| 18-24 | State Farm | $2100 | Most competitive rate among companies with good customer satisfaction | 4.0 |
| 25-34 | GEICO | $600 | Lowest rate and good customer satisfaction | 3.9 |
| 35-44 | State Farm | $1020 | Lowest rate and satisfied customers | 4.0 |
| 45-54 | State Farm | $1200 | Lowest rate and satisfied customers | 4.0 |
| 55-64 | State Farm | $1800 | Most competitive rate among companies with high customer satisfaction | 4.0 |
| 65 or older | Farmers Insurance | $800 | Lowest rate and happy customers | 3.8 |
Are you tired of auto insurance rate hikes or decreasing customer service standards? Perhaps you need to add new drivers, or you just moved to Illinois.
We asked FIXD users about their car insurance rates and satisfaction with their insurance carriers, so you can find answers at your fingertips.
Keep reading to see our top picks for auto insurance for Illinois residents of every age. We’ll give you the scoop based on what FIXD users had to say about discounts, rates, claims resolutions, and more. We’ll also offer convenient contact information.
Throughout the article, we’ll offer you insider tips from an independent licensed insurance agent on securing the best insurance for your situation.
Illinois’ Best Car Insurance Companies
Illinois’ best car insurance companies are State Farm, Farmers Insurance, GEICO, USAA, and West Bend. These are the best based on rates for comprehensive auto insurance and how FIXD users rate their satisfaction with claims resolution and customer service.
The easiest and most convenient way to find solutions for your household and insurance needs is to work with an independent agent. An Independent agent works with multiple insurance companies and can offer you multiple quotes, but you only have to provide your information once!
Since we recommend having full auto insurance coverage for the greatest financial protection, we used results based on comprehensive premiums. You can read more about our methodology later.
| Best Car Insurance Companies | Why? | FIXD User Average Rating (Out of 5) |
| State Farm | Offers fairly competitive rates and adequately satisfies customers | 4.0 |
| Farmers Insurance | Lowest rates available for an age group and satisfies customers | 3.8 |
| GEICO | Has competitive rates for some age groups and happy customers | 3.9 |
| USAA | Offers competitive insurance rates and satisfies customers | 3.9 |
| West Bend | Had the highest customer satisfaction scores in the survey. | 4.8 |
Illinois’ Best Overall Insurance Company: State Farm
State Farm is the best overall insurance provider for residents of Illinois because it offers the lowest or one of the most competitive rates for multiple age groups. The company also maintains high customer satisfaction scores and resolves the majority of claims fairly according to FIXD users.
| Company Info | State Farm |
| Founded | 1922 |
| Headquarters | Bloomington, IL |
| Phone Number | (800)-782-8332 |
| Website | https://www.statefarm.com/ |
| Products | Auto Insurance, Home Insurance, Liability, Life Insurance, and Small Business Insurance |
| Population Served | All 50 states within the United States and the District of Columbia |
Average Years as a Customer at State Farm: 10.2 years is the average length of time that State Farm’s FIXD survey respondents have been customers.
How many customers hear back within 10 minutes? 79% of customers hear back within ten minutes of contacting State Farm according to the Illinois FIXD survey.
How quickly are Claims Resolved? 83% of claims filed with State Farm are resolved within two weeks according to the FIXD survey.
Customer Satisfaction with Claims: 87% of claims filed with State Farm were resolved fairly according to FIXD users who had filed a claim with State Farm in the Illinois survey.
How to sign up with State Farm: The best way to sign up with State Farm is to work with an agent. You can find one near you using State Farm’s agent lookup tool.
Popular State Farm Discounts according to FIXD Survey: Illinois FIXD survey participants with State Farm auto insurance reported using the following discounts:
- 67% qualify for a safe driver discount
- 58% bundled their home and auto insurance
- 53% have a discount for multiple cars on the policy
- 41% utilize an anti-theft device discount
- 8% bundle renters and auto insurance
- 5% have a good student discount
- 2% qualify for a military discount
State Farm Average Annual Rates
| *State Farm Average Annual Rates for Comprehensive Coverage | ||
| Average Overall | Male | Female |
| $1655 | $1711 | $1275 |
*Results here are an average of results and not intended to serve as a quote.
