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Best Car Insurance in Illinois

best car insurance in illinois
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Not only does auto insurance enable you to fulfill legal requirements, it also allows you to protect yourself from financial loss if you experience an unexpected event like an accident or theft. If you live in Illinois, you can choose from a variety of providers that offer cheap insurance options for drivers. The price of your insurance can vary based on factors like age, driving history, and marital status. Read on to explore the best car insurance in Illinois so you can decide which plan fits your needs and situation.

Best Car Insurance in Illinois for Minimum Coverage

The following providers offer the best car insurance in Illinois based on price. The data is sourced from ValuePenguin’s analysis of Quadrant Information Services data. Note that USAA insurance is only for members of the military, veterans, and their families. If you’re eligible for this type of insurance, you may be eligible for cheap auto insurance rates. Here are how the top options in Illinois stack up:

  • State Farm: $377 per year
  • Country Financial: $460 per year
  • American Family: $600 per year
  • Travelers: $689 per year
  • Geico: $834 per year
  • Allstate: $893 per year
  • Progressive: $926 per year
  • Farmers: $1,047 per year
  • USAA: $623 per year

Minimum liability coverage can be a good choice for drivers looking for cheap insurance. This protects your finances if you damage another car. However, keep in mind that minimum coverage policies don’t include collision and comprehensive insurance. This means that your finances aren’t covered if damage occurs to your car or if your car is stolen. If you invest in liability only, you may have to pay hefty out-of-pocket fees to fix damage to your car or replace it.

Best Car Insurance in Illinois for Full Coverage

If you have a new or valuable vehicle, it’s a good idea to invest in full-coverage insurance. This means you’ll get reimbursements or funds for repair if you’re in an accident or your car gets stolen. You’ll also get assistance if your car sustains damage from a natural disaster. Consider the following providers that provide the cheapest full-coverage car insurance plans in Illinois:

  • State Farm: $959 per year
  • Country Financial: $1,306 per year
  • Travelers: $1,482 per year
  • American Family: $1,656 per year
  • Progressive: $1,876 per year
  • Geico: $1,994 per year
  • Farmers: $2,334 per year
  • Allstate: $2,672 per year
  • USAA: $1,484 per year

Cheapest Car Insurance in Illinois for Drivers With a Speeding Ticket

If there are any red flags on your driving history, your insurance rates can increase. Insurance providers may view drivers who have a speeding ticket as more likely to engage in dangerous driving behavior and get into an accident. If you have a speeding ticket, here are the cheapest car insurance options for you in Illinois:

  • State Farm: $1,045 per year
  • Travelers: $1,733 per year
  • Country Financial: $1,740 per year
  • American Family: $1,972 per year
  • Geico: $2,308 per year
  • Progressive: $2,451 per year
  • Farmers: $3,420 per year
  • Allstate: $3,537 per year
  • USAA: $1,872 per year

Cheapest Car Insurance in Illinois for Drivers After an Accident

If you’ve been involved in an accident, here are the most affordable annual auto insurance rates for you:

  • State Farm: $1,131 per year
  • Travelers: $1,911 per year
  • Country Financial: $1,949 per year
  • American Family: $2,568 per year
  • Progressive: $2,689 per year
  • Geico: $3,162 per year
  • Farmers: $3,461 per year
  • Allstate: $4,928 per year
  • USAA: $2,117 per year

Cheapest Car Insurance in Illinois for Drivers With a DUI

As DUIs are serious infractions, drivers with a DUI have higher insurance expenses than those with a clean record. These are the cheapest average rates for drivers with a DUI in Illinois:

  • State Farm: $1,561 per year
  • Travelers: $2,017 per year
  • Country Financial: $2,048 per year
  • Progressive: $2,066 per year
  • American Family: $2,998 per year
  • Farmers: $3,294 per year
  • Geico: $3,377 per year
  • Allstate: $4,257 per year
  • USAA: $3,098 per year

Cheapest Car Insurance in Illinois for Drivers With Poor Credit

Your credit score can affect your insurance rates. However, drivers with poor credit can still find a variety of affordable car insurance options:

  • Country Financial: $1,825 per year
  • State Farm: $1,831 per year
  • Travelers: $2,085 per year
  • American Family: $2,637 per year
  • Progressive: $3,110 per year
  • Allstate: $3,478 per year
  • Farmers: $3,542 per year
  • Geico: $3,566 per year
  • USAA: $2,204 per year

Cheapest Car Insurance in Illinois for Married Drivers

Insurance providers may see married drivers as more financially stable. Here are the average car insurance rates for married drivers in Illinois:

  • State Farm: $959 per year
  • Country Financial: $1,133 per year
  • Travelers: $1,492 per year
  • Progressive: $1,581 per year
  • American Family: $1,656 per year
  • Geico: $1,890 per year
  • Farmers: $2,064 per year
  • Allstate: $2,335 per year
  • USAA: $1,299 per year

Cheapest Car Insurance in Illinois for Young Drivers

Young drivers are less experienced and may be more at risk for car accidents. The below numbers are for basic protection or liability-only insurance. Full coverage can be more expensive:

  • Country Financial: $1,222 per year
  • State Farm: $1,267 per year
  • Geico: $1,757 per year
  • Travelers: $1,970 per year
  • Allstate: $2,080 per year
  • American Family: $2,398 per year
  • Progressive: $2,854 per year
  • Farmers: $5,095 per year
  • USAA: $1,477 per year

Cheapest Car Insurance in Illinois for Young Drivers With a Speeding Ticket

These are the best car insurance rates in Illinois for young drivers with a speeding ticket:

  • State Farm: $1,406 per year
  • Country Financial: $1,669 per year
  • Geico: $2,055 per year
  • Travelers: $2,323 per year
  • American Family: $2,593 per year
  • Allstate: $2,900 per year
  • Progressive: $2,952 per year
  • Farmers: $6,216 per year
  • USAA: $2,029 per year

Cheapest Car Insurance in Illinois for Young Drivers After an Accident

Here are the cheapest car insurance rates for young drivers in Illinois after an accident:

  • State Farm: $1,545 per year
  • Country Financial: $1,958 per year
  • Travelers: $2,645 per year
  • Geico: $2,653 per year
  • Progressive: $3,140 per year
  • American Family: $3,457 per year
  • Allstate: $4,343 per year
  • Farmers: $6,210 per year
  • USAA: $2,534 per year

As you can see, there are plenty of insurance options in the state of Illinois no matter your situation. Talk to an insurance agent to figure out what plans are available to you and choose the best one for your circumstances.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.

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About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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