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The Best Cheap Illinois Car Insurance for 2022

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Illinois requires all of its drivers to have car insurance, but it can carry a hefty price tag. The average driver can expect to pay over $2,000 per year in premiums, but you could slash the price tag considerably by choosing the right Illinois auto insurance provider. Here's a look at some of the best options for several common driver profiles.

  • Cheapest for typical drivers: Farmers
  • Cheapest for drivers with prior accidents: Farmers
  • Cheapest for drivers with prior speeding tickets: Farmers
  • Cheapest for young drivers: COUNTRY Financial
  • Cheapest for senior drivers: Geico
  • Cheapest for drivers looking for minimum coverage: Farmers
  • Cheapest for drivers with poor credit: COUNTRY Financial

Cheapest for typical drivers

Female drivers with clean records pay about $1,807 per year for Illinois auto insurance while men pay about $1,839 per year. This is based on the profiles of 35-year-old male and female drivers with no speeding tickets or accidents.

Farmers offers female drivers insurance for about $1,079 per year on average while male drivers pay about $1,043 per year.

Farmers

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Best for Illinois Drivers with a clean driving recordFarmers
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Other low-cost car insurance providers in Illinois include:

  • Geico, where female drivers pay about $1,328 per year on average and male drivers pay about $1,125 per year
  • State Farm, where male and female drivers see annual Illinois auto insurance premiums of $1,371 on average

Cheapest for drivers with prior accidents

Farmers also offers the cheapest car insurance in Illinois for drivers with a single accident on their record. Its average premium of $1,425 per year was over $1,000 less than the state average of $2,562 for these drivers.

Drivers with imperfect records may also want to check out the following Illinois auto insurance providers:

  • State Farm, where drivers with a single accident on their records pay about $1,606 for car insurance
  • American Family, which has an average annual premium of $1,773 for these drivers

Cheapest for drivers with prior speeding tickets

Drivers with a single speeding ticket pay about $2,333 per year for Illinois auto insurance. But those who go with Farmers only pay about $1,301 annually.

The following companies also offer cheap car insurance quotes in Illinois to drivers with speeding tickets:

  • State Farm, where drivers with one speeding ticket pay about $1,488 annually
  • Geico, which has average annual premiums of $1,505 for these drivers

Cheapest for young drivers

Young drivers pay about $4,850 annually for Illinois auto insurance. This is based on the profile of an 18-year-old male driver with a clean record. But teens and young drivers who choose COUNTRY Financial can get coverage for about $2,306 per year on average.

Country Financial

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Country Financial
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Teen drivers can also get affordable car insurance in Illinois from the following companies:

  • Farmers, where 18-year-old drivers pay about $2,852 per year on average
  • Geico, which charges teen drivers about $3,341 annually

Cheapest for senior drivers

Geico offers the cheapest car insurance in Illinois for senior drivers at just $831 per year on average. That's about half the state average of $1,616 per year.

Geico

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Best for Seniors in IllinoisGeico
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Seniors can also find cheap auto insurance in Illinois with the following insurers:

  • Farmers, where 65-year-old drivers pay about $1,009 annually
  • COUNTRY Financial, which charges seniors an average annual premium of $1,124

Cheapest for drivers looking for minimum coverage

The average cost of cheap liability car insurance in Illinois is $627 per year. But drivers who go with Farmers can get that coverage for just $362 annually.

These two insurers are also among the best car insurance companies in Illinois for cheap minimum coverage:

  • Geico, which charges about $378 annually for Illinois minimum car insurance coverage
  • COUNTRY Financial, where drivers pay about $402 on average for state minimum insurance

Cheapest for drivers with poor credit

Drivers with low credit pay about $2,954 for Illinois auto insurance on average. But COUNTRY Financial only charges these drivers about $1,666 in annual premiums.

Drivers with poor credit should also shop around for Illinois auto insurance with these companies:

  • Farmers, which offers drivers with poor credit an average annual premium of $1,807
  • Geico, which charges about $2,167 per year on average to drivers with poor credit

Average cost of car insurance in Illinois compared to the national average

"How much is car insurance in Illinois?" is an often-searched topic, but there isn't a simple answer. Rates vary significantly, depending on the driver in question, their vehicle, their location within the state, and more.

But if you want a ballpark, Illinois drivers pay about $2,183 per year on average. That's 19% lower than the national average of $2,646 per year.

Looking at rates for various driver profiles shows that Illinois is typically coming under the national average with young drivers seeing 21% lower rates, while drivers with blemishes on their record in Illinois are paying just shy of 20% less than similar drivers around the country.

Average Rate Category Illinois National Average
Overall $2,183 $2,646
Young drivers $4,850 $5,988
1 accident on driving record $2,562 $3,092
1 speeding ticket on driving ercord $2,333 $2,766
What drivers in Illinois can expect to pay for car insurance compared to the national average

Illinois auto insurance laws

All drivers should familiarize themselves with the following Illinois car insurance laws:

Illinois is an at-fault state

Like most of the country, Illinois is an at-fault auto insurance state. This means that in an accident involving two or more vehicles, the driver who is found to be at fault must pay for the vehicle repairs and medical costs for all parties involved. This can get expensive, quickly exceeding state minimum coverage in severe accidents.

Consequences for driving without insurance in Illinois

Drivers who don't carry at least the minimum Illinois auto insurance could face the following consequences:

  • Suspended vehicle registration, with a $100 reinstatement fee
  • Fines of up to $1,000

Illinois minimum coverage requirements

All drivers must have at least the following Illinois auto insurance coverage:

Bodily injury liability coverage

Drivers must have at least:

  • $25,000 of bodily injury liability coverage per person
  • $50,000 of bodily injury liability coverage per accident

Property damage liability coverage

Drivers must also have at least $20,000 in property damage liability coverage. This is a little lower than what many other states require.

How to get cheap auto insurance in Illinois

Drivers looking to score the cheapest car insurance in Illinois should do the following:

  • Get quotes from several insurers. Each insurance company weighs a driver's application a little differently. Some may penalize drivers for accidents or poor credit more than others, so getting car insurance quotes is the only way to know which offers you the best deal.
  • Take advantage of all possible discounts: Insurers apply some driver discounts automatically for those who qualify. But there are others drivers must opt into, like those that involve installing a monitoring device in the vehicle. It's up to each person to decide whether this is worth it, but it could help safe drivers reduce their costs further.
  • Choose a higher deductible. Deductibles are out-of-pocket costs drivers pay when they file a claim. Choosing a higher one typically lowers premiums, but make sure to save enough for the deductible in an emergency fund.

Other things to consider when looking for car insurance in Illinois

Here are a few other things to keep in mind when shopping for Illinois auto insurance:

Illinois sees thousands of car thefts annually

Nearly 19,000 vehicles were stolen in Illinois in 2019, according to the Insurance Information Institute. That's the ninth-highest rate in the country. State minimum coverage won't protect drivers in this case. They'll need to add comprehensive coverage, which pays for damages due to theft, animal-vehicle collisions, vandalism, and weather damage.

State minimum protection doesn't protect your vehicle

Drivers who cause an accident won't get any help from their insurer when it comes to fixing their own vehicle unless they add collision coverage to their policy. Lenders often require this of drivers with a lease or loan on their vehicles. It's not a bad idea to add uninsured and underinsured motorist coverage, too. This protects drivers if they're hit by another driver that doesn't have insurance or doesn't have enough coverage to pay for the full cost of the accident.

Need homeowners insurance? Check out The Ascent's guide to the best cheap homeowners insurance in Illinois.

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