Pro-tip
Do a little research into customer satisfaction before signing on a car insurance policy. One company may have the lowest premiums, but if a significant portion of its claims resolutions feel unfair, the policy decision could end up costing you thousands if you file a claim.
Illinois’ Best Car Insurance Companies by Age Groups
A popular strategy for car insurance companies is to target a certain demographic by offering discounts and promotions that appeal to that group. One of the common ways insurance companies do this is by age.
Because of this, car insurance premiums and preferences can vary widely by age group. To account for this, we looked at the results for the best premiums for each age group and then used data about customer satisfaction and claims resolution to verify the deal was as good as it sounds.
Here is a list of the best insurance companies in Illinois based on different ages:
The Best Car Insurance Company for 18 to 24-Year-Olds in Illinois: State Farm
State Farm is the best car insurance provider for 18 to 24-year-olds in Illinois because the company offers the best rates for this age group among insurance companies with the fairest claims resolution processes according to FIXD survey participants.
|
Company Info |
State Farm |
|
Founded |
1922 |
|
Headquarters |
Bloomington, IL |
|
Phone Number |
(800)-782-8332 |
|
Website |
|
|
Products |
Auto Insurance, Home Insurance, Liability, Life Insurance, and Small Business Insurance |
|
Population Served |
All 50 states within the United States and the District of Columbia |
How many customers hear back within 10 minutes? 79% of State Farm’s customers in the FIXD survey in Illinois hear back within ten minutes of contacting the company.
How quickly are Claims Resolved? Within two weeks, 83% of claims filed with State Farm in Illinois are resolved according to FIXD survey respondents.
Customer Satisfaction with Claims: Customers say 87% of claims resolutions with State Farm felt fair according to the Illinois FIXD user survey.
How to sign up with State Farm: The best way to sign up with State Farm is to work with an agent. You can find one near you using State Farm’s agent lookup tool.
Popular State Farm Discounts according to FIXD Survey: Illinois FIXD survey participants with State Farm auto insurance reported using the following discounts:
- 67% qualify for a safe driver discount
- 58% bundled their home and auto insurance
- 53% have a discount for multiple cars on the policy
- 41% utilize an anti-theft device discount
- 8% bundle renters and auto insurance
- 5% have a good student discount
- 2% qualify for a military discount
Here is a list of the cheapest car insurance companies in Illinois for 18 to 24-year-olds:
|
Car Insurance Company |
Average Annual Premium for Comprehensive |
|
Progressive |
$1500 |
|
State Farm |
$2100 |
|
Allstate |
$5400 |
Pro Tip: When you’re ready for your first auto insurance policy on your own, don’t forget renters insurance. You can often bundle this product with car insurance, and it will provide additional financial protection for a low cost.
The Best Car Insurance Company for 25 to 34-Year-Olds in Illinois: GEICO
GEICO is the best insurance provider for 25 to 34-year olds in Illinois. Not only does GEICO offer the lowest average premiums for this age group, but it also has the highest customer satisfaction and most fair claims resolutions according to FIXD survey participants.
|
Company Info |
GEICO (Government Employees Insurance Company) |
|
Founded |
1936 |
|
Headquarters |
Chevy Chase, MD |
|
Phone Number |
1-800-207-7847 |
|
Website |
|
|
Products |
Home, renters, auto, business, boat & recreational vehicles |
|
Population Served |
All 50 states and the District of Columbia |
How many customers hear back within 10 minutes? 86% of GEICO customers heard back within ten minutes of contacting the company according to FIXD survey participants.
How quickly are Claims Resolved? 83% of claims filed with GEICO were resolved within two weeks of filing according to Illinois FIXD survey participants who had filed a claim with the company.
