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According to data from the Federal Highway Administration, there were 8,514,644 licensed drivers in Illinois in 2016. Most of those licensed drivers need car insurance, and it can be a tricky industry to navigate. According to a study done by Quadrant Information Services on behalf of U.S. News, the national average annual rate for auto insurance is $3,953, though that doesn’t mean drivers in Illinois should expect to pay that figure. There are many factors involved in calculating car insurance costs, such as age and gender, marital status, your driving record, and whether you live in an urban or a rural area. Keep reading to learn how to shop for and find the best available car insurance rates in Illinois.

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Average Annual Car Insurance Rates in Illinois

Company

Average Rate

Liberty Mutual

$2,277.65

State Farm

$2,344.88

Travelers

$2,499.76

USAA

$2,770.21

Geico

$2,779.16

Nationwide

$3,032.19

Progressive

$3,536.65

American Family

$3,815.31

Farmers

$4,605.20

Allstate

$5,204.41

How We Found the Cheapest Car Insurance in Illinois

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations. The rates shown here are for comparative purposes only. Individual rates will differ.

How Much Does Car Insurance Cost in Illinois?

Our survey sheds some light on how consumers in Illinois should budget for auto insurance. This information reveals how rates differ among the state’s 10 largest auto insurance companies based on customers’ age and marital status, annual miles driven, driving habits, and location within the state.

Of the 10 companies in the study, Allstate had the highest average annual rates in Illinois by far, at $5,204. From there, it’s quite a drop to the next-highest rates: Farmers, at $4,605. American Family’s average rate of $3,815 represents another considerable drop in cost. After Progressive, at $3,537, the price differences between companies become a lot smaller. There’s Nationwide ($3,032), Geico ($2,779), USAA ($2,770), Travelers ($2,499), State Farm ($2,345), and finally Liberty Mutual ($2,278).

Of the age groups represented in the study, married 60-year-old women and men can usually expect to pay the lowest car insurance rates in Illinois. There are a few exceptions, however. Allstate charged lower average rates to married 35-year-old women and men, and Geico customers may find that married 35-year-old women and men pay lower average rates than married 60-year-old men but higher rates than married 60-year-old women. The study also revealed that women paid lower average auto insurance rates than men of the same age and marital status, though there were a few exceptions for certain auto insurance companies and age brackets.

In general, married 35-year-old men and women pay the second-lowest average rates. In most cases, women in this group pay lower rates than men, except with Progressive. In general, though, the average rates charged to these two groups differ by about a hundred dollars, and in some cases the difference is much less than that.

Single 25-year-old women and men are the next group examined by the study. This group pays higher average rates than married women and men in the 35- and 60-year-old age groups. Here, women pay lower rates than men across the board with every insurance company except Geico, which charges about $20 less to the men in this age bracket. In cases where women pay lower average rates than men, the difference ranges from about $80 (Liberty Mutual) to almost $700 (American Family).

Every major insurance company in Illinois charges the highest average rates to single 17-year-old women and men, which follows the nationwide industry standards. Every insurance company in the study charged higher average rates to the men in this group than to the women. With Geico, the difference is only about $265, but almost every other company in the study charged upward of a thousand dollars more to the men in this age group, with American Family and Allstate being the most egregious examples. American Family charged an average of $6,697 to single 17-year-old women and $9,290 to single 17-year-old men. Allstate’s rates were $8,587 for women in this age group and $11,163 for the men. State Farm had the lowest rates for women in this age group, at $4,266.37, while Liberty Mutual was the least expensive for men, at $5,165.

