Cheap Car Insurance in Illinois
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Finding cheap car insurance in Illinois isn’t just about getting the lowest price. It’s about balancing affordability with the right protection for your needs. You want to feel confident on the road, knowing your car is covered without draining your bank account. But the truth is, car insurance rates vary widely, depending on where you live in Illinois.
Below, we’ll help you understand current premium averages, who offers the most affordable car insurance in Illinois, and practical strategies to help you all lower your car insurance costs. Whether you're looking for minimum coverage to meet legal requirements or full coverage for peace of mind, you’ll walk away better prepared to find cheap auto insurance in Illinois that fits your budget.
Current Average Car Insurance Rates in Illinois
On average, Illinois drivers pay less for car insurance compared to many other states. In 2025, the average annual premium for full coverage in Illinois is around $1,997, which is lower than the national average of $2,878 annually. Minimum coverage is typically much lower, often around $1,133 annually, compared to the national average of $1,545 per year.
Of course, rates vary based on your ZIP code, age, driving history, credit score, vehicle type, and more. Urban areas like Chicago usually carry higher premiums, while rural communities tend to see lower rates.
Whether you're buying a new car or just shopping for insurance before your Illinois car registration renewal, one of the best ways to ensure you're getting the lowest rate is to compare prices among top providers in the state.
Cheapest Car Insurance Companies in Illinois
Always remember that car insurers set their own rates, so a breakdown of the most affordable car insurance providers in Illinois can help you make an informed decision.
Below, we list the average full coverage rates of some of the cheapest insurance companies in Illinois. These rates will vary based on your situation, but they’re a strong starting point for comparison shopping.
| Company (click for reviews) | Average Annual Premiums in Illinois |
|---|---|
| American National | $1,256 |
| Erie Insurance | $1,275 |
| Travelers Insurance | $1,348 |
| American Alliance | $1,367 |
| Auto-Owners Insurance | $1,411 |
| 21st Century Insurance | $1,435 |
| American Family Insurance | $1,448 |
| AAA Insurance/Auto Club | $1,463 |
| USAA (military families only) | $1,522 |
| The Hartford | $1,532 |
| State Farm | $1,536 |
| COUNTRY Financial | $1,542 |
| Allied | $1,573 |
| Esurance | $1,587 |
| Farmers Insurance | $1,592 |
| Allstate | $1,597 |
| Progressive | $1,605 |
| Safeco | $1,620 |
| MetLife | $1,620 |
| The General | $1,652 |
| Liberty Mutual | $1,654 |
| Nationwide Insurance | $1,667 |
Let’s break these down based on coverage needs.
Best for Minimum Coverage
- American National ($1,256): Consistently the lowest average premiums for basic coverage.
- Erie Insurance ($1,275): Known for customer satisfaction and low premiums.
- 21st Century Insurance ($1,435): Great for good drivers with few claims.
Minimum liability coverage may work for older vehicles or drivers with tight budgets, but it won’t cover your own repairs after an accident.
Best for Full Coverage
- Travelers Insurance ($1,348) – Offers strong full-coverage policies and bundling options.
- Auto-Owners Insurance ($1,411) – Great service with customizable policies.
- American Family Insurance ($1,448) – Good mix of affordability and flexibility for families.
While full coverage costs more, it can save you thousands in repair bills or lawsuits after an accident.
How to Save on Car Insurance in Illinois
Even with rising premiums across the country, there are plenty of ways you can save on affordable auto insurance in Illinois:
- Bundle policies: Insure your home and auto together for a multi-policy discount.
- Raise your deductible: Increasing your deductible — the amount you pay out of pocket for repairs — can significantly lower your premium.
- Pay annually or semi-annually: Avoid installment fees by paying the full premium upfront instead of monthly or quarterly.
- Ask about discounts: Safe driver, student, military, low mileage, and defensive driving course discounts can all add up.
- Use telematics: Many insurers offer usage-based programs that reward careful driving.
Also, make sure your car is appropriately registered to ensure you get the best rates. If you need to renew or replace your registration, check our guide on Illinois registration renewal and replacement.
Compare Quotes to Find the Best Rates for You
No two drivers are the same, and the only way you’ll know which company offers cheap car insurance quotes in Illinois for your situation is to shop around. We recommend:
- Getting at least 3–5 quotes
- Comparing coverage types and limits, not just prices
- Reviewing customer service reviews and claims satisfaction ratings
Illinois has numerous insurers for you to choose from, and rates can vary by hundreds of dollars a year for the same coverage. Doing a full comparison of identical policy offerings is the best way to ensure you get the best price for the coverage you need. Everquote is here to help you find and compare multiple car insurance quotes in one place.
Always keep in mind that the cheapest insurance may not be the best. Always find a balance between cost, customer service, online ratings, financial stability, and coverage options when shopping.
FAQs
What is the cheapest car insurance in Illinois?
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.