Cheap Car Insurance in Illinois: In Illinois, car insurance is a legal requirement, with drivers needing to meet minimum liability coverage for bodily injury and property damage.
Finding affordable car insurance options is crucial for balancing legal obligations with budget constraints.
By securing cheap car insurance, drivers can stay protected without overextending their finances, ensuring compliance with state laws while saving money.
Minimum Car Insurance Requirements in Illinois
Understanding these requirements helps ensure compliance and can save you from legal troubles. Here’s a breakdown of the minimum car insurance coverage required in Illinois.
Illinois Minimum Coverage Requirements
To legally drive in Illinois, you must have at least the following insurance coverage:
Bodily Injury Liability (BIL):
- $25,000 per person injured in an accident.
- $50,000 per accident if multiple people are injured.
Property Damage Liability (PDL):
- $20,000 to cover damage to another person’s property.
Uninsured Motorist Bodily Injury (UMBI):
- $25,000 per person injured by an uninsured driver.
- $50,000 per accident if multiple people are injured by an uninsured driver.
These coverages are the bare minimum required by law, but many drivers opt for higher coverage limits to provide additional protection in case of a severe accident.
Legal Consequences of Not Meeting Minimum Insurance Requirements
Failing to meet Illinois’ minimum car insurance requirements can lead to serious legal and financial consequences:
Fines:
- The first offense can result in fines ranging from $500 to $1,000.
- Repeated offenses may lead to even higher fines and penalties.
License Suspension: Your driver’s license can be suspended for up to three months for driving without insurance.
Vehicle Impoundment: In some cases, your vehicle may be impounded, and you’ll be responsible for the fees to retrieve it.
SR-22 Insurance Requirement: You may be required to carry SR-22 insurance for three years, which is often more expensive than standard policies.
Personal Liability: Without insurance, you are personally liable for damages in an accident, which could lead to lawsuits and significant financial hardship.
However, maintaining at least the minimum car insurance required in Illinois is essential to avoid legal troubles and ensure you’re financially protected on the road.
Factors That Affect Car Insurance Rates in Illinois
Several variables come into play when determining how much you’ll pay, and by knowing what these are, you can make more informed decisions. Here’s a breakdown of the most common factors that affect car insurance rates in Illinois:
1. Age
Age is one of the most significant factors influencing car insurance premiums. Younger drivers, particularly those under 25, typically pay higher rates due to their lack of experience and statistically higher risk of accidents. On the other hand, older drivers often enjoy lower premiums, but rates may increase again for seniors as insurers view them as more prone to accidents due to age-related factors.
2. Driving History
Your driving history plays a major role in how much you’ll pay for car insurance. If you have a clean record with no accidents or traffic violations, you’re likely to qualify for lower premiums. However, a history of speeding tickets, accidents, or other violations can increase your rates significantly. Insurers view risky driving behaviors as indicators of future claims, which drives up the cost.
3. Vehicle Type
The type of vehicle you drive also impacts your car insurance rates. High-performance vehicles, luxury cars, and cars with higher repair costs tend to come with higher premiums. Insurers assess how expensive a vehicle would be to repair or replace and how likely it is to be stolen. If you drive a vehicle with advanced safety features, you might benefit from discounts that lower your insurance costs.
4. Location
Where you live in Illinois can also affect your car insurance rates. Drivers in urban areas like Chicago usually face higher premiums than those in rural regions due to higher rates of accidents, theft, and vandalism. Insurers factor in local crime rates, road conditions, and the likelihood of filing a claim when setting premiums for specific locations.
How These Factors Impact the Cost of Car Insurance in Illinois
Each of these factors—age, driving history, vehicle type, and location—carries a different weight in determining your final car insurance premium. Insurers use complex algorithms to assess risk and calculate the likelihood of a claim, which ultimately affects the price you pay.
For example, if you’re a young driver with a recent speeding ticket living in a busy city, you’ll likely face much higher rates than an older driver with a clean record in a rural area. Similarly, owning a high-end sports car in a high-crime area could significantly drive up your premiums compared to driving a modest sedan in a safer, low-traffic region.
