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- The average price for car insurance in Illinois is $40 monthly for minimum coverage and $115 per month for a full-coverage policy.
- Pekin Insurance offers the lowest average rates in Illinois for both minimum coverage and full coverage.
- High-risk drivers with at-fault accidents, DUI violations, and speeding tickets on their driving records will likely pay higher rates for Illinois car insurance.
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Pekin Insurance usually provides the cheapest car insurance in Illinois, as seen by its average rate estimate of $22 per month for state minimum coverage. Other solid options for affordable coverage across Illinois include Country Financial and Auto-Owners.
Our team researched cost data, coverage choices, customer reviews, and industry reputations to discover which companies offer the best car insurance in Illinois. To make recommendations, we’ll unpack average costs and customer service reputations of various providers that serve the Prairie State.
Best Car Insurance Rates in Illinois
The cheapest auto insurance rates for Illinois drivers tend to come from Pekin Insurance, Country Financial, and Auto-Owners. To find your lowest prices, however, reach out to multiple providers for car insurance quotes that are specifically tailored to your vehicle.
- Our researchers used cost data from Quadrant Information Services to find insurance premium estimates for different coverage types, driver profiles, and cities in Illinois. We used this data to determine the cheapest coverage options from quality car insurance providers, and you’ll find details in tables throughout the article.
- To determine an overall rating for each top insurance company, our team considers not only affordability but also industry standing, availability, and coverage options. We then factor in the customer experience and online reviews to establish a numerical rating out of the highest possible score of 5.0.
- Unless stated otherwise, estimates reflect the profile of a 35-year-old driver with a clean driving record and good credit history.
Illinois Car Insurance Rates at a Glance
While you’ll find detailed cost estimates throughout this article, we’ve listed out the cheapest car insurance companies in Illinois for a couple of driver profiles right here:
- Cheapest full coverage: Pekin Insurance followed by Progressive
- Cheapest minimum coverage: Pekin Insurance followed by Country Financial
- Cheapest for teen drivers: Pekin Insurance followed by Country Financial
- Cheapest for drivers with a traffic violation: Pekin Insurance followed by State Farm
Cheapest Car Insurance Companies in Illinois
Below are the companies that give drivers the strongest combination of affordability and quality when they purchase car insurance in Illinois. The Prairie State’s cheapest coverage usually comes from Pekin Insurance, though State Farm receives our highest score nationwide.
|Car Insurance Provider||Overall Rating||Average Monthly Rate: Minimum Coverage||Average Monthly Rate: Full Coverage||Number of Discounts|
Cheapest Auto Insurance Coverage in Illinois
Expect the cheapest car insurance in Illinois to be a minimum-liability coverage plan. You’ll meet the state’s auto insurance requirements with this policy, but it won’t protect your own car or take care of personal bodily injuries.
Getting a full-coverage plan is recommended because it keeps your own car safe and covers personal medical bills along with those of other drivers. You’ll pay much more than for minimum coverage but could save money if you end up in an at-fault accident.
Cheapest Minimum-Liability Car Insurance in Illinois
The average rate estimate for a minimum-coverage policy in Illinois is $40 per month or $480 per year. Pekin Insurance generally has the state’s cheapest minimum-liability plans with average prices of $22 per month or $264 per year.
|Car Insurance Provider||Average Monthly Rate for Minimum Coverage||Average Yearly Rate for Minimum Coverage|
Cheapest Full-Coverage Car Insurance in Illinois
The average rate for full-coverage car insurance in Illinois is $115 per month or $1,380 per year. Once again, Pekin Insurance has the cheapest average estimates for full-coverage car insurance at $60 per month or $720 per year.
|Car Insurance Provider||Average Monthly Rate for Full Coverage||Average Yearly Rate for Full Coverage|
Illinois Car Insurance Quotes by Driver Profile
There’s a strong chance that your costs for car insurance in Illinois will be different than what’s found above. After all, auto insurance companies base individual premiums on variables such as your age, driving record, and location in Illinois.
Cheapest Car Insurance in Illinois: Age
Age plays a major role in setting the price of auto insurance. Young drivers and teen drivers in particular often pay far more for car coverage than those in other age groups. The table below shows average rate estimates for Illinois drivers of different ages:
|Driver Age||Average Monthly Rate for Minimum Coverage||Average Monthly Rate for Full Coverage|
Cheapest Car Insurance in Illinois: High-Risk Drivers
Since your driving history is a key component of Illinois auto insurance rates, expect to be charged less if you have a clean driving record. At-fault accidents and driving violations like speeding tickets will usually lead to higher premiums.