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Average Annual Car Insurance Rates in Illinois Based on Age

Company

Single 17-year-old female

Single 17-year-old male

Single 25-year-old female

Single 25-year-old male

Married 35-year-old female

Married 35-year-old male

Married 60-year-old female

Married 60-year-old male

Allstate

$8,587.42

$11,163.04

$3,988.98

$4,310.43

$3,318.59

$3,333.77

$3,466.54

$3,466.54

American Family

$6,696.76

$9,289.92

$2,374.98

$3,063.04

$2,374.98

$2,374.98

$2,173.90

$2,173.90

Farmers

$10,590.04

$11,039.92

$2,818.07

$2,946.42

$2,469.28

$2,470.18

$2,190.60

$2,317.10

Geico

$5,449.56

$5,715.28

$2,077.83

$2,054.40

$1,697.57

$1,718.52

$1,621.63

$1,898.44

Liberty Mutual

$4,643.68

$5,165.04

$1,467.74

$1,547.57

$1,405.17

$1,516.82

$1,168.69

$1,306.49

Nationwide

$5,308.69

$6,815.00

$2,251.23

$2,438.60

$1,933.52

$1,967.48

$1,720.26

$1,822.70

Progressive

$7,385.47

$8,292.80

$2,459.35

$2,657.43

$2,063.16

$1,952.60

$1,701.63

$1,780.80

State Farm

$4,266.37

$5,407.56

$1,651.65

$1,897.54

$1,461.07

$1,461.07

$1,306.90

$1,306.90

Travelers

$4,578.33

$5,745.24

$1,677.15

$1,766.56

$1,581.62

$1,668.73

$1,442.58

$1,537.86

USAA

$5,340.67

$5,889.25

$2,172.56

$2,387.27

$1,649.42

$1,678.15

$1,533.92

$1,510.38

The next factor in our study is annual mileage. The study compared the average rates of those who drove 6,000 miles annually and those who travelled 12,000 miles annually. It turns out that there isn't a big difference in rates between these two groups of Illinois drivers. Five of the 10 major insurance companies in the study (Allstate, Farmers, Liberty Mutual, Nationwide, and Progressive) showed the same average rates for both groups. Of the five companies that charged higher rates to customers who drove more (American Family, Geico, State Farm, Travelers, and USAA) those rates only differed by about $100 to $200.

Average Annual Car Insurance Rates in Illinois Based on Miles Driven

Company

6,000 miles annually

12,000 miles annually

Allstate

$5,204.41

$5,204.41

American Family

$3,766.24

$3,864.37

Farmers

$4,605.20

$4,605.20

Geico

$2,727.59

$2,830.72

Liberty Mutual

$2,277.65

$2,277.65

Nationwide

$3,032.19

$3,032.19

Progressive

$3,536.65

$3,536.65

State Farm

$2,285.85

$2,403.91

Travelers

$2,401.58

$2,597.93

USAA

$2,692.43

$2,847.98

Most major insurers offer car insurance coverage in three general tiers: low, medium, and high (even if they don’t necessarily advertise it as such). Our survey found that, as you might expect, the more coverage you buy, the more you pay. However, the survey results showed that two of the 10 insurance companies, American Family and Nationwide, charged the lowest rates for low coverage, the highest rates for medium coverage, and a rate somewhere in between for the highest coverage. In American Family’s case, the average rates were $3,682 (low), $3,955 (medium) and $3,810 (high). Nationwide’s average rates were $3,012 (low), $3,057 (medium) and $3,028 (high).

Average Annual Car Insurance Rates in Illinois Based on Coverage Level

Company

Low

Medium

High

Allstate

$5,041.41

$5,199.22

$5,372.60

American Family

$3,681.61

$3,954.62

$3,809.68

Farmers

$4,379.80

$4,495.96

$4,939.84

Geico

$2,541.65

$2,771.70

$3,024.11

Liberty Mutual

$2,148.04

$2,272.63

$2,412.29

Nationwide

$3,011.79

$3,057.27

$3,027.50

Progressive

$3,248.39

$3,522.52

$3,839.06

State Farm

$2,215.03

$2,348.46

$2,471.15

Travelers

$2,342.76

$2,496.71

$2,659.81

USAA

$2,585.90

$2,767.65

$2,957.06

Credit history is another factor that can affect car insurance premiums because insurance companies believe customers with good credit history are more responsible and pose a lower risk than customers with average or poor credit history. Our survey looked at the average rates in Illinois for customers with good, fair, and poor credit history ratings. Each of the 10 companies in our survey charged the lowest average rates to customers with good credit, higher rates to customers with fair credit, and the highest rates to customers with poor credit, though there was a lot of variation from tier to tier and from company to company. For example, Allstate had the highest average rates in every category and charged almost $2,500 more to customers with poor credit. Farmers and Progressive both charged about $900 more to customers with poor credit than customers with good credit, though their rates were on the high side, overall. Travelers charged a premium of about $1,050 to customers with poor credit, but Travelers’ average rate of $3,050 for that group was the lowest of the 10 companies in the study.