Customer Satisfaction with Claims: 100% of claims resolutions with GEICO felt fair according to FIXD survey participants who had filed a claim.
How to sign up with GEICO: You can sign up with GEICO by getting a quote on their website, finding an agent, or calling customer service for assistance at 1-800-207-7847.
Popular Discounts with GEICO: In Illinois, the most popular discounts claimed by FIXD users included these perks offered through GEICO:
- 67% qualify for a safe driver discount
- 56% have a discount for using an anti-theft device
- 33% bundle with homeowners insurance
- 33% bundle with renters insurance
- 33% have a discount for multiple cars on the policy
- 22% qualify for a military discount
Pro Tip: When you’re selecting places to live, your zip code can make a big difference in your insurance rates due to crime rates and accident statistics. It’s worth considering when you look at rentals or purchasing.
Here is a list of the cheapest car insurance companies in Illinois for 25 to 34-year-olds according to the FIXD Survey:
|
Car Insurance Company |
Average Annual Premium |
|
GEICO |
$600 |
|
Progressive |
$1200 |
|
Allstate |
$2100 |
The Best Car Insurance Company for 35 to 44 -Year-Olds in Illinois: State Farm
The best car insurance provider for most 35 to 44-year-olds in Illinois is State Farm. State Farm offers the lowest premiums for this age group and high customer satisfaction. As you compare quotes, don’t hesitate to get one from State Farm.
If you’re currently with State Farm and would like a better customer service experience, don’t hesitate to ask your agent or compare rates with West Bend. According to FIXD survey participants, West Bend offered the best customer service and resolved all claims fairly.
|
Company Info |
State Farm |
|
Founded |
1922 |
|
Headquarters |
Bloomington, IL |
|
Phone Number |
(800)-782-8332 |
|
Website |
|
|
Products |
Auto Insurance, Home Insurance, Liability, Life Insurance, and Small Business Insurance |
|
Population Served |
All 50 states within the United States and the District of Columbia |
How many customers hear back within 10 minutes? 79% of respondents in the Illinois FIXD survey with State Farm Insurance heard back within ten minutes of contacting State Farm.
How quickly are Claims Resolved? Within two weeks, 83% of claims filed in Illinois with State Farm are resolved according to FIXD survey respondents.
Customer Satisfaction with Claims: 87% of claims resolutions felt fair according to Illinois FIXD survey participants who had filed a claim with the insurance company.
How to sign up with State Farm: The best way to sign up with State Farm is to work with an agent. You can find one near you using State Farm’s agent lookup tool.
Popular State Farm Discounts according to FIXD Survey: Illinois FIXD survey participants with State Farm auto insurance reported using the following discounts:
- 67% qualify for a safe driver discount
- 58% bundled their home and auto insurance
- 53% have a discount for multiple cars on the policy
- 41% utilize an anti-theft device discount
- 8% bundle renters and auto insurance
- 5% have a good student discount
- 2% qualify for a military discount
Here is a list of the cheapest car insurance companies in Illinois for 35 to 44-year-olds:
|
Car Insurance Company |
Average Annual Premium |
|
State Farm |
$1020 |
|
Allstate |
$2100 |
|
GEICO |
$2200 |
|
Progressive |
$4050 |
The Best Car Insurance Company for 45 to 54 -Year-Olds in Illinois: State Farm
The best auto insurance company for adults aged 45 to 54 in Illinois is State Farm. Based on FIXD survey respondents in Illinois, State Farm has the best rates and highest customer satisfaction for adults aged 45 to 54-year-olds.
|
Company Info |
State Farm |
|
Founded |
1922 |
|
Headquarters |
Bloomington, IL |
|
Phone Number |
(800)-782-8332 |
|
Website |
|
|
Products |
Auto Insurance, Home Insurance, Liability, Life Insurance, and Small Business Insurance |
|
Population Served |
All 50 states within the United States and the District of Columbia |
How many customers hear back within 10 minutes? 79% of Illinois State Farm customers who took the FIXD survey heard back from State Farm within ten minutes of contacting the insurance company.
