Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Addison, Illinois.

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Updated on Nov 21, 2024

Kianna Walpole

Expert Insurance Writer & Editor

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Maria Cruz, Expert Insurance Writer & Editor

Learn more about our insurance review board

What's on this page?

Cheapest car insurance quotes in Addison
Cheapest Addison car insurance for good drivers
Best car insurance companies in Addison
Best cheap car insurance quotes in Addison
Average cost of car insurance in Addison
Car insurance quotes in Addison by rating factors
How do different factors impact your car insurance costs in Addison?
Cheap car insurance quotes in Addison after driving violations
Cheap car insurance quotes in Addison by age
Cheap car insurance quotes in Addison based on insurance history
Cheap car insurance quotes in Addison for popular cars
How to lower car insurance costs in Addison
FAQ
Methodology
Meet our experts

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Cheapest car insurance quotes in Addison

On average, auto insurance in Addison costs about $90 per month for minimum coverage liability insurance and about $190 per month for full coverage insurance. Addison drivers pay 8% less than the average.

For those seeking a liability-only policy, most drivers in Addison, Illinois find top savings with

Direct Auto

($40/month), Say Insurance ($44/month), and

Safeco

($56/month). When it comes to full coverage, providers including

Mercury Auto

($99/month),

Direct Auto

($107/month), and

Travelers

($117/month) offer the cheapest policies.

Finding

cheap car insurance in Illinois

can be Ill-annoying!—sorry, I’ll show myself out. Lame jokes aside, if there was a single best car insurance company in Addison, everyone would have heard of it by now.

The truth is that the best auto insurance policy varies from driver to driver, and you need to compare tons of quotes to find the coverage and the price you want.

The bonus truth is that

Jerry

makes it easy to find and compare

cheap car insurance

quotes for free. All it takes is 45 seconds to sign up and less than a minute to receive the five to seven most competitive offers in your area. So skip the stress of shopping and go straight to the savings!

Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Progressive	$145	Julian, 20 Zip: 60101	Volkswagen Jetta S	• State Minimum Liability
Safeco	$119	Helena, 33 Zip: 60101	Mazda CX-5 Grand Touring	• State Minimum Liability • Comp / Collision
Clearcover	$141	Dorothy, 29 Zip: 60101	GMC Terrain SLT	• 100,000/300,000 Liability • Comp / Collision
Electric	$92	Sadie, 60 Zip: 60101	Ford Focus SE	• State Minimum Liability • Comp / Collision

Last Updated Nov 16, 2024

Compare car insurance quotes now

Cheapest Addison car insurance for good drivers

Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.

Good drivers in Addison can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.

Customer	Driving Score	Insurance Savings	Has Violations	Insurance Coverage
Nathaniel, 21	66	20%	No	State Minimum Liability Minimum Coverage
Roberto, 34	94	37%	No	100/300 Comp/Collision
Angel, 44	70	19%	No	100/300 Comp/Collision
Danny, 54	90	29%	No	State Minimum Liability Comp/Collision
Michael, 64	85	24%	No	100/300 Comp/Collision

Let your good driving pay off

Best car insurance companies in Addison

If you wanted to find the best rates in Addison, you'd have to compare hundreds of insurance providers and thousands of coverage options...but we've done all the research for you!

To discover the best of the best, Jerry conducted one of the nation's largest shopping surveys.

We found that

State Farm

Allstate

, Country Insurance,

Travelers

, and Assurant held the biggest market shares in Illinois.

However, they didn’t necessarily earn the highest ratings. Because every car insurance provider calculates premiums differently, the best insurance policy varies from driver to driver.

You’ll have to compare quotes from at least three companies while shopping for auto insurance to find what works for you.

The table below shows how drivers in Addison rate different companies on a scale of 0 to 5.

Insurance company	Overall rating	Price	Claims experience	Customer service
Progressive	4.4	3.9	4.1	4.4
Allstate	4.4	3.6	4.2	4.7
Liberty Mutual	4.2	4	N/A	4.2
State Farm	3.9	3.7	2.8	4.1
Geico	3.7	2.9	4.2	3.7

Which provider offers the cheapest insurance in Addison, Illinois?

There is no company that will provide the ‘best’ rates for all drivers in Addison, Illinois. However, drivers can often find cheaper than average full coverage costs with Mercury Auto, Direct Auto, and Travelers. Direct Auto, Say Insurance, and Safeco, on the other hand, generally provide low liability-only policies.

