Cheap Car Insurance in Illinois for 2024 (Secure Low Rates With These 10 Companies)
Geico, State Farm, and Liberty Mutual are the top providers for cheap car insurance in Illinois, with affordable rates as low as $18 per month. Geico is affordable, State Farm is great for bundles, and Liberty Mutual has flexible discounts perfect for Illinois drivers.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Nov 12, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 12, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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17,759 reviewsCompany Facts
Min Coverage in Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
3,607 reviewsCompany Facts
Min Coverage in Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
3,607 reviewsGeico, State Farm, and Liberty Mutual are top providers of cheap car insurance in Illinois, offering rates as low as $18 per month.
In Illinois, car insurance is legally required but can be affordable. This article helps you find budget-friendly coverage and navigate your options for the best value.
Our Top 10 Company Picks: Cheap Car Insurance in Illinois| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $18 | A++ | Competitive Rates | Geico |
 | #2 | $25 | B | Policy Bundles | State Farm |
 | #3 | $29 | A | Flexible Discounts | Liberty Mutual |
 | #4 | $30 | A++ | Member Benefits | USAA |
 | #5 | $33 | A++ | Usage-Based Savings | Travelers |
 | #6 | $34 | A+ | Snapshot Program | Progressive |
 | #7 | $35 | A+ | Personalized Coverage | Nationwide |
 | #8 | $43 | A | Loyalty Rewards | American Family |
 | #9 | $45 | A | Affordable Bundles | Farmers |
 | #10 | $67 | A+ | Early Signing | Allstate |
With a solid understanding of auto insurance fundamentals, the factors that impact rates, and some practical strategies, you can find a fitting policy without overspending. Ready to find cheaper car insurance coverage? Enter your ZIP code above to begin.
- Get cheap car insurance in Illinois with rates at $18/month
- Compare top Illinois providers to find budget-friendly coverage
- Geico is a standout choice for affordable and reliable options
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#1 – Geico: Top Overall Pick
Pros
- Affordable Premiums: Geico offers some of the lowest car insurance rates in Illinois, starting as low as $18 per month. Read more in our Geico insurance review and ratings.
- User-Friendly Digital Tools: The Geico mobile app and website provide a seamless experience for policy management, claims filing, and accessing roadside assistance.
- High Customer Satisfaction: Geico is known for its reliable customer service and consistently receives high ratings in customer satisfaction surveys.
Cons
- Limited Local Agents: Geico relies heavily on online and phone services, which may be a downside for those who prefer in-person interactions.
- No Specialized Discounts: While Geico offers a variety of discounts, it may not provide unique discounts for certain professions or affiliations compared to competitors.
#2 – State Farm: Best for Policy Bundles
Pros
- Comprehensive Policy Options: State Farm offers a wide range of customizable policies, including bundling options for auto, home, and life insurance, which can result in significant savings.
- Extensive Agent Network: With numerous local agents in Illinois, State Farm provides personalized service and local expertise. Learn more through State Farm insurance reviews and ratings.
- Strong Financial Stability: State Farm’s financial security, backed by a strong A.M. Best rating, provides peace of mind to its policyholders.
Cons
- Higher Premiums for Young Drivers: State Farm tends to have higher premiums for younger drivers or those with limited driving experience.
- Limited Online Discount Information: Discounts are not always clearly outlined online, making it necessary to speak with an agent to determine eligibility.
#3 – Liberty Mutual: Best for Flexible Discounts
Pros
- Flexible Discount Options: Liberty Mutual offers a variety of discounts, including those for safe driving, paperless billing, and new car owners, helping to lower premiums.
- 24/7 Claims Service: Liberty Mutual provides round-the-clock claims service, ensuring prompt assistance in the event of an accident.
- Accident Forgiveness Program: Drivers may qualify for accident forgiveness, which prevents rate increases after their first accident. Read more on Liberty Mutual insurance review & ratings.
Cons
- Higher Rates for Certain Drivers: Liberty Mutual’s premiums may be higher for some demographics, particularly those with a less favorable driving history.