Average Annual Car Insurance Rates in Illinois Based on Credit Score

Company

Good

Fair

Poor

Allstate

$4,186.52

$4,785.73

$6,641.00

American Family

$2,917.93

$3,451.59

$5,076.40

Farmers

$4,183.90

$4,397.68

$5,234.02

Geico

$1,696.13

$2,177.67

$4,463.66

Liberty Mutual

$1,600.86

$2,010.54

$3,221.55

Nationwide

$2,555.21

$2,920.23

$3,621.12

Progressive

$3,157.28

$3,418.56

$4,034.12

State Farm

$1,584.37

$2,041.99

$3,408.28

Travelers

$1,994.34

$2,454.97

$3,049.97

USAA

$2,087.74

$2,533.67

$3,689.19

No examination of auto insurance costs is complete without considering the impact of driving records. The study looked at the average rates for Illinois drivers with a clean driving record, those with one speeding violation, those with one accident, and those with one DUI. All 10 insurance companies in the study charged the lowest rates for customers with a clean driving record and bumped up rates somewhat for drivers with one speeding violation (the amount of that increase varied, from about $200 with State Farm to nearly $1,200 with Allstate). Half the companies – Allstate, Farmers, Liberty Mutual, Progressive, and State Farm – charged the highest rates to drivers with one accident. The other half – American Family, Geico, Nationwide, Travelers, and USAA – charged the highest rates to drivers with one DUI. The differences in rates were all over the place, so Illinois drivers with a less-than-stellar driving record should shop around.

Illinois residents with a clean driving record had the lowest average rates with Liberty Mutual ($1,898) and the highest average rates with Farmers ($3,889). For drivers with one speeding violation, Liberty Mutual again came in the lowest ($2,154), and Allstate was the highest ($4,890). For those with one accident, State Farm had the lowest average rate ($2,548) and Allstate again had the highest ($6,324). Illinois drivers with one DUI paid the lowest rate with State Farm ($2,345) and the highest with Allstate ($5,877).

Average Annual Car Insurance Rates in Illinois Based on Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$3,726.07

$4,890.19

$6,324.22

$5,877.17

American Family

$2,804.70

$3,181.76

$3,981.29

$5,293.47

Farmers

$3,889.37

$4,629.91

$5,013.07

$4,888.44

Geico

$1,986.45

$2,442.88

$2,808.55

$3,878.75

Liberty Mutual

$1,898.05

$2,153.92

$2,692.01

$2,366.62

Nationwide

$2,442.47

$2,805.74

$3,162.33

$3,718.20

Progressive

$2,915.60

$3,684.42

$4,318.08

$3,228.52

State Farm

$2,141.94

$2,344.88

$2,547.83

$2,344.88

Travelers

$1,988.49

$2,494.84

$2,606.50

$2,909.21

USAA

$1,973.79

$2,380.90

$2,838.49

$3,887.63

Illinois residents should be well aware that where they live within the state drastically impacts cost of living, and auto insurance is no exception. Our survey looked at the average rates for 20 cities in Illinois. Bloomington and Champaign had the least expensive rates at $2,923 and $3,014, respectively, while Chicago ($4,536) and Cicero ($4,606) residents had the highest rates.

Average Annual Car Insurance Rates in Illinois by City

City

Average Rate

Bloomington

$2,922.85

Champaign

$3,014.31

Springfield

$3,176.36

Decatur

$3,190.65

Naperville

$3,201.29

Peoria

$3,236.03

Aurora

$3,290.41

Rockford

$3,341.33

Elgin

$3,355.17

Arlington Heights

$3,359.93

Palatine

$3,415.67

Joliet

$3,458.83

Schaumburg

$3,520.83

Bolingbrook

$3,559.14

Orland Park

$3,604.89

Evanston

$3,768.70

Des Plaines

$3,977.64

Skokie

$4,422.17

Chicago

$4,535.54

Cicero

$4,606.10

Illinois Auto Insurance Minimum Coverage Requirements

The state of Illinois requires automotive liability insurance coverage for bodily injury and property damage. The minimums are $25,000 for the injury or death of one person in an accident, $50,000 for the injury or death of more than one person in an accident, and $20,000 for damage to the property of another person.

