Cheap Car Insurance in Illinois 2019

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Finding cheap Illinois car insurance

If you're looking for cheap car insurance in Illinois, we're here to help. We've compiled average premiums in Illinois by company and town so you can see how prices stack up.

Sections:

  Illinois insurance vs. the U.S. average
  Average Illinois premiums by company
  Insurance increases after a speeding ticket
  Insurance increases after an accident
  Average premiums for Illinois cities
  Find cheap Illinois auto insurance

Illinois insurance vs. the U.S. average

Average insurance premiums paid by Illinois drivers with good records are lower than the national average:

  • $1,522/year Illinois average.
  • $1,684/year national average.

Average Illinois 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

Insurance increases in Illinois 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 increase.

State Annual premium with clean driving record Annual premium with speeding ticket % increase
Illinois $1,522 $1,864 22%
Nationwide average 26%

Insurance increases in Illinois after an accident

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

State Annual premium with clean driving record Annual premium with an chargeable accident, no injury % increase
Illinois $1,522 $1,930 27%
Nationwide average 36%

Average 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

How to find cheap Illinois auto insurance

  • Compare auto insurance quotes from multiple insurance companies to find the best price.
  • Keep a clean driving record with no accidents, tickets or insurance claims.
  • Ask your insurance agent to review the available car insurance discounts.
  • Increase the deductible on comprehensive and collision coverage, if you buy them.
  • Buy renters or homeowners insurance from your auto insurance company to get a discount for "bundling."
  • If you're buying a car, ask your agent to run quotes for the cars you're considering so you're not surprised by the insurance bill later.

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 Feb. 21, 2019

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