- Customer Service Variability: Some customers report inconsistent experiences with Liberty Mutual’s customer service, depending on the agent or office.
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#4 – USAA: Best for Member Benefits
Pros
- Exclusive Member Benefits: USAA offers unique benefits for military members and their families, including discounts on vehicle storage and safe driving.
- Excellent Claims Satisfaction: USAA consistently receives high marks for its claims handling and customer service. You may ask for free advice to more information and deeper understanding.
- Low Rates for Eligible Drivers: USAA provides competitive rates, particularly for active or former military personnel and their families.
Cons
- Limited Eligibility: USAA is only available to military members, veterans, and their families, limiting access for the general public. This restricts cheap car insurance in Illinois to a specific group.
- Fewer Local Agents: USAA primarily operates online or over the phone, which might not be ideal for those seeking face-to-face service. This may deter those seeking personalized, cheap car insurance in Illinois.
#5 – Travelers: Best for Usage-Based Savings
Pros
- Usage-Based Discounts: Travelers offers the IntelliDrive program, which can help safe drivers save up to 30% based on their driving habits.
- Flexible Payment Plans: Offers multiple payment options, including the ability to pay monthly or in full, making it easier to manage your budget.
- Customizable Coverage: Travelers provides a variety of coverage options and add-ons, allowing drivers to tailor their policy to their specific needs.
Cons
- Mixed Customer Satisfaction Ratings: Some customers have reported dissatisfaction with claims handling and customer service. Read more about free car insurance information, advice & online quotes.
- Limited Local Presence: Travelers has fewer local agents in Illinois, which could be a disadvantage for those who prefer in-person interactions.
#6 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program Savings: Progressive’s Snapshot program rewards safe drivers with significant discounts based on driving behavior. Learn more on Progressive insurance review & ratings.
- Wide Range of Coverage Options: Progressive offers extensive coverage choices, including gap insurance and custom parts coverage.
- Strong Online Tools: Progressive’s website and mobile app provide excellent resources for managing policies, tracking claims, and finding discounts.
Cons
- Higher Rates for High-Risk Drivers: Progressive may charge higher premiums for drivers with a history of accidents or violations. This might not suit high-risk drivers.
- Confusing Pricing Structure: Some customers find Progressive’s pricing and discount options challenging to understand due to its complex structure.
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#7 – Nationwide: Best for Personalized Coverage
Pros
- Personalized Coverage Options: Nationwide offers several add-on coverages, like roadside assistance and rental reimbursement, allowing for tailored policies.
- Vanishing Deductible Program: Safe drivers can earn a reduction in their deductible for each year of safe driving, up to a maximum amount.
- Strong Financial Ratings: Nationwide is financially stable with high A.M. Best ratings, ensuring reliability in claims payments. You may ask a lawyer for some advice.
Cons
- Limited Discounts for Young Drivers: Nationwide does not offer as many discounts specifically for younger or student drivers.
- Less Competitive Rates in Certain Areas: In some parts of Illinois, Nationwide’s rates may not be as competitive as other providers.
#8 – American Family: Best for Loyalty Rewards
Pros
- Loyalty and Multi-Policy Discounts: American Family provides several discounts for long-term customers and those who bundle multiple policies.
- Digital Customer Tools: The MyAmFam app and online portal make policy management and claims easy and convenient. You can also search for more insurance company reviews and ratings.
- Local Agents and Personalized Service: American Family has a strong local agent network that offers personalized customer service.
Cons
- Higher Rates in Urban Areas: Some Illinois customers in larger cities may find that American Family’s premiums are higher than average.
- Limited Availability in Certain Regions: American Family does not operate in every area, which could limit options for some drivers.
#9 – Farmers: Best for Affordable Bundles
Pros
- Multiple Bundling Options: Farmers offer substantial discounts for bundling home, auto, and life insurance policies. Read more on Farmers insurance review & ratings.
