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Some of the most budget-friendly car insurance companies in Illinois include Auto-Owners, State Farm, and Progressive, among other providers.
Full-coverage car insurance in Illinois averages $154 per month, compared to the national benchmark of $186. As is the case in any state, your actual premium depends on many factors, including your age, driving history, and geographic location. Getting quotes from several insurers will always be the most effective approach to finding your best rates.
Here's our breakdown of Illinois's most affordable car insurance by coverage type, driver characteristics, and insurance company.
Affordable full-coverage car insurance in Illinois
Full-coverage insurance costs an average of $154 monthly in Illinois, compared to $186 nationwide. Among Illinois's cheapest car insurance providers, Auto-Owners, State Farm, and Progressive consistently offer competitive rates.
| Average monthly full coverage cost | |
| Illinois average | $154 |
| National average | $186 |
| Auto-Owners | $77 |
| State Farm | $83 |
| Progressive | $119 |
| Erie | $127 |
Affordable liability-only car insurance in Illinois
For drivers seeking the most affordable liability-only car insurance policies in Illinois, Auto-Owners, State Farm, and Progressive stand out as top choices.
Liability-only coverage in Illinois costs $80 monthly on average, while the national figure sits at $104.
| Average monthly liability-only cost | |
| Illinois average | $80 |
| National average | $104 |
| Auto-Owners | $49 |
| State Farm | $53 |
| Progressive | $57 |
| Direct Auto | $71 |
Cheap car insurance in Illinois by age
Age significantly impacts insurance costs across all demographics. Car insurance for teens in Illinois carries the highest premiums, averaging $327 per month. Teens pay more for car insurance in most states due to their limited driving experience.
Rates typically decline as drivers enter their 20s, averaging $213 per month in Illinois. Premiums decrease through the 30s and 40s, with monthly costs around $166 and $158, respectively.
Premiums may increase again for drivers reaching their 60s and beyond. Illinois seniors typically pay $130 monthly in their 60s and $132 in their 70s.
These age-related premium variations reflect different risk assessments for each demographic, with younger drivers considered higher risk and senior drivers sometimes facing increased rates due to health-related factors and changing driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $327 | $170 |
| 20s | $213 | $111 |
| 30s | $166 | $86 |
| 40s | $158 | $82 |
| 50s | $137 | $71 |
| 60s | $130 | $67 |
| 70s | $132 | $68 |
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Cheap car insurance in Illinois for high-risk drivers
Drivers with violations or accidents on their records typically face higher insurance premiums in most states, including Illinois. Below are Illinois' average costs for motorists with accidents, speeding violations, or DUI convictions. Then, see which insurance companies offer the best car insurance rates for drivers with poor driving records in this state.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $202 | $105 |
| Speeding ticket | $186 | $97 |
| DUI | $249 | $129 |
Compare low-cost car insurance after an accident
For Illinois drivers with accident histories, Auto-Owners, State Farm, and GEICO provide some of the most competitive car insurance rates. Full-coverage premiums for drivers with accidents average $202 monthly in this state.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $98 | $63 |
| State Farm | $107 | $68 |
| GEICO | $153 | $98 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Illinois motorists with speeding violations can find affordable coverage through Auto-Owners, State Farm, and Progressive. For full coverage insurance with a speeding ticket, you'll pay an average of $186 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $95 | $60 |
| State Farm | $101 | $64 |
| Progressive | $143 | $69 |
Compare low-cost car insurance after DUI conviction
Illinois drivers with DUI records can secure lower premiums on full coverage through Auto-Owners, State Farm, and Progressive. Full coverage rates for DUI drivers average $249 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $120 | $76 |
| State Farm | $129 | $82 |
| Progressive | $191 | $92 |
Cheap car insurance in Illinois by credit score
Illinois drivers with excellent credit pay a monthly average of $131. Drivers with poor credit face significantly higher costs, with premiums averaging $193 per month.
Rate disparities reflect how credit history influences insurance pricing. Across the country, poor credit typically leads to elevated premiums due to statistical correlations with higher claims frequency in states that allow insurance companies to factor credit scores into rate decisions. Illinois is one of those states.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $131 | $68 |
| Good | $153 | $79 |
| Average | $160 | $83 |
| Poor | $193 | $100 |
FAQs
What are the minimum car insurance requirements for Illinois?
Illinois requires both liability insurance and uninsured motorist coverage, which isn't mandated in all states. The state has a 25/50/20 minimum requirement, which translates to $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $20,000 in property damage coverage. The state also mandates a minimum of $25,000/$50,000 (per person/per accident) uninsured motorist coverage.
What happens if I'm caught driving without insurance in Illinois?
Illinois enforces insurance compliance through random vehicle registration checks, where selected drivers must prove coverage via a questionnaire. Repeatedly driving without insurance could result in fines up to $1,000, license and registration suspension for up to four months, and being charged a $100 reinstatement fee. You'll also need to file an SR-22 certificate proving financial responsibility for up to three years, which typically increases your insurance costs significantly.
How does Illinois' no-fault insurance system work for uninsured motorist claims?
Illinois isn't technically no-fault state, but its required uninsured motorist (UM) coverage provides similar protection. If you're hit by an uninsured driver, your own UM coverage pays for medical expenses and lost wages up to your policy limits, regardless of fault. This requirement exists because Illinois has an above-average percentage of uninsured drivers.
Bottom line
These companies may represent Illinois's most affordable options, but they might not offer the lowest rates for your unique insurance requirements. Your best strategy involves obtaining quotes from multiple providers and comparing them on both cost and service quality.
Data throughout provided by Insurify.
Average rate:
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