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.
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:
Additional coverages you might want to consider when shopping for car insurance in Illinois
Coverage to Consider
High population density
With 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 rates
Purchase comprehensive insurance to make sure you are covered for break ins and theft.
Severe winter storms
Comprehensive 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:
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:
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.
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.
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.
Who is Eligible?r
Customer loyalty discount
Insurance companies often reward long-time customers with loyalty discounts of up to 10% on annual premiums.
Good driver discounts
Good 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 discount
By 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 discounts
Good 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.
Some 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.
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:
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.
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.
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.