By understanding these factors and how they influence your car insurance rates in Illinois, you can take steps to lower your premiums—whether that means improving your driving habits, selecting a safer vehicle, or comparing quotes based on your location.
How to Find Cheap Car Insurance in Illinois
Finding cheap car insurance in Illinois doesn’t have to be a difficult process. With a few strategic steps, you can significantly reduce your premiums while maintaining the coverage you need. Here’s how:
1. Compare Quotes from Multiple Insurers
One of the best ways to find affordable car insurance is by comparing quotes from multiple insurers. Every insurance company uses different formulas to calculate your premium, so shopping around ensures you get the best deal. Start by gathering at least three quotes from reputable companies to see how their rates stack up.
Make sure you’re comparing similar coverage levels and deductibles. This ensures you’re making an apples-to-apples comparison. By doing this, you can avoid overpaying for coverage or missing out on savings.
2. Leverage Discounts
Most insurers offer discounts that can help you lower your premium. Some common discounts to look out for include:
- Safe driver discount: If you have a clean driving record, you may qualify for this discount.
- Multi-policy discount: Bundling your car insurance with other policies like home or renters insurance can save you money.
- Good student discount: If you’re a student maintaining good grades, you may be eligible for a discount.
- Anti-theft devices: Installing safety features like alarms or anti-theft devices could reduce your rates.
Ask each insurer about any discounts you may qualify for to ensure you’re maximizing your savings.
3. Get Free Quotes Online
Many insurers provide free quotes through their websites, making it easier than ever to compare rates. Using free quote tools gives you a clear idea of what you might pay for coverage without any obligation to purchase.
By getting free quotes, you can avoid paying unnecessary fees and explore multiple options from the comfort of your home. The more quotes you get, the better your chances of finding the cheapest car insurance policy that fits your needs.
Top Providers of Cheap Car Insurance in Illinois
Here’s a look at some of the top insurance companies known for offering budget-friendly car insurance options in Illinois.
1. State Farm
State Farm is a popular choice among Illinois drivers, known for its affordable rates and comprehensive coverage options. The company offers various discounts, including those for good students, safe driving, and bundling multiple policies. With excellent customer service and an extensive agent network, State Farm provides both affordability and convenience.
Key Features:
- Discounts for safe driving and vehicle safety features
- 24/7 customer support and claims service
- Multi-policy discounts
2. GEICO
GEICO is well-regarded for its low premiums and extensive discount opportunities, making it one of the cheapest options in Illinois. GEICO offers a user-friendly mobile app that allows drivers to manage their policies and file claims easily. They also provide discounts for military personnel, federal employees, and good drivers.
Key Features:
- Discounts for military, good drivers, and students
- 24/7 online and phone customer service
- Convenient mobile app for managing your policy
3. Progressive
Progressive is another excellent option for cheap car insurance in Illinois. Known for its “Name Your Price” tool, Progressive allows customers to find a policy that fits their budget. The company also offers usage-based insurance through their Snapshot program, which can reward safe drivers with lower rates.
Key Features:
- Discounts for bundling home and auto insurance
- Snapshot program for potential savings based on driving habits
- Customizable coverage options to suit various budgets
4. Allstate
Allstate provides competitive rates and a variety of discounts to help Illinois drivers save on their car insurance. Their Drivewise app rewards good driving behavior, and they also offer discounts for new cars, anti-theft devices, and bundling policies. Allstate is known for solid customer service and multiple coverage options to meet different needs.
Key Features:
- Drivewise program for safe driving discounts
- Discounts for anti-theft devices and good students
- Multiple coverage options and add-ons for customization
5. Country Financial
Country Financial is based in Illinois and offers affordable rates tailored to local drivers. It provides a range of discounts for safe driving, being a good student, and bundling policies. The company also has a reputation for excellent customer service and personalized coverage options.
