Cheapest Insurance in Illinois 2021

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  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discount
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
When you think Illinois, you might think Chicago—but it’s not called the prairie state for nothing. Farmland, forests, wetlands, rolling hills, and, sure, cityscapes all have their place in Illinois.
And the insurance landscape is as broad as the natural one, so the best way to find the cheapest car insurance is to compare multiple providers.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Illinois. And if you want to learn more about car insurance rates in Illinois, keep reading.
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Here’s how much real Jerry customers saved in Illinois when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
July 5, 2021Volvo Xc90Chicago29AllstateCurrent$177/mo.$61/mo.
February 19, 2021Kia Sorento SXChicago37SafecoCustom$140/mo.$89/mo.
December 15, 2020Chevrolet Malibu LSChicago21KemperCurrent$313/mo.$102/mo.
March 27, 2021Jeep Compass LatitudeChicago28National GeneralPredicted$198/mo.$161/mo.
July 2, 2021Audi Q3 Premium S LineChicago29ClearCoverCurrent$253/mo.$201/mo.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Illinois.

Cheapest minimum coverage car insurance in Illinois

Each state has different requirements for the minimum insurance that drivers must carry. In illinois, here’s what you need to have if you’re on the road:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
Illinois employs the ‘fault’ system when it comes to determining financial responsibility for an accident. This means that if you’re at fault, you—or, more likely, your insurance company—will need to cover any injuries, damages, or other losses.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Illinois:
Before Jerry
After Jerry
$2,545$1,298
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Additional coverages you might want to consider when shopping for car insurance in Illinois

Risk FactorCoverage to Consider
High population densityWith more drivers on the road, chances of an accident are high. Accident forgiveness coverage means that your insurance rates won’t go up after your first at-fault accident.
High crime ratesPurchase comprehensive insurance to make sure you are covered for break ins and theft.
Severe winter stormsComprehensive insurance covers your vehicle if it is stolen or damaged by a falling object, animal, vandals, or weather event.
To legally drive in Illinois, you’ll need to meet the state’s bodily injury and property damage liability coverage requirements—though additional coverage is a good idea.

Best carriers for minimum coverage car insurance in Illinois

As long as you meet the minimum insurance coverage required by Illinois state law, you’re good to go.
Opting for just the basics can lead to some serious financial savings on your insurance rates—though it does come with added financial risk if you get into an accident and the damages outweigh your insurance limits.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Illinois:
Insurance Company
Before Jerry
After Jerry
Allstate$2,400$1,014
Progressive$2,454$1,310

Cheapest full coverage car insurance in Illinois

Remember that with minimum coverage, your own vehicle doesn’t have any protection. If you hit a mailbox or skim the side of a parking post, you’re on the hook for the repair costs.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$2,756$2,107
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Best carriers for full coverage car insurance in Illinois

Just about every insurance provider will be above to give you more coverage than the bare minimum—it just depends what you’re looking for!
When you’re choosing a full coverage insurer, look beyond just price to consider how the claims process works and whether past and current clients are happy with the coverage and service.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Illinois:
Insurance Company
Before Jerry
After Jerry
Nationwide$2,184$1,448
Travelers$1,908$1,450
National General$2,305$1,789
Progressive$3,248$2,529
Allstate$4,593$3,640
While you technically only need minimum insurance to drive legally in Illinois, securing additional protection will provide peace of mind and protect you financially in the event of an incident.

