Best Car Insurance in Illinois (2025)
State Farm, Auto-Owners, and USAA are some of the best insurers for Illinois drivers.
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Shopping for car insurance can be difficult, as everyone has different coverage needs and priorities. Illinois drivers pay $81 per month for liability coverage, on average, but comparing multiple companies is the easiest way to find a cheaper rate.
Insurify analyzed 50 car insurance companies based on various factors, like cost, coverage, and customer satisfaction, to find the cheapest car insurance in Illinois.
Best car insurance companies in Illinois
While plenty of good car insurance companies operate in Illinois, some stand out above the rest. Below are the five best car insurance companies in Illinois based on customer service, affordability, available coverages, discounts, J.D. Power and AM Best ratings, and the number of complaints on the National Association of Insurance Commissioners (NAIC) complaint index.
State Farm: Best for customer service
Auto-Owners: Best for affordability
USAA: Best for military families
Allstate: Best for discounts
COUNTRY Financial: Best for local service
How to get the best car insurance in Illinois
When shopping for the best car insurance in Illinois, keep a few key tips in mind:
Average cost of car insurance in Illinois
The average cost of car insurance in Illinois is $117 per month, compared to the national average rate of $144. Drivers pay an average of $81 per month for liability coverage and $153 for a full-coverage policy.
The average annual cost of full coverage in Illinois increased by roughly 19%, and Insurify projects it will increase by a total of 31% by the end of the year. This is why it’s crucial to compare car insurance quotes from multiple insurance companies before buying a policy.