Looking for cheap car insurance in Illinois? CheapInsurance.com has compared insurance quotes from the state’s best best car insurance in Illinois for 2024.
Famous for being the home of Chicago, the Windy City, Illinois is also known for being the start of Route 66, one of the original highways in the U.S.
With a population of just under 13 million people, there are 8.2 million registered drivers in the state.
Whether you’re planning on tackling the iconic Route 66 or simply going about your daily routine, there’s a good chance that if you live in Illinois, you’ll need a car.
Drivers in Illinois pay on average $1,394 per year for car insurance, that’s almost 9% less than the national average.
Prairie State Cruising: Updates & Cheap Car Insurance Insights for Illinois 2024
Hit the open road in Illinois with confidence thanks to these key updates for 2024:
Illinois Vehicle Code Changes:
- Distracted driving crackdown: Effective July 1st, holding a phone while driving is completely prohibited, even at stoplights. Hands-free devices remain acceptable. (Source: Illinois House Bill 3997)
- Increased penalties for speeding: Expect harsher fines and potential driver’s license suspension for excessive speeding violations. (Source: Illinois Revised Statutes Title 625)
- Expansion of electric vehicle (EV) charging infrastructure: New programs and investments aim to significantly increase EV charging stations across the state. Stay informed through the Illinois Department of Commerce and Economic Opportunity. (Source: Illinois Department of Commerce and Economic Opportunity)
Average Auto Insurance Quotes in Illinois (2024):
(Sources: The Zebra, Bankrate)
| Company | Minimum Coverage | Full Coverage |
| State Farm | $182 | $525 |
| GEICO | $179 | $482 |
| Progressive | $185 | $468 |
| Farmers | $191 | $504 |
| Liberty Mutual | $197 | $510 |
Remember: Individual rates in Illinois can vary significantly based on driving history, location, vehicle type, and desired coverage.
But, just because car insurance is relatively cheap in Illinois, it doesn’t mean you’re necessarily getting the best deal on your auto insurance.
If you’re a high-risk or young driver, you could be overpaying for car insurance. Even if you’re a good driver with a clean driving record, you might be paying too much.
The only way to be sure that you’re getting the best deal on your insurance is by comparing cheap car insurance quotes from multiple insurance companies.
To help you find affordable car insurance in Illinois, we did the hard work of comparing quotes offered by some of the state’s best car insurers.
We looked at quotes in these five Illinois counties:
- Cook County.
- DuPage County.
- Lake County.
- Will County.
- Kane County.
Where to Find Cheap Minimum Liability Car Insurance in Illinois
Liability car insurance protects third parties in the event that you cause bodily harm/death or damage to another person or their property while driving.
Say, for example, you cause an at-fault accident that results in $8,000 damage to the other driver’s car.
Without liability coverage, you will have to pay for this from your own pocket. When you have liability insurance, your insurer will pay this amount on your behalf.
The state knows that most people don’t have thousands of dollars saved up in case of an accident, which is why Illinois makes it mandatory for all drivers to have a minimum amount of liability insurance.
Key Point: Minimum Liability InsuranceLiability insurance is designed to protect third parties and their property from any damage you might cause while driving. Each state has different minimum liability insurance requirements, but it always addresses these three points:
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Key Point: Uninsured Motorist CoverageThis insurance will cover you for bodily injury, work compensation, and medical bills if you are in an accident with an uninsured driver. If you’re in an accident with a driver who doesn’t have coverage and you don’t have uninsured motorist coverage, you will have to pay for your own medical bills. |
The minimum uninsured motorist coverage required in Illinois is:
- $25,000 in bodily injury liability coverage for each injured person.
- $50,000 in bodily injury liability coverage total per accident.
If you cause an accident and don’t have minimum liability insurance, you will be liable for paying any costs out-of-pocket to the third party, such as medical bills, lost wages, and repairs to their property.
If you’re caught driving without insurance in Illinois, you may be subject to the following penalties:
- Fine ranging from $500 to $1,000.
- License suspension.
- A license reinstatement fee of $100.
- You may be required to carry SR-22 insurance.
Key Point: Is Minimum Liability Coverage Enough?As the names suggest, minimum liability coverage and minimum uninsured motorist coverage will insure you for the lowest legal amount. While these plans are affordable, they may not provide enough coverage in a real-life scenario. Say, for example, you cause an at-fault accident and total another driver’s car. If their car is worth $30,000, your minimum coverage liability insurance will pay out a maximum of $20,000—leaving you liable to personally pay the outstanding $10,000. |
We looked at the minimum liability rates offered by Illinois insurers and found that these companies offer the cheapest car insurance quotes:
- Mile Auto with an average rate of $43.40.
- Certainly with an average rate of $67.50.
