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Last updated: March 20, 2025
Compare Cheap Auto Insurance in Illinois
Most Illinois drivers can find the cheapest average auto insurance rates from Travelers and State Farm.
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The average cost of full coverage car insurance in Illinois is $1,799 annually — 25 percent lower than the national average, which is $2,399. Minimum coverage costs an average of $768 annually, which is a bit higher than the national average of $635.
Where you live in Illinois can have a big impact on your insurance rates. Much of the state is rural and pays lower average rates. However, major cities like Chicago bring up the overall state average, and drivers in those cities can expect to pay more for auto insurance, on average.
Overview
- The average cost of auto insurance in Illinois is $1,799 per year for full coverage and $768 per year for minimum coverage.
- Travelers and State Farm have the lowest average premiums for most drivers in the Prairie State.
- Country Financial and Erie Insurance also tend to have lower-than-average rates in Illinois, and Erie is best for customer service.
Jump to:
- Cheapest full coverage auto insurance in Illinois: Travelers ($1,320 annually) and State Farm ($1,320 annually)
- Cheapest minimum coverage: Travelers ($523 annually) and Country Financial ($528 annually)
- Cheapest with a teen driver: Country Financial ($3,144 annually) and Travelers ($3,675 annually)
- Cheapest with a speeding ticket: State Farm ($1,412 annually) and Travelers ($1,702 annually)
- Cheapest with an at-fault accident: State Farm ($1,516 annually) and USAA ($1,803 annually)
- Cheapest with a DUI: Travelers ($1,944 annually) and Progressive ($2,156 annually)
- Cheapest with low credit: Travelers ($2,014 annually) and Country Financial ($2,071 annually)
Cheapest Car Insurance in Illinois for Full Coverage: Travelers
Travelers and State Farm offer the most affordable full coverage auto insurance in Illinois, tied with an average annual rate of $1,320 annually or $110 monthly. That’s 27 percent lower than the statewide average. Country Financial also offers cheap rates for full coverage, at $1,398 annually.
| Provider | Annual full coverage | Monthly full coverage |
|---|---|---|
| Travelers | $1,320 | $110 |
| State Farm | $1,320 | $110 |
| Country Financial | $1,398 | $117 |
| Progressive | $1,472 | $123 |
| USAA | $1,507 | $126 |
| Auto-Owners Insurance | $1,702 | $142 |
| Erie Insurance | $1,739 | $145 |
| GEICO | $2,022 | $169 |
| Allstate | $2,628 | $219 |
| Illinois average | $1,799 | $150 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Illinois for Minimum Coverage: Travelers
For minimum coverage in Illinois, Travelers is also the cheapest pick, with an average rate of only $523 per year — 32 percent below the state average. Country Financial ($528 annually) and Erie ($538 annually) have the next-cheapest rates, both also below the state average.
| Provider | Annual minimum coverage | Monthly minimum coverage |
|---|---|---|
| Travelers | $523 | $44 |
| Country Financial | $528 | $44 |
| Erie Insurance | $538 | $45 |
| USAA | $656 | $55 |
| State Farm | $657 | $55 |
| GEICO | $754 | $63 |
| Progressive | $774 | $65 |
| Allstate | $1,185 | $99 |
| Illinois average | $768 | $64 |
| National average | $635 | $53 |
Cheapest Car Insurance in Illinois for Teen Drivers: Country Financial
Country Financial is the best choice for Illinois teens looking for affordable auto insurance. It has an average rate of $3,144, which is well below the state average of $5,086. Travelers and Erie also offer competitive rates. Auto insurance for teens tends to be very expensive, so it’s worth shopping around, whether they’re getting their own policy or being added to a family policy. The existing family insurer may not offer the best rates with a teen added, so it may make sense to switch providers.
