Cheapest Auto Insurance in Illinois (2025)

With an average monthly cost of $117, Illinois drivers have relatively affordable car insurance compared to many other states in the U.S. It’s a good bit cheaper than the national average of $144 per month.

Many factors can affect your car insurance rates, but you have ways to find the cheapest auto insurance in Illinois. The best way to find cheap coverage is to compare car insurance quotes from multiple companies.

6 of the cheapest car insurance companies in Illinois

While the average cost of car insurance in Illinois is favorable, the company offering the best deal for you might differ based on your specific situation. Whether it’s your driving record, the type of car you own, or even your age, various factors influence the rate you’ll pay.

Below is a table showing some of the cheapest car insurance companies in Illinois, based on Insurify data.

Auto-Owners

State Farm

USAA

How to get the cheapest car insurance in Illinois

Insurance companies use a variety of individual rating factors to determine car insurance premiums, ranging from age and driving history to the make and model of your vehicle. Understanding what influences your rate is the first step toward snagging the best deal.

Here are a few tips for finding cheap car insurance in Illinois:

• Bundle policies. Many insurance companies offer discounts if you bundle your auto insurance with other policies, such as homeowners, renters, or life insurance.

• Drive a safe and affordable vehicle. High-end vehicles, sports cars, and cars with poor safety ratings typically cost more to insure.

• Keep a clean driving record. Insurers often reward safe drivers who avoid accidents and traffic violations with lower rates and discounts.

• Compare quotes. Don’t settle for the first quote you get. Insurance companies focus on different rating factors and offer varying discounts, so it’s worth it to get multiple quotes and compare your options.

Low-cost car insurance in Illinois

Illinois doesn’t have a program to help low-income drivers find affordable car insurance. But if you’re looking to lower the costs of your auto insurance bill in Illinois, consider comparing car insurance quotes from three to five insurers to find the best deal. Car insurance companies routinely adjust the rates they offer in a given area. Comparing quotes allows you to find the company with the cheapest rates available at the moment. 

Cheapest liability-only car insurance quotes in Illinois: Auto-Owners

Liability-only car insurance is a type of policy that covers damages you cause to other people and their property in an accident. It’s the most basic form of auto insurance and the minimum coverage required to operate a vehicle in most states.

Liability-only insurance costs an average of $81 per month in Illinois.

For Illinois residents seeking cheap liability-only car insurance, the table below provides several companies offering the lowest monthly rates.

Cheapest full-coverage car insurance quotes in Illinois: Auto-Owners

Full-coverage car insurance offers broader coverage than liability-only car insurance. In addition to bodily injury and property damage liability, it includes collision coverage, which pays for damage to your car resulting from a collision, and comprehensive coverage, which pays for damage to your car from non-collision-related events, such as theft, vandalism, and natural disasters.

While liability-only car insurance is less expensive than full-coverage car insurance, full coverage is ideal for:

• Drivers with newer or more valuable vehicles where repair and replacement costs would be high

• Drivers with auto loans or leases, as lenders typically require full coverage

• Drivers who want peace of mind knowing they’re covered for a broader range of incidents

Illinois drivers pay $153 per month, on average, for full-coverage policies. For drivers who want full coverage, here’s a look at some top companies offering competitive rates.

Car insurance requirements in Illinois

Illinois requires drivers to carry certain minimum amounts of car insurance to operate a vehicle legally:4

Drivers who want more protection can usually purchase higher bodily injury and property damage liability limits and should consider the following additional coverages:

Illinois Auto Insurance Plan

Cheapest car insurance companies in IL for drivers with an incident

An incident in the context of car insurance refers to at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations that indicate a potential risk to insurance companies.

Insurance companies base rates on risk, and drivers with more incidents on their record are statistically more likely to be involved in future accidents and file claims. Therefore, if you have incidents on your driving record, you’ll likely pay more for car insurance than drivers with clean records.

But some insurers still offer favorable rates to drivers with imperfect records.

Cheapest car insurance quotes for drivers with a speeding ticket: Auto-Owners

Speeding tickets are one of the most common traffic violations drivers face, so while it might not seem like a big deal, they can still affect your car insurance rates. Insurers consider drivers who speed risky, as they’re more likely to be involved in accidents. Insurance companies see this increased risk and adjust rates accordingly.

Illinois drivers with a past speeding ticket pay an average of $141 per month for car insurance. The table below shows the cheapest car insurance companies for Illinois drivers with a speeding ticket.

Cheapest car insurance quotes for drivers with an at-fault accident: Auto-Owners

Being involved in a car accident can be a distressing experience. When you’re deemed to be “at fault” for the accident, it implies you were primarily responsible. That can affect your car insurance premiums because it signals to insurance companies that you engaged in behavior — intentionally or not — that resulted in a claim.

Insurance companies anticipate future risks based on past events, so an at-fault accident can lead them to increase your premiums to account for potential future claims.

On average, Illinois drivers with a past at-fault accident pay $154 per month for auto coverage. The following table shows the cheapest car insurance companies for Illinois drivers with an at-fault accident on their driving record.

Cheapest car insurance quotes for drivers with a DUI: Auto-Owners

Driving under the influence (DUI) of alcohol or drugs is a serious offense and can lead to a substantial increase in your car insurance rates. A DUI indicates high-risk behavior to insurance companies, so having one on your record can affect your insurance rates for several years, and remains on your motor vehicle record permanently.

The overall average cost of insurance for a driver with a past DUI in Illinois is $188 per month. The table below shows the car insurance companies offering the most affordable rates for drivers in Illinois with a DUI.

Cheapest car insurance quotes for seniors: Auto-Owners

Your age has a significant effect on your car insurance rates. Premiums tend to decrease for drivers around age 25, when drivers have gained more experience on the road.

But car insurance rates typically increase again around age 70 due to enhanced accident risk and higher probability of medical treatment for accident-caused injuries. On average, senior drivers pay $98 per month for car insurance.

The table below shows insurance companies offering the cheapest car insurance for seniors in Illinois.

Cheapest car insurance quotes for teens: Auto-Owners

Being a teenager comes with many exciting firsts, including getting behind the wheel of a car. But with this newfound freedom comes expensive car insurance premiums. Teen drivers pay the highest car insurance rates on average because they have the highest accident frequency, and are likely to engage in dangerous driving behaviors.

Teenagers in Illinois pay $247 per month for car insurance, on average.

Teen drivers can keep car insurance affordable by staying on their parents’ insurance, driving a safe car, and taking advantage of good student discounts.

For eager young drivers and parents looking for the best insurance deals, here’s a look at some top contenders.

Illinois car insurance quotes by credit tier

In many states, including Illinois, insurance companies consider your credit history when determining your car insurance premiums.6

Drivers with excellent or good credit generally file fewer claims, so they pay lower premiums. People with poor credit are statistically more likely to file claims, so insurance companies charge them higher premiums.

For Illinois residents wondering how credit tiers affect their monthly premiums, here’s a snapshot of average rates at different credit tiers.

Car insurance rates across Illinois cities 

Illinois has seen an increase in severe weather in the last decade, causing a higher number of car insurance claims. More claims in an area can cause insurance rates to increase. But some cities have higher risks than others, leading them to have higher car insurance rates. The table below shows the average price of car insurance across several Illinois cities.