Cheap Car Insurance in Illinois

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Finding cheap car insurance in Illinois

An important key to finding cheap car insurance in Illinois is comparison shopping. Because rates can vary considerably among insurers, you can potentially save hundreds of dollars a year by comparison shopping. Quotes are free and easy to get, so it's a good use of time.

How much do rates vary? We looked at premiums reported by EverQuote users in Illinois for large insurance companies. The prices below reflect rates for one driver with a clean record insuring one vehicle.

Company (click to see review) Average monthly premium
AAA Insurance $100.50
American Family $106
COUNTRY Financial $108.50
Geico $110
The Hartford $111
State Farm $113
Allstate $117
USAA $119.50
Farmers $120
Esurance $123
Liberty Mutual $123
Progressive $124
Source: EverQuote. See full methodology below.

Also keep in mind that the cheapest car insurance company in Illinois for you when you have a good driving record might not be the cheapest if you have tickets, accidents or claims.

Recent auto insurance rate changes approved by Illinois

Car insurance companies must file proposed rate increases and decreases with the state. Below are changes recently approved by the Illinois department of insurance. These rate changes may not affect all customers in the state. If you are, you'll get a notice at renewal time from your insurer. The effective dates below indicate when the rate change will begin rolling out.

Company Effective date Rate change % 

(   ) = decrease

Privilege Underwriters Reciprocal Exchange 10/27/18 3.000
Grinnell Select Insurance Co. 10/1/18 3.400
Grinnell Mutual Reinsurance Co. 10/1/18 4.400
Erie Insurance Co.,

Erie Insurance Exchange

8/1/18 3.000
Rockford Mutual Insurance Co. 7/1/18 7.455
American Family Insurance Co. 7/1/18 9.000
Crestbrook Insurance Co. 6/15/18 23.000
The Insurance Co. of the State of Pennsylvania 6/15/18 19.900
Madison Mutual Insurance Co. 6/1/18 3.050
American Alliance Casualty Co. 6/1/18 3.740
Unique Insurance Co. 6/1/18 1.960
Columbia Mutual Insurance Co. 6/1/18 6.960
Pharmacists Mutual Insurance Co. 6/1/18 6.800
Iowa Mutual Insurance Co. 6/1/18 7.000
Automobile Club Inter-Insurance Exchange 6/1/18 6.000
The Cincinnati Insurance Co. 6/1/18 6.700
Elephant Insurance Co. 5/23/18 3.000
American Heartland Insurance Co. 5/22/18 0.500
IDS Property Casualty Insurance Co. 5/19/18 4.700
Esurance Property and Casualty Insurance Co. 5/16/18 3.200
First Chicago Insurance Co. 5/15/18 3.000
American Freedom Insurance Co. 5/13/18 0.087
National General Insurance Co. 5/11/18 18.300
Direct Auto Insurance Co. 5/7/18 2.540
Founders Insurance Co. 5/1/18 7.900
Founders Insurance Co. 5/1/18 7.000
Farmers Mutual Hail Insurance Co. of Iowa 5/1/18 2.700
Lighthouse Casualty Co. 5/1/18 (3.270)
Unique Insurance Co. 5/1/18 (1.280)
Auto Club Insurance Association 5/1/18 5.000
Wadena Insurance Co. 5/1/18 1.400
Source: S&P Global Market Intelligence

Illinois car insurance rates after accidents & speeding tickets

We also looked at premiums reported by EverQuote users in Illinois who had an accident or speeding ticket on their records compared to those with clean records. The differences show how keeping your driving record clean can hold your rates down.

On driving record Average monthly premium difference vs. clean record in Illinois
Speeding ticket 26%
Accident 32%
Source: EverQuote. See full methodology below.

Remember that just because you have a spotty driving record doesn't mean you can't potentially get a better price by shopping around.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Illinois drivers are speeding and using their phones while driving.

Illinois car insurance rates by city

We analyzed Illinois car insurance rates reported by EverQuote users in various cities. Drivers in Rockford reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Rockford $110
Springfield $110.50
Aurora $111
Peoria $117
Chicago $124
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Illinois

You'll typically get the best rates by comparing prices among multiple insurance companies and keeping a clean driving record.

Other ways to save include:

  • Ask your insurance agent to review the available car insurance discounts.
  • Find out how much you can save by raising the deductible on comprehensive and collision coverage, if you buy them. 
  • Improve your credit because drivers with poor credit usually pay more. That's because many insurers use a credit-based insurance score when setting rates.
  • If you have a young driver who's a good student, ask about a good student discount.
  • If you've reduced your commute, ask if there's a low-mileage discount.
  • Don't buy a car that's expensive to insure, such as a sports car. See the cheapest cars to insure.

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 29, 2018

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