Best car insurance in Illinois for 2023

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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.

Insurance company	J.D. Power score (North Central region)	Average monthly minimum coverage premium	Average annual minimum coverage premium
Geico Rating: 4.4 stars out of 5 4.4 Bankrate Score	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	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	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	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	J.D. Power score (North Central region) Not rated	Average monthly minimum coverage premium $29	Average annual minimum coverage premium $342

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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.

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 2021 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.

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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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.

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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.

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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

4.4 Bankrate Score

JD Power: 847/1,000 AM Best: A++

Average annual premium

^$ 1,068 for full coverage

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

Average annual premium

^$ 1,068 for full coverage

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

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

Illinois city	Geico full coverage premium	Geico minimum coverage premium
Chicago	$1,014	$275
Des Plaines	$1,001	$302
Evanston	$917	$276
Oak Lawn	$1,146	$329
Skokie	$988	$300

Best for working with a local agent

4.2 Bankrate Score

JD Power: 834/1,000 AM Best: A++

Average annual premium

^$ 1,380 for full coverage

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

Average annual premium

^$ 1,380 for full coverage

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

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

Illinois city	Auto-Owners full coverage premium	Auto-Owners minimum coverage premium
Chicago	$1,342	$424
Des Plaines	$1,233	$387
Evanston	$1,199	$382
Oak Lawn	$1,226	$395
Skokie	$1,283	$419

Best for optional car insurance coverage

4 Bankrate Score

JD Power: 818/1,000 AM Best: A++

Average annual premium

^$ 1,557 for full coverage

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

Average annual premium

^$ 1,557 for full coverage

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

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

Illinois city	Travelers full coverage premium	Travelers minimum coverage premium
Chicago	$1,803	$654
Des Plaines	$1,326	$520
Evanston	$1,431	$548
Oak Lawn	$1,271	$501
Skokie	$1,610	$609

Best for highly rated customer service

3.8 Bankrate Score

JD Power: 876/1,000 AM Best: A+

Average annual premium

^$ 1,232 for full coverage

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

Average annual premium

^$ 1,232 for full coverage

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

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

Illinois city	Erie full coverage premium	Erie minimum coverage premium
Chicago	$1,337	$695
Des Plaines	$1,194	$649
Evanston	$1,183	$624
Oak Lawn	$1,212	$633
Skokie	$1,610	$877

Best for competitive rideshare coverage

3.2 Bankrate Score

JD Power: Not rated AM Best: A

Average annual premium

^$ 1,168 for full coverage

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

Average annual premium

^$ 1,168 for full coverage

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

Illinois city	Mercury full coverage premium	Mercury minimum coverage premium
Chicago	$1,068	$306
Des Plaines	$1,078	$352
Evanston	$1,418	$408
Oak Lawn	$1,082	$345
Skokie	$1,169	$383

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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.