Want to know the cheapest used car to insure in Illinois? We put in the effort, so you don’t have to!
In this article, you will find a quick informational guide for car insurance in Illinois. So keep reading to find tips to lower premiums and other frequently asked questions.
Illinois Cheapest Used Cars to Insure
Based on a basic driver profile in Illinois, we discovered which pre-owned vehicles were the cheapest to insure in Illinois. These cars have great features that make them excellent choices for drivers and insurance companies alike.
1. Mazda CX-5
Mazda’s CX-5 is very affordable to insure. In Illinois, a full coverage policy for this compact SUV is $30 per month, and liability-only is only $19 monthly. Its full coverage policy is 69% more affordable than a used car’s average full coverage policy.
You can find the Mazda CX-5 2021 on the IIHS Top Safety Pick+ list due to its outstanding safety features that set it apart from many other cars on the market.
2. Ford Bronco
Ford’s Bronco is the second cheapest used car to insure in Illinois. Full coverage runs $63 monthly, and liability-only costs $20 per month. This SUV’s full coverage insurance is 35% more affordable than Illinois’s average used car policy.
This fantastic pre-owned vehicle is on the IIHS Top Safety Pick+ list for 2021. It’s loaded with safety features!
3. Chrysler Pacifica
The third cheapest vehicle to insure in Illinois is the Chrysler Pacifica. This spacious minivan’s full coverage policy costs $69 monthly, and its liability-only coverage costs $26 monthly.
As another Top Safety Pick+ from the IIHS, Chrysler’s Pacifica is a great car for people who need seats or space. It features Chrysler’s patented Stow ‘n GoⓇ seating, and upgraded models include a hybrid option.
The 45 Cheapest Used Vehicles to Insure in Illinois
We created a basic driver profile and collected policy estimates for the 45 vehicles in the Insurance Institute for Highway Safety’s (IIHS) 2021 Top Safety Pick+ list. In the table below, all 45 are ranked by their total insurance policy costs.
| Year | Make | Model | Full Coverage | Liability Only |
|---|---|---|---|---|
| 2021 | Mazda | CX-5 | $30.00 | $19.00 |
| 2021 | Ford | Bronco | $63.00 | $20.00 |
| 2021 | Chrysler | Pacifica | $69.00 | $26.00 |
| 2021 | Subaru | Outback | $78.00 | $27.00 |
| 2021 | Subaru | Forester | $78.00 | $26.00 |
| 2021 | Subaru | Crosstrek | $78.00 | $27.00 |
| 2021 | Acura | MDX | $79.00 | $29.00 |
| 2021 | Chevrolet | Trailblazer | $80.00 | $34.00 |
| 2021 | Acura | RDX | $80.00 | $30.00 |
| 2021 | Honda | Odyssey | $82.00 | $29.00 |
| 2021 | Nissan | Rogue | $83.00 | $31.00 |
| 2021 | Subaru | Ascent | $85.00 | $32.00 |
| 2021 | Mazda | CX-9 | $85.00 | $26.00 |
| 2021 | Volkswagen | ID | $86.00 | $31.00 |
| 2021 | Honda | Civic | $86.00 | $30.00 |
| 2021 | Toyota | Sienna | $87.00 | $34.00 |
| 2021 | Subaru | Legacy | $87.00 | $31.00 |
| 2021 | Hyundai | Santa Fe | $88.00 | $34.00 |
| 2021 | Nissan | Murano | $90.00 | $32.00 |
| 2021 | Mazda | 3 | $91.00 | $34.00 |
| 2021 | Honda | Insight | $91.00 | $37.00 |
| 2021 | Toyota | Highlander | $92.00 | $32.00 |
| 2021 | Lexus | ES 350 | $93.00 | $33.00 |
| 2021 | Toyota | Camry | $94.00 | $31.00 |
| 2021 | Ford | Explorer | $96.00 | $32.00 |
| 2021 | Kia | K5 | $97.00 | $39.00 |
| 2021 | Honda | Accord | $97.00 | $30.00 |
| 2021 | Mazda | 6 | $98.00 | $33.00 |
| 2021 | Cadillac | XT6 | $98.00 | $38.00 |
| 2021 | Mitsubishi | Outlander | $104.00 | $34.00 |
| 2021 | Nissan | Altima | $105.00 | $39.00 |
| 2021 | Volvo | V60 | $110.00 | $36.00 |
| 2021 | Acura | TLX | $110.00 | $44.00 |
| 2021 | Volvo | S60 Recharge | $113.00 | $31.00 |
| 2021 | Volvo | S60 | $113.00 | $31.00 |
| 2021 | Kia | Stinger | $114.00 | $37.00 |
| 2021 | Volvo | S90 | $115.00 | $28.00 |
| 2021 | Nissan | Maxima | $116.00 | $38.00 |
| 2021 | Mercedes Benz | C-Class | $118.00 | $32.00 |
| 2021 | Genesis | G70 | $120.00 | $40.00 |
| 2021 | Audi | A6 | $122.00 | $32.00 |
| 2021 | Audi | Q5 | $124.00 | $34.00 |
| 2021 | Lexus | IS | $133.00 | $32.00 |
| 2021 | Audi | A7 | $143.00 | $33.00 |
| 2021 | Tesla | Model 3 | $175.00 | $36.00 |
Full Coverage vs. Liability Insurance Costs
Full coverage insurance is more expensive than liability-only. Full coverage includes everything liability coverage entails and damages to your vehicle if lost, stolen, or damaged.