- Accident Forgiveness: Qualifying customers are eligible for accident forgiveness, which prevents rate increases after the first at-fault accident.
- Great Customer Service Reputation: Farmers is well-regarded for its strong customer service and responsive agents.
Cons
- Premium Increases After Claims: Some customers report significant premium increases after filing claims.
- Higher Rates for New Drivers: Farmers tend to charge higher premiums for younger or inexperienced drivers.
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#10 – Allstate: Best for Early Signing
Pros
- Early Signing Discount: Allstate offers discounts for customers who sign up for a policy at least seven days before their current policy expires.
- Innovative Drivewise Program: The Drivewise app rewards safe driving with cash back and policy discounts. Learn more about Allstate insurance review & ratings.
- Strong Claims Satisfaction: Allstate is known for its efficient claims handling and high customer satisfaction ratings.
Cons
- Higher Base Rates: Allstate’s premiums are generally higher compared to some other competitors. This can make it less attractive for those specifically seeking cheap car insurance in Illinois.
- Limited Discount Flexibility: Some customers feel that Allstate’s discount options are not as flexible or extensive as those offered by other providers.
Understanding Car Insurance in Illinois
Let’s take a moment to understand the basics of car insurance in Illinois. Car insurance is a contract between you and an insurance company that protects you financially in the event of an accident or theft.
It is designed to cover the costs of damages, medical expenses, and other expenses that may arise as a result of an accident.
Illinois Car Insurance Monthly Rates by Coverage Level & Provider| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $67 | $176 |
| $43 | $114 |
| $45 | $117 |
| $18 | $47 |
| $29 | $76 |
| $35 | $93 |
| $34 | $89 |
| $25 | $64 |
| $33 | $87 |
| $30 | $62 |
When it comes to car insurance, it’s important to have a good understanding of the different components that make up a policy. Car insurance policies typically consist of multiple components, including liability coverage, collision coverage, and comprehensive coverage.
Get free car insurance information, advice and online quotes to consider some insurance companies.
The Basics of Car Insurance
Liability coverage is an essential part of any car insurance policy. It helps pay for damages to another person’s vehicle or injuries they sustain in an accident that you are at fault for.
Illinois Report Card: Car Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Discounts Availability | A- | A variety of discounts are available through most providers, especially for safe drivers and multi-policy holders. |
| Liability Coverage Cost | B+ | Liability premiums are affordable, especially in suburban and rural areas. |
| Rate Stability | B+ | Rates are generally stable, with moderate annual adjustments based on claims and costs. |
| Average Premium Cost | B | Illinois' average premiums are close to the national average, though urban areas are slightly higher. |
| Comprehensive & Collision Rates | B | Rates are competitive, but increased traffic and weather risks in some areas raise costs slightly. |
| Affordability | B- | While premiums are reasonable, densely populated areas like Chicago see higher rates. |
This coverage is crucial because it protects you from having to pay out of pocket for the damages or medical expenses of the other party involved in the accident.
Collision coverage, on the other hand, pays for damages to your own vehicle in an accident with another vehicle or object. Whether it’s a fender bender or a more serious collision, this coverage ensures that you won’t have to bear the financial burden of repairing or replacing your car.
