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Our team found that car insurance in Illinois costs as little as $281 per year for the minimum liability and $792 per year for full coverage.
Best Cheap Full Coverage Auto Insurance
Written by: Daniel Robinson, Written by: Daniel Robinson Author Daniel is a columnist for the Lead Group and has written for numerous automotive news sites and advertising firms across the U.S. Daniel is the leading authority on auto insurance, loans, warranty options, auto services and more.
Auto Insurance Guide
Edited by: Rashawn Mitchner, edited by: Rashawn Mitchner Managing Editor Rashawn Mitchner is a team editor with over 10 years of experience covering finance and insurance topics.
To help you find those low rates, we at the Guides team have dived into the best car insurance companies, including state and local providers, that cater to Illinois drivers. We tested them on their coverage and reputation in addition to their prices in the Prairie State.
Cheap Car Insurance in Illinois Cheap Car Insurance in Chicago, Cheap Car Insurance in Aurora, Aurora, Ill.
The Guide Group is committed to providing reliable information to help you make the best decision about your car insurance. Because customers depend on us to provide objective and accurate information, we have developed an extensive rating system to compile our ranking of car insurance companies. We collected data from many car insurance providers to rate the companies on a wide range of factors on the list. After 800 hours of research, the final result was the overall rating of each provider, with insurers scoring the highest in the list.
Finding A Cheap Car Insurance Company Near You
Because insurance rates are lower in Illinois than the national average, you have a good chance of getting good car insurance in Illinois at excellent rates. Here, we’ll take a look at the cheapest car insurance companies and coverage options in the Land of Lincoln.
After thorough research and reviews, our team named State Farm the top choice for auto insurance in Illinois. Country Finance, Geico, Progressive and USAA are also smart choices for Illinois drivers looking for quality coverage options at affordable prices.
*Our research team considers country-wide factors when rating providers. The ranking of providers in this table is specific to auto insurance in Illinois.
The level of coverage has a major impact on rates. Most quotes from providers include estimates of minimum liability and comprehensive car insurance. While only minimum coverage is required in Illinois, it’s a good idea for drivers to consider comprehensive auto insurance.
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For a 35-year-old driver, the average cost of an Illinois-state minimum policy is around $441 per year, or $137 per month. This is nearly 42% lower than the national average of approximately $627 per year. The table below shows the low cost estimates from our statewide low cost policy review in Illinois.
With rates generally below the national average, cheap car insurance in Illinois can be among some of the lowest in the country. We found estimates as low as $792 per year for full coverage. The table below shows the providers who offer the lowest premiums on auto insurance policies in Illinois.
*This rate estimate is based on the profile of a 35 year old driver with a clean driving record and good credit score.
Age and driving history have a big impact on how much you will pay for car insurance in Illinois. In the sections below, we will compare the best car insurance providers for drivers who fall under certain categories.
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Drivers in their teens and 20s may pay more for car insurance than older drivers. Below we look at how much you can pay in different years.
Pekin usually offers the lowest insurance quotes for a 16-year-old driver in Illinois with an average estimate of $2,014 per year or 168. , or $451 per month.
At $2,534 a year, or $211 a month, Country Financial usually offers the lowest insurance quote for a 17-year-old driver in Illinois. The average estimate in Illinois for a 17-year-old is $4,634 per year, or $386 per month. This is about 230% higher than the average estimate for 35-year-old drivers in the state.
State Finance usually offers the best car insurance in Illinois for 18-year-old drivers with an estimate of $2,224 per year, or $185 per month. The average estimate for 18-year-old drivers in Illinois is $4,061 per year, or $338 per month. This number is about 189% higher than the average estimate for Illinois drivers age 35.
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A 21-year-old driver in Illinois can get cheap car insurance with Geico, at an estimated $1,453 a year, or $121 a month. In Illinois, the average premium for a 21-year-old driver is $2,336 per year, or $195 per month. This rate is 66% higher than the state average of 35-year-old drivers.
Pekin tends to offer the least expensive car insurance for Illinois drivers over the age of 25 at an estimated cost of $848 per year, or $71 per month. The average estimate for 25-year-old Illinois drivers is $1,799 per year, or $150 per month.
As drivers move into their 30s, 40s and beyond, car insurance rates fall. Drivers in their 50s and 60s often get the lowest auto coverage rates. Once they reach their 70s, drivers in Illinois and other states see their insurance premiums go up, because drivers in this age group are more likely to develop vision, hearing and motor performance issues.
Geico offers cheap car insurance for 30-year-old drivers in Illinois, with average costs of $93 per month and $1,114 per year. Country Money is a close second at $95 per month and $1,138 per year.
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Pekin is the leader when it comes to cheap car insurance for drivers over 35 years old in Illinois. Both companies offer full coverage for about $62 a month.
Geico offers the lowest auto insurance rates for 40-year-old drivers in Illinois, averaging $80 a month and $965 a year. Money World is also close behind at $86 per month and $1,032 per year.
Geico also leads the way in cheap car insurance for 50-year-old Illinois drivers, the average cost of $76 per month and $909 per year. Country Money comes in second place again at $82 per month and $979 per year.
Geico has the cheapest car insurance for 65 year old drivers in Illinois with a wide range. The company offers a comprehensive coverage of $68 per month and $816 per year for 65-year-olds. The State of Money is the second place here at $80 per month and $964 per year.
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Geico is the most affordable auto insurance option for drivers age 75 in Illinois, with average costs of $82 per month and $978 per year. The country of Money also holds the second place with an average of $ 95 per month and $ 1, 145 per year.
Your age is one of the most important factors that determine your car insurance premiums, but it’s not the only one. Other factors related to your driving history can affect your rates.
Even good drivers can get a speeding ticket. For Illinois drivers with a runaway ticket in their recent driving history, Pekin tends to offer the most affordable, with an annual average price of $986.
Insurance costs go up when you get into a car accident. For those who have had a recent at-fault accident on their driving record, Pekin often offers the lowest rates, with an annual estimate of $1,013.
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Illinois drivers with recent DUIs pay an average of $2,437 per year for full coverage. While DUI drivers across the country can expect higher-than-average premiums, that doesn’t mean there aren’t companies with reasonable rates, like State Farm, which has an average annual cost of $1,456 for full coverage.
For those who would like to know about cheap car insurance in Illinois, the sections below contain more information:
As the largest insurance provider in the US, State Farm is our review team’s choice for the best auto insurance provider in Illinois. The company has been providing high quality insurance products since 1922 and is known for its reliability. State Farm has an A++ financial strength rating from AM Best, highlighting its reliability when it comes to paying claims.
Our review team awards Country Farm Best for Most Drivers in our comprehensive 2023 industry review of the best auto insurance companies. Insurance is the best option for students and teenagers as it offers savings opportunities and driving programs designed for young drivers.
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Founded in 1925, Country Money has nearly a century of experience in the insurance industry. The company has a dedicated team of 3,000 employees and 2,000 representatives operating in 19 states, including Illinois. Financial World
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