Best Car Insurance in Illinois 2021

Last modified: December 30, 2020

If you’re in search of a company that offers the best car insurance in Illinois, this post is a good read. We have created a list of some of the best automobile insurance companies in Illinois. Evaluate your options to make your pick.

What Are Minimum Illinois Car Insurance Requirements?

Illinois, like other U.S. states, has minimum liability requirements that you have to meet to be able to drive legally. In case you don’t have the insurance, you may have to face some serious consequences such as mandatory filing of an SR-22 or court supervision. 

If you live in Illinois, it’s your responsibility to know your state’s minimum car insurance requirements. This knowledge will come in handy when you’re shopping for an insurance policy. 

For example, you should know how much responsibility each party has in the event of an accident. Usually, Illinois minimum car insurance covers two main types of accident liability: property damage and bodily injury liability

So, in the event of an accident, where you’re the at-fault party, your insurance will cover the other party’s medical costs and vehicle repair bills. 

Illinois minimum auto insurance requirements are:

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

 

Average Costs

In the table below, we have mentioned the average car insurance cost in Illinois. Your insurance policy rates will vary depending on different factors. Among other factors, your age group and the make of your car play a big role in determining your car insurance quotes in Illinois.

Average Car Insurance Cost in Illinois by Age and Gender

Age  Average Price for Men   Average Price for Women
25 Years Old   $1,510 $1,386
35 Years Old $1,177 $1,172
60 Years Old $1,085 $1,051

Out of the age group mentioned in the table above, 60-year-old drivers have the lowest car insurance rates in Illinois

On the other hand, people who are in their mid-20s have higher car insurance rates in Illinois. Still, the overall pricing shows that affordable car insurance is attainable in Illinois.

Cost of Car Insurance by Top Cities in Illinois

City Average Rate
Chicago $1,686.15
Aurora $1,223.58
Naperville   $1,192.85
Joliet $1,300.80

Cheapest Providers

Here is the list of the car insurance quotes in Illinois:

  • GEICO: $830.73
  • USAA: $952.58
  • State Farm: $982.44
  • Travelers: $1,050.44
  • Progressive: $1,170.87
  • Nationwide: $1,334.92
  • Farmers: $1,409.59
  • American Family: $1,465.79
  • Allstate: $1,879.89

The cheapest car insurance in Illinois is GEICO ($830.73) and USAA ($952.58). Before buying an insurance policy, make sure that you have read the terms and conditions, and have understood the extent of coverage that the company offers.

The table below shows the categories of different drivers and the companies that offer the cheapest insurance rates for that particular category:

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 State Farm
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

Illinois Auto Insurance, Traffic Rules, and Penalties

There are specific laws that relate to car insurance in Illinois. If you violate these laws, your insurance rates will go up. 

One of the first requirements is that you cannot have a handheld device with you when you’re driving. Drivers do get an exception for emergency calls. 

In the table below, we have listed the penalties that you may have to face if you’re found liable for breaking any law: 

Penalty First and Second Offence Subsequent Offences
Fines $501-$1,000 – additional 

$1,000 if you’re driving with a suspended plate because of any previous violation

$1,000; additional $1,000 if you’re driving with a suspended plate because of any previous violation; 

additional $2,500 fine if you’ve been convicted twice or involved in an accident

Driving privileges Driver’s license and registration suspended for up to 3 months. Driver’s license and registration suspended for up to 4 months.
Other $100 reinstatement fee $100 reinstatement fee; also required to show proof of financial responsibility (SR22 certificate) for 3 years

Penalties for driving without insurance in an accident

In Illinois, drivers must file a crash report if they’re involved in a car accident and if the accident caused deaths, bodily injuries, or more than $1,500 of property damage

Drivers who have been convicted multiple times for not having insurance have to face even harsher penalties. 

In case you’ve caused bodily harm to another person in an accident, you’re hit with a $2,500 fine in addition to the 4-month license suspension. You also need to pay a $100 reinstatement fee. The same penalty is true if you have been convicted twice or more for driving uninsured.