The amount that your driving record impacts monthly costs varies by auto insurer. Below is a list of the top car insurance companies in Illinois and their average minimum-coverage rates for good drivers versus high-risk drivers.
|Car Insurance Provider||Average Monthly Rate for Clean Driving Records||Average Monthly Rate for High-Risk Drivers|
Car Insurance Rates in Illinois: Speeding Ticket
Even a single speeding ticket could cause your insurance premiums to spike. Illinois drivers receive their cheapest car insurance rates after a speeding ticket from Pekin Insurance, with an average rate estimate of $29 per month or $348 each year.
|Car Insurance Provider||Average Monthly Rate After a Speeding Ticket||Average Yearly Rate After a Speeding Ticket|
Car Insurance Rates in Illinois: At-Fault Accident
Drivers who are found at fault for a car accident are likely to get higher prices. Once again, Pekin Insurance often provides the cheapest car insurance in Illinois after a recent accident with average rate estimates of $30 per month or $360 per year.
|Car Insurance Provider||Average Monthly Rate After an At-Fault Accident||Average Yearly Rate After an At-Fault Accident|
Car Insurance Rates in Illinois: DUI
If you get a driving under the influence (DUI) violation, your premiums for car insurance in Illinois will probably soar. State Farm has the lowest average prices for these drivers, with rates of $40 per month or $480 each year.
|Car Insurance Provider||Average Monthly Rate After a DUI||Average Yearly Rate After a DUI|
Average Cost of Car Insurance in Illinois
The average cost of car insurance in Illinois comes out to $480 per year for minimum-liability insurance and $1,380 annually for full coverage. These rates are 23% lower than the national average for minimum coverage and almost 28% lower than the national rate for full coverage. Keep in mind, however, that drivers in Chicagoland will likely pay higher prices overall.
Average Car Insurance Cost in Illinois by City
Your location in the Prairie State makes a big difference in the car insurance premiums you may receive. Possible risk factors like population density, crime rates, and weather patterns vary across ZIP codes, leading to differing car insurance rates. The following table shows the average rates for car insurance in Illinois’ largest cities.
|Cities in Illinois||Average Monthly Rate for Minimum Coverage||Average Monthly Rate for Full Coverage|
Illinois Minimum Car Insurance Coverage
Illinois law requires that all drivers either meet or exceed the following car insurance requirements:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
- $25,000 uninsured motorist bodily injury coverage per person
- $50,000 uninsured motorist bodily injury coverage per accident
While liability insurance and uninsured motorist coverage are helpful, they don’t protect against everything. Both insurance agents and experts recommend going past the Prairie State’s minimum requirements. After all, carrying higher coverage and liability limits could protect you from paying large sums of money out of pocket after an accident.
Comprehensive coverage and collision coverage provide protection against repair costs to your own vehicle after thefts, vandalism, car accidents, and severe weather. Other types of coverage such as medical payments coverage (MedPay), underinsured motorist coverage, and roadside assistance could also lower medical expenses and contribute to your peace of mind.
Cheap Car Insurance in Illinois: Conclusion
The cheapest car insurance in Illinois regularly comes from Pekin Insurance, which has average rates of $22 per month. Make sure to compare auto insurance quotes from multiple providers, however, to figure out if you could get cheaper coverage somewhere else.
You may also want to opt for the protection of a full-coverage auto insurance policy. The best rates we found for full coverage were as low as $60 per month and also came from Pekin. More coverage means higher rates, but also greater peace of mind and stronger financial protection.
Best Car Insurance in Illinois: Recommended Providers
A few providers are known to offer cheap auto insurance in Illinois, but that doesn’t necessarily make them right for you. Because of this, it’s smart to get free quotes from various providers to find personalized best rates. We suggest that you consider Pekin Insurance and Country Financial in your search for the best auto insurer in Illinois.
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Pekin Insurance: 4.0 out of 5.0
While it’s less known than other car insurance providers, Pekin Insurance typically offers the cheapest car insurance in Illinois for both full and minimum coverage. The company received an A+ rating and accreditation from the Better Business Bureau (BBB) and earned an A- score for financial strength from AM Best. One of the main downsides of Pekin Insurance is that you’ll need to reach out to an agent to get a car insurance quote.
Country Financial: 4.2 out of 5.0
Country Financial is another option for reasonable car insurance in the state of Illinois. The Bloomington-based provider has 11 car insurance discounts such as for safe driving practices, for having multiple policies, and for being a good student or a first responder. AM Best gives Country Financial an A+ score for its financial health and the BBB offers it an A+ rating for customer service.
Cheapest Auto Insurance in Illinois: FAQ
Which company gives the cheapest car insurance?
State Farm often offers the cheapest car insurance when it comes to national averages. Drivers in Illinois tend to receive their lowest premiums from Pekin Insurance and Country Financial.
How much is car insurance per month in Illinois?
The average cost of car insurance in Illinois each month is $40 for a minimum-coverage policy and $115 for full coverage. Our review team found rates in Illinois as low as $22 per month for minimum coverage and $60 for full-coverage policies.
How to reduce car insurance in Illinois?
The best ways to reduce your car insurance cost in Illinois are by lowering your amounts and types of coverage, increasing your deductible, and seeking out driver discounts. Improving your credit score and bundling coverage with homeowners or renters insurance are other ways to get low rates over time.
How much is car insurance on average in Illinois?
Car insurance in Illinois averages out to $480 per year for minimum coverage and $1,380 annually for full-coverage policies.
Is it illegal to drive without insurance in Illinois?
Yes, it’s absolutely illegal to drive without car insurance in Illinois. If you’re caught driving uninsured in the Prairie State, you’ll face a fine of at least $500 and could have both your driver’s license and vehicle registration suspended.
Is it cheaper to pay car insurance every six months or monthly?
You’ll likely be charged less if you pay for car insurance policies every six months rather than on a per-month basis. Many auto insurers give discounts for paying policies upfront, though this savings opportunity isn’t provided everywhere.
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.
- Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
- Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
- Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
- Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
- Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
- Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.
*Data accurate at time of publication.