In Illinois, drivers are required to carry proof of insurance and to show it to any law enforcement officer upon request. Drivers who fail to do so will have their registration suspended, then face a minimum fine of $500 for driving uninsured. If the registration was already suspended for a previous insurance violation, there is a minimum fine of $1,000. The state also conducts random checks through its registration database to ensure vehicles are insured. Illinois residents who are randomly selected must provide proof of insurance via mail, and those who fail to respond will have their vehicle registration suspended. First time offenders must provide proof of insurance and pay a $100 fine to have their registration reinstated, and repeat offenders must pay the same fee and provide proof of insurance after a suspension of four months.

Cheapest Car Insurance in Illinois

Our study clearly shows that car insurance customers in Illinois can expect to pay the lowest average overall rates by choosing low coverage, maintaining a good credit score, and avoiding scenarios that can negatively affect their driving record. Furthermore, a driver’s city of residence within the state of Illinois also plays a role in the cost of insurance coverage. Residents of areas with high rates of theft or accidents will likely pay higher premiums.

Why Car Insurance Rates Vary in Illinois

As in every other state, car insurance rates in Illinois vary. Insurers charge higher rates to drivers they deem as higher risks based on a variety of factors. Among those who can expect to pay higher rates are inexperienced drivers – such as teenagers and drivers who only recently got driver’s licenses – younger drivers in general, those with poor credit, those with poor driving records, and those who live in areas that statistically have higher rates of car theft or car crashes.

How to Get the Cheapest Car Insurance in Illinois

No matter where you live, experts have consistent advice for finding the cheapest auto insurance. Aside from maintaining a good driving record and credit history, your best bet is to shop for discounts. Common car insurance discounts tend to be consistent no matter what state you live in. They include multipolicy or bundling discounts, which are offered to customers who insure more than one vehicle or buy homeowners or renters insurance from the same company. You can also look for good driver discounts, discounts for completing driver training courses, discounts for students or good students, and discounts for those working in a specific profession, such as teachers, active members of the military, and military veterans. Some employers and clubs negotiate group rates, known as affinity discounts, with specific insurance companies. Some insurance companies also offer discounts if you only drive occasionally or accumulate very low miles over the course of the year. Also see if your insurer offers a discount for enrolling in paperless billing, online billing, or automatic payment systems.

woman going through paperwork
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With some insurance companies, your vehicle may be eligible for discounts if it’s new or if it features certain anti-theft or safety systems. You can also see if your company offers discounts for those willing to use a device that records driving data and tracks driving habits.

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Important Laws around Auto Insurance in Illinois

Illinois has laws that relate specifically to car insurance, as well as driving laws that you should keep in mind when you’re driving within state lines. Violating certain laws can make your car insurance rates go up, so don’t forget that your conduct on the road is closely related to what you pay for insurance.

Illinois Driving Laws and Punishments

There are two laws restricting drivers in Illinois from using handheld devices, and they overlap somewhat. The first law restricts underage drivers from talking on a handheld device and restricts all drivers from talking on wireless devices in school, construction, and emergency zones. Underage motorists do not get an exception for hands-free calls, but adults do, and all drivers get an exception for emergency calls. First and second-time offenders receive a fine of between $120 and $1,000 and see 10 to 30 points added to their driving record. Subsequent offenses are considered misdemeanors and carry a fine of between $120 and $1,500. If the offense results in bodily harm, it’s a class A misdemeanor, which results in up to a year in jail and a fine of up to $2,500. If the offense results in a death, it’s a class 4 felony with three to six years in prison and fines of up to $25,000.