Key Features:
- Local expertise and tailored coverage
- Discounts for good driving and bundling policies
- Excellent customer service with personalized attention
Comparing Features, Customer Service, and Discounts
When comparing these top providers of cheap car insurance in Illinois, consider their coverage features, customer service quality, and available discounts. While GEICO and Progressive are known for their affordability, State Farm and Allstate stand out for their superior customer service and range of coverage options. Additionally, local companies like Country Financial can offer personalized service and competitive rates that may be particularly beneficial for Illinois drivers.
Shopping around and comparing insurance providers is crucial to finding the best deal. These top providers offer a variety of discounts, features, and reliable customer service, making it easier for you to choose affordable car insurance in Illinois. Whether you’re a safe driver, a student, or looking to bundle policies, there’s a provider that can meet your needs without breaking the bank.
Cheap liability insurance in Illinois
The average cost for liability insurance in Texas is $334 for a 6-month policy. For our user profile, GEICO, Travelers, and Erie offer the cheapest liability insurance in Texas.
Liability-only insurance policies are significantly less expensive than full coverage policies. However, it’s because they provide coverage only for damages you cause to others, not for any damage to your own vehicle or injuries you may sustain. This makes liability-only a budget-friendly option, but it leaves you more financially vulnerable in the event of an accident.
Cheapest Liability Coverage in IL
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $220 | $37 |
| Travelers | $238 | $40 |
| Erie | $256 | $43 |
| USAA | $318 | $53 |
| Progressive | $360 | $60 |
| State Farm | $387 | $65 |
| Allstate | $411 | $69 |
Cheap full coverage insurance in Illinois
In Illinois, you should expect to pay around $991 for a six-month policy. 60% of our Illinois drivers opt for full coverage over minimum liability.
While full coverage provides more protection for you and your vehicle, it tends to be more expensive. We recommend starting your search with GEICO and Erie, as, on average, they offer the cheapest full coverage rates in Illinois.
Full coverage quotes in IL
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $531 | $88 |
| GEICO | $730 | $122 |
| Erie | $773 | $129 |
| USAA | $945 | $157 |
| Progressive | $995 | $166 |
| State Farm | $1,169 | $195 |
| Allstate | $1,388 | $231 |
Best car insurance in Illinois — honorable mentions
To identify the top car insurance companies in Illinois, we evaluated J.D. Power ratings and analyzed consumer feedback from nearly 3,000 drivers across Illinois and the U.S.
Car Insurance Companies in Illinois
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $712 | $119 |
| Erie | $773 | $129 |
| USAA | $945 | $157 |
| Grange | $966 | $161 |
| State Farm | $1,169 | $195 |
| Hanover | $1,528 | $255 |
How have car insurance costs in Illinois changed?
Like many states, Illinois has seen many fluctuations in insurance rates over the years. However, for the past five years, the overall trend has been an increase. In 2024 alone, insurance costs increased $106 year over year.
While overall prices might be increasing, Illinois is still comparatively cheaper than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017.
Car Insurance Costs in Illinois
| Year | Avg. Annual Premium | Yearly Change |
|---|---|---|
| 2024 | $1,623 | $106 |
| 2023 | $1,517 | $3 |
| 2022 | $1,514 | $120 |
| 2021 | $1,395 | $110 |
| 2020 | $1,285 | -$4 |
| 2019 | $1,289 | $32 |
| 2018 | $1,257 | -$539 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Car insurance in popular Illinois cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Unsurprisingly, larger cities like Chicago tend to have higher car insurance rates due to increased traffic congestion, higher accident rates, and elevated crime levels, all of which raise the risk for insurers.
Have a look at the table below to see average car insurance costs in some of Illinois’s biggest cities.
Auto Insurance Quotes in Illinois’ Biggest Cities
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Naperville | $922 | $154 |
| Aurora | $939 | $156 |
| Rockford | $986 | $164 |
| Joliet | $1,032 | $172 |
| Chicago | $1,445 | $241 |
Cheap auto insurance for teens and young drivers in Illinois
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance.
In Illinois, teen drivers pay especially high rates: $3,059/six-month policy — that’s $206 less than the nationwide average and over triple that of a typical Illinois driver.
