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Best car insurance in Illinois for 2022

Updated Nov 15, 2022
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Nationally, the average annual premium for full coverage car insurance is $1,771. Drivers in Illinois, however, could expect to pay less, with an annual average of $1,533. Although an affordable rate is essential, Bankrate understands that every driver has unique needs when it comes to car insurance. Premium may be top-of-mind for some, but for others, a full-service website and mobile app could be a priority. Considering this, Bankrate used proprietary rate data coupled with decades of industry experience to analyze a wide array of metrics to bring you the best car insurance in Illinois.

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Key takeaways
  • With an annual full coverage premium of $1,533, car insurance in Illinois is, on average, 15 percent less than the national average of $1,771.
  • Although Illinois’ rates may be lower than average, drivers in Chicago can expect to pay more with an average annual full coverage rate of $2,069.
  • Our extensive research shows you could find the best auto insurance in Illinois with Travelers, Geico and Erie.

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How Bankrate chose the best car insurance companies in Illinois

Using proprietary rate data provided by Quadrant Information Services, Bankrate uncovered the companies that may offer the cheapest auto insurance in Illinois for both full and minimum coverage policies. In addition to rates, we reviewed other essential factors such as J.D. Power customer satisfaction ratings, AM Best financial strength ratings, mobile accessibility and coverage add-on options. Using this information, we issued each company a Bankrate Score, ranging from 0.0 to 5.0 (with 5.0 being the highest score possible). Our goal is to give shoppers the information they need to have a holistic view of Illinois’ best car insurance companies.

Best car insurance companies in Illinois

The average annual premium for full coverage auto insurance in Illinois is $1,533. For minimum coverage, the Illinois average is $475. Based on rate data provided by Quadrant Information Services, Travelers, Geico, Erie, Auto-Owners and Mercury topped Bankrate’s roundup as some of the best car insurance companies in Illinois. To help you choose the best car insurance provider for you, we broke down these carriers by their average annual premium, customer satisfaction score from J.D. Power’s 2022 U.S. Auto Insurance Study and an individualized Bankrate Score.

Based on Bankrate’s research, the companies offering the best auto insurance in Illinois are:

Travelers
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (North Central region)
818
/1,000
Average annual full coverage premium
$1,275
Average annual minimum coverage premium
$485
Geico
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (North Central region)
847
/1,000
Average annual full coverage premium
$962
Average annual minimum coverage premium
$268
Erie
Rating: 4.6 stars out of 5
4.6
Bankrate Score
Info Hover for more
J.D. Power score (North Central region)
876
/1,000
Average annual full coverage premium
$1,069
Average annual minimum coverage premium
$545
Auto-Owners
Rating: 4.5 stars out of 5
4.5
Bankrate Score
Info Hover for more
J.D. Power score (North Central region)
834
/1,000
Average annual full coverage premium
$1,188
Average annual minimum coverage premium
$343
Mercury
Rating: 4.1 stars out of 5
4.1
Bankrate Score
Info Hover for more
J.D. Power score (North Central region)
Not rated
Average annual full coverage premium
$998
Average annual minimum coverage premium
$302
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best car insurance company for optional car insurance coverage

J.D. Power:
818 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 485
Avg annual premium for full coverage:
$ 1,275
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for stacking car insurance discounts

J.D. Power:
847 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 268
Avg annual premium for full coverage:
$ 962
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for highly rated customer service

J.D. Power:
876 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 545
Avg annual premium for full coverage:
$ 1,069
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for working with a local agent

J.D. Power:
834 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 343
Avg annual premium for full coverage:
$ 1,188
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for competitive rideshare coverage

J.D. Power:
Not rated
AM Best:
A
Avg. annual premium for minimum coverage:
$ 302
Avg annual premium for full coverage:
$ 998
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average cost of car insurance in Illinois

The national average cost of car insurance in the U.S. is $1,771 annually for a full coverage policy, whereas the average cost for full coverage in Illinois is $1,533 per year. These rates are 2022 quoted annual premiums from Quadrant Information Services. Rates may vary for each driver by provider.

Although drivers near Chicago may find that their premiums are higher than the state average due to the higher likelihood of accidents on the area’s congested roadways, most of Illinois pays lower-than-average premiums for car insurance when compared on a national level. Regionally, however, Illinois is higher than many states in the Midwest. Wisconsin drivers, for instance, pay an average of $1,246 annually for full coverage. Rates in Indiana are similar to Wisconsin’s, averaging $1,242 per year.

Although lower than the national average, Illinois rates may be higher than in neighboring states due to Chicago’s increased risk.

Average annual premium for minimum coverage in Illinois Average annual premium for full coverage in Illinois
$475 $1,533

How to find the best car insurance in Illinois

The best car insurance company will vary from driver to driver. Some Illinois motorists value paying via a mobile app or diverse coverage options while others are looking for the cheapest premium available. Regardless of your preferences, the steps below can help you find the best car insurance in Illinois for your lifestyle.

Consider minimum insurance requirements in Illinois

When determining what coverage you need, you may want to look into Illinois car insurance laws and state minimum requirements. Specific limits and minimum liability requirements can be found on the Illinois Department of Insurance website. If you purchase higher limits of uninsured motorist coverage, you will also be required to purchase underinsured motorist coverage. Uninsured motorist coverage protects your finances if you are hit by a driver who has no insurance; underinsured motorist coverage is designed to help pay the overage if the driver who hit you does not have enough coverage to pay for your damages.

Consider lender requirements

If you finance or lease your vehicle, lenders often require full coverage insurance. In addition to liability coverage, you may also be required by your lender to purchase collision and comprehensive coverage to insure the vehicle. If you damage or total your vehicle, lenders need to make sure funds are available to pay the damages to repair your vehicle. You may also want to consider purchasing gap insurance for newer financed vehicles. Gap insurance will pay the value between what the car is worth and what you owe on the vehicle if it’s totaled in a covered accident or stolen & unrecoverable.

Consider your individual needs

Car insurance is a highly-personalized product, so no one company is best for all drivers. For instance, some drivers may need to carry SR-22 insurance, so they must find a company that can accommodate that. Others could work a non-standard work schedule, so instead of local offices, they may need a company that is open 24/7 via a customer service hotline. While a company's overall rate is essential when shopping for the best car insurance in IL, it’s also vital to prioritize any other individual needs that you may have.

Car insurance discounts in Illinois

If you’re looking for the best auto insurance in Illinois while living on a budget, auto insurance discounts are a great way to lower your car insurance premium. If you qualify for any of the following discounts, you may want to compare quotes from auto insurers that offer these deals:

  • Young driver discounts: If you have a student in your family, there could be numerous ways to save. Your young driver may qualify for a good student discount if they get good grades, a distant student discount if they go to college without a vehicle or a safe driver discount if they took an approved driver training course.
  • Safe driver discounts: Those with clean driving records or no previous claims may qualify for lower rates. You may also be able to participate in a usage-based telematics program, in which a company installs a device that tracks your driving in real-time and rewards safe practices.
  • Other discounts: Your company may offer a discount for completing an online defensive driving course. Depending on your company's guidelines, you may pay a small fee to enroll in the class, but your discount savings could outweigh this cost. However, not all companies offer this discount, so you will have to contact your agent for details.

When shopping for car insurance, Illinois residents may want to keep in mind that every insurance company has a different set of discounts. Talking to an agent or researching discounts on a company’s website may help you identify areas you could save.

Frequently asked questions

Written by
June Sham
Insurance Writer

June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies.

Edited by Insurance Editor
Reviewed by Assistant Vice President & Claims Field Manager