Key Takeaways
- Illinois requires a minimum liability coverage of $25,000/$50,000/$20,000 and $25,000/$50,000 UM coverage.
- In Illinois, the youngest drivers (18-24) pay a lot more than the oldest drivers (65+).
- Shopping around with a few insurers will get you the best rate.
Finding cheap, quality car insurance in Illinois is no easy feat. Drivers in the Prairie State pay an average of $129.31 per year for minimum coverage costs, according to an analysis from Jerry — and yes, rates continue to climb.
The best way to get the lowest possible rates is to shop around for quotes from multiple insurers. Other factors that contribute to paying less for your premiums include maintaining a good credit score, a safe driving record, and bundling your home and auto insurance to get a discount.
What you need to know about minimum liability in Illinois
In order to remain compliant while driving, it’s a good rule of thumb to know what the state’s minimum requirements are for your car insurance. Illinois law mandates that all vehicles registered and/or used for driving purposes must have a minimum liability coverage of $25,000/$50,000/$20,000.
In Illinois, minimum liability coverage includes uninsured motorist (UM) as part of the policy, with $25,000/$50,000 limits. UM helps cover you in the event of a hit and run, within the coverage’s limits, and also helps pay for your injuries if you get hurt in a crash caused by an uninsured driver.
Let’s break down the numbers on a minimum liability policy in Illinois:
- $25,000 for bodily injury or death of one person in an accident.
- $50,000 per accident for bodily injury or death.
- $20,000 for coverage of another person’s property damage.
- $25,000 per uninsured motorist for bodily injury for one person.
- $50,000 per accident per uninsured motorist.
In short, if you are responsible for causing a car accident, minimum liability helps pay for the other person’s injuries and property damage within your policy’s limit.
Minimum liability may not be adequate to financially protect you and your assets. Once you reach your policy’s limits, you may face additional costs for repairs, injuries or a lawsuit.
Here are the cheapest car insurance rates for different demographics and driving records in Illinois, which is generated by real Jerry customers who received a quote with us from a wide range of insurance providers.
Cheapest minimum coverage insurance in Illinois
Drivers in Illinois have a variety of insurers who can provide them with state minimum coverage. Check out these quotes from various insurance companies:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspen | $60 | $718 |
| Trexis | $78 | $936 |
| Progressive | $104 | $1,251 |
| Mercury | $109 | $1,309 |
| Electric | $117 | $1,400 |
| Safeco | $117 | $1,406 |
| Gainsco | $125 | $1,499 |
| National General | $129 | $1,551 |
| The General | $142 | $1,699 |
| Bristol West | $150 | $1,804 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Illinois
Full coverage tends to be more expensive in Illinois, but you might want to get it for peace of mind or if you are required to get it because you financed, leased or have a lien on your vehicle.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $191 | $2,294 |
| Progressive | $191 | $2,295 |
| Safeco | $241 | $2,888 |
| Mercury | $280 | $3,364 |
| Clearcover | $295 | $3,544 |
| Gainsco | $299 | $3,583 |
| The General | $343 | $4,119 |
| National General | $346 | $4,150 |
| Aspire Advantage | $350 | $4,196 |
| Assurance America | $357 | $4,282 |
Cheapest car insurance for young drivers in Illinois
Young drivers in Illinois pay the highest rates — potentially multiple times what an older driver in Illinois would:
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $394 | $4,734 |
| 21-24 | $279 | $3,350 |
Cheapest liability-only policy in Illinois for a 20 year old
To get the best insurance rate, young Illinois drivers should shop around. As you can see from this table, there’s a noticeable difference in price from insurer to insurer.