| Provider | Annual rate with a teen driver | Monthly rate with a teen driver |
|---|---|---|
| Country Financial | $3,144 | $262 |
| Travelers | $3,675 | $306 |
| Erie Insurance | $3,786 | $316 |
| Auto-Owners Insurance | $3,828 | $319 |
| GEICO | $3,830 | $319 |
| State Farm | $3,949 | $329 |
| USAA | $4,193 | $349 |
| Progressive | $5,303 | $442 |
| GEICO | $5,430 | $453 |
| AAA | $5,861 | $488 |
| Allstate | $7,342 | $612 |
| Illinois average | $5,086 | $424 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in Illinois With a Speeding Ticket: State Farm
A speeding ticket in Illinois can increase rates by around 20 percent per year, on average. However, it’s still possible to find affordable coverage. State Farm and Travelers offer the best rates for drivers with a speeding ticket, with average annual premiums of $1,413 and $1,702, respectively.
| Provider | Annual rate with a speeding ticket | Monthly rate with a speeding ticket |
|---|---|---|
| State Farm | $1,412 | $118 |
| Travelers | $1,702 | $142 |
| Country Financial | $1,841 | $153 |
| USAA | $1,902 | $159 |
| Erie Insurance | $1,930 | $161 |
| Auto-Owners | $2,091 | $174 |
| GEICO | $2,165 | $180 |
| Progressive | $2,397 | $200 |
| Allstate | $3,633 | $303 |
| Statewide average | $2,163 | $180 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Illinois With an At-Fault Accident: State Farm
Drivers with an at-fault accident in Illinois may find the cheapest rates from State Farm, which has an average premium of $1,516 per year — 42 percent below the state average. USAA and Travelers also have affordable rates, but the former is available only to military members, veterans and their families.
| Provider | Annual rate with an at-fault accident | Monthly rate with an at-fault accident |
|---|---|---|
| State Farm | $1,516 | $126 |
| USAA | $1,803 | $150 |
| Travelers | $1,809 | $151 |
| Country Financial | $2,038 | $170 |
| Auto-Owners | $2,155 | $180 |
| Progressive | $2,227 | $186 |
| Erie Insurance | $2,359 | $197 |
| AAA | $2,697 | $225 |
| GEICO | $2,836 | $236 |
| Allstate | $5,161 | $430 |
| Statewide average | $2,596 | $216 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Illinois With a DUI: Travelers
A DUI is one of the most severe driving offenses and will cause your rates to increase accordingly. In Illinois, that could mean a 61 percent increase, on average. Travelers and Progressive offer the lowest rates for drivers with DUIs in the Prairie State, at $1,944 per year and $2,156 per year, respectively. Both companies’ rates are well below the state average.
| Provider | Annual rate with a DUI | Monthly rate with a DUI |
|---|---|---|
| Travelers | $1,944 | $162 |
| Progressive | $2,156 | $180 |
| Erie Insurance | $2,663 | $222 |
| State Farm | $2,709 | $226 |
| Country Financial | $2,834 | $236 |
| USAA | $3,129 | $261 |
| GEICO | $3,309 | $276 |
| Allstate | $4,651 | $388 |
| Statewide average | $2,899 | $242 |
| National average | $3,305 | $275 |
Cheapest Car Insurance in Illinois With Low Credit: Travelers
Travelers also offers the lowest average rates for drivers with poor credit in Illinois, at $2,014 per year. In general, rates are much higher than average for drivers with poor credit, and finding cheap rates can be more difficult. Country Financial and USAA offer below-average rates as well, though only military drivers are eligible for USAA.
| Provider | Annual rate with low credit | Monthly rate with low credit |
|---|---|---|
| Travelers | $2,014 | $168 |
| Country Financial | $2,071 | $173 |
| USAA | $2,598 | $217 |
| Progressive | $3,099 | $258 |
| GEICO | $3,890 | $324 |
| Allstate | $4,369 | $364 |
| State Farm | $4,429 | $369 |
| Statewide average | $3,159 | $263 |
| National average | $3,377 | $281 |
Best Claims and Customer Satisfaction in Illinois: Erie
Erie’s average rates in Illinois are higher than Travelers’, but Erie ranks much higher for customer service. Depending on the quotes you receive, paying a bit more may make sense for a better likelihood of a smooth experience if you have issues or need to file a claim. USAA and State Farm also have strong customer service records.