How quickly are Claims Resolved? 83% of claims are resolved within two weeks of filing with State Farm in Illinois according to FIXD survey participants.
Customer Satisfaction with Claims: 87% of claims resolutions filed with State Farm felt fair according to FIXD users who had filed a claim with State Farm and participated in the Illinois FIXD survey.
How to sign up with State Farm: The best way to sign up with State Farm is to work with an agent. You can find one near you using State Farm’s agent lookup tool.
Popular State Farm Discounts according to FIXD Survey: Illinois FIXD survey participants with State Farm auto insurance reported using the following discounts:
-
- 67% qualify for a safe driver discount
- 58% bundled their home and auto insurance
- 53% have a discount for multiple cars on the policy
- 41% utilize an anti-theft device discount
- 8% bundle renters and auto insurance
- 5% have a good student discount
- 2% qualify for a military discount
Here is a list of the cheapest car insurance companies in Illinois for 45 to 54-year-olds:
|
Car Insurance Company |
Average Annual Premium |
|
State Farm |
$1200 |
|
USAA |
$1500 |
|
Progressive |
$2000 |
|
American Family |
$3900 |
Pro Tip: If you have teens to add to your policy, don’t forget to get multiple quotes from other insurance companies before adding them to your existing policy. This can help ensure you’re getting the best rates for the entire household.
The Best Car Insurance Company for 55 to 64 -Year-Olds in Illinois: State Farm
The best auto insurance company for adults aged 55 to 64 in Illinois is State Farm. Based on FIXD survey participants, State Farm resolved the majority of claims fairly and maintains good customer satisfaction. Among companies with happy customers, State Farm has the best rate.
|
Company Info |
State Farm |
|
Founded |
1922 |
|
Headquarters |
Bloomington, IL |
|
Phone Number |
(800)-782-8332 |
|
Website |
|
|
Products |
Auto Insurance, Home Insurance, Liability, Life Insurance, and Small Business Insurance |
|
Population Served |
All 50 states within the United States and the District of Columbia |
How many customers hear back within 10 minutes? 79% of customers in Illinois heard back within ten minutes of contacting State Farm according to the FIXD survey.
How quickly are Claims Resolved? 83% of claims are resolved with State Farm in Illinois within two weeks of being filed according to the FIXD survey.
Customer Satisfaction with Claims: 87% of Illinois FIXD survey participants reported that their claim with State Farm had been resolved fairly.
How to sign up with State Farm: The best way to sign up with State Farm is to work with an agent. You can find one near you using State Farm’s agent lookup tool.
Popular State Farm Discounts according to FIXD Survey: Illinois FIXD survey participants with State Farm auto insurance reported using the following discounts:
- 67% qualify for a safe driver discount
- 58% bundled their home and auto insurance
- 53% have a discount for multiple cars on the policy
- 41% utilize an anti-theft device discount
- 8% bundle renters and auto insurance
- 5% have a good student discount
- 2% qualify for a military discount
|
Car Insurance Company |
Average Annual Comprehensive Premium |
|
Allstate |
$900 |
|
Progressive |
$1500 |
|
State Farm |
$1800 |
|
GEICO |
$1950 |
|
West Bend |
$3300 |
Pro Tip: Speak with an independent insurance agent about small companies near you with outstanding customer satisfaction. It never hurts to get quotes from those companies, even if you decide not to purchase a policy. Your specific situation could land you a great deal with a more regional insurance company.
