Car Insurance Quotes Illinois

By | September 27, 2025
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Car Insurance Quotes Illinois

Car Insurance Quotes Illinois

Getting cheap car insurance in Illinois does not need to be difficult; with online tools and platforms, getting car insurance has become very easy in minutes. On average, Illinois drivers pay about $983 for a six-month full coverage policy, which is nearly 9% lower than the national average. This makes the Prairie State one of the cheapest places to insure your vehicle, but rates can still vary widely depending on factors like your driving history, coverage needs and location.

For the 48% of drivers in Illinois who feel they are overpaying, comparing quotes is the key to saving money. For those who only need liability coverage, GEICO consistently offers some of the lowest rates in the state. On the other hand, if you are looking for cheap full coverage, Travelers often provides the most competitive premiums without sacrificing essential protection.

If you are searching for a solid balance between affordability and customer service, State Farm is worth considering, especially for liability-only policies. With so many options available, shopping around and requesting multiple car insurance quotes in Illinois ensures that you will find coverage tailored to your budget and needs. Whether you live in Chicago, Springfield, or a smaller town, comparing providers is the smartest way to lock in the best rate.

How Much Is Average Car Insurance in Illinois Per Month

  • On average, drivers in Illinois pay about $165 per month for a full coverage policy, which adds up to roughly $1,990 per year. For those who choose liability-only coverage, the average cost is much lower at around $56 per month, or about $670 annually.

This big difference highlights why many budget-conscious drivers in Illinois consider liability-only insurance. However, full coverage provides broader protection for both you and your vehicle, which may be worth the extra cost depending on your driving needs.

What Is the Minimum Car Liability Insurance in Illinois?

In Illinois, drivers are required to carry minimum liability insurance to legally operate a vehicle. The state’s coverage requirements are commonly written as 25/50/20, which breaks down as follows:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $20,000 for property damage per accident

These limits provide basic financial protection if you cause an accident, covering injuries to others and damage to their property. However, keep in mind that the state minimum may not be enough to cover all costs in a serious accident. Many drivers choose higher coverage limits for added peace of mind.

Car Insurance Quotes in Illinois

Below are the cheapest quotes for car insurance from different providers:

Cheapest Full Coverage in Illinois- Travelers:

  • Travelers offers the most affordable full coverage car insurance in Illinois, averaging $88 per month.
  • This makes it a great option for drivers who want broad protection at a lower cost.

Cheapest Liability Coverage in Illinois – GEICO:

  • For drivers looking for the lowest-cost liability insurance, GEICO leads the way with rates starting at just $37 per month.

Best Customer Service in Illinois – ERIE:

  • Erie Insurance is recognised as one of the best for customer satisfaction, scoring 710 out of 1,000 in J.D. Power’s 2024 Auto Insurance Study.
  • For those eligible, USAA also ranks among the top carriers for service quality.

Best Overall Car Insurance in Illinois- 

  • After analysing customer reviews, J.D. Power ratings, and financial strength scores from AM Best, Erie Insurance was named the best overall auto insurance provider for Illinois drivers.

Cheapest Car Insurance Liability Quotes In Illinois

The average cost of liability-only car insurance in Illinois is about $335 for a 6-month policy. For our sample driver profile, GEICO, Travelers, and Erie came out as the cheapest providers.

Liability-only insurance is much more affordable than full coverage since it only covers damages or injuries you cause to others. It does not protect your own car or medical costs, so while it’s budget-friendly, it can leave you financially exposed after an accident.

Cheapest Liability Coverage in Illinois:

  • GEICO: $224 for 6 months ($37/month)
  • Travelers: $238 for 6 months ($40/month)
  • Erie: $256 for 6 months ($43/month)
  • USAA: $318 for 6 months ($53/month)
  • Progressive: $365 for 6 months ($61/month)
  • State Farm: $366 for 6 months ($61/month)
  • Allstate: $446 for 6 months ($74/month)

Cheap Full Coverage Insurance Quotes in Illinois

In Illinois, the average cost of a six-month full coverage policy is about $983. Interestingly, about 60% of drivers in the state choose full coverage over minimum liability, mainly because it offers broader protection for both you and your vehicle.

