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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. 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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Cheapest Car Insurance Companies in Illinois

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance Companies

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings. 

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 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 of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Illinois?

See the Cheapest Car Insurance Companies

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

Of the insurance companies in the study, Allstate had the highest average annual study rates in Illinois by far, at around $1,800. From there, the next-highest average study rates are from: Farmers, about $1,500;  American Family, about $1,400; and Nationwide, about $1,200. Progressive's average study rate of about $1,100 comes next, followed by USAA around $1,000. Average study rates from Travelers and State Farm are both around $900, while Geico has the lowest average rates in our study, at about $700.

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Illinois Car Insurance Rates by Age

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Of the age groups represented in the study, the 60-year-old driver profiles have the lowest car insurance rates in Illinois. There are a few exceptions, however. Allstate offers lower average rates to the 35-year-old driver profiles, and Geico has a lower study rate for the 35-year-old male profile than for both the 60-year-old male and female profiles, but the 35-year-old female driver profile has higher rates from Geico than the 60-year-old profiles. The study also revealed that, in general, the female driver profiles paid lower average auto insurance rates than the male profiles in the 25-year-old and 60-year-old groups, but more than the male profile in the 35-year-old segment. 

In general, the 35-year-old driver profiles pay the second-lowest average rates. Allstate, American Family, Farmers, and Travelers charge identical rates for both the male and female driver profiles in the 35-year-old group.

The 25-year-old driver profiles pay higher average rates in our analysis than the 35- and 60-year-old profiles. Here, the female profile pays lower rates than the male profile across the board with every insurance company except Geico, which charges about $80 less to the men in this age bracket. In cases where the 25-year-old female profile pays lower average rates than the male profile in the same age group, the difference ranges from about $50 (Travelers) to around $400 (American Family).

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$2,097.03

$1,943.85

$1,631.36

$1,623.31

$1,691.88

$1,691.88

American Family

$1,743.89

$1,348.31

$1,348.31

$1,348.31

$1,238.05

$1,238.05

Farmers

$1,770.83

$1,676.19

$1,416.04

$1,416.57

$1,274.02

$1,183.12

Geico

$847.06

$928.63

$591.55

$722.90

$640.28

$655.68

Nationwide

$1,570.55

$1,425.80

$1,205.66

$1,181.27

$1,099.36

$1,015.44

Progressive

$1,464.65

$1,337.45

$1,014.13

$1,081.21

$889.79

$845.31

State Farm

$1,164.05

$1,016.22

$912.52

$912.52

$828.04

$828.04

Travelers

$1,065.20

$1,014.26

$1,005.61

$956.23

$835.38

$787.61

USAA

$1,228.61

$1,121.84

$893.01

$878.45

$807.68

$818.44

Illinois Car Insurance Rates by Annual Mileage

We created two driver profiles to compare how annual mileage can change car insurance rates in Illinois. One with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

It turns out that there isn't a big difference in rates between these two groups of Illinois drivers, according to our study. Four of the nine major insurance companies in the study (Allstate, Farmers, Nationwide, and Progressive) showed the same average study rates for both profiles. Of the five companies that charged higher representative rates to the profile with higher annual mileage (American Family, Geico, State Farm, Travelers, and USAA), the difference was less than $100 for each company.

Company

6,000 miles annually

12,000 miles annually 

Allstate

$1,779.89

$1,779.89

American Family

$1,305.39

$1,377.49

Farmers

$1,456.13

$1,456.13

Geico

$705.87

$731.02

Nationwide

$1,249.68

$1,249.68

Progressive

$1,105.42

$1,105.42

State Farm

$850.09

$943.57

Travelers

$879.37

$944.05

USAA

$893.54

$958.01

Illinois Car Insurance Rates by Coverage Level

Most major insurers offer car insurance coverage in three general tiers for insurance coverage: low, medium, and high (even if they don’t necessarily advertise it as such). We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females with the ages of 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

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 $1,277 (low), $1,377 (medium), and $1,334 (high). Nationwide’s average rates were $1,229 (low), $1,250 (medium), and $1,246 (high).