Cheapest full coverage policy in Illinois for a 20 year old
If you need to get full coverage as a young driver in Illinois, unfortunately, you’ll have to be ready to fork a decent amount more than the liability only amounts:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 20 | $359 | $4,305 |
| Dairyland | 20 | $387 | $4,642 |
| Root | 20 | $667 | $8,002 |
| The General | 20 | $701 | $8,407 |
| National General | 20 | $796 | $9,547 |
| Electric | 20 | $824 | $9,888 |
| Gainsco | 20 | $839 | $10,066 |
| Bristol West | 20 | $957 | $11,489 |
Average car insurance for mature drivers in Illinois (25-54 years old)
Luckily, as drivers get into their adulthood, prices for auto insurance follow a downward trend:
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $224 | $2,683 |
| 35-44 | $205 | $2,464 |
| 45-54 | $198 | $2,382 |
Cheapest liability-only policy in Illinois for a 36 year old
The average Jerry customer is 36 years old. Here are the rates for a liability-only policy in Illinois for a 36 year old:
Cheapest full coverage policy in Illinois for a 36 year old
Here are the cheapest rates for a 36-year-old Illinois for full coverage from various Jerry partners:
Average car insurance for older drivers (55+ years old)
Illinois drivers aged between 55-64 pay the lowest rates among all other age groups. The trend of decreasing prices starts increasing as you enter the over-65 age group.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $179 | $2,150 |
| 65+ | $191 | $2,295 |
Cheapest liability-only policy in Illinois for a 65 year old
Here are the rates for a liability-only policy in Illinois for a 65 year old.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Mercury | 65 | $53 | $634 |
| Progressive | 65 | $67 | $799 |
| Gainsco | 65 | $74 | $891 |
| Electric | 65 | $74 | $891 |
| The General | 65 | $80 | $958 |
Cheapest full coverage policy in Illinois for a 65 year old
Here are the cheapest rates for a 65-year-old in Illinois for full coverage from Jerry customer quotes:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 65 | $156 | $1,871 |
| Gainsco | 65 | $177 | $2,128 |
| Electric | 65 | $198 | $2,382 |
| Bristol West | 65 | $226 | $2,716 |
| National General | 65 | $227 | $2,724 |
| The General | 65 | $235 | $2,818 |
| Mercury | 65 | $245 | $2,939 |
| Dairyland | 65 | $247 | $2,969 |
| Safeco | 65 | $612 | $7,346 |
Average car insurance for drivers with clean records in Illinois
Drivers with a clean record generally get the best prices for their auto insurance. Here’s our data for drivers in Illinois:
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|
| $195 | $2,343 |
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $112 | $1,338 |
| Progressive | $140 | $1,679 |
| Gainsco | $167 | $2,000 |
| Embark General | $167 | $2,002 |
| Anchor General | $190 | $2,275 |
| Clearcover | $195 | $2,334 |
| Safeco | $198 | $2,371 |
| The General | $216 | $2,593 |
| Mercury | $216 | $2,595 |
| Electric | $222 | $2,660 |
Average car insurance for drivers with low credit scores in Illinois
In Illinois, our data shows that people with the highest credit score get the best auto insurance rates:
If you have a low credit score (less than 550), these companies who serve Illinois could give you the lowest premium:
Cheapest car insurance for drivers with at-fault accidents in Illinois
An accident will cause your rates to rise, whether you’re at fault or not:
Cheapest car insurance for drivers with at-fault accidents with no injury in Illinois
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Metlife | At Fault With No Injury | $56 | $673 |
| Trexis | At Fault With No Injury | $70 | $840 |
| Commonwealth Insurance | At Fault With No Injury | $157 | $1,885 |
| Progressive | At Fault With No Injury | $172 | $2,062 |
| Embark General | At Fault With No Injury | $180 | $2,160 |
Cheapest car insurance for drivers with at-fault accidents with injury in Illinois
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | At Fault With Injury | $132 | $1,583 |
| Gainsco | At Fault With Injury | $254 | $3,045 |
| Aspire Advantage | At Fault With Injury | $259 | $3,104 |
| National General | At Fault With Injury | $281 | $3,378 |
| Dairyland | At Fault With Injury | $294 | $3,530 |
Cheapest car insurance for drivers with a speeding ticket in Illinois
