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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.
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.
Other low-cost car insurance providers in Illinois include:
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:
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:
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.
Teen drivers can also get affordable car insurance in Illinois from the following companies:
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.
Seniors can also find cheap auto insurance in Illinois with the following insurers:
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:
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:
"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|
|1 accident on driving record||$2,562||$3,092|
|1 speeding ticket on driving ercord||$2,333||$2,766|
All drivers should familiarize themselves with the following Illinois car insurance laws:
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.
Drivers who don't carry at least the minimum Illinois auto insurance could face the following consequences:
All drivers must have at least the following Illinois auto insurance coverage:
Drivers must have at least:
Drivers must also have at least $20,000 in property damage liability coverage. This is a little lower than what many other states require.
Drivers looking to score the cheapest car insurance in Illinois should do the following:
Here are a few other things to keep in mind when shopping for Illinois auto insurance:
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.
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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The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only — your own quotes may be different.
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