While full coverage is more expensive, it can save you significant money after an accident or theft. To get the best deal, start by checking Travelers, GEICO, and Erie, which consistently rank among the most affordable options in Illinois.

Full Coverage Quotes in Illinois:

  • Travelers: $531 for 6 months ($88/month)
  • GEICO: $729 for 6 months ($121/month)
  • Erie: $773 for 6 months ($129/month)
  • USAA: $945 for 6 months ($157/month)
  • Progressive: $1,021 for 6 months ($170/month)
  • State Farm: $1,102 for 6 months ($184/month)
  • Allstate:  $1,379 for 6 months ($230/month)

Car Insurance Quotes In Popular Illinois Cities

Where you live in Illinois has a big impact on your auto insurance rate. Larger cities, like Chicago, often have higher premiums because of factors such as heavy traffic, higher accident rates, and increased risk of theft or vandalism. On the other hand, smaller or suburban areas generally see lower average costs.

Below is a look at the average six-month premiums in some of Illinois’s biggest cities:

  • Naperville: $921 for 6 months ($154/month)
  • Aurora: $936 for 6 months ($156/month)
  • Rockford: $979 for 6 months ($163/month)
  • Joliet: $1,026 for 6 months ($171/month)
  • Chicago: $1,420 for 6 months ($237/month)

As expected, Chicago drivers pay the highest rates, nearly $500 more every six months compared to drivers in Naperville.

Cheap Car Insurance for Teens and Young Drivers in Illinois

Car insurance for young drivers is notoriously expensive. Drivers between 16 and 25 years old pay some of the highest rates, with teens aged 16–19 facing the steepest costs. This is because insurers view new and inexperienced drivers as a higher risk on the road.

In Illinois, the numbers reflect this reality. Teen drivers pay an average of $3,059 for a six-month policy, which is still $206 less than the national average but more than triple the cost for the average Illinois driver.

Cheapest Car Insurance Quotes for Young Drivers in Illinois:

  • Erie: $1,702 for 6 months ($284/month)
  • Travelers: $1,906 for 6 months ($318/month)
  • GEICO: $2,235 for 6 months ($372/month)
  • USAA: $3,084 for 6 months ($514/month)
  • Progressive: $3,410 for 6 months ($568/month)
  • Allstate: $3,651 for 6 months ($609/month)
  • State Farm: $4,218 for 6 months ($703/month)

Among these, Erie and Travelers consistently offer the lowest rates for young drivers in Illinois.

Illinois Car Insurance Quotes After an Accident or Ticket

Your driving history plays a major role in determining your car insurance rates. In Illinois, a recent at-fault accident can raise your premium by as much as 45%, since insurers view you as a higher-risk driver. Even a single speeding ticket or moving violation can cause a noticeable jump in your rates.

If you have had an accident, it is still possible to find affordable coverage by comparing quotes. Here are the average six-month premiums from top insurers in Illinois after an at-fault accident:

  • Travelers: $703 for 6 months ($117/month)
  • Erie: $1,045 for 6 months ($174/month)
  • GEICO: $1,130 for 6 months ($188/month)
  • USAA: $1,369 for 6 months ($228/month)
  • State Farm: $1,462 for 6 months ($244/month)
  • Progressive: $1,531 for 6 months ($255/month)
  • Allstate: $2,165 for 6 months ($361/month)

Among major providers, Travelers is the cheapest option for Illinois drivers after an accident, offering rates far below competitors like Allstate and Progressive.

Finding the right car insurance in Illinois comes down to balancing cost, coverage, and customer service. On average, drivers pay about $165 per month for full coverage or $56 per month for liability-only, but your exact rate will depend on factors like your driving record, age, location, and vehicle type. Companies such as Travelers, GEICO, and Erie consistently rank among the most affordable, while Erie also stands out for its customer service.

Whether you live in Chicago, Naperville, or a smaller city, comparing car insurance quotes in Illinois is the best way to secure a policy that fits both your budget and your needs. Start by exploring top providers, checking for discounts, and adjusting your coverage limits to find the most value.