Cheapest Car Insurance Quotes for Young Drivers in TX
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $1,702 | $284 |
| Travelers | $1,906 | $318 |
| GEICO | $2,235 | $372 |
| USAA | $3,084 | $514 |
| Progressive | $3,410 | $568 |
| Allstate | $3,651 | $609 |
| State Farm | $4,218 | $703 |
Illinois auto insurance quotes after an accident or ticket
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. In Illinois, an at-fault accident in recent years could see your car insurance rates increase by as much as 45%.
Curious where you can find the best rates after an at-fault accident? Check out the table below.
Best Insurance Companies in IL After an Accident
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $703 | $117 |
| Erie | $1,045 | $174 |
| GEICO | $1,130 | $188 |
| USAA | $1,369 | $228 |
| State Farm | $1,462 | $244 |
| Progressive | $1,531 | $255 |
| Allstate | $2,165 | $361 |
Tip: Don’t forget about claims satisfaction
In a perfect world, you wouldn’t need to use your insurance. But if you ever do, a smooth claims process makes all the difference. In our 2024 Customer Satisfaction Survey, we found that Erie and USAA stood out for their claims handling. If you’re in Illinois, these companies are worth at least considering.
In Illinois, a poor driving record can lead to steep increases in your insurance rates. If you get a ticket or citation, expect your premiums to rise, though the exact amount depends on the type of violation, your insurer’s policies, and local regulations. This means tickets can affect your rates differently in Illinois compared to other states.
Illinois Auto Insurance Quotes by Violation
| Accident/Violation | Avg. Annual Premium | $ Rate Increase |
|---|---|---|
| None | $1,984 | $0 |
| One Med/PIP claim | $1,997 | $12 |
| Not-at-fault accident | $2,102 | $118 |
| Two Med/PIP claims | $2,147 | $163 |
| One comp claim | $2,150 | $166 |
| Failure to wear a seat belt | $2,299 | $315 |
| Driving without lights | $2,333 | $349 |
| Two comp claims | $2,336 | $352 |
| Child safety restraint | $2,341 | $356 |
| Failure to show documents | $2,373 | $389 |
| Speeding 6 – 10 MPH over limit | $2,418 | $433 |
| Driving with expired registration | $2,438 | $454 |
| Speeding 11 – 15 MPH over limit | $2,483 | $499 |
| Driving too slowly | $2,498 | $514 |
| Failure to yield | $2,500 | $516 |
| Illegal turn | $2,500 | $516 |
| Failure to stop at a red light | $2,518 | $533 |
| Following too closely | $2,525 | $540 |
| At-fault accident – less than $1000 | $2,525 | $541 |
| Speeding 16 – 20 MPH over limit | $2,526 | $542 |
| Speeding in school zone | $2,530 | $546 |
| Wrong way/wrong lane | $2,545 | $561 |
| Improper passing | $2,545 | $561 |
| Texting while driving | $2,592 | $608 |
| Cell phone violation | $2,592 | $608 |
| Passing school bus | $2,615 | $631 |
| In 65 MPH zone | $2,629 | $645 |
| Speeding 21 – 25 MPH over limit | $2,656 | $672 |
| Operating a vehicle without permission | $2,702 | $718 |
| At-fault accident – $1000-$2000 | $2,873 | $889 |
| At-fault accident – greater than $2000 | $2,910 | $926 |
| Open container | $3,016 | $1,032 |
| Reckless driving | $3,495 | $1,511 |
| Racing | $3,527 | $1,543 |
| Driving with a suspended license | $3,595 | $1,611 |
| Refusal to submit to a chemical test | $3,623 | $1,639 |
| DUI | $3,631 | $1,647 |
| Leaving scene of an accident/hit and run | $3,676 | $1,691 |
How to Lower Your Car Insurance Premiums in Illinois
Reducing your car insurance premiums in Illinois doesn’t have to be complicated. By following a few key strategies, you can keep your insurance costs down while maintaining the coverage you need. Here are some effective ways to lower your car insurance premiums:
1. Drive Safely and Maintain a Good Driving Record
One of the best ways to reduce your car insurance premiums is by driving safely and maintaining a clean driving record. Insurance companies reward drivers who avoid accidents, speeding tickets, and other traffic violations. A safe driving history can lead to significant discounts, as insurers view you as less of a risk. Additionally, some providers offer accident forgiveness programs, which can prevent your premiums from skyrocketing after your first minor accident.
