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Best car insurance in Illinois for 2023

Updated Mar 28, 2023
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Best car insurance companies in Illinois

Based on proprietary data provided by Quadrant Information Services, Bankrate's choices for the best car insurance in Illinois are Geico, Auto-Owners, Travelers, Erie and Mercury. Almost all the average rates from these companies are below the annual Illinois averages of $1,806 for full coverage and $552 for the state's minimum coverage. 

In addition to evaluating average rates, Bankrate looked at other indicators of quality, including the J.D. Power 2022 U.S. Auto Insurance Study for customer satisfaction, AM Best financial strength ratings and the National Association of Insurance Commissioners (NAIC) Complaint Index. We assessed coverage options and potential discounts, and analyzed how easy it is to do business on each company's website and through its app.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (North Central region)
847
/1,000
Average monthly full coverage premium
$89
Average annual full coverage premium
$1,068
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (North Central region)
834
/1,000
Average monthly full coverage premium
$115
Average annual full coverage premium
$1,380
Travelers
Rating: 4 stars out of 5
4.0
Bankrate Score
Info
J.D. Power score (North Central region)
818
/1,000
Average monthly full coverage premium
$130
Average annual full coverage premium
$1,557
Erie
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (North Central region)
876
/1,000
Average monthly full coverage premium
$103
Average annual full coverage premium
$1,232
Mercury
Rating: 3.2 stars out of 5
3.2
Bankrate Score
Info
J.D. Power score (North Central region)
Not rated
Average monthly full coverage premium
$97
Average annual full coverage premium
$1,168
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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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (North Central region)
847
/1,000
Average monthly minimum coverage premium
$24
Average annual minimum coverage premium
$291
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (North Central region)
834
/1,000
Average monthly minimum coverage premium
$34
Average annual minimum coverage premium
$402
Travelers
Rating: 4 stars out of 5
4.0
Bankrate Score
Info
J.D. Power score (North Central region)
818
/1,000
Average monthly minimum coverage premium
$48
Average annual minimum coverage premium
$573
Erie
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (North Central region)
876
/1,000
Average monthly minimum coverage premium
$53
Average annual minimum coverage premium
$636
Mercury
Rating: 3.2 stars out of 5
3.2
Bankrate Score
Info
J.D. Power score (North Central region)
Not rated
Average monthly minimum coverage premium
$29
Average annual minimum coverage premium
$342
Powered by Coverage.com (NPN: 19966249)
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.

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.

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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.

Best for stacking car insurance discounts

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 847 AM Best: A++

Average annual premium

$ 1,068 for full coverage
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Why Geico made our list: If budget is your primary concern, Geico might be a good choice. The company consistently offers low average premiums and a suite of potential 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, or if you have certain vehicle safety equipment. However, Geico’s policies are relatively basic. If you prioritize policy personalization, you may want to consider other providers.

Who Geico may be good for: Geico's offerings might be well-suited to budget-conscious drivers, since many of the company's extensive discounts are easy to earn. Geico's average rates were also the lowest among any of our chosen companies.

Read full Geico Insurance review

Best for working with a local agent

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 834 AM Best: A++

Average annual premium

$ 1,380 for full coverage
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Why Auto-Owners made our list: Auto-Owners offers reliable auto coverage with a personal touch through a statewide network of local, 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.

Who Auto-Owners may be good for: Illinois drivers looking for a company with agents right in their neighborhood should consider Auto-Owners. In downtown Chicago alone, there are nearly two dozen agencies that can work with you to craft a policy that meets your needs.

Read full Auto-Owners Insurance review

Best for optional car insurance coverage

Rating: 4 stars out of 5
4 Bankrate Score
JD Power: 818 AM Best: A++

Average annual premium

$ 1,557 for full coverage
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Why Travelers made our list: In addition to reasonable average rates, Travelers offers a range of endorsements for policyholders, such as new car replacement and ridesharing coverage. However, Travelers did receive the lowest average J.D. Power score for claims satisfaction among the companies on our list.

Who Travelers may be good for: Illinois drivers who wish to customize their policy to meet their needs may want to take a look at Travelers. The company offers numerous endorsements, or add-ons, that might give added functionality to your policy.

Read full Travelers Insurance review

Best for highly rated customer service

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 876 AM Best: A+

Average annual premium

$ 1,232 for full coverage
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Why Erie made our list: With the highest customer satisfaction rating in the J.D. Power 2022 U.S. Auto Insurance Study, you may want to request a quote from Erie if you’re looking for a car insurance company that provides excellent service. Additionally, AM Best granted Erie an A+ (Superior) rating for financial stability, which indicates strong historical performance in paying out claims. However, compared to other companies, you may find Erie’s technological capabilities lacking, so there might be better options if you need a full-service online portal and mobile app.

Who Erie may be good for: Erie might be a good choice for those who would rather not handle their insurance business online, but who still want a great customer experience. Erie's high marks in the J.D. Power study indicates that it values positive interactions with its customers.

Read full Erie Insurance review

Best for competitive rideshare coverage

Rating: 3.2 stars out of 5
3.2 Bankrate Score
JD Power: Not rated AM Best: A

Average annual premium

$ 1,168 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Mercury made our list: Along with offering affordable premiums, Mercury may also be a good choice for rideshare drivers. Not all Illinois car insurance companies offer rideshare insurance, but Mercury may be able to provide this coverage for less than a dollar a day. However, Mercury has a higher-than-average rate of customer complaints per the NAIC, and they were not rated by J.D. Power in 2022. As such, it may be worth your time to seek out others who are insured with Mercury to ask about their experience.

Who this company may be good for: Reasonably-priced rideshare coverage can be hard to find, especially in urban areas like Chicago. If you drive for Uber or Lyft, you may want to take a look at Mercury.

Read full Mercury Insurance review

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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.

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 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-on options. 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.

How much is car insurance in Illinois?

The national average cost of car insurance in the U.S. is $2,014 annually for a full coverage policy, whereas the average cost for full coverage in Illinois is $1,806 per year, according to 2023 quoted annual premiums from Quadrant Information Services. Rates may vary for each driver by provider.

Although drivers in Chicagoland 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 when compared on a national level. Regionally, Illinois is generally in line with states in the Midwest. Missouri drivers, for instance, pay an average of $1,943 annually for full coverage, slightly above Illinois' rates. But average rates in Indiana are much lower, averaging $1,295 per year. Although lower than the national average, Illinois average 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.

Average annual premium for minimum coverage in Illinois Average annual premium for full coverage in Illinois
$552 $1,806

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 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. 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 or are the victim of a hit-and-run; 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 if it’s totaled in a covered accident or stolen & unrecoverable.

Consider your individual needs

Car insurance is a highly-personalized product, so no one company is best for all drivers. For instance, some drivers may need to carry SR-22 insurance, so they must find a company that can accommodate that. Others could work a non-standard work schedule, so instead of local offices, they may need a company that is open 24/7 via a customer service hotline. While a company's overall rate is essential when shopping for the best car insurance in IL, it’s also vital to prioritize any other individual needs that you may have.

Frequently asked questions

Written by
Mary Van Keuren
Insurance Contributor

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute