How safe are you as an Illinois driver? According to the Illinois Department of Transportation, more than 300,000 vehicle crashes have occurred in the state every year since 2015, 20% of which resulted in injury or death. In a state with 8.5 million licensed drivers, there are plenty of other vehicles to look out for on the road.
Consider the following when choosing an Illinois car insurance policy:
- Check the Illinois Department of Insurance website to make sure the company’s license is in good standing.
- Look at rating agencies such as AM Best for unbiased reviews.
- Work with a trustworthy agent who is helpful without being pushy or using high-pressure sales tactics.
- Get multiple quotes and take time to fully understand the details of each policy.
But there’s much more to choosing an Illinois car insurance company. See our picks below for the best insurance companies based on a wide variety of factors.
Best car insurance companies in Illinois
J.D. Power rates Illinois car insurance companies on a series of factors, such as customer service, value and policies. Their 2019 U.S. Auto Insurance study rates the best auto insurance companies in the Central United States as follows.
|Overall Satisfaction||5 stars||5 stars||5 stars||4 stars||4 stars|
|Policy Offerings||4 stars||5 stars||5 stars||5 stars||4 stars|
|Price||5 stars||5 stars||5 stars||3 stars||5 stars|
|Billing Process and Policy information||4 stars||5 stars||4 stars||5 stars||4 stars|
|Interaction||5 stars||5 stars||4 stars||4 stars||2 stars|
|Claims||5 stars||5 stars||4 stars||3 stars||3 stars|
Finding the right cheap car insurance in Illinois for you
Not every policy is right for every driver. A 2019 U.S. News study rated the best cheap car insurance in Illinois by age, driving record, credit score, and more.
Cheapest auto insurance for good drivers: Geico
At $731, Geico is the cheapest insurance option for drivers with no traffic violations, accidents, or DUIs in their record.
Cheapest auto insurance for students: Geico
Geico offers the lowest price car insurance for students with an average rate of $888. The rate for a 25-year-old male is $847, with the rate for a 25-year-old female slightly higher at $929. This is good news if you’re a young male in Illinois; Geico is the only insurance company that offers a lower-cost policy to young men than to their female peers.
Cheapest auto insurance for people with low credit: Travelers
If you have a poor credit score, Travelers is the cheapest Illinois car insurance option for you. The annual rate is estimated at $1,575.
Cheapest auto insurance for people with accidents: Geico
Geico’s annual rate of $1,061 for a single accident means you can get affordable auto insurance in Illinois, even without a spotless driving record.
Cheapest auto insurance for people with a DUI: State Farm
State Farm offers the best rate for those with a DUI at $1,028.
Average car insurance cost in Illinois
Are you getting a fair rate on your Illinois auto insurance policy? Consult the table below to see what others in your demographic range are paying, according to The Zebra’s car insurance study. If your annual rate seems too high, it might be time to start shopping around.
|Driver||Average Annual Rate|
|25 year old||$1,083–$1,537|
|60 year old||$999|
|Low credit score||$1,804–$2,218|
|Good driving record||$1,120|
Auto insurance discounts in Illinois
There are many car insurance discounts you can get in Illinois. Many insurance companies will offer a discount if you bundle your home, auto, life and other insurance policies. You can also get rewards for good behavior, such as having a clean driving record or a high credit score. If you’re a veteran or active member of the armed forces, don’t forget to ask about military discounts.
State minimum insurance requirements for Illinois
When shopping for car insurance in Illinois, look for a policy that meets the state’s bodily injury minimum requirements of $25,000 per person or $50,000 total per accident and a property damage liability limit of at least $20,000 per accident. You’re also required to have coverage for uninsured and/or underinsured motorists, depending on your policy limits.
Frequently asked questions
What is the cheapest car insurance in Illinois?
Geico offers the cheapest auto insurance policies in Illinois for most drivers according to the U.S. News study, but this won’t be the case for everyone. As a general rule, you should always shop around and get several quotes before settling on an Illinois car insurance provider.
What do I need to get car insurance in Illinois?
To sign up for a car insurance policy, you’ll need access to your personal identifying information and the information of anyone you plan to include on the policy, including birthdates and social security numbers. You’ll also need the make, model and VIN number on 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?
Getting caught without car insurance in Illinois means a fine of at least $500 and a suspended registration. You’ll have to pay additional fees to reinstate your registration and could even face a waiting period of several months if you’re a repeat offender.