Best Car Insurance in Illinois 2020

Fact-checked with HomeInsurance.com

4 min read
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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.

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.

The top auto insurance 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.

Auto-Owners Insurance

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

Country Financial offers auto insurance policies that are well-loved by their customers, as shown in 2019’s J.D. Power claims satisfaction study, which ranks the company with a perfect score. This insurer offers a few unique options like coverage safety glass and trip interruption.

Erie

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

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.

Westfield

Westfield has been serving customers since 1848. The company enjoys a positive reputation and earns a financial strength rating of A from AM Best. Westfield’s WesPak® program makes it easy and affordable for customers to bundle their home and auto insurance.

Average cost of car insurance in Illinois

The average annual cost of auto insurance in Illinois is $897.07, according to the Insurance Information Institute. The average annual cost in the U.S. is $1,211.

Illinois ranks 25th in the nation for most expensive auto insurance on average. That means the Prairie State is smack-dab in the middle of what U.S. citizens can expect to pay for auto insurance.

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.

Finding the right cheap car insurance in Illinois for you

The cost of auto insurance is highly individualized. To price policies, auto insurance providers draw on information such as age, sex, location, car type and driving history. Because premium costs are different for everyone, the cheapest car insurance in Illinois will depend on the individual.

To find a good rate on reliable auto coverage, gather quotes from a few providers. After comparing the quotes in terms of prices and coverage, you should be able to find a cheap policy that provides the coverage you need.

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.

Most of the providers profiled in this article feature these kinds of discounts, but insurance providers commonly offer some unique discounts, as well. Here a few highlights on the unique discounts available from the profiled providers:

  • Geico’s Eagle Discount reduces insurance rates for federal government employees.
  • Erie’s Rate Lock® feature protects policyholders from rising premiums.
  • Auto-Owners’ advance quote discount reduces rates for new applicants who request a premium quote before the policy’s effective date.
  • Country Financial offers an occupation discount to full-time K-12 teachers firefighters, police officers, EMTs and paramedics.

Frequently asked questions

What is the cheapest car insurance in Illinois?

The cheapest 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.