- Mercury with an average rate of $79.80.
| Provider | Cook County | DuPage County | Lake County | Will County | Kane County | Average |
| Mile Auto | $50.00 | $37.00 | $51.00 | $41.00 | $38.00 | $43.40 |
| Certainly | $82.00 | $66.00 | $63.00 | $59.00 | $67.50 | |
| Mercury | $96.00 | $62.00 | $111.00 | $70.00 | $60.00 | $79.80 |
| GAINSCO | $140.00 | $95.00 | $111.00 | $101.00 | $111.75 | |
| Elephant | $148.00 | $105.00 | $105.00 | $156.00 | $128.50 | |
| Bristol West | $220.00 | $119.00 | $187.00 | $158.00 | $120.00 | $160.80 |
Cheap Full Coverage Car Insurance in Illinois
Remember, uninsured motorist coverage will not pay out if you’re in an accident with an insured driver.
Although liability insurance reimburses third parties for damage you may cause, it doesn’t provide coverage for your own vehicle.
In order to make sure your car is covered for a range of everyday driving scenarios, you will need a full coverage car insurance policy.
Key Point: What Is Full Coverage Car Insurance?Full coverage car insurance is a combination of three types of car insurance policies. It’s called ‘full coverage’ because it provides complete cover, whether your car is stolen, damaged, or if a liability claim is made against you:
If you get comprehensive coverage, collision coverage, and liability insurance, these three policies bundled together are called ‘full coverage car insurance’. |
To help you find the most affordable car insurance quotes in Illinois, we compared full coverage car insurance quotes offered by five insurers.
We found that the three cheap car insurers in Illinois are:
- Certainly with average rates of $80.60.
- Mercury with average rates of $101.20.
- Elephant with average rates of $144.60.
| Provider | Cook County | DuPage County | Lake County | Will County | Kane County | Average |
| Certainly | $109.00 | $84.00 | $51.00 | $83.00 | $76.00 | $80.60 |
| Mercury | $109.00 | $73.00 | $170.00 | $83.00 | $71.00 | $101.20 |
| Elephant | $181.00 | $126.00 | $152.00 | $133.00 | $131.00 | $144.60 |
| Bristol West | $232.00 | $158.00 | $245.00 | $177.00 | $159.00 | $194.20 |
| State Auto | $238.00 | $160.00 | $171.00 | $181.00 | $168.00 | $183.60 |
| Travelers | $131.00 | $239.00 | $136.00 | $131.00 | $159.25 |
Inexpensive Car Insurance in Illinois for Drivers with Clean Driving Records
Insurance companies consider drivers to be ‘good drivers’ if they have a clean driving record and meet the following criteria:
- Have not been in an at-fault accident.
- They have not been convicted of a major traffic violation.
- Speeding ticket not on their driving record.
- Not charged with reckless driving charges.
- DUI charges on their driving record.
- Not made a major car insurance claim.
- Good credit.
If you meet the above criteria, you may be eligible for a good driver discount. Good driver discounts usually range from 10% to 30%, saving you a lot of money on car insurance.
We looked at the various good driver car insurance quotes offered by Illinois insurance companies.
We found that these are the least expensive auto insurance companies for good drivers:
- Mile Auto with average rates of $49.60.
- Certainly with average rates of $75.25.
- Mercury with average rates of $92.40.
| Provider | Cook County | DuPage County | Lake County | Will County | Kane County | Average |
| MileAuto | $61.00 | $43.00 | $51.00 | $48.00 | $45.00 | $49.60 |
| Certainly | $92.00 | $73.00 | $71.00 | $65.00 | $75.25 | |
| Mercury | $103.00 | $68.00 | $148.00 | $77.00 | $66.00 | $92.40 |
| Elephant | $172.00 | $120.00 | $109.00 | $127.00 | $125.00 | $130.60 |
| State Auto | $232.00 | $156.00 | $155.00 | $175.00 | $164.00 | $176.40 |
| Bristol West | $248.00 | $138.00 | $206.00 | $184.00 | $139.00 | $183.00 |
Affordable Car Insurance in Illinois for High Risk Drivers
High risk drivers usually get higher automobile insurance quotes than good drivers.
Automobile insurance companies will classify a driver as high risk if they meet these criteria or have the following violations on their driving record:
- An at-fault accident.
- Multiple speeding tickets.
- A DUI charge.
- Carrying SR-22 insurance.
- Having a lapse in insurance coverage.
- Living in a high-risk area.
- Having too many points on their driving record.
- Having poor credit.
While it can be difficult for high risk drivers to find an affordable car insurance quote, it isn’t impossible.
We looked at the rates offered by Illinois insurance companies to find the best cheap auto insurance quotes for high risk drivers:
- GAINSCO with average rates of $111.75.
- Mercury with average rates of $215.
- Elephant with average rates of $293.
| Provider | Cook County | DuPage County | Lake County | Will County | Kane County | Average |
| GAINSCO | $140.00 | $95.00 | $111.00 | $101.00 | $111.75 | |
| Mercury | $278.00 | $179.00 | $241.00 | $204.00 | $173.00 | $215.00 |
| Elephant | $356.00 | $230.00 | $293.00 | |||
| Bristol West | $457.00 | $276.00 | $330.00 | $300.00 | $340.75 | |
| Freedom National | $245.00 | $188.00 | $232.00 | $230.00 | $223.75 | |
| Higher coverage | $372.00 | $509.00 | $440.50 |
Inexpensive Auto Insurance in Illinois for Teen Drivers
A study by the CDC found that drivers aged between 16 to 19 are three times more likely to be involved in a fatal car crash than drivers who are over 20 years old.