2. Opt for Higher Deductibles or Adjust Coverage Options
Another way to lower your car insurance premiums is by opting for a higher deductible. A deductible is the amount you pay out-of-pocket before your insurance kicks in. By increasing your deductible, you reduce the amount the insurance company has to cover, resulting in lower premiums. However, make sure the deductible you choose is affordable in the event of an accident. You can also consider adjusting your coverage options. For example, if you have an older car, you might want to reduce or eliminate comprehensive and collision coverage.
3. Bundle Insurance Policies for Discounts
Many insurance companies offer discounts when you bundle multiple insurance policies, such as home and auto insurance. By combining policies with the same provider, you can save a significant amount on your premiums. This not only simplifies your insurance management but also offers an easy way to reduce costs. Be sure to shop around and compare bundling options from different insurers to get the best deal.
By implementing these strategies, you can effectively lower your car insurance premiums in Illinois, ensuring you get the coverage you need at a price that fits your budget.
Why You Should Get a Free Quote for Illinois Car Insurance
Getting a free quote for car insurance in Illinois is one of the smartest steps you can take to find the best coverage at the most affordable price. Whether you’re a new driver, looking to switch providers, or simply want to explore your options, a free quote gives you a clearer picture of what different insurers have to offer. Here’s why obtaining a free quote is essential and how comparing multiple quotes can help you save money.
The Process of Obtaining a Free Car Insurance Quote
The process of obtaining a free car insurance quote is simple and hassle-free. Most insurance companies offer online platforms where you can easily input your information to receive an estimate. Here’s a step-by-step guide on how to get a free car insurance quote in Illinois:
- Gather Your Information: Before requesting a quote, have your vehicle details (make, model, year), driver’s license, and driving history handy. This information ensures that the quote is accurate.
- Visit the Insurer’s Website or Use Comparison Tools: Many insurance companies provide online quote tools that allow you to enter your details and get an estimate within minutes. Alternatively, you can use comparison websites to see quotes from multiple insurers at once.
- Input Your Information: You’ll need to enter your personal and vehicle information, as well as any specific coverage needs (liability, comprehensive, etc.).
- Receive Your Quote: Once submitted, the system will generate a quote based on the details you provided. You can often tweak coverage options to see how it impacts the price.
- Review and Compare: Take your time to review the quotes and compare what each provider offers. Be sure to check coverage levels, discounts, and policy details.
How Comparing Quotes Can Save You Money
Comparing car insurance quotes can significantly reduce your insurance costs. Here’s how:
- Identify the Best Rates: Not all insurance companies offer the same rates for the same level of coverage. By comparing quotes, you can pinpoint which company offers the best deal for your specific needs.
- Leverage Discounts: Many insurance companies offer discounts based on factors like your driving history, bundling policies, or installing safety features in your vehicle. Comparing quotes allows you to find the insurer that offers the most applicable discounts.
- Customize Your Coverage: You might find that one insurer offers a policy with more comprehensive coverage at a lower price than another. This way, you can customize your policy to fit your budget without sacrificing necessary coverage.
- Avoid Overpaying: Without comparing, you might be paying more than necessary for similar coverage. Getting multiple quotes ensures you’re not locked into a higher rate when better deals are available.
However, obtaining a free car insurance quote in Illinois and comparing multiple quotes can save you money while helping you find the right coverage for your needs. Don’t settle for the first offer—explore your options to make an informed decision.
FAQs about Car Insurance in Illinois
1. What is a car insurance quote?
A car insurance quote is an estimate of the premium you’ll pay for auto coverage based on the information you provide. In Illinois, quotes vary depending on factors like your driving history, the type of car you drive, and the coverage options you choose.
