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 percent 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. Car insurance helps protect you financially if an accident happens.
There’s much to consider when choosing an Illinois car insurance company. These are our picks for the best car insurance companies in Illinois for 2021.
Best car insurance companies in Illinois
We chose our options for the best auto insurance in Illinois by comparing policy offerings, price and ratings from organizations such as J.D. Power & Associates, which rates Illinois car insurance companies on a series of factors, such as customer service, value and policies. We also looked at coverage options, discounts and unique features.
|Provider||Average annual full coverage premium||J.D. Power customer satisfaction score|
Auto-Owners Insurance offers reliable auto coverage with a personal touch through a network of independent agents. To get an Auto-Owners insurance policy, you’ll work with a local agent, not the company itself. This insurer also features an app-based driver safety program for discounts.
Country Financial offers auto insurance policies that are well-loved by their customers, as shown in 2020’s J.D. Power study, which ranks the company with a perfect score. This insurer offers a few unique options like coverage safety glass and trip interruption.
Erie enjoys a solid reputation in the insurance industry. This provider regularly ranks well in J.D. Power’s auto insurance studies, including high marks in the all-important category of claims satisfaction. Erie offers many discounts like a valuable bundling discount for those who buy more than one kind of Erie insurance.
Geico’s rock-bottom prices on coverage make it an obvious choice for Illinois drivers who want cheap car insurance, and this insurer also ranks on the top of J.D. Power’s 2020 study. Geico offers insurance for almost any vehicle, including ATVs, RVs, boats and even rideshare.
State Farm ranks about average for customer satisfaction in the North Central region, but it’s still a highly coveted car insurance provider for its stellar mobile tools and resources. Local agents can help you with your policy, and there are a ton of discounts available for things like safety, student, and good driver discount programs.
Average cost of car insurance in Illinois
Car insurance in Illinois is much cheaper than the rest of the country. The average cost of car insurance in the U.S. is $1,738 for a full coverage policy, which means that the average Illinois resident is able to save more than $300 on their car insurance policy each year.
|Average annual premium for minimum coverage in Illinois||Average annual premium for full coverage in Illinois|
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, sex, location, car type and driving history.
- Evaluate your needs: Factors like if you have teen drivers or a poor credit score will change your rates. Get quotes from providers with reputations for handling your kinds of needs well.
- Consider state factors: When shopping for car insurance in Illinois, look for a policy that meets the state’s minimum requirements. You will need $25,000 per person and $50,000 total per accident for bodily injury and $20,000 of property damage liability per accident. You’re also required to have coverage for uninsured and/or underinsured motorists, depending on your policy limits.
Car insurance discounts in Illinois
There are many car insurance discounts you can get in Illinois. Depending on which car insurance company you choose, you could save money with savings based on things like student, safety, loyalty, and military discounts.
|Discount||Auto-Owners||Country Financial||Erie||Geico||State Farm|
|Automatic payment/paperless billing|
|Defensive driving course||X||X||X||X|
|Low annual mileage||X||X||X|
|Occupational or organizations||X||X|
|Safe driver/accident free||X||X||X||X||X|
Frequently asked questions
What is the best car insurance in Illinois?
The best cheap car insurance will depend on the individual. 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.
Bankrate utilizes Quadrant Information Services to analyze 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 sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.