The long, straight highways in Illinois might cause you to speed inadvertently, but beware as getting a speeding ticket can cause your insurance rates to increase. The more you speed, the more likely you will get a larger increase in your auto insurance premiums:
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Speeding over 15 | $249 | $2,989 |
| Speeding under 15 | $226 | $2,715 |
Here’s the cheapest insurance companies if you have a speeding ticket in Illinois.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspen | $60 | $718 |
| Bluefire | $137 | $1,645 |
| Commonwealth Insurance | $157 | $1,885 |
| Progressive | $158 | $1,894 |
| Safeco | $203 | $2,430 |
| Gainsco | $223 | $2,679 |
| Mercury | $239 | $2,870 |
| National General | $242 | $2,908 |
| Clearcover | $267 | $3,202 |
| Electric | $277 | $3,330 |
Cheapest car insurance for drivers with a DUI in Illinois
Getting a DUI in Illinois is expensive because you’ll be saddled with higher insurance rates than a driver with a clean record:
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| $219 | $2,624 | |
| DUI | $197 | $2,358 |
The cheapest insurance rate for Illinois drivers with a DUI are as follows:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $91 | $1,090 |
| Gainsco | $127 | $1,518 |
| National General | $181 | $2,171 |
| Bristol West | $209 | $2,507 |
| The General | $255 | $3,064 |
| Dairyland | $342 | $4,108 |
| Electric | $372 | $4,458 |
Average Car Insurance for Drivers with Other Violations in Illinois
Check out the effect of other violations on your insurance premium:
What are the options for more coverage?
For extensive coverage and added financial protection, you can add collision coverage and comprehensive coverage to your policy. Both of these kinds of claims are likely to come with a deductible.
- Collision coverage helps pay for the damage to your car caused by another vehicle in a collision.
- Comprehensive coverage helps pay for damages caused by covered events that don’t involve a collision with another vehicle like hail, fire or theft.
Depending on your needs, you can also opt for towing, roadside assistance and other insurance products. The rates for these additional types of car insurance varies.
Why is full coverage car insurance beneficial?
Good coverage is important for Illinois residents who contend with risks like driving on snowy and icy roads, wildlife crossings in rural areas and distracted drivers. For example, if you frequently drive on US Route 45 through rural areas — which has been dubbed by some as the most dangerous road in the state — you may want to consider full coverage.
If you have assets, full coverage will give you more financial protection in the event of a lawsuit or serious collision that goes beyond your minimum policy’s limits.
Regardless, make sure to keep your auto insurance card in a safe place in your car, per state law.
Factors that determine your car insurance premium
In Illinois, insurance carriers use a rating system to formulate the cost of your premium. It’s based on your risk profile and other factors, which may include:
- Age, gender and marital status.
- Driving record and history.
- Where you live.
- The vehicle you drive.
- Deductibles.
- Credit score.
Does Illinois require no-fault insurance?
Illinois drivers are not required by law to have no-fault insurance. But depending on your circumstances, it may be a good idea to have it for added protection. This coverage helps pay for your medical expenses and loss of income for injured passengers in an accident regardless of who is deemed responsible.
Tips to lower your car insurance cost in Illinois
Throughout the year, you should compare quotes from multiple insurance carriers to find the best rate possible for your needs and driver profile.
Other strategies for potentially lowering your rate involve solutions like bundling your auto insurance with a home insurance policy, selecting policies with higher deductibles to save, or paying for your policy in full.
The good news is that you don’t need to wait for your policy to lapse to research auto insurance providers. Consider using Jerry, America’s first AllCar™ app, to save you time and the hassle. Jerry is a licensed broker that compares car insurance policies all in one place — and we don’t give out your personal information.
NEED HELP?
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Who has the cheapest car insurance in Illinois?
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Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