Cost to insure your car in Illinois by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
There are some opportunities for young drivers to lower their rates, though. The state mandates driver’s education, which many insurers offer discounts for. Many insurance companies also offer good student discounts for young drivers who maintain a B average in school.
If you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$2,479$1,535
21-24$2,555$1,616
25-34$2,368$1,532
35-44$2,138$1,356
45-54$2,319$1,341
55-64$2,085$1,368
65+$2,185$1,190
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Cost of insurance for drivers in Illinois with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Illinois uses the point system, and points vary depending on the severity of the infraction. These points remain on your record for 4–5 years and will increase your premiums, since you’ll be seen as a high-risk driver.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,450$1,652
Careless Driving$1,830$969
Defective Equipment$1,980$1,022
Improper Passing$1,942$1,436
Open Container$2,441$1,449
Illegal Turn$2,261$1,500
Failure to Obey Traffic Sign$2,530$1,821
Speeding under 15$2,772$1,871
Speeding over 15$3,508$2,469
Wrong Way/Wrong Lane$3,484$2,740

Best carriers for drivers with infractions in Illinois

Insurance Company
Before Jerry
After Jerry
State Auto$2,120$975
Nationwide$2,153$1,593
Progressive$2,560$1,690
Travelers$2,809$1,811
Kemper$3,882$1,947
Allstate$2,904$2,015
National General$2,905$2,158
Safeco$3,960$2,496

Cost of insurance for young drivers in Illinois with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Even more ‘minor’ moving violations can have a pretty big impact on insurance premiums—and since they remain on the record for up to five years, it can mean you’re considered a high-risk driver beyond your young driver years.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,894$1,968
Improper Passing$2,400$1,524
Failure to Obey Traffic Sign$2,544$1,552
Speeding under 15$2,999$2,044
Driving on Sus. License$3,613$2,747
Speeding over 15$4,406$3,075
Wrong Way/Wrong Lane$4,463$3,750
Other$2,655$1,716
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Best carriers for young drivers with infractions in Illinois

If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Illinois, check out these top carriers.
Insurance Company
Before Jerry
After Jerry
Progressive$2,730$1,811
Kemper$3,882$1,947
Allstate$3,303$2,032
Travelers$3,000$2,217
National General$3,625$2,720
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.

Types of discounts that might be available to you in Illinois

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Illinois.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Illinois insurance companies have a plethora of discounts to offer, which means that most drivers typically qualify something to help them reduce their premiums.
Discount TypeWho is Eligible?r
Customer loyalty discountInsurance companies often reward long-time customers with loyalty discounts of up to 10% on annual premiums.
Good driver discountsGood driver discounts are for California drivers who have had a valid driver’s license for the past three consecutive years, have no more than one point on their driving record, and have no serious driving-related convictions. This discount is mandated by state law and saves drivers 20% on their car insurance premium.
Driver education discountBy state law, insurance companies must provide a discount of 5–10% to older adults (50 and over) who complete an approved defensive driving course.
Good student discountsGood student discounts can help reduce insurance premiums for young drivers, who typically have sky-high rates until they turn 25. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer.
Usage-based discountsSome companies offer usage-based discounts (which can be up to 30%, in some cases) for drivers who use a telematics device or app to track their driving behaviors.
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How much does it cost to insure my car make in Illinois?

The type of car you drive can have a pretty significant impact on your insurance rates. And while it might sound strange, sticking with a middle-of-the-road, relatively inexpensive car will be your best bet for insurance savings in Illinois.
These cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Honda Cr-V EXL$1,673$1,181
Jeep Patriot Sport$2,160$1,142
Mitsubishi Outlander Sport ES$3,424$1,882

Cheapest car insurance in Illinois by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
If you’re living in an urban area like Chicago or Aurora where there are more drivers and accidents occur more frequently, you’ll find yourself with higher insurance premiums to reflect that added risk.
While the state isn’t prone to weather disasters like flooding or tornadoes, wind can be an issue. Chicago is the windy city, after all. And as the number of insurance claims for wind damage rise, so do insurance rates to compensate.
City
Before Jerry
After Jerry
Chicago$2,620$1,830
Springfield$2,207$1,576
Rockford
$2,666$2,200
Arlington Heights
$2,064$1,413
Aurora
$2,876$1,968
Naperville
$1,742$1,235
Peoria
$1,981$1,467
Antioch
$936$808
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Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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