| Provider | North Central customer satisfaction score (J.D. Power)1 | Claims satisfaction score (J.D. Power)2 | CRASH Network Insurer Report Card grade3 |
|---|---|---|---|
| USAA | 759 | 726 | D+ |
| Erie | 710 | 733 | A- (Honor Roll) |
| State Farm | 665 | 710 | C- |
| Country Financial | 665 | N/A | B- |
| Allstate | 652 | 691 | D |
| Progressive | 648 | 672 | C |
| Auto-Owners | 646 | 692 | B |
| GEICO | 641 | 692 | C- |
| AAA | 630 | 692 | C+ |
| Travelers | 606 | 684 | C |
| Average | 652 | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in Illinois
- Drive safely. On average, drivers with clean records pay significantly less for car insurance than drivers with violations do. To keep your rates as low as possible, drive safely and do everything possible to avoid moving violations.
- Improve your credit. In Illinois, having poor credit can lead to much higher auto insurance premiums. If you have low credit, work on improving it by avoiding new debt and making on-time payments. Over time, your rates may improve to reflect a change in your credit.
- Look for discounts. Auto insurers provide a variety of discounts, but some providers offer more discounts than others. When you get quotes, always check what discounts are available and ask an agent to make sure you’re not missing any that you may be eligible for.
- Take a defensive driving course. Many insurers offer discount opportunities for completing an approved driver education or defensive driving course. Some are limited by age, so be sure to check whether you’re eligible. In addition to saving you money, a driving course will help you be a safer driver, which will keep your premiums low.
Average Auto Insurance Cost in Illinois by City
The city with the highest average auto insurance rates in Illinois is, unsurprisingly, Chicago. The average annual rate in the Windy City is $2,122, which is 18 percent higher than the statewide average of $1,799. The average rate is much lower in the smaller city of Aurora, at $1,657, which is below the state average.
| City | Annual full coverage | Monthly full coverage |
| Chicago | $2,122 | $177 |
| Joliet | $1,788 | $149 |
| Springfield | $1,753 | $146 |
| Naperville | $1,708 | $142 |
| Aurora | $1,657 | $138 |
| Illinois average | $1,799 | $150 |
Minimum Car Insurance Requirements in Illinois
Drivers in Illinois are required by law to carry insurance with at least the following limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $20,000 per accident
- Uninsured/underinsured motorist: $25,000 per person/$50,000 per accident
Although minimum coverage offers some financial protection, it may not be enough if you need to file a claim for severe injuries or damage. We recommend getting higher limits, as well as full coverage, if you can afford it.
GOOD TO KNOW:
Illinois has a relatively high rate of uninsured drivers — 13th in the country, according to the Insurance Information Institute.4 The required uninsured/underinsured motorist coverage is very beneficial because it will cover you if you get into an accident caused by an uninsured driver.
Frequently Asked Questions
Who has the cheapest car insurance in Illinois?
Travelers and State Farm have the cheapest average rates for full coverage car insurance in Illinois; both have an average annual rate of $1,320. The cheapest minimum coverage is from Travelers, at $523 annually, followed by Country Financial, at $528 annually.
What is the average cost of car insurance per month in Illinois?
Car insurance in Illinois costs an average of $150 per month for full coverage and $64 per month for minimum coverage. However, your rates will vary based on your driving record and other factors.
How does credit score affect car insurance rates in Illinois?
In Illinois, insurers may use your credit history to calculate a credit-based insurance score, which, in turn, affects your premium. Drivers with poor credit in the Prairie State pay, on average, 76 percent more than drivers with good credit and clean driving records, which is significant. Improving your credit can lead to better rates over time.
What are the best discounts available for car insurance in Illinois?
One of the best discounts offered by most insurers is a bundling discount, which can save you up to 25 percent on your policies. Many insurers also offer telematics programs, which track your driving habits and provide discounts depending on how safely you drive. Depending on your results and the company, you may be able to get a discount of up to 40 percent. Other great discounts include those for being a good student (available to young drivers) and multivehicle discounts. The discounts available from different insurers vary by state, so it’s always best to double-check what companies offer when you request a quote.
Methodology
We analyzed average auto insurance premiums in Illinois for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit, speeding tickets and teenagers. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyInsurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/Facts + Statistics: Uninsured motorists. Insurance Information Institute. (2023).
https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
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