Cheap Car Insurance, Illinois: A Comprehensive Guide for 2025
Save hundreds of bucks in 2025 with the cheapest car insurance in Illinois. Our research covers various average costs, state requirements, and expert tips to help you lower your premiums and find the most affordable car insurance.
Save hundreds of bucks in 2025 with the cheapest car insurance in Illinois. Our research covers various average costs, state requirements, and expert tips to help you lower your premiums and find the most affordable car insurance.
Save on Car Insurance In Illinois
Explore and compare rates from over 50 top insurance companies, including Progressive, Travelers, AAA, and Nationwide, to find the best car insurance deals.
Get Your Free Quote- No lengthy forms
- No spam or unwanted calls
- Quotes from trusted insurance providers
Finding cheap Illinois auto insurance coverage can be challenging due to the different factors influencing premiums. Your age, driving history, type of vehicle, and where you live all play a role in determining your auto insurance costs.
This guide provides options for cheap car insurance in Illinois, highlighting different scenarios and providing comparative tables for a clearer understanding.
Minimum Coverage Requirements for Illinois Auto Insurance
The minimum requirements for auto insurance in Illinois include liability coverage and uninsured motorist coverage (UM). Liability insurance coverage includes:
- Bodily Injury Liability (BIL): This type of car insurance helps to pay for medical costs if someone else is hurt in an accident that you caused. You're eligible for:
- $25,000 Per Person
- $50,000 Per Accident
- Property Damage Liability (PDL): If you cause an accident that damages someone else's property (e.g., car, fence, or building), this insurance helps pay for the repairs. You get:
- $20,000 Per Accident
In addition to these liability coverages, Illinois law also mandates uninsured motorist bodily injury coverage with limits matching the bodily injury liability minimums, as follows:
- Uninsured Motorist Bodily Injury (UM): If you're injured in an accident caused by someone who doesn't have insurance, this insurance helps pay for your medical costs. You get:
- $25,000 Per Person
- $50,000 Per Accident
While these are the minimum legal requirements in Illinois, they might not be enough in the case of a serious accident. The costs for medical bills and property damage could quickly exceed these limits, and you could be personally responsible for paying the remaining balance. That's why insurance experts often recommend getting higher coverage limits.
Full Coverage Options For Illinois Auto Insurance
In Illinois, a policy is generally considered "full coverage" when it includes the following four key components:
Liability Coverage (Required by Illinois Law): As noted above
Vehicle Protection (Physical Damage Coverages): These coverages pay to repair or replace your own vehicle. They’re optional unless required by your lender for a financed or leased car. They include:
- Collision Coverage: Pays for damage to your car resulting from a collision with another vehicle or object (like a pole or guardrail), regardless of who is at fault.
- Comprehensive Coverage: Pays for damage to your car from non-collision events like theft, vandalism, fire, hail, or hitting a deer.
Uninsured/Underinsured Motorist (Required by Illinois Law):
| Component | Minimum Limit | What it Covers |
|---|---|---|
| Uninsured Motorist Bodily Injury (UMBI) | $25,000 per person / $50,000 per accident (Required by law) | Your and your passengers' medical bills and lost wages if hit by a driver with no insurance (or in a hit-and-run). |
| Underinsured Motorist Bodily Injury (UIMBI) | Included if you choose UMBI limits higher than the minimum | Covers the gap when the at-fault driver's insurance is not enough to pay for your injuries. |
| Uninsured Motorist Property Damage (UMPD) | Not required, but must be offered (up to $15,000 coverage with a $250 deductible) | Damage to your car if hit by an identified, uninsured driver. |
Other Recommended Coverages (Optional):
- Medical Payments (MedPay): Covers medical and funeral expenses for you and your passengers, regardless of who is at fault.
- Rental Reimbursement: Pays for a rental car while your vehicle is being repaired after a covered claim.
- Gap Coverage: Pays the difference between your totaled car's actual cash value and the amount you still owe on your loan/lease.
Note: While the state only requires Liability and Uninsured Motorist Bodily Injury, a true full coverage policy in Illinois means having Liability, Comprehensive, Collision, and Uninsured/Underinsured Motorist Coverage to protect both others and yourself. We recommend purchasing car insurance limits that are higher than the state minimums.
Average Insurance Costs in Illinois
The average cost of full coverage car insurance in Illinois is around $2,491 annually. For minimum coverage, Illinois drivers pay an average of $689 per year, which is lower than the national average of $806.
