Parts of Illinois have some of the busiest roadways in the country. In 2018, the most recent year with available data, there were over 319,000 crashes in Illinois, over 20% of which resulted in injuries or deaths. In a state with 8.5 million licensed drivers, there are plenty of other vehicles to look out for on the road. Car insurance helps protect you financially if an accident happens.
If you are shopping for the best car insurance in Illinois, there are several factors to consider, including price, customer service and financial strength scores, available coverages and discount offerings. Bankrate’s insurance editorial team has reviewed the major insurance companies operating in Illinois to help you make an educated decision about your auto insurance.
Best car insurance companies in Illinois
To make choosing an insurance provider a more manageable task if you live in Illinois, we have reviewed the insurance companies in Illinois and assigned a Bankrate Score based on each company’s third-party rating scores, average premiums, coverage and discounts. Each Bankrate Score is out of 5.0; companies with a higher Bankrate Score received higher marks in the scoring categories.
Based on the research we conducted, the best auto insurance companies in Illinois are:
|Provider||Bankrate Score||Average annual full coverage premium||J.D. Power auto claims satisfaction score|
|Auto-Owners||4.6||$1,126||890 / 1,000|
|Country Financial||4.6||$1,648||863 / 1,000|
|Geico||4.6||$928||871 / 1,000|
|Travelers||4.6||$916||861 / 1,000|
|USAA*||4.7||$1,242||890 / 1,000|
*USAA is not officially ranked by J.D. Power due to eligibility restrictions.
Auto-Owners offers reliable auto coverage with a personal touch through a network of independent agents. To get an Auto-Owners insurance policy, you must work with an agent in your area rather than purchasing a policy online. Auto-Owners offers standard auto insurance coverages plus several endorsements to customize your policy, including diminished value coverage and gap insurance. The company also offers numerous discounts that might help you save on your premium.
Country Financial may not be the most well-known company on our list, but it may be worth your time to get a quote if you live in Illinois. Country Financial sells insurance in 19 states, and its coverage includes numerous options to tailor your policy to your needs. For example, if you have a newer vehicle, “The Keeper” coverage might be a good option. If your vehicle is totaled and you have this endorsement, Country Financial will pay for you to purchase a brand new car of the same make and model. Although its premium is the highest on our list, Country Financial also offers several discounts that could help you save.
If budget is your primary concern, Geico may be a good choice. The company consistently offers low premiums and a suite of discounts that might help you save even more. You could earn a discount for being a member of the military, a safe driver or a federal employee and if you have vehicle safety equipment. Geico’s policies are relatively basic, though, without many options for customization.
Travelers offers the lowest average full coverage premium in Ohio, based on our research. On top of that, the company has a long list of discounts that could help you save even more. You can also add numerous endorsements to your policy, including new car replacement, accident forgiveness and ridesharing coverage. However, Travelers did receive the lowest average J.D. Power score for claims satisfaction of the companies on our list.
USAA consistently receives high scores from J.D. Power. However, the company is not eligible for official ranking because it only sells insurance to current and past military members and their immediate families. If you qualify for coverage, though, USAA offers solid coverages and military-focused discounts, like discounts for garaging your vehicle on a military base and storing it while deployed.
Average cost of car insurance in Illinois
Car insurance in Illinois is generally cheaper than in the rest of the country. The average cost of car insurance in the U.S. is $1,674 annually for a full coverage policy, whereas the average cost for full coverage in Illinois is $1,485 per year. Minimum coverage is also cheaper in Illinois, with an average annual premium of $442. Drivers in the U.S. as a whole pay $565 per year for minimum coverage.
Although drivers near Chicago may find that their premiums are higher than the national 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. Numerous factors could cause this lower-than-average premium, including a lower incidence of accidents, less expensive accidents and fewer uninsured drivers on the road.
|Average annual premium for minimum coverage in Illinois||Average annual premium for full coverage in Illinois|
State minimum insurance requirements in Illinois
Like many states, Illinois requires its drivers to carry certain minimum auto insurance limits to drive legally. The state minimum limits in Illinois are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage
- $25,000 uninsured motorist bodily injury liability per person
- $50,000 uninsured motorist bodily injury liability per accident
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 pay the overage if the driver who hit you does not have enough coverage to pay for your damages.