Car Insurance Discounts From the Top Providers in Illinois| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Multi-Vehicle, Safe Driver, Good Student, New Car, Anti-Theft Device, Early Signing, FullPay, Paperless Billing |
| Multi-Policy, Multi-Vehicle, Good Student, Loyalty, Early Bird, Safe Driver, Defensive Driving, Auto Safety Equipment |
| Multi-Policy, Multi-Vehicle, Safe Driver, Good Student, Homeowner, Signal (usage-based), Bundling, Pay-in-Full |
| Multi-Policy, Multi-Vehicle, Good Driver, Good Student, Military, Federal Employee, Anti-Theft Device, Defensive Driving |
| Multi-Policy, Multi-Vehicle, Good Student, Homeowner, Safety Features, Military, Early Shopper, Online Purchase, Paperless |
| Multi-Policy, Multi-Vehicle, SmartRide (usage-based), Safe Driver, Good Student, Anti-Theft Device, Defensive Driving |
| Multi-Policy, Multi-Vehicle, Snapshot (usage-based), Good Student, Homeowner, Online Quote, Pay-in-Full, Paperless Billing |
| Multi-Policy, Multi-Vehicle, Safe Driver, Good Student, Steer Clear (for young drivers), Defensive Driving, Vehicle Safety |
| Multi-Policy, Multi-Vehicle, Safe Driver, Homeowner, Hybrid/Electric Vehicle, New Car, Continuous Insurance, Good Payer |
| Multi-Policy, Multi-Vehicle, Safe Driver, Good Student, New Vehicle, Military Installation, Length of Membership, Garage Parking |
Comprehensive coverage is another important component of car insurance. It protects against damages to your vehicle that are not caused by collisions. This can include theft, vandalism, or weather-related incidents.
Illinois Report Card: Car Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Multi-Vehicle | A | 25% | Progressive, USAA, Farmers |
| Low Mileage | A | 20% | State Farm, Nationwide, Liberty Mutual |
| Safe Driver | A | 20% | State Farm, Geico, Progressive, Allstate |
| Military/Veteran | A | 15% | USAA, Geico |
| Pay-in-Full | A | 10% | Geico, Progressive, State Farm |
| Multi-Policy | A- | 15% | Allstate, Farmers, Liberty Mutual |
| Good Student | B+ | 15% | State Farm, Geico, Nationwide |
| Paperless Billing | B+ | 5% | Farmers, USAA, Nationwide |
| Anti-Theft Device | B | 10% | Liberty Mutual, Allstate, Nationwide |
| Defensive Driving Course | B | 10% | Allstate, Geico, Progressive |
With comprehensive coverage, you can have peace of mind knowing that you’re protected from a wide range of potential risks.
Factors Influencing Car Insurance Rates in Illinois
One of the key factors that insurance companies take into account is your age and driving experience. Younger drivers are often viewed as more risky to insure due to their lack of experience behind the wheel. However, as you gain more experience and maintain a clean driving record, your rates may decrease.
Illinois Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Aurora | 7,500 | 6,200 |
| Chicago | 80,000 | 65,000 |
| Cicero | 2,600 | 2,100 |
| Elgin | 3,200 | 2,500 |
| Joliet | 5,500 | 4,400 |
| Naperville | 4,500 | 3,700 |
| Peoria | 3,500 | 2,800 |
| Rockford | 6,000 | 4,800 |
| Springfield | 3,000 | 2,400 |
| Waukegan | 2,800 | 2,300 |
Your driving record and claims history also play a crucial role in determining your car insurance rates. Insurance companies assess your past driving behavior to gauge the level of risk you pose as a driver.
By maintaining a clean driving record and avoiding accidents and claims, you can potentially lower your insurance costs.
Additionally, insurance companies may also consider other factors such as your credit history, where you live, and even your occupation. These factors can provide further insights into your level of risk as a driver and may affect your insurance rates.
Illinois Car Insurance Claims in Illinois| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 40% | $3,500 |
| Property Damage Liability | 25% | $4,200 |
| Comprehensive | 20% | $2,800 |
| Bodily Injury Liability | 10% | $16,000 |
| Uninsured Motorist | 5% | $12,500 |
It’s important to note that each insurance company may weigh these factors differently, so it’s always a good idea to shop around and compare quotes from multiple insurers.
By understanding the factors that influence car insurance rates in Illinois, you can make informed decisions to potentially lower your premiums and find the best full coverage auto insurance for your needs.
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Tips for Finding Cheap Car Insurance in Illinois
Finding cheap car insurance in Illinois requires some effort and research, but it’s not an impossible task. Here are some tips to help you find affordable coverage: Illinois, known as the Land of Lincoln, is home to bustling cities, picturesque small towns, and a diverse population.