Illinois Pre-owned Car Insurance Averages
| Full coverage policy | Liability-only policy |
|---|---|
| $97.24 monthly | $32.09 monthly |
The Best Illinois Car Insurance Companies
The best three insurance companies offering auto policies in Illinois are American Family Mutual, Illinois Farmers Insurance, and Standard Fire Insurance.
We identified these three companies by researching Illinois’ complaint records for auto insurance companies. We compared companies with more than 100 million in direct written premiums. A lower ratio indicates more satisfied customers.
| Ranking | Insurance Company | Ratio of Complaints per $1 million in Direct Written Premium |
|---|---|---|
| 1 | American Family Mutual | 0.0464 |
| 2 | Illinois Farmers | 0.0505 |
| 3 | Standard Fire | 0.0658 |
| 4 | Country Mutual | 0.0825 |
| 5 | Allstate Fire and Casualty | 0.0955 |
| 6 | State Farm Mutual | 0.0966 |
| 7 | Progressive Northern | 0.1139 |
| 8 | Progressive Universal | 0.1192 |
| 9 | Geico | 0.1257 |
| 10 | American Family | 0.1392 |
| 11 | State Farm Fire & Casualty | 0.1947 |
Tips to Lower Insurance Premiums in Illinois
Insurance premiums are an expensive fact of life. Knowing how to find and keep a cheaper policy makes a huge difference in your budget.
Follow these tips to save money.
- Find a reliable insurance agent in Illinois
- Find a licensed insurance company
- Compare policies periodically
- Maintain a clean driving record
- Reduce your annual mileage
- Improve your credit score
Research Methodology
We focused on policy costs in the state of Illinois rather than national averages. Policy costs fluctuate from state to state, so by narrowing our search to Illinois, we have provided more specific information.
Using an Illinois address and a basic driver profile, we input a list of 45 vehicles through an insurance quote generator.
Basic Driver Profile
- 35-year-old male, Bachelor’s Degree, single
- Homeowner with clean driving record
- Owns vehicle in inquiry
- Drives 12,000 miles per year
We used cars awarded the IIHS 2021 Top Safety Pick+. The IIHS is an independent, nonprofit organization that gives vehicle safety ratings on the market.
Here’s a breakdown of the coverage policies we asked the quote generator for liability-only.
- $100,000/$300,000 Liability limits
- $100,000 property damage limits
- $10,000 Personal Injury Protection
For the full coverage policies, we added the following coverages to the liability selections.
- $1000 deductible on collision coverage
- $1000 deductible for comprehensive coverage
- $50/$1500 Rental Reimbursement
- $100 Roadside Assistance
Frequently Asked Questions
What is the cheapest SUV to insure in Illinois?
The least expensive SUV to insure in Illinois is Mazda’s CX-5.
Are older cars cheaper to insure?
Older cars are cheaper to insure. As their value drops, the replacement cost goes down.
How much liability insurance is required in Illinois?
Illinois requires drivers to have a liability insurance policy with a bodily injury limit of $25,000 per person per accident and a total limit minimum of $50,000 per accident. The policy must also cover a minimum of $20,000 in property damage.
What is the penalty for driving without insurance in Illinois?
First-time offenders in Illinois will have their vehicle registration suspended. They must provide proof of insurance and pay a $100 reinstatement fee.
What is the basic insurance for a car?
In most states, liability insurance is legally required. This covers damage to someone else’s property and medical expenses. Your lender may also need comprehensive collision insurance to cover damage to your vehicle.
What car has the highest insurance rates?
Sport or luxury vehicles have higher insurance rates than other vehicles because their higher value makes them more expensive to replace.
References:
(2022). Auto Insurance Shopping Guide. Illinois Department of Insurance. Retrieved November 11, 2022, from https://www2.illinois.gov/sites/Insurance/Consumers/ConsumerInsurance/Auto/Pages/auto-insurance-shopping-guide.aspx
(2022). Illinois Department of Insurance 2020 Complaint Ratios Report. Illinois Department of Insurance. Retrieved November 11, 2022, from https://www2.illinois.gov/sites/Insurance/Reports/Reports/2020ComplaintsRatioReport.pdf
(2022). Mandatory Insurance Brochure. Illinois Secretary of State. Retrieved November 12, 2022, from https://www.ilsos.gov/publications/pdf_publications/vsd361.pdf
(2022). 2021 Top Safety Picks. IIHS. Retrieved November 9, 2022, from https://www.iihs.org/ratings/top-safety-picks/2021
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.
