INSURANCE - CAR INSURANCE

Best Car Insurance in Illinois for 2024

Updated Nov. 20, 2023
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State Farm generally has the most affordable full coverage car insurance in Illinois.

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Chicago, Illinois, is the starting point of the famed Route 66. But the iconic route isn’t the only thing that makes Illinois worth a road trip. Between scenic drives and roadside attractions, the Land of Lincoln has much to offer. It also has lower car insurance premiums than many other states if you know where to look.

In this article

Key takeaways

  • The best car insurance in Illinois by customer satisfaction ranking is USAA, which costs $1,177 annually for comprehensive coverage.
  • Drivers with a clean driving record pay an average of $126 monthly in Illinois.
  • Young drivers in Illinois will pay an annual average of $4,210 for full coverage.

Best car insurance companies in Illinois

Car insurance in Illinois averages $1,516 a year for full coverage. State Farm is the lowest-cost carrier on our Illinois list, averaging $992 a year for full coverage and $407 for minimum coverage. Regional carrier Erie Insurance is second, averaging an annual cost of $1,010 for full coverage and $459 for minimum coverage.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 878/1,000 $1,177/year $487/year
Erie 844/1,000 $1,010/year $459/year
State Farm 837/1,000 $992/year $407/year
GEICO 831/1,000 $1,257/year $645/year
Allstate 822/1,000 $1,998/year $875/year
Nationwide 821/1,000 $1,597/year $780/year
Travelers 806/1,000 $1,214/year $601/year

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USAA: Highest customer satisfaction

USAA earned the highest customer satisfaction rating in Illinois, an 878 out of 1,000, but it was not the most affordable coverage in the state. USAA costs an average of $1,177 yearly in Illinois, and its policies are only available to current and former military members and their families. If you qualify, USAA offers standard and specialty policies, though you may find more specialty options with a competitor.

Pros
  •  USAA had the highest customer satisfaction score in Illinois
  •  It has multiple discounts for active and former military, including a 10% Legacy Discount
Cons
  •  USAA policies are not available to everyone
  •  There are cheaper options available in Illinois

Get a quote now | USAA review

Erie: Best for ease of use

Erie Insurance offers Illinois’s second-most affordable full and minimum liability coverage after State Farm. It also received the second-highest customer satisfaction ranking. Among its many policies and features, Erie offers roadside coverage for only $5 per vehicle per year when you buy comprehensive or collision coverage.

Pros
  •  Erie has multiple agencies in Illinois
  •  It has many traditional and specialty options, including glass repair and personal item coverage
Cons
  •  Erie doesn’t have as many discounts as some competitors
  •  You may find cheaper full-coverage insurance with a competitor

Get a quote now | Erie review

State Farm: Most affordable coverage

State Farm is Illinois’s lowest-cost option for full and minimum coverage car insurance. Drivers who use State Farm pay an average of $992 yearly for full coverage and just $407 for the state’s minimum coverage. However, even though State Farm had the most affordable policies, it ranked third in customer satisfaction.

Pros
  •  Finding a State Farm agent in Illinois is easy
  •  It has many discount options, including new vehicle and multi-policy
Cons
  •  State Farm does not offer some policies like gap insurance

Get a quote now | State Farm review

GEICO: Best for senior drivers

In Illinois, senior drivers pay an average of $1,422 yearly for car insurance. Although GEICO was one of the more expensive options on our list of the best car insurance companies, averaging a yearly total of $1,257 for full coverage, it offers additional discounts for seniors who qualify. However, it only earned average customer satisfaction ratings in Illinois.

Pros
  •  GEICO has a guaranteed renewal program for drivers over 50
  •  Seniors may qualify for an additional discount if they take a defensive driving course
Cons
  •  GEICO earned only average customer satisfaction scores in Illinois
  •  It was one of the more expensive options for full and minimum car insurance

Get a quote now | GEICO review

Nationwide: Best for coverage options

Nationwide is the second most expensive Illinois coverage on our list. It costs $1,597 yearly for full coverage and $780 for minimum coverage. Its policy options include standard coverages, but it also has gap insurance and accident forgiveness. Nationwide also has loyalty perks for customers, like fender bender forgiveness.

Pros
  •  Nationwide has popular coverage options, including vanishing deductibles
  •  It offers perks to drivers, including pet insurance and key fob replacement
Cons
  •  Nationwide is the second most expensive full and minimum coverage in Illinois
  •  It had the second-lowest customer satisfaction rating on our list

Get a quote now | Nationwide review

Illinois auto insurance requirements

In Illinois, drivers must carry car insurance with minimum coverages of:

  • $25,000 for the injury or death of one person in a crash
  • $50,000 for the injury or death of more than one person in a crash
  • $20,000 in property damage liability

How to choose a car insurance provider in Illinois

When you’re looking for a new car insurance provider, keep the following in mind to help you find the best deal:

  • Check pricing and discounts: Request quotes from multiple companies. Compare pricing and discounts and ensure the policy amounts and coverage options are similar for an accurate comparison.
  • Check financial stability: Before signing up with an insurance company, check its financial stability on a website like Standard & Poors or AM Best. It’s also wise to check with the Illinois Department of Insurance or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed to do business in Illinois.
  • Ask for reviews: Check review websites like the Better Business Bureau to see what existing customers say. Ask friends and family for recommendations and avoid companies that were difficult to work with after an accident.

How much does car insurance cost in Illinois?

The average cost of car insurance in Illinois is $1,516 annually for full coverage and $627 for the state minimum coverage. Unsurprisingly, drivers in Chicago pay the most for car insurance, an average of $1,995 a year for full coverage. Springfield drivers pay the least, an average of $1,441 a year.

Illinois car insurance rates by city

The amount you pay for car insurance can vary based on the crime rates where you live. According to NeighborhoodScout, Naperville is safer than 83% of neighborhoods in the U.S., and it has the second-lowest average car insurance in Illinois, just $1,469 a year for full coverage.

According to the same site, Chicago, which has the state’s most expensive car insurance rates, is only safer than nine percent of U.S. neighborhoods.

City Avg. annual full-coverage premium
Chicago$1,995/year
Elgin $1,581/year
Aurora $1,520/year
Rockford $1,485/year
Naperville $1,469/year
Springfield $1,441/year

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Illinois

What are the minimum car insurance coverage requirements in Illinois?

The minimum car insurance coverage requirements in Illinois are $25,000 for the injury or death of one person in a crash and $50,000 for the injury or death of more than one person. Drivers must also maintain $20,000 in property damage liability coverage. 

How much does car insurance cost in Illinois?

Car insurance in Illinois costs an average of $1,516 per year for full coverage and $627 annually for minimum coverage. 

Which car insurance companies cover Illinois?

Several national car insurance providers cover Illinois, including State Farm, GEICO, USAA, Nationwide, Allstate, Travelers, and regional carrier Erie Insurance.

What is the cheapest car insurance company in Illinois?

State Farm offers the cheapest car insurance in Illinois, with an average annual cost of $992 for full coverage and $407 for minimum coverage.

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.