The Best Car Insurance Company for 65+-Year-Olds in Illinois: Farmers Insurance
The best auto insurance company for seniors in Illinois is Farmers Insurance because the company offers the lowest rate for 65+-year-olds in Illinois and maintains good customer satisfaction according to FIXD survey participants.
|
Company Info |
Farmers Insurance |
|
Founded |
1928 |
|
Headquarters |
Woodland Hills, CA |
|
Phone Number |
1-888-327-6335 |
|
Website |
|
|
Products |
Insurance for vehicles, homes, life, and businesses |
|
Population Served |
The United States of America |
How many customers hear back within 10 minutes? 75% of Farmers Insurance customers heard back within ten minutes according to FIXD survey participants.
How quickly are Claims Resolved? Half of all claims are resolved within two weeks of filing with Farmers Insurance according to the Illinois FIXD survey.
Customer Satisfaction with Claims: 100% of claims resolutions felt fair according to Illinois FIXD survey participants who had filed a claim with Farmers Insurance.
How to sign up with Farmers: You can sign up with Farmers Insurance online, through an agent, or by calling customer service for assistance at 1-888-327-6335.
Popular Discounts with Farmers Insurance: The most popular discounts with Illinois’ Farmers Insurance customers (according to FIXD survey):
- 40% qualify for a safe driver discount
- 40% bundle with home insurance
- 40% have a discount for multiple cars on the policy
- 20% claim an anti-theft device discount
Here is a list of the cheapest car insurance companies in Illinois for residents aged 65 and above:
|
Car Insurance Company |
Average Annual Premium |
|
Farmers Insurance |
$800 |
|
Liberty Mutual |
$1500 |
|
Allstate |
$1650 |
|
Country Financial |
$1800 |
|
State Farm |
$1823 |
Research Methodology
To help our Illinois readers find not only affordable but quality insurance customer service, we asked about multiple factors related to customer service and claims resolutions. We also collected data on prices since finding competitive rates cannot be undervalued.
Our survey of FIXD users collected the average miles driven, discounts, and multiple factors of customer satisfaction for us to analyze.
We only included insurance companies with enough respondents to reflect customer satisfaction and a variety of premiums to average. Some insurance companies were not represented for every age band.
Independent Customer Satisfaction Surveys
FIXD used the following information provided by the survey to assess customer satisfaction:
- Preferred method of contacting insurance company and whether or not they heard back within ten minutes or less
- How long respondent had been an auto insurance policyholder with current insurance company
- Insurance provider customer support rating, company rating, policy rating, and then averaged these for an overall rating. Each rating was out of 5 possible points.
- A variety of options for respondents to indicate what they liked and didn’t like about their auto insurance provider.
- Survey questions to collect information about claims data including how long until claim resolution and whether or not the customer felt the claim was resolved fairly.
Finding the Average Car Insurance Rates
In the survey, respondents indicated their gender, age range, average annual miles driven, and discounts in addition to their annual premiums. From there, we were able to find averages and indicate said averages in the article. We focused on comprehensive insurance coverage since that’s what we recommend.
Conclusion
Based on the average premium prices for full coverage, fair claims resolution, and customer satisfaction scores, Illinois’ best insurance companies include State Farm, Farmers Insurance, GEICO, USAA, and West Bend.
Finding the lowest insurance rates is only the beginning of savings for drivers. Find affordable ways to maintain your vehicles by trying out FIXD.
With the FIXD app and sensor, you can interpret error codes for your vehicle, discover their severity, and get maintenance reminders.
Frequently Asked Questions
Why is a credit score used to determine auto insurance rates in Illinois?
Car insurance underwriters in Illinois know that drivers with poor credit scores are more likely to file auto insurance claims. To offset this risk, the car insurance company will charge a higher rate to customers with poor credit.
What Illinois insurance company provides the best service?
West Bend insurance company, which offers car insurance to Illinois residents, has the best customer satisfaction according to FIXD user survey participants in Illinois. West Bend also resolved claims fairly, according to the same survey.
What is the cheapest car insurance in Illinois?
On average, the three cheapest car insurance companies in Illinois include Farmers Insurance, USAA, and Liberty Mutual according to FIXD survey participants in Illinois. The lowest rates for you depend on your age, gender, and risk factors.
Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.
