Cheap Car Insurance in Illinois 2019

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Cheapest Illinois auto insurance companies

Average Illinois car insurance premiums by company

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

Geico

$1,480

USAA

$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


Average Illinois auto insurance premiums

Insurance increase after a speeding ticket

Illinois drivers who got a speeding ticket see an average insurance increase of 22%, which is less than the national average.

State Clean driving record Speeding ticket % increase
Illinois $1,522/year $1,864/year 22%
Nationwide average 26%

Insurance increase after an accident

Illinois drivers who caused an accident got an average insurance increase of 27%, less than the national average.

State Clean driving record Chargeable accident, no injury % increase
Illinois $1,522/year $1,930/year 27%
Nationwide average 36%

Average auto insurance premiums in Illinois cities

City

Average annual premium

Alton

$1,719

Aurora

$1,457

Belleville

$1,539

Bloomington

$1,253

Bolingbrook

$1,653

Champaign

$1,419

Chicago

$1,635

Chicago Heights

$1,577

Decatur

$1,573

Des Plaines

$1,536

East Saint Louis

$1,766

Elgin

$1,618

Evanston

$1,456

Granite City

$1,532

Joliet

$1,462

Moline

$1,345

Naperville

$1,359

Oak Park

$1,726

Peoria

$1,509

Rockford

$1,514

Schaumburg

$1,336

Springfield

$1,400

Waukegan

$1,376


Illinois auto insurance requirements

You must show an insurance ID card (or other proof of financial responsibility) in Illinois when:

  • Law enforcement requests it.

Penalties for not having Illinois auto insurance

  • Operating a vehicle without insurance: business offense that carries a fine of $500 to $1,000, as well as a three-month license suspension.
  • Operating a vehicle with suspended registration for noninsurance: business offense for the first offense and a misdemeanor for subsequent offenses.
  • The penalty for any conviction for operating with a suspended-for-noninsurance registration is a fine of $1,000 to $2,000.
  • Use of counterfeit insurance cards is a Class 4 felony.
  • Submission of false proof requires suspension of registration for six months and a $200 reinstatement fee.
  • Operating a vehicle without insurance: petty offense that carries a fine of $500 to $1,000, except that a person convicted of a third or subsequent violation is guilty of a business offense, and is required to pay a fine of $1,000.

Source: Property Casualty Insurers Association of America

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Aug. 22, 2019

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