Cheapest Car Insurance Providers in Illinois
Minimum Coverage
The cheapest auto coverage options in Illinois include Geico and Travelers. Geico's minimum coverage rate is an average of $389 per year, while Travelers' is $399. Other providers with affordable car insurance in Illinois are as follows:
| Insurance Company | Annual Average Premiums | Monthly Premiums |
|---|---|---|
| Geico | $389 | $32 |
| Travelers | $399 | $33 |
| Mercury | $390 | $33 |
| Erie | $432 | $36 |
| Auto-Owners | $479 | $40 |
Full Coverage Options
For full coverage, Travelers has the cheapest auto insurance policy limits in Illinois, averaging $1,140 per year. Other providers with affordable auto insurance are as follows:
| Insurance Company | Average Annual Premium | Monthly Premium |
|---|---|---|
| Travelers | $1,140 | $95 |
| Geico | $1,474 | $123 |
| Mercury | $1,622 | $135 |
| Auto-Owners | $1,773 | $148 |
| Erie | $1,867 | $156 |
Save on Car Insurance In Illinois
Explore and compare rates from over 50 top insurance companies, including Progressive, Travelers, AAA, and Nationwide, to find the best car insurance deals.
Get Your Free Quote- No lengthy forms
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Cheapest Car Insurance in Illinois for Different Driver Profiles
1. Cheap Auto Insurance, Illinois: Teen Drivers
Teen drivers in Illinois often face higher insurance costs due to their limited driving experience. The cheapest providers for young drivers include:
| Insurance Company | Avg. Annual Cost for Teen on Family Policy | Avg. Annual Cost for Teen Standalone Policy |
|---|---|---|
| USAA* | $1,497 (added teen) | $3,457 |
| Nationwide | $2,078 | $4,849 |
| GEICO | $2,369 (added teen) | $4,075 |
| State Farm | $2,943 | $4,351 |
| Auto-Owners | $3,014 | $4,381 |
| Erie | $3,390 | $3,834 |
| Allstate | $4,096 | $6,199 |
*USAA offers some of the lowest rates, but it's only available to military families.
Teens added to family policies have notably cheaper auto insurance rates than standalone teen policies. The Illinois Department of Insurance recommends that teens be added to parents' policies as the most economical coverage option.
Note that good student discounts commonly require maintaining a B average or comparable GPA.
2. Cheap Auto Insurance, Illinois: Young Adult Drivers
Young adult drivers in Illinois still face higher auto insurance premiums due to their lack of experience behind the wheel. Travelers has the lowest rates at $1,287 per year. Geico also has lower rates at $1,653 per year. It’s important for young adults to compare rates and take advantage of any available discounts to reduce insurance costs. (See Cheapest Car Insurance, Illinois by Age table below for more affordable car insurance options).
3. Cheap Auto Insurance, Illinois: Adult Drivers
Adult Illinois drivers have cheaper auto insurance premiums compared to younger drivers. Erie offers the cheapest rates for 40-year-old females at 1,439, and $1,374 for men. Other insurers offering affordable rates include Travelers, Country Financial, and Geico. Always shop around to find the cheapest car insurance quotes. (See Cheapest Car Insurance, Illinois by Age table below for more affordable car insurance options).
4. Cheap Auto Insurance, Illinois: Senior Drivers
Senior drivers can find cheaper coverage options by taking advantage of discounts designed for older drivers. Travelers has the cheapest auto insurance in Illinois at an average annual rate of $981 for 60-year-old females and $1,041 for males. It's important to review different insurance coverage types so as to make informed decisions. (See Cheapest Car Insurance, Illinois by Age table below for more affordable car insurance options).
Cheapest Car Insurance, Illinois by Age
| Company | 17-Year-Old Female | 17-Year-Old Male | 25-Year-Old Female | 25-Year-Old Male | 40-Year-Old Female | 40-Year-Old Male | 60-Year-Old Female | 60-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Erie | $3,225 | $3,870 | $2,192 | $1,979 | $1,439 | $1,374 | $1,279 | $1,198 |
| Travelers | $3,457 | $4,229 | $1,287 | $1,352 | $1,099 | $1,154 | $981 | $1,041 |
| Country Financial | $3,588 | $3,931 | $2,143 | $2,236 | $1,621 | $1,653 | $1,488 | $1,518 |
| Geico | $3,759 | $4,318 | $1,606 | $1,467 | $1,336 | $1,330 | $1,271 | $1,284 |
| Auto-Owners | $3,834 | $4,833 | $2,260 | $2,330 | $1,758 | $1,758 | $1,548 | $1,548 |
Source: USNews (Cheapest Car Insurance in Illinois for 2025)
Cheapest Car Insurance in Illinois Based on Driver Records
Many insurers examine the risk of insurance when determining what you'll pay for coverage. Drivers with a clean record can find cheaper insurance rates in comparison to those who may have been involved in a car accident. Any speeding tickets, DUIs, at-fault accidents, or traffic violations on your record make you a driver with a higher risk of insurance. As such, high-risk drivers in Illinois pay more for insurance.
