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Best car insurance in Illinois for 2024

Updated Apr 11, 2024
Geico, Auto-Owners and Travelers are among the best car insurance companies in for Illinois drivers.
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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 companies in Illinois

Based on proprietary data provided by Quadrant Information Services, Bankrate's choices for the best car insurance companies in Illinois are Geico, Auto-Owners, Travelers, Erie and Mercury. Nearly all these companies offer average rates below the annual Illinois averages of $2,083 for full coverage and $575 for minimum coverage.

In addition to evaluating average rates, Bankrate looked at other indicators of quality, including scores from the J.D. Power 2023 U.S. Auto Insurance Study for customer satisfaction, AM Best financial strength ratings and product-specific company complaint indexes from the National Association of Insurance Commissioners (NAIC). We assessed coverage options, potential discounts and digital tools to provide a holistic view of each carrier's strengths and weaknesses. 

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,277
$343
4.3
Rating: 4.3 stars out of 5
$1,729
$454
4.2
Rating: 4.2 stars out of 5
$1,523
$542
4.0
Rating: 4 stars out of 5
$1,362
$667
3.8
Rating: 3.8 stars out of 5
$1,165
$324

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$106/mo

Avg. full coverage premium

$1,277/yr

Customer satisfaction

831/1,000

Auto-Owners

Auto-Owners

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$144/mo

Avg. full coverage premium

$1,729/yr

Customer satisfaction

833/1,000

Travelers

Travelers

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$127/mo

Avg. full coverage premium

$1,523/yr

Customer satisfaction

806/1,000

Erie

Erie

4

Rating: 4 stars out of 5

Avg. full coverage premium

$114/mo

Avg. full coverage premium

$1,362/yr

Customer satisfaction

844/1,000

Mercury

Mercury

3.8

Rating: 3.8 stars out of 5

Avg. full coverage premium

$97/mo

Avg. full coverage premium

$1,165/yr

Customer satisfaction

Not rated

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How Bankrate chose the best car insurance companies in Illinois

Using proprietary rate data provided by Quadrant Information Services, Bankrate determined which companies may offer the cheapest auto insurance in Illinois for both full and minimum coverage policies. In addition to competitive average rates, we reviewed other essential factors such as J.D. Power customer satisfaction scores, AM Best financial strength ratings, mobile accessibility and coverage add-ons. 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

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Why you can trust Bankrate

Read our full methodology

To help Illinois drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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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.

Advertising Disclosure
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.

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 may help you find the best car insurance in Illinois for your lifestyle and coverage needs.

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Advertising Disclosure
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.

How much is car insurance in Illinois?

The national average cost of car insurance in the U.S. is $2,314 annually for a full coverage policy, whereas the average cost for full coverage in Illinois is $2,083 per year. The average minimum coverage policy in Illinois costs $575 per year. However, your rates will vary based on your individual rating factors and chosen company. 

Regionally, average Illinois rates are generally in line with other states in the Midwest. Missouri drivers, for instance, pay an average of $2,517 annually for full coverage, slightly above Illinois' rates. However, average rates in Indiana are much lower, averaging $1,679 per year for a full coverage policy. Although lower than the national average, Illinois rates may be higher than some neighboring states due to the increased risk of driving in the Chicago metropolitan area, a huge population center for the state