Cheapest Car Insurance in Illinois (2025)

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Cheapest Car Insurance in Illinois (2025)

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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
Progressive $103 $1,240
Trexis $104 $1,246
Mercury $105 $1,255
Safeco $115 $1,380
Electric $116 $1,396
Gainsco $125 $1,501
National General $130 $1,563
The General $145 $1,739
Bristol West $148 $1,774
Last Updated Feb 12, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.

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
Progressive $191 $2,296
Safeco $229 $2,752
Mercury $267 $3,200
Clearcover $306 $3,676
Gainsco $310 $3,722
Electric $340 $4,075
Assurance America $343 $4,119
National General $344 $4,129
The General $349 $4,187
Bristol West $355 $4,263
Last Updated Feb 11, 2025

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 $390 $4,684
21-24 $263 $3,157
Last Updated Feb 12, 2025

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.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 20 $180 $2,161
Electric 20 $224 $2,689
Dairyland 20 $232 $2,786
National General 20 $238 $2,856
Gainsco 20 $301 $3,608
Last Updated Feb 11, 2025

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 $365 $4,379
Dairyland 20 $546 $6,558
Trexis 20 $563 $6,755
The General 20 $656 $7,867
Root 20 $716 $8,592
National General 20 $763 $9,151
Gainsco 20 $768 $9,210
Bristol West 20 $816 $9,794
Electric 20 $933 $11,190
Last Updated Feb 12, 2025

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 $216 $2,586
35-44 $204 $2,450
45-54 $187 $2,245
Last Updated Feb 12, 2025

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:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Mercury 36 $90 $1,077
Progressive 36 $94 $1,126
Electric 36 $101 $1,215
Gainsco 36 $103 $1,234
National General 36 $107 $1,287
Last Updated Feb 11, 2025

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:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 36 $143 $1,710
Safeco 36 $186 $2,230
National General 36 $224 $2,690
Mercury 36 $267 $3,203
Gainsco 36 $285 $3,424
Bristol West 36 $289 $3,468
The General 36 $293 $3,513
Electric 36 $354 $4,251
Dairyland 36 $411 $4,932
Last Updated Feb 12, 2025

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 $2,153
65+ $196 $2,356
Last Updated Feb 12, 2025

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
Bristol West 65 $81 $967
Electric 65 $82 $988
Progressive 65 $103 $1,235
Mercury 65 $103 $1,240
The General 65 $120 $1,439
Last Updated Feb 11, 2025

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 $129 $1,542
Mercury 65 $214 $2,571
Bristol West 65 $223 $2,672
Safeco 65 $227 $2,720
National General 65 $242 $2,909
Dairyland 65 $274 $3,285
Gainsco 65 $312 $3,744
Electric 65 $324 $3,889
The General 65 $346 $4,154
Last Updated Feb 12, 2025

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 $2,341
Last Updated Feb 12, 2025
Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $101 $1,210
Anchor General $111 $1,338
Trexis $129 $1,551
Progressive $139 $1,666
Gainsco $168 $2,022
Safeco $184 $2,212
Clearcover $195 $2,345
Assurance America $201 $2,417
Mercury $216 $2,594
National General $218 $2,618
Last Updated Feb 12, 2025

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:

Credit Score
Avg Monthly Quote
Avg Annual Quote
550-659 $227 $2,724
660-750 $221 $2,653
<550 $223 $2,670
750+ $166 $1,988
Last Updated Feb 12, 2025

If you have a low credit score (less than 550), these companies who serve Illinois could give you the lowest premium:

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
Aspen <550 $60 $718
Commonwealth Insurance <550 $81 $971
Assurance America <550 $100 $1,203
Aspire Advantage <550 $101 $1,210
Trexis <550 $155 $1,856
Last Updated Feb 12, 2025

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:

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
$197 $2,359
Not At Fault $256 $3,072
At Fault With No Injury $259 $3,108
At Fault With Injury $275 $3,294
Last Updated Feb 12, 2025

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
Anchor General At Fault With No Injury $148 $1,776
Progressive At Fault With No Injury $170 $2,037
Embark General At Fault With No Injury $180 $2,160
Gainsco At Fault With No Injury $223 $2,680
Last Updated Feb 12, 2025

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 $123 $1,472
Gainsco At Fault With Injury $238 $2,856
National General At Fault With Injury $260 $3,116
Bristol West At Fault With Injury $287 $3,446
Dairyland At Fault With Injury $294 $3,530
Last Updated Feb 12, 2025

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 $250 $3,003
Speeding under 15 $215 $2,578
Last Updated Feb 12, 2025

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
Progressive $156 $1,877
Clearcover $207 $2,481
Safeco $216 $2,595
Mercury $220 $2,643
Gainsco $230 $2,762
National General $240 $2,877
Electric $253 $3,041
The General $281 $3,378
Last Updated Feb 12, 2025

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
$216 $2,593
DUI $199 $2,387
Last Updated Feb 12, 2025

The cheapest insurance rate for Illinois drivers with a DUI are as follows:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $94 $1,125
Bristol West $201 $2,408
National General $244 $2,924
The General $255 $3,064
Assurance America $274 $3,282
Dairyland $342 $4,108
Electric $372 $4,458
Last Updated Feb 11, 2025

Average Car Insurance for Drivers with Other Violations in Illinois

Check out the effect of other violations on your insurance premium:

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $240 $2,881
Cell Phone $207 $2,478
Defective Equipment $109 $1,303
Driving on Sus. License $165 $1,984
Eluding Police $428 $5,133
Failure to Obey Traffic Sign $247 $2,959
Illegal Turn $233 $2,799
Improper Passing $234 $2,810
Open Container $247 $2,959
Other $229 $2,752
Reckless Driving $90 $1,085
Seat Belt $62 $744
Suspension $217 $2,609
Wrong Way/Wrong Lane $222 $2,661
Last Updated Feb 12, 2025

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

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

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?

  • Who has the cheapest car insurance in Illinois?
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Still have questions? Contact us

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.