The best car insurance companies in Illinois may be different for every driver, but if you’re looking the best option for your needs, Bankrate’s extensive analysis of the best carriers may provide a place to start your search. According to our research, USAA is one of the top providers in Illinois, followed closely by Geico and Travelers. All three have average rates that are lower than the average cost of car insurance nationwide, which is $1,655 per year for full coverage, according to Bankrate’s review of quoted annual premiums.
But price is only one factor out of many that should be considered when it comes to choosing car insurance. Would you prefer to have local, in-person customer service or handle all of your policy management through an app? Do you want to pick and choose from a unique array of policy add-ons to build a personalized car insurance policy? Whatever your needs might be, Bankrate’s insurance editorial team weighed all of these factors and more to create our shortlist of the best car insurance companies in the Prairie State.
Best car insurance companies in Illinois
Auto-Owners, Country Financial, Geico, Travelers and USAA 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 and an individualized Bankrate Score.
We also assign each company a Bankrate Score based on diverse categories, including financial strength, customer ratings, the most recent premium data from Quadrant Information Services, J.D. Power ratings, mobile app accessibility, customer service and availability in your area. The score ranges from 0.0 to 5.0, with the higher score having better ratings in all categories evaluated. We use a consistent methodology to ensure that we rate each company using the same criteria.
Based on Bankrate’s research, the companies offering the best auto insurance in Illinois are:
|Car insurance company||Bankrate Score||Average annual full coverage premium||J.D. Power customer satisfaction score (North Central region)|
*Not officially ranked with J.D. Power due to eligibility restrictions
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.
Learn more: USAA Insurance review
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. However, Geico’s policies are relatively basic. If you prioritize policy personalization, you may want to consider other providers.
Learn more: Geico Insurance review
Travelers offers the lowest average full coverage premium in Illinois, based on our research. In addition to low rates, the insurer offers a menu of discounts that could help you save even more off your premium. You can also add numerous endorsements to your policy, including new car replacement and ridesharing coverage. However, Travelers did receive the lowest average J.D. Power score for claims satisfaction of the companies on our list.
Learn more: Travelers Insurance review
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 personalize your policy, including diminished value coverage and gap insurance. The company also offers numerous discounts that might help you save on your premium.
Learn more: Auto-Owners Insurance review
Country Financial makes our list in part due to its numerous and customizable coverage options. If you have out-of-the-ordinary insurance needs or enjoy personalization, it may be worth your time to get a quote from Country Financial. For example, if you have a new vehicle, “The Keeper” coverage may be a good option. This coverage is designed to help pay for a brand new car of the same make and model if your vehicle gets totaled and is under four years old. Country Financial fell behind in ratings due to its high average premium, but keep in mind that it offers several competitive discounts that could help you save.
Learn more: Country Financial Insurance review
Average cost of car insurance in Illinois
The national 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. These rates are 2021 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. 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|
How to find the best car insurance in Illinois
The best car insurance company will vary from driver to driver. Some Illinois motorists value 24/7 customer service, paying via a mobile app or diverse coverage options. Some drivers 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.
Consider your individual needs
Certain risks can affect the price of insurance. If you add a teen driver, get a speeding ticket or have a DUI conviction in Illinois, you may see your car insurance premium spike. In these cases, you may want to look into discounts that apply to you. Dozens of providers offer competitive student discounts. Some carriers allow you to enroll in a defensive driving course that can save you money on your premium.
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 a 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: If you live in a city with plentiful public transit, you may want to consider a low-mileage driver discount. Some companies offer this discount to anyone who drives less than the national yearly average of 13,500 miles. Other mileage limits are much lower.
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
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 coverage that meets 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 and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.