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Addison

Illinois car insurance laws

require every driver—including those in Addison—to carry

liability car insurance

and

Uninsured Motorist/Underinsured Motorist (UM/UIM) bodily injury coverage

Liability insurance covers the costs of treating anyone you injure in an at-fault accident and repairing (or replacing) any property you damage. However, UM/UIM bodily injury coverage covers the medical expenses of you and your passengers if they exceed the at-fault driver’s coverage limits.

Cheap minimum liability insurance quotes in Addison

The minimum liability coverage requirements in Addison, Illinois, follow a 25/50/20 (plus 25/50) rule.

To put it simply, you'll need a policy that covers at least:

$25,000 of

bodily injury liability

coverage per person

$50,000 of bodily injury liability coverage per accident

$20,000 of

property damage liability

coverage per accident

$25,000 of UM/UIM bodily injury coverage per person

$50,000 of UM/UIM bodily injury coverage per accident

By sticking with the minimum required liability coverage, you’ll probably pay the lowest rates. Jerry helps Addison drivers find low rates for no-frills coverage.

Progressive

Julian (20 years old)

Coverage

State Minimum

Addison, IL
(Zip Code: 60101)

Volkswagen Jetta S

$145

per month

Safeco

Helena (33 years old)

Coverage

State Minimum

Addison, IL
(Zip Code: 60101)

Mazda CX-5 Grand Touring

$119

per month

Electric

Sadie (60 years old)

Coverage

State Minimum

Addison, IL
(Zip Code: 60101)

Ford Focus SE

$92

per month

Do you need more than minimum coverage in Addison?

In Addison, drivers should consider topping up their liability coverage beyond the state's minimum requirement of 25/50/20.

The state minimum coverage requirements provide a lot of protection, but medical and repair bills tend to add up.

If you cause a car accident and the injured party’s expenses exceed your coverage limits, you’ll have to pay the rest out of pocket. They also have the right to sue you in a personal injury lawsuit for up to two years after the accident, according to

Illinois’s car accident laws

The bottom line: Doubling your liability and UM/UIM coverage limits won’t double your rates, but it’ll provide better financial protection in the event of a serious car accident.

Cheap full coverage car insurance quotes in Addison

Full-coverage car insurance

isn't required by law, but it provides coverage for repairs to (or a replacement of) your vehicles.

A full coverage policy includes

collision coverage

and

comprehensive coverage

Collision insurance covers the costs of repairing or replacing your car following an accident with another vehicle or stationary object.

Comprehensive coverage also covers the costs of repairing or replacing your car but it only applies to damages caused by theft, vandalism, or natural disasters.

If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid off your car. You can cut costs by using Jerry to find the lowest full coverage car insurance rates in Addison.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$121	Edwin, 44 Zip: 60101	KIA RIO LX
• 50,000/100,000 Liability • Comp / Collision	Nationwide	$165	Stella, 31 Zip: 60101	Honda Civic SI
• State Minimum Liability • Comp / Collision	Electric	$92	Sadie, 60 Zip: 60101	Ford Focus SE

Last Updated Nov 16, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Average cost of car insurance in Addison

In helping hundreds of Addison drivers find cheaper rates, we found the average cost for minimum liability coverage to be $90 per month or $1,080 per year.

The average cost for full coverage insurance in Addison is $190 per month or $2,280 per year.

While the national average can give you an idea of potential insurance costs, individual insurance premiums are influenced by many factors. Car insurance rates are determined by your driver profile, driving record, and claims history, among other things.

Your actual costs could be hundreds of dollars higher than the average—or, if you use a quote-comparison app, hundreds of dollars less.

Compare car insurance costs in other states

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Car insurance quotes in Addison by rating factors

Insurance companies in Addison use many rating factors when

calculating your auto insurance premium

Your driving record and claims history: Accidents and tickets will increase your insurance rates.

Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.

Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.

Your parking spot: If you park your car in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.

Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.

How do different factors impact your car insurance costs in Addison?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Addison currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Addison:

Cheap car insurance quotes in Addison after driving violations

Your

Illinois driving record

plays a large role in deciding your car insurance rates. For one, the number of driver violation points on your driver’s license can add quite a few dollars to your monthly premiums.

Some car insurance companies will work with a high-risk driver profile, while others won't, particularly if you received a serious conviction for a DUI or

reckless driving in Illinois

Cheapest car insurance in Addison after DUI

If you’re charged with a

DUI in Illinois

, you could face consequences including:

Fine of up to $2,500

Jail sentence of up to one year

Driver’s license suspension of at least one year

Community service sentence of up to 100 hours

The penalties become more severe for subsequent DUI offenses.