Best Car Insurance Companies in Illinois

Company   Provisions & Coverage Ratings Discounts Car Insurance Costs for Different Use Case
Safeco
  • Rideshare insurance
  • Usage-based insurance
  • Gap insurance
  • Non-owner insurance
  • S&P: A- 
  • AM Best: A
  • Moody’s: A2 
  • Good student
  • Distant student
  • Accident-prevention course
  • Violation-free
  • Newly independent
$637 
GEICO
  • Bodily injury liability
  • Medical payments coverage 
  • Property damage liability
  • Collision coverage 
  • Comprehensive coverage
  • S&P: AA+
  • AM Best: A++ 
  • Insuring more than one vehicle with GEICO
  • Driving for 5 years with no accidents
  • Using seat belts
  • Having good grades, if you or someone on your policy is a full-time student 16 to 24 years old
$1,168
USAA
  • Accident forgiveness
  • Rideshare insurance
  • AM Best: A++
  • S&P: AA+ 
  • Multi-vehicle 
  • Safe driver 
  • Defensive driving 
  • Good student 
  • Car is 3 years old or less
  • Discount based on the number of miles you drive in a year
  • Family discount
  • Discount for drivers younger than 21 who complete a basic driver training course
  • Vehicle storage 
  • Length of membership 
$885
State Farm
  • The Steer Clear Driver Program 
  • Rental car and travel expenses coverage
  • Rideshare insurance
  • Drive Safe & Save
  • AM Best: A+
  • Good student Discounts
  • Discount for taking a driver safety course
  • Discount if all operators of your vehicle under 21 complete an approved driver education course
  • Anti-theft device
  • Passive restraint 
  • Vehicle safety 
$1,234
The Hartford
  • RecoverCare
  • New car replacement
  • 12-month auto insurance rate protection
  • Lifetime car repair assurance
  • S&P: A+
  • Disappearing deductible
  • First-accident forgiveness
  • Waiver of deductible  One deductible
$210.57 per month
Pekin
  • Roadside assistance
  • Rental reimbursement
  • Accidental death benefit
  • $0 deductible for glass claims
  • New car replacement
  • Coverage for sound receiving and transmission equipment
  • Auto/loan lease coverage
  • Young Adult Protection Plus 
  • AM Best: A-
  • Multi-car discount
  • Anti-theft devices discount
  • Good student discount
$641 
Travelers
  • The Premier Responsible Driver Program
  • Premier New Car Replacement
  • IntelliDrive
  • Ridesharing insurance
  • Responsible Driver Program
  • Gap insurance 
  • AM Best: A++
  • Multi-car 
  • Multi-policy 
  • Discount for getting a quote before your policy expires
  • Safe driver 
  • Homeowners
  • Discount for drivers in high school or college that maintain a “B” average or better
  • Student away at school 
$1,267

Detailed Reviews

Safeco Insurance

Safeco auto insurance company is financially stable and offers some of the best coverage options at competitive pricing. The company offers policies in Illinois and 45 other states. From roadside assistance to fast claim processing, Safeco has built a strong market reputation.

GEICO

One of the most credible insurance providers, GEICO provides great coverage plans to drivers in Illinois. Apart from other insurance coverage plans, it also offers ridesharing insurance and mechanical breakdown coverage. 

You can easily get a quote through GEICO’s website. It has a virtual assistant that can easily answer your questions and provide specific policy information. 

USAA Insurance

Relatively cheaper than the other insurance providers, USAA also has great coverage plans for Illinois drivers. 

It has a very good financial rating, which means that it can pay off its financial liabilities with ease. When it comes to customer satisfaction, the insurance company also scores quite well. 

One of the drawbacks of the company is that it has strict qualification requirements.

State Farm

On average, State Farm’s insurance plans will cost you $1,234 per year. The company has a big network of agents that provide customer assistance. The company has good customer service and the customers are satisfied with its performance regarding claims. 

The Hartford

The Hartford’s auto insurance is largely targeted toward people aged 50 and older. The policies are delivered through a partnership with AARP, thereby bringing additional savings and perks to AARP members. Non-AARP members can buy policies through independent insurance agents.

Pekin 

Pekin auto insurance quotes for Illinois are not offered over the web. The company has a BBB A+ rating and is financially stable. Pekin offers a wide range of coverage options and discounts. It is best for those who want a tailored policy.

Travelers

Travelers plans are affordable for drivers with good credit and young drivers. It offers great discounts. 

That said, the company hasn’t received good ratings from customers and scores low when it comes to customer satisfaction.

 

The Final Word

How did you find our list of the best car insurance providers in Illinois? This particular state has some specific laws regarding car insurance. If you want to avoid getting fined or penalized when you’re out on the roads, you should get a car insurance policy. 

What type of coverage plan is good for you depends on your car make and your driving habits. So, analyze your driving habits and coverage requirements and choose the insurance provider, which suits you best.

Pros & Cons

The Pros

The Cons

Final Verdict

FAQs

Why is auto insurance in Illinois so expensive?

Causing an accident in Illinois is an expensive problem. We have already listed the penalties and fines that you have to pay if you violate any laws. Insurance allows you to pay for all the damages.

Is Illinois a no-fault state?

No, Illinois is an at-fault state. It means that if you’re involved in a crash, you can be sued by others who are involved.

How to reduce car insurance costs in Illinois?

The best way to reduce car insurance costs in the state is to avail of discounts offered by the insurance providers.

What is the best auto insurance in Illinois?

In the section below, we have listed the best car insurance companies in Illinois.