Company

Low

Medium

High

Allstate

$1,715.35

$1,779.89

$1,854.02

American Family

$1,277.28

$1,377.49

$1,333.59

Farmers

$1,421.06

$1,456.13

$1,537.53

Geico

$669.32

$731.02

$802.44

Nationwide

$1,228.94

$1,249.68

$1,245.79

Progressive

$1,027.54

$1,105.42

$1,202.19

State Farm

$886.25

$943.57

$1,001.25

Travelers

$899.44

$944.05

$995.12

USAA

$891.15

$958.01

$1,030.15

Illinois Car Insurance Rates by Credit Score

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 study verified that credit score affects car insurance rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

Each of the companies in our survey charged the lowest average study rates to customer profiles with good credit, higher rates to customer profiles with fair credit, and the highest rates to customer profiles 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 study rates in every category and charged almost $1,200 more to the profile with poor credit over the profile with good credit. Geico, American Family, and Farmers all charged the profile with poor credit $1,000 more than the profile with good credit. Nationwide and Travelers had the lowest increase in average rates from the good credit to poor credit profils, about $500 and $600, respectively.

Company

Good

Fair

Poor

Allstate

$1,779.89

$2,003.42

$2,958.94

American Family

$1,377.49

$1,628.14

$2,392.61

Farmers

$1,456.13

$1,661.61

$2,457.43

Geico

$731.02

$924.15

$1,841.01

Nationwide

$1,249.68

$1,412.89

$1,733.15

Progressive

$1,105.42

$1,386.15

$1,979.52

State Farm

$943.57

$1,213.63

$2,020.03

Travelers

$944.05

$1,143.90

$1,574.63

USAA

$958.01

$1,156.79

$1,702.50

Illinois Car Insurance Rates by Driving Record

As you might expect, a person's driving record has a large impact on insurance rates, according to our study. To find out just how much of an effect, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

All insurance companies in the study charged the lowest rates for the customer profile with a clean driving record and bumped up rates somewhat for the driver profile with one speeding violation (the amount of that increase varied, from about $85 with State Farm to nearly $600 with Allstate). Half the companies – Allstate, Farmers, Progressive, and State Farm – charged the highest study rates to the driver profile with one accident. Interestingly, Progressive also charged a lower study rate for the profile with one DUI than the profile with one speeding ticket. The other half – American Family, Geico, Nationwide, Travelers, and USAA – charged the highest rates to the driver profile 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.

The driver profile with a clean driving record in Illinois had the lowest average rates with Geico ($731) and the highest average rates with Allstate ($1,780). For the driver profile with one speeding violation, Geico again came in the lowest ($965), and Allstate was once again the highest ($2,370). For the profile with one accident, Geico continues to be the cheapest, and had an average study rate of $1,061, while Allstate again had the highest, at $3,102. State Farm offers the lowest rate to the driver profile with one DUI ($1,028), and Allstate has the highest for this profile ($2,850).

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,779.89

$2,370.04

$3,102.22

$2,849.74

American Family

$1,377.49

$1,640.14

$2,080.81

$2,493.85

Farmers

$1,456.13

$1,881.42

$2,109.75

$2,035.28

Geico

$731.02

$964.84

$1,061.21

$1,669.59

Nationwide

$1,249.68

$1,551.45

$1,911.76

$2,370.64

Progressive

$1,105.42

$1,590.99

$2,097.10

$1,336.91

State Farm

$943.57

$1,027.86

$1,112.18

$1,027.86

Travelers

$944.05

$1,257.52

$1,308.22

$1,444.05

USAA

$958.01

$1,158.26

$1,350.65

$2,036.83

Illinois Car Insurance Rates by City

We checked our study's driver profiles in some of Illinois' largest cities to find out how city of residence can affect insurance rates. Our profiles are based on 25-, 35-, and 60-year-old males and females with a clean driving record, 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

According to our study, Chicago has the highest average car insurance rates in Illinois ($1,593). Study rates around the rest of the state fall in the $1,100 to $1,200 range, with the lowest average rate in our study found in Champaign ($1,073).

City

Average Rate

Chicago

$1,592.67

Aurora

$1,128.99

Rockford

$1,181.41

Joliet

$1,208.83

Naperville

$1,112.66

Springfield

$1,138.11

Peoria

$1,151.77

Elgin

$1,163.47

Waukegan

$1,196.67

Champaign

$1,072.52

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.

Read our guide on how much car insurance you need to learn more.

Cheapest Car Insurance in Illinois

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Single Young Adult Drivers

Geico

Married Adult Drivers

Geico

Senior Drivers

Geico

Drivers with Good Credit

Geico

Drivers with Poor Credit

Travelers

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

Geico

Drivers with One Accident

Geico

Drivers with One DUI

State Farm

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Geico

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

To find which car insurance company offers the lowest rates in Illinois, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Our study clearly shows that driver profiles 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, city of residence within the state of Illinois also plays a role in the cost of insurance coverage. Driver profiles with residences in 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.

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

woman going through paperwork
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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.

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?

Police lights
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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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