2. How can I get a car insurance quote in Illinois?
You can obtain a car insurance quote in Illinois by contacting insurance companies directly, using online comparison tools, or working with an insurance broker. It’s essential to compare multiple quotes to find the best coverage and rates.
3. What factors affect car insurance quotes in Illinois?
Several factors influence car insurance quotes in Illinois, including your age, driving record, credit score, location, and the type of vehicle you drive. Additionally, the level of coverage you choose and any applicable discounts will also affect your quote.
4. Why do car insurance quotes vary between providers in Illinois?
Car insurance quotes differ between providers because each company uses its own formula to assess risk. These variations in underwriting standards, discount offerings, and coverage options can lead to different premium estimates for the same driver.
5. How can I lower my car insurance quote in Illinois?
To reduce your car insurance quote in Illinois, consider raising your deductible, bundling policies, maintaining a good credit score, and taking advantage of discounts like safe driver or multi-vehicle discounts. Regularly reviewing your policy and shopping around can also help you find lower rates.
6. Is car insurance mandatory in Illinois?
Yes, Illinois law requires all drivers to carry a minimum amount of liability insurance. Driving without insurance can result in fines, license suspension, and other penalties.
7. What are the minimum car insurance requirements in Illinois?
In Illinois, drivers must carry at least $25,000 per person and $50,000 per accident for bodily injury liability, plus $20,000 for property damage liability. Uninsured motorist coverage is also mandatory.
8. Can I get a quote for car insurance in Illinois with a bad driving record?
Yes, you can still obtain car insurance quotes in Illinois with a bad driving record, but expect to pay higher premiums. Some insurers specialize in high-risk drivers and may offer more competitive rates.
9. How often should I shop for car insurance quotes in Illinois?
It’s advisable to shop for car insurance quotes in Illinois at least once a year or whenever there’s a significant change in your driving status, such as moving, buying a new car, or adding a driver to your policy.
10. What should I consider when comparing car insurance quotes in Illinois?
When comparing car insurance quotes in Illinois, look beyond the price. Consider the coverage options, customer service reputation, claim process, and any available discounts. It’s crucial to ensure that the policy meets your needs and provides adequate protection.
Conclusion
In conclusion, finding affordable car insurance in Illinois is crucial for meeting the state’s legal requirements while protecting your vehicle and finances. We’ve discussed the minimum coverage mandates, the importance of liability protection, and tips to lower your insurance rates, such as maintaining a clean driving record and comparing quotes from different providers.
Now that you understand how to secure cheap car insurance in Illinois, it’s time to take action. Don’t wait until it’s too late—get a free, no-obligation quote today and start saving on your auto insurance premiums. With the right policy in place, you’ll enjoy peace of mind on the road while staying within budget. Get started now and drive with confidence!
References
To ensure accuracy and provide further reading on the topic of cheap car insurance in Illinois, here are some reputable sources that delve deeper into the subject. These sources will also offer insights into how Illinois insurance regulations, costs, and options impact consumers. Each link is included for easy navigation and validation of the information presented.
- Illinois Department of Insurance – The official state resource for all things related to insurance regulations, licensing, and consumer protections in Illinois. Learn more here.
- The Zebra: Illinois Car Insurance Rates – A comprehensive guide that provides updated data on car insurance rates across different cities in Illinois. This source also compares rates from top insurers to help consumers make informed decisions. Explore their insights here.
- Insurance Information Institute: Illinois Car Insurance Laws – This institute breaks down Illinois-specific car insurance laws, minimum coverage requirements, and penalties for uninsured driving. Access their breakdown here.
- NerdWallet: Best Cheap Car Insurance in Illinois – A detailed review of affordable car insurance companies in Illinois, with recommendations based on customer satisfaction and pricing. Check out the review here.
- Illinois Secretary of State: Auto Insurance – For official guidelines on Illinois car insurance mandates, including the minimum liability coverage and the process for registering an insured vehicle. Find more information here.
These references provide credible and up-to-date information, helping readers navigate the complexities of car insurance in Illinois.