On top of the legal consequences, you’ll also see significantly higher car insurance costs—but Jerry can help you find lower rates. Just look at some of the cheaper coverage these drivers found using the Jerry app.

Travelers

Lizzie (36 years old)

Coverage

State Minimum

Addison, IL
(Zip Code: 60101)

Ford Thunderbird

$60

per month

Nationwide

Katharine (42 years old)

Coverage

State Minimum

Addison, IL
(Zip Code: 60101)

Chrysler 300

$66

per month

Cheapest car insurance in Addison after an at-fault accident

If you need another reason to keep a

clean driving record

, keep in mind that high-risk drivers pay higher car insurance rates. Even multiple small, at-fault car accidents can add up to a significant price premium.

So if you’re wondering why your rates are so high, first check your

Illinois driving record

—and then download Jerry to compare quotes and find a better plan.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With No Injury	Progressive	$62	Jon, 24 Zip: 60101	Mazda 3 Grand Touring	• State Minimum Liability
At Fault With No Injury	Nationwide	$165	Devin, 30 Zip: 60101	Honda Civic SI	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 21, 2024

Cheapest car insurance in Addison after other driving violations

Most traffic violations increase your insurance rates, such as driving without a license, stunt driving, or

reckless driving in Illinois

. If you’re stuck with a ticket and unaffordable coverage, here’s where to look in Addison:

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Illegal Turn	Progressive	$77	Ernest, 33 Zip: 60101	Mini Cooper	• 100,000/300,000 Liability
Defective Equipment	Nationwide	$67	Rosetta, 30 Zip: 60101	Dodge RAM	• 50,000/100,000 Liability

Last Updated Nov 21, 2024

Cheap car insurance quotes in Addison by age

Car insurance rates start high, drop, and then rise again. Teen drivers pay more, middle-aged drivers pay less, and senior drivers pay more again—although not as much as when they were new to the road.

If you fall outside the ideal bracket for car insurance savings (25 to 75), here’s what you can do:

Cheapest car insurance in Addison for young drivers

Teen drivers between the ages of 16 and 19 are statistically more likely to get into an accident, so they pay the highest rates of any age group.

The best way to keep costs low for

young drivers

is to keep them on their parents’ policy for as long as possible—and shop with Jerry to find the most affordable coverage for teen drivers in Calumet Park.

Here are some recent rates given to young drivers in Illinois on Jerry.

Progressive

Julian (20 years old)

Coverage

State Minimum

Addison, IL
(Zip Code: 60101)

Volkswagen Jetta S

$145

per month

Cheapest car insurance in Addison for senior drivers

Senior drivers may be more likely to get into car accidents due to slowed reaction times and vision and hearing changes. They’re also more likely to be seriously injured if they do get into a collision. Because of that, insurance companies often charge higher rates for senior drivers.

To find the

best senior car insurance

, look for a company that rewards drivers for safe driving or keeping low mileage on their vehicles. Also, prioritize a company with good customer service.

With Jerry, not only can you safe on car insurance for seniors, but our expert customer service agents can help answer any questions you might have during the shopping process. The cards below show how much senior drivers pay each month for coverage with the Jerry app.

Nationwide

Anne (67 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Addison, IL
(Zip Code: 60101)

Porsche Macan

$68

per month

Progressive

Lucile (68 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Addison, IL
(Zip Code: 60101)

Volkswagen Jetta

$72

per month

Cheap car insurance quotes in Addison based on insurance history

Insurance providers consider you a high-risk driver if you drove without car insurance in the past, ie. you were an uninsured motorist. As you can guess, a

car insurance lapse can raise your insurance rates

With Jerry's automatic reminders, you can find a fresh start at a new company and remember your payments. You'll receive a detailed price comparison when it's time to renew so you can see if your current rates are still the most competitive in Addison.

Progressive

Duane (19 years old)

Currently Insured

Coverage

State Minimum

Addison, IL
(Zip Code: 60101)

Volkswagen Jetta S

$145

per month

Nationwide

Chester (30 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Addison, IL
(Zip Code: 60101)

Honda Civic SI

$165

per month

Safeco

Anne (32 years old)

Currently Insured

Coverage

State Minimum

Addison, IL
(Zip Code: 60101)

Mazda CX-5 Grand Touring

$119

per month

Travelers

Mabel (30 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Addison, IL
(Zip Code: 60101)

Honda Civic SI

$207

per month

Clearcover

Blanche (28 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Addison, IL
(Zip Code: 60101)

GMC Terrain SLT

$141

per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

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They have great pricing and coverage!

