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Our team found that car insurance in Illinois costs as little as $281 per year for minimum liability coverage and $792 per year for full coverage
Full Coverage Car Insurance For New Drivers
Written by: Daniel Robinson, Written by: Daniel Robinson Writer Daniel is a Guides team writer and has written for numerous automotive news sites and marketing companies in the US, U.K. and Australia, specializing in car finance and car care topics. Daniel is a Guides team authority on car insurance, loans, warranty options, car services and more.
Teenage Car Insurance: Discounts And Coverage
Edited by: Rashawn Mitchner.
To help you find those low premiums, we at the Guides team took a deep dive into the best auto insurance companies, including both national and local providers, serving Illinois drivers. We evaluated them on their coverage and reputation in addition to their rates in the Prairie State.
Cheapest car insurance in Illinois Cheapest car insurance in Chicago Cheapest car insurance in Aurora, Ill. Cheapest car insurance in Springfield, Illinois. Cheapest car insurance in Joliet, Illinois.
The Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your car. Because consumers trust us to provide objective and accurate information, we have created a comprehensive rating system to formulate our ranking of the best car insurance companies. We collected data on dozens of car insurance providers to rank the companies on a wide range of ranking factors. After 800 hours of research, the final result was an overall rating for each provider, with the insurers that scored the most points at the top of the list.
Average Cost Of Car Insurance (2023)
Because insurance coverage rates are cheaper in Illinois than the national average, you have a great chance of finding good car insurance in Illinois at excellent rates. Here we will look at the cheapest car insurance companies and coverage options in the Land of Lincoln.
After thorough research and review, our team named State Farm as the best choice for cheap car insurance in Illinois. Country Financial, Geico, Progressive and USAA are also smart choices for Illinois drivers looking for quality coverage options at affordable rates.
* Our research team considers national factors when evaluating providers. The ranking of providers in this table is specific to car insurance in Illinois.
Coverage level has a big impact on rates. Many quotes from providers include estimates for minimum liability and full coverage auto insurance. While only minimum liability coverage is required in Illinois, it is a good idea for drivers to consider full coverage auto insurance.
Pay Less For Car Insurance For Teens & New Drivers
For a 35-year-old driver, the average estimate for a minimum Illinois state policy is about $441 per year, or $137 per month. This is roughly 42% cheaper than the national average rate of about $627 per year. The table below shows the cheapest rate estimates in our study for a state minimum policy in Illinois.
With typical rates below the national average, the cheapest car insurance in Illinois can be among some of the cheapest in the country. We found estimates as low as $792 per year for full coverage. The table below shows the providers that typically offer the lowest rates for auto insurance policies in Illinois.
*These rate estimates are based on the profile of a 35-year-old driver with a clean driving record and a 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 cheapest car insurance providers for drivers who fall under certain categories.
Can You Get Car Insurance With A Learner’s Permit?
Drivers in their teens and early 20s can pay much more than older drivers for car insurance. Below we go over how much you could pay at different ages.
Pekin tends to offer the cheapest insurance estimate for a 16-year-old driver in Illinois with an average estimate of $2,014 per year or 168. The average rate estimate in Illinois for a 16-year-old is $5,409 per year, or $451 per month.
At $2,534 per year, or $211 per month, Country Financial tends to offer the cheapest insurance estimate for a 17-year-old driver in Illinois. The average rate 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.
Country Financial tends to offer the cheapest car insurance in Illinois for 18-year-old drivers with an average estimate of $2,224 per year, or $185 per month. The average rate estimate for 18-year-old drivers in Illinois is $4,061 per year, or $338 per month. This figure is approximately 189% higher than the average estimate for 35-year-old Illinois drivers.
The Best Cheap Car Insurance For New Drivers
A 21-year-old driver in Illinois can find the cheapest car insurance at Geico, at an estimated $1,453 per year, or $121 per month. In Illinois, the average rate estimate for a 21-year-old driver is $2,336 per year, or $195 per month. This rate is 66% higher than the average rate for 35-year-old drivers in the state.
Pekin tends to offer the cheapest car insurance for 25-year-old Illinois drivers at an estimated cost of $848 per year, or $71 per month. The average rate 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 drop. Drivers in their 50s and 60s often get the lowest average rates for auto coverage. Once they reach their 70s, drivers in Illinois and other states see their insurance premiums trend higher because drivers in this age group are more likely to develop problems with vision, hearing and motor function.
Geico offers the cheapest car insurance for 30-year-old drivers in Illinois, with average costs of $93 per month and $1,114 per year. Country Financial is a close second at $95 per month and $1,138 per year.
Car Insurance Coverage Types
Pekin is the leader when it comes to cheap car insurance for 35 year old drivers in Illinois. Both companies offer full coverage for about $62 per month.
Geico offers the cheapest auto coverage for 40-year-old drivers in Illinois, averaging from $80 per month and $965 per year. Country Financial is close behind again at $86 per month and $1,032 per year.
Geico again leads the way in cheap car insurance for 50-year-old drivers in Illinois, with average costs of $76 per month and $909 per year. Country Financial comes in second again at $82 per month and $979 per year.
Geico has the cheapest auto insurance for 65-year-old drivers in Illinois by a wide margin. The company offers full coverage for $68 per month and $816 per year for 65-year-olds. Country Financial is second here at $80 per month and $964 per year.
What Is Full Coverage Car Insurance?
Geico is the cheapest car insurance option for 75-year-old drivers in Illinois, with average costs of $82 per month and $978 per year. Country Financial again holds second place with averages of $95 per month and $1,145 per year.
Your age is one of the most important factors that determines your car insurance premiums, but it is not the only one. Other factors related to your driving history can also affect your rates.
Even good drivers can get a driver’s license. For Illinois drivers with a speeding ticket in their recent driving history, Pekin tends to offer the most affordable coverage, with an average annual cost of $986.
The cost of insurance increases if you have been in a car accident. For those with a recent accident on their driving record, Pekin usually offers the cheapest rates, with an average annual estimate of $1,013.
What Is The Difference Between Basic And Full Coverage?
Illinois drivers with recent DUIs pay an average of $2,437 per year for full coverage. While DUI drivers in the nation can definitely expect higher than average premiums, that doesn’t mean there aren’t companies with fair prices, like State Farm, which has an annual average cost of $1,456 for full coverage .
For those who want to know about the cheapest car insurance in Illinois, the sections below contain more detailed information:
As the largest insurer 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 awarded State Farm Best for the most driver endorsements in our 2023 industry-wide review of the best auto insurance companies. The insurer is a particularly good choice for students and teenagers, as it offers savings opportunities and driving programs tailored for young drivers.
Y/o Driver Needs Car Insurance. Progressive Wants 2.5 Months $ Up Front?
Founded in 1925, Country Financial 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. Country Financial
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