Although minimum coverage is often a less expensive option, it could leave you with out-of-pocket expenses if you cause an accident and the damages exceed your insurance limits. Additionally, minimum coverage does not include any coverage for your vehicle. If you have a loan or lease or want coverage for damage to your car, you will need full coverage.
How to get the best car insurance in Illinois
Because premium costs are different for everyone, the cheapest car insurance in Illinois will depend on the individual. The cost of auto insurance is highly individualized, so to price policies, auto insurance providers draw on information such as age, gender, location, car type and driving history. If you are shopping for car insurance, you may want to:
- Evaluate your needs: Factors like teen drivers or a poor credit score can affect your rates. Understanding what specific rating factors may impact your premium might help you know which companies are best for your scenario. For example, getting quotes from companies that offer numerous discounts for teens may be a good idea if you have a teen driver.
- Consider state factors: While you have to purchase at least the state’s minimum coverage limits to be a legal driver, you may want to consider other local factors. Suppose you live in a metropolitan area and store your car outside. In that case, you may want to purchase comprehensive coverage to protect yourself against the costs of repairing vandalism damage or replacing your vehicle if it is stolen. If you live in an area known for a high incidence of car accidents, you may consider higher liability limits to protect yourself if you cause an accident.
Car insurance discounts in Illinois
Car insurance discounts are a great way to lower your auto insurance premium. Depending on which car insurance company you choose, you may be eligible for numerous discounts, which could increase your savings. Some common discounts in Illinois are:
- Multi-policy discounts: If you have a home or renters insurance policy, you might consider purchasing your auto insurance from the same company. This is often called bundling and could earn you a discount on each policy.
- Student discounts: If you insure a student, 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 car or a safe driver discount if they took a driver training course.
- Telematics discounts: Many companies offer a telematics program designed to track your driving habits via a mobile app or plug-in device. You then earn a customized discount based on your driving.
- Safety features discounts: If your vehicle has safety features like forward collision warning, automatic braking, side curtain airbags or anti-lock brakes, you might get a discount.
- Mileage discounts: If you work close to your home, work from home or otherwise do not drive much, you may qualify for a discount.
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
What is the best car insurance in Illinois?
The best car insurance company and the cheapest car insurance company will depend on the individual. Your specific rating factors, like age, gender, driving history, the type of car you have and the coverage that you choose will all impact your premium. Getting quotes from several companies can be beneficial; you may be able to compare premiums, coverages and available discounts to choose the company that suits your needs.
What do I need to get car insurance in Illinois?
To sign up for a car insurance policy, you will need your personal information — like your date of birth, address and driver’s license number — and the information of any other drivers you need to list on the policy. You will also need the make, model and vehicle identification number (VIN) of the vehicles you want to insure. Finally, make sure you have access to your finances and bank account information.
What is the penalty for not having auto insurance in Illinois?
Driving without car insurance in Illinois is a serious offense. You could face a fine of up to $1000, a suspended registration or license, an impounded vehicle and higher insurance premiums. You may also have to pay additional fees to reinstate your registration or license and could even face a waiting period of several months if you are a repeat offender. If you cause an accident without insurance coverage, you will be responsible for the damages out of pocket.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Bankrate scores primarily reflect a weighted rank of industry-standard ratings for financial strength (AM Best, S&P, Moody’s) and customer experience (J.D. Power, NAIC), in addition to average quoted rates from Quadrant Information Services. The J.D. Power studies utilized include the 2020 Auto Insurance Study and the 2020 Auto Claims Study. Our Bankrate editorial team’s extensive research and analysis provided a secondary assessment of each insurer’s online and mobile resources and policy management options, which also contributed to overall ratings.