auto Owners$254$3,050-24%
Erie Insurance$263$3,159-21%
Travelers$276$3,310-18%
Geico$298$3,575-11%

*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

Cheapest Car Insurance in Illinois by City

Where you live in Illinois affects your insurance costs based on local crime, accidents and traffic density. GEICO charges as little as $29 in Abingdon but costs vary across cities. Here are the cheapest providers for every Illinois city:

Data filtered by:Results filtered by:
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City:Abingdon
AbingdonGeico$29-32%

*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.

How to Get the Cheapest Car Insurance in Illinois

Finding the lowest-priced insurance companies is just one part of getting the best car insurance rates in Illinois. We'll show you proven ways to save the most on auto insurance.

  1. 1

    Compare multiple providers through various means

    Compare quotes from multiple providers on our list, since our estimates may vary from provider-provided pricing. Your quotes will also vary depending on your method of getting them, such as captive agents, independent agents, comparison sites and provider websites.

  2. 2

    Decide on your coverage needs before buying

    Knowing what coverage you need helps you avoid paying for unnecessary add-ons while ensuring adequate financial protection.

  3. 3

    Choose to get a lower coverage amount if appropriate

    Depending on how much car insurance you need and what you can afford, lowering your coverage level and deductibles if you want full coverage can save you money. However, evaluate your risk based on your finances, driving habits, where you live and even your vehicle before doing this.

  4. 4

    Research costs and take advantage of discounts

    Researching average auto insurance costs for your specific profile gives you a measuring stick for how much you'll be saving. Look also into discounts you qualify for and compare home and auto insurance bundle prices and other policy type combinations to get the best deal.

  5. 5

    Consider auto insurance alternatives

    Traditional auto insurance isn't your only option; alternative policies exist. For example, pay-per-mile car insurance charges are based on how much you drive, and telematics insurance tracks driving behaviors to determine your pricing or provide a discount if it's just a separate program. Also, look into your automaker's insurance program if it has one to see if you can get lower rates than with a regular provider.

  6. 6

    Improve your risk profile

    Improving your credit and practicing safe driving habits can lead to lower rates overall, making car insurance and other insurance much more affordable.

  7. 7

    Get a cheaper car to insure

    If you're in the market, getting an older and cheaper car to insure will save you money on your coverage. Reliable cars also cost less to repair, which lowers your insurance rates.

Risks of Getting the Cheapest Car Insurance in Illinois

Illinois requires drivers to carry liability insurance with minimum coverage of 25/50/25. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:

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    Vehicle damage if you're at fault won't be covered

    Without collision coverage, you'll pay all repair costs if you cause an accident. In Illinois, average property damage claims hit $4,300 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.

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    Weather risks make damage to your car more likely and aren't covered

    Illinois gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reports weather-related property damage averaged $3,200 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against severe storms, tornadoes and hail that frequently hit Illinois.

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    Bodily injury damage is more likely to be higher than the minimum limits

    Illinois's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. The Insurance Information Institute reports average bodily injury claims in Illinois reached $22,000 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.

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    Not having uninsured motorist coverage opens you up to unexpected costs

    Illinois has a serious uninsured driver problem, with 12% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.

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    Vehicle theft damage is more likely and uncovered

    Car theft is a real problem in Illinois, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk urban areas like Chicago.

Cheap Car Insurance in Illinois: Bottom Line

GEICO offers the lowest car insurance rates in Illinois for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.

Cheap Car Insurance in Illinois: FAQ

Below we answer common questions about car insurance to help you find the right coverage at affordable rates.

What are the cheapest car insurance companies in Illinois?

Who has the cheapest car insurance rates for young drivers in Illinois?

Who offers the cheapest car insurance rates for seniors in Illinois?

Who has the cheapest car insurance in Illinois for bad credit?

Who has the cheapest car insurance in Illinois with an accident?

Who has the cheapest car insurance in Illinois with a DUI?

Who has the cheapest car insurance in Illinois for those with a speeding ticket?

Should you buy the cheapest car insurance in Illinois?

How We Found the Most Affordable Car Insurance in Illinois

MoneyGeek collected auto insurance data from the Illinois Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Illinois.

Illinois Driver Profile

Our analysis started with a standard driver profile to find the cheapest rates:

  • 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

We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.

Standard Coverage Levels in Illinois

We compared car insurance companies in Illinois that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Illinois.

The minimum coverage liability limits in Illinois are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $20,000 per accident for property damage

For full coverage policy rates, we used the following liability limits:

  • $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

About Mark Fitzpatrick


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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.


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