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Great insurance I've had so far great helpful employees

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Great coverage for a great price!

Jaime

Cheap car insurance quotes in Addison for drivers with poor credit

Making your payments on time is as important to auto insurance companies as driving safely. Even good drivers in Addison will see their insurance rates increase if their credit score is 550 or less.

Compared to their poor credit counterparts, Addison drivers with a high credit score pay almost 20% less for car insurance! However, you can make up the difference by shopping around with Jerry’s quick quote-comparing app.

Check out some real rates drivers in Illinois received after signing up with Jerry.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$145	Duane, 19 Zip: 60101	Volkswagen Jetta S	• State Minimum Liability
660 - 750	Electric	$92	Lina, 59 Zip: 60101	Ford Focus SE	• State Minimum Liability • Comp / Collision
660 - 750	Electric	$92	Minnie, 59 Zip: 60101	Ford Focus SE	• State Minimum Liability • Comp / Collision
550 - 659	Progressive	$121	Rosa, 43 Zip: 60101	KIA RIO LX	• State Minimum Liability • Comp / Collision

Last Updated Nov 20, 2024

Cheap car insurance quotes in Addison for popular cars

The type of car you drive helps determine your annual insurance premiums. A model with good safety ratings, driver-assistive technology, and vehicle anti-theft systems costs less to insure. If it’s cheap to repair, then so much the better!

Here are the five most popular models on Addison’s roads:

MORE:

How different kinds of cars affect your car insurance rates

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota RAV4	Progressive	$64	Paul, 41 Zip: 60101	• State Minimum Liability
Chevrolet Chevrolet_silverado	Safeco	$60	Rosetta, 30 Zip: 60101	• 100,000/300,000 Liability • Comp / Collision

Last Updated Nov 15, 2024

How to lower car insurance costs in Addison

1. Shop around and compare quotes

You can't get the best deal on auto insurance without comparing quotes from at least three different companies. Experts recommend comparison

shopping for car insurance quotes

every six months.

Take a look at the most competitive plans in five minutes or less with Jerry. Download the app, sign up, and get five to seven quotes delivered straight to your phone. It’s the best money you’ll never spend—because our five-star-rated app is free!

MORE:

How do I get multiple car insurance quotes at once?

Compare car insurance quotes now

2. Hunt for car insurance discounts

Getting the right

car insurance discount

can transform a good rate into a great one. You could save by joining a program for:

Good drivers. If you’ve held a

clean driving record

for at least three years, you’re due for some sweet discounts.

Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!

Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.

Insurance bundlers.

Bundle your car and home insurance

and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

Why is car insurance in Addison so expensive?

Congestion: Because driving in Addison incurs a higher risk of dents, dings, and cracked windows than driving in the countryside, insurance rates are higher, too.

Motor vehicle theft: Similar to congestion, high motor vehicle theft rates in Addison lead insurance providers to increase your premiums.

Fatality rates: Around one quarter of the fatal

car crashes in Illinois in 2021

happened on urban roads. Because of the high costs associated with motor vehicle fatalities, Addison drivers pay higher rates.

Learn more:

11 Ways to lower car insurance

FAQ

How much is car insurance in Addison?

People living in Addison pay on average $90 per month – or $1,080 per year – on state-minimum liability coverage. Full coverage in Addison costs on average $190 per month or $2,280 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Addison?

Based on thousands of Addison drivers Jerry has worked with, car insurance in Addison costs an average of $90 per month for state-minimum coverage and $190 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Addison?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Founders,

State Auto

, and

Travelers

receive good ratings from Addison drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.

What is the minimum car insurance in Addison, Illinois?

The state-minimum car insurance in Addison, Illinois is as follows:

$25,000 bodily injury liability per person

$50,000 bodily injury liability per accident

$20,000 property damage liability per accident

These coverages are commonly referred to as 25/50/20 coverage.

Additionally, Illinois drivers must also carry at least $25,000 per person / $50,000 per accident in uninsured/underinsured motorist coverage (UM/UIM).

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

Kianna Walpole

Expert Insurance Writer & Editor

Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.

Maria Cruz

Expert Insurance Writer & Editor

Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.