1. Cheap Illinois Auto Insurance for Drivers with a Clean Record
Mercury Insurance has the cheapest auto insurance in Illinois for drivers with a clean record, averaging at $1,141 per year. Other Illinois car insurance companies offer the following average rates:
| Company | Clean Record |
|---|---|
| Mercury Insurance | $1,141 |
| Travelers | $1,152 |
| Geico | $1,382 |
| USAA | $1,454 |
| AAA | $1,471 |
Source: USNews (Cheapest Car Insurance in Illinois for 2025)
2. Cheap Illinois Auto Insurance for Drivers with a Speeding Ticket
Drivers with a speeding ticket can find affordable rates in the Prairie State (Illinois) with companies like Travelers, Mercury Insurance, and Geico. The corresponding costs of car insurance are as follows:
| Company | With 1 Speeding Violation |
|---|---|
| Travelers | $1,553 |
| Mercury Insurance | $1,627 |
| Geico | $1,919 |
| USAA | $1,864 |
| AAA | $1,972 |
3. Cheap Illinois Auto Insurance for Drivers with an Accident
The most affordable coverage for insuring drivers in Illinois involved in a car accident is from Travelers at $1,629 per year, on average. This is followed closely by AAA. Other insurers offer the following rates:
| Company | With 1 Accident |
|---|---|
| Travelers | $1,629 |
| AAA | $1,917 |
| Geico | $2,181 |
| USAA | $2,191 |
| Mercury Insurance | $2,203 |
4. Cheap Illinois Auto Insurance for Drivers with a DUI
Drivers with a DUI pay significantly more for insurance. Travelers is still the cheapest option, with an average premium of $1,760 per year for full coverage. Other affordable providers include:
| Company | With 1 DUI |
|---|---|
| Travelers | $1,760 |
| Mercury Insurance | $2,066 |
| Geico | $2,849 |
| USAA | $2,807 |
| AAA | $2,866 |
Cheapest Car Insurance in Illinois Based on Credit History
Credit history can significantly impact insurance premiums. The cheapest providers for those with poor and good credit include:
| Company | Poor Credit | Good Credit |
|---|---|---|
| Travelers | $1,729 | $1,152 |
| Mercury Insurance | $1,866 | $1,141 |
| AAA | $2,420 | $1,471 |
| Country Financial | $2,447 | $1,776 |
| USAA | $2,547 | $1,454 |
Cheapest Car Insurance in Illinois Based on Location
Insurance costs also vary based on the driver's location within Illinois. Urban areas with higher traffic density and crime rates generally have higher premiums compared to rural areas.
| City | Avg. Monthly Full Coverage Premium | Avg. Annual Full Coverage Premium |
|---|---|---|
| Buckley | $175 | $2,102 |
| Cabery | $171 | $2,054 |
| Campus | $170 | $2,044 |
| Cullom | $171 | $2,047 |
| Gilman | $175 | $2,098 |
| Rossville | $182 | $2,181 |
| Saint Anne | $180 | $2,162 |
| Chana | $175 | $2,095 |
How to Lower Your Car Insurance Premiums in Illinois
To reduce car insurance costs, consider the following strategies:
- Compare Quotes: Always compare rates from multiple insurers.
- Increase Deductibles: A higher deductible can lower your premium, though it means more out-of-pocket expenses if you file a claim.
- Utilize Discounts: Look for discounts such as good student, safe driver, and multi-policy discounts.
- Maintain a Clean Driving Record: Avoid accidents and traffic violations to keep your rates low.
- Improve Your Credit Score: Better credit scores can lead to lower premiums.
Frequently Asked Questions
What are the Minimum Car Insurance Requirements in Illinois?
Illinois law requires drivers to carry a minimum of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $20,000 property damage liability per accident, and uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident. These coverages may not be sufficient for all drivers, so considering additional coverage like comprehensive and collision insurance is advisable.
Which Car Insurance Companies Offer the Cheapest Rates in Illinois?
Various insurers offer competitive rates in Illinois depending on factors like driving history, age, and credit score. Some of the cheapest providers for different driver profiles include Geico, Travelers, State Farm, and Country Financial.
What Factors Influence Car Insurance Premiums in Illinois?
Several factors affect car insurance premiums in Illinois, including the driver’s age, driving record, vehicle type, location, and credit score. Urban areas with higher traffic and crime rates tend to have higher premiums than rural areas.
How Can I Lower Car Insurance Premiums in Illinois?
To lower your car insurance premiums in Illinois, you can compare quotes from multiple insurers, increase your deductibles, take advantage of available discounts (like good student and safe driver discounts), maintain a clean driving record, and work on improving your credit score.
Save on Car Insurance In Illinois
Explore and compare rates from over 50 top insurance companies, including Progressive, Travelers, AAA, and Nationwide, to find the best car insurance deals..
Get Your Free Quote- No lengthy forms
- No spam or unwanted calls
- Quotes from trusted insurance providers