The second cell phone-related law bans all drivers from using an electronic communication device while driving, with exceptions for hands-free use and emergency calls. Violators are subject to fines of $75 for a first offense, $100 for a second offense, $125 for a third offense, and $150 for a fourth or subsequent offense. Additionally, they'll see 20 to 30 points added to their driving record. Again, if the offense results in bodily harm, it’s a class A misdemeanor with up to a year in jail and a fine of up to $2,500. If the offense results in death, it’s a class 4 felony with three to six years in prison and fines of up to $25,000.

Like most states, Illinois imposes strict penalties for drivers convicted of a DUI. The legal limit for a DUI is 0.08 percent for drivers older than 21. Illinois has a zero-tolerance policy for those younger than 21, so the legal limit is zero percent for that age group. If you're found to have 0.16 percent in your system, you qualify for an aggravated offense with an enhanced penalty. If you refuse to submit to a sobriety test, your license will be suspended for one year for the first occasion and three years for the second, even if you are not ultimately convicted of driving under the influence.

The first DUI offense carries a maximum penalty of 364 days in jail and 100 hours of community service (if it is an aggravated offense), along with a fine of between $500 and $2,500. Additionally, first-time offenders older than 21 see their license revoked for one year, while those under 21 lose their license for two years.

The second offense carries penalties of five to 364 days in jail and 480 hours of community service, as well as fines of between $1,250 and $25,000 and a license suspension of five years.

The third offense may result in 10 days to seven years in jail, 480 hours of community service, fines of between $2,500 and $25,000, and a 10-year license suspension.

Offenders carrying passengers under age 16 at the time of the offense must also complete 25 days of community service.

Police lights
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Make sure you comply with Illinois law by maintaining the minimum required insurance coverage. If you cancel your insurance policy or allow it to lapse, or if you fail to show proof of insurance when requested by a police officer during a traffic stop, you are in violation of Illinois law. Drivers are required to carry proof of insurance and show it to any law enforcement officer upon request, and those who fail to do so will have their registration suspended and face a minimum fine of $500 for driving uninsured. If the registration was already suspended for a previous insurance violation, there is a minimum fine of $1,000. For a first-time offense, the driver must provide proof of insurance and pay a $100 fine to have their registration reinstated, and repeat offenders must pay the same fee and provide proof of insurance after a suspension of four months.

Illinois Car Insurance FAQs

Is car insurance required in Illinois?

The state of Illinois requires motorists to carry auto liability insurance with specific minimums. If you recently moved to Illinois or are registering a vehicle, be prepared to provide proof of liability insurance at registration.

Which cars are required to be insured in Illinois?

Any vehicle that is registered in Illinois must meet the state’s minimum insurance requirements.

When should I get car insurance in Illinois?

You’ll need proof of car insurance before you can register a vehicle in the state of Illinois.

What happens if my car is not properly insured in Illinois?

Drivers in Illinois are required to carry proof of insurance and show it to any law enforcement officer upon request. Failure to comply will result in a suspended registration and a minimum fine of $500. For a first-time offense, the driver must provide proof of insurance and pay a $100 fine to have their registration reinstated. Repeat offenders must wait for four months, then pay a $100 fee and provide proof of insurance.

Is Illinois a no-fault state?

Illinois is an at-fault state, which means that if you cause a crash in Illinois, you can be sued by others involved in the crash for losses that exceed your insurance coverage. In a no-fault state, any driver involved in an accident can collect compensation from their own insurance company regardless of whether or not they had a role in causing the crash.

Do I need uninsured motorist coverage in Illinois?

You do not need to purchase separate uninsured motorist coverage in Illinois. According to state law, there are minimums for uninsured motorist coverage, but insurers are required to include it in policies for state minimum liability insurance coverage.

Is liability insurance required in Illinois?

Illinois requires automotive liability insurance coverage for bodily injury and property damage with the following minimums: $25,000 for the injury or death of one person in an accident, $50,000 for the injury or death of more than one person in an accident, and $20,000 for damage to the property of another person.

Does Illinois accept digital insurance cards?

Illinois is among the many states that have adopted digital insurance cards, which allow drivers to store proof of insurance on their smartphone. Illinois residents who would like to use a digital insurance card should contact their insurance company to see if it is available.

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