With its vibrant culture and rich history, it’s no wonder that many people choose to call this state their home. But whether you’re a lifelong resident or a newcomer, one thing remains constant – the need for car insurance.
Shopping Around for Quotes
Insurance rates can vary significantly from one company to another, which is why it’s essential to compare quotes from multiple insurers. Request quotes from different insurance providers and compare the coverage options and premiums they offer.
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When shopping around for quotes, don’t forget to consider the reputation and financial stability of the insurance company review and ratings. It’s important to choose a reliable insurer that will be there for you when you need them the most.
Taking Advantage of Discounts
Insurance companies often offer a variety of discounts that can help lower your premiums.
Common discounts include safe driver discounts, multi-policy discounts (if you bundle your car insurance with other policies like homeowner’s insurance), and good student discounts. Be sure to inquire about any eligible discounts when requesting quotes.
Maintaining a Clean Driving Record
As mentioned earlier, your driving record plays a significant role in determining your car insurance rates. By practicing safe driving habits and avoiding accidents and traffic violations, you can not only stay safe on the road but also enjoy lower insurance premiums.
In addition to safe driving, consider taking defensive driving courses. These courses can not only enhance your driving skills but also potentially qualify you for additional discounts from your insurance provider.
Schimri Yoyo Licensed Agent & Financial Advisor
Take the time to research and compare different options, and don’t hesitate to ask questions. With a little effort and diligence, you can find the affordable coverage you need to drive with peace of mind in the Land of Lincoln. Take the first step toward cheaper car insurance rates. Enter your ZIP code below.
Frequently Asked Questions
Can I switch car insurance providers in Illinois at any time?
Yes, you can switch car insurance providers in Illinois at any time. Just ensure that you have a new policy in place before canceling your current one to avoid any gap insurance coverage.
Does credit score affect car insurance rates in Illinois?
Yes, a good credit score can lower your rates, as insurers consider it when assessing risk. By entering your ZIP code below, you can get instant car insurance quotes from top providers.
Can I find cheap car insurance in Illinois?
Yes, it is possible to find cheap car insurance in Illinois. You can find affordable options by comparing quotes from different insurance providers, maintaining a clean driving record, and taking advantage of available discounts.
You may visit insurance company reviews and ratings for more information.
What factors affect the cost of car insurance in Illinois?
Several factors can affect the cost of car insurance in Illinois. These include your age, driving history, type of vehicle, coverage limits, deductible amount, and even your credit score. Insurance companies consider these factors when determining your premium.
How can I find cheap car insurance in Illinois?
Compare quotes from multiple providers, choose a higher deductible, bundle policies, and use discounts for safe driving, good grades, or low mileage. Enter your ZIP code to learn more.
Which companies offer the cheapest car insurance in Illinois?
Geico, State Farm, and Progressive often provide the cheapest rates, especially with discounts and usage-based programs.
To learn more, explore our comprehensive resource on “Geico Auto Insurance Review.”
Are there any specific discounts available for car insurance in Illinois?
Yes, various discounts are available for car insurance in Illinois. Typical discounts include safe driver discounts, multi-policy discounts, good student discounts, and discounts for installing safety features in your vehicle.
It’s worth exploring these options to potentially lower your insurance costs.
What is a usage-based insurance program?
It’s a program in which your rate is based on your driving habits, such as mileage and safe driving. It can lower costs for low-mileage drivers.
What should I consider when comparing car insurance quotes in Illinois?
When comparing car insurance quotes in Illinois, it’s essential to consider not only the price but also the coverage limits, deductibles, and any additional benefits or features offered by the insurance companies.
It’s essential to find a policy that provides adequate full coverage auto insurance for your needs.
Can young drivers get cheap car insurance in Illinois?
Yes, but young drivers usually pay more. They can lower costs with good grades, safe driving discounts, or by joining a parent’s policy. Enter your ZIP code to discover budget-friendly auto insurance rates from leading providers.
Enter your ZIP code below to compare cheap insurance rates.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.