Young drivers are, by default, less experienced than older drivers. For this reason, car insurance companies charge teen drivers higher premiums.
To help teen drivers find cheap Illinois car insurance, we compared quotes for a full coverage policy from seven car insurance companies.
Our research shows that these are the cheapest car insurance companies in Illinois for young drivers:
- Mile Auto with average rates of $95.80.
- Certainly with average rates of $139.25.
- Elephant with average rates of $169.33.
| Provider | Cook County | DuPage County | Lake County | Will County | Kane County | Average |
| Mile Auto | $112.00 | $79.00 | $116.00 | $90.00 | $82.00 | $95.80 |
| Certainly | $165.00 | $136.00 | N/A | $133.00 | $123.00 | $139.25 |
| Elephant | N/A | N/A | $137.00 | $187.00 | $184.00 | $169.33 |
| GAINSCO | $298.00 | $200.00 | N/A | $237.00 | $213.00 | $237.00 |
| Bristol West | $394.00 | $262.00 | $288.00 | $293.00 | $264.00 | $300.20 |
| State Auto | $527.00 | $360.00 | $349.00 | $403.00 | $373.00 | $402.40 |
Finding Cheap Insurance in Illinois
Follow Your Lender’s Requirements
Unless you bought your car for cash or have already paid it off, your car is likely to be leased or financed by a lender. Lenders usually have strict insurance requirements, so make sure you read the fine print. Almost all lenders will require you to have both comprehensive coverage and collision coverage. Some dealers won’t even let you drive the car off the lot unless you can prove you meet these requirements. If your car insurance lapses, your lender will add single-interest insurance to your loan. Also known as lender insurance, single interest insurance protects the lender to cover the loan amount if you default on your monthly payments. This is more expensive than car insurance, and won’t provide insurance coverage to you if anything happens to your car.
Find Out Whether You’re Eligible for Cheap Car Insurance Quotes
Some car insurance companies offer discounts for the following types of drivers:
- Clean driving record.
- Completed a registered defensive driving course.
- Paying full annual premiums upfront.
- Cars equipped with security features like an alarm system, tracking device, or anti-smash windows.
- Driving less than 10,000 miles annually.
If you think you may qualify for one or more of these discounts, you should get in touch with your insurance agent or car insurance company.
Compare Multiple Auto Insurance Quotes
Shopping around for quotes is the best way to ensure you’re getting a good auto insurance quote.
While the cost of car insurance is seldom negotiable, you may be able to leverage a lower rate if you can prove another insurer is willing to offer you a better rate for car insurance.
Comparing quotes from multiple insurers can become time-consuming. To save time, go through a licensed insurance agent. They will speak to insurance companies on your behalf, negotiating the best possible rate and ensuring any discounts you’re eligible for, are applied.
Vehicle Insurance Quotes in Illinois
1. Mile Auto
If you drive under 10,000 miles per year, you could enjoy significant savings on your car insurance with Mile Auto.
As a per-mile insurer, your rates are based on the number of miles you drive every month.
Mile Auto is currently available in Arizona, California, Georgia, Illinois, Ohio, Oregon, Pennsylvania, and Texas.
Mile Auto offers the following insurance policies and benefits:
- Full coverage insurance (comprehensive insurance, collision insurance, liability insurance).
- Rental car reimbursement.
- Roadside assistance.
- Personalized deductibles.
- Various coverage limits.
- Storage insurance (coverage for your car when it’s not being driven).
2. Certainly
Certainly offers insurance underwritten by a Fortune 100 company, Liberty Mutual Insurance Company, to drivers in Arizona, Illinois, Ohio, Tennessee, and Wisconsin.
They pride themselves on offering affordable, reliable, and 100% online insurance. Certainly doesn’t disclose their phone numbers, so you will need to contact them via online chat, a contact form, or their email.
This is a great option for drivers who prefer to manage their insurance policies virtually, but you may find this frustrating if you prefer to speak to an agent on the phone.
They offer various insurance policies, including:
- Auto insurance.
- Renters insurance.
- Small business insurance.
3. Elephant
Founded in Richmond, Virginia, in 2009, Elephant prides itself on being “big enough to matter but small enough to care”. They’re a subsidiary of Admiral Group, one of the U.K.’s leading insurers.
Elephant is available in eight states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.
Some of the benefits they offer, include:
- Rental car reimbursement.
- Non-owner car insurance for people who regularly drive a vehicle they don’t own.
- Loan/lease insurance.
- Legal assistance coverage.
- Custom parts and equipment coverage.
- Discounted rates for certain repair and maintenance services.
Is auto insurance expensive in Illinois?
Drivers in Illinois pay on average $1,394 per year for car insurance—almost 9% less than the national average.
But, just because car insurance is relatively cheap in Illinois, it doesn’t mean you’re necessarily getting the best deal on your auto insurance.
The best way to know whether you’re getting the best auto insurance rates is to compare inexpensive auto insurance quotes from multiple insurers.
