best cheap car insurance in illinois
cheapest auto insurance quotes in illinois: state farm
For a minimum coverage auto insurance policy, the cheapest insurers in illinois are state farm and country financial. The typical state farm price of just $377 per year is 47% cheaper than the overall statewide average. country financial is the only other insurer that offers a policy for less than $500 per year.
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Minimum coverage policies meet minimum coverage requirements as determined by state law. Unlike full coverage, minimum coverage does not include comprehensive and collision coverages, which pay for repairs to your car after an accident. With a liability only policy, you may have to pay out of pocket to get your car repaired.
cheapest company for full coverage in illinois: state farm
The cheapest full coverage auto insurance companies in Illinois are state farm, country financial, and travellers. The state farm’s average rate of $959 per year for full coverage is impressively affordable, and all three insurers offer full coverage quotes for less than $1,500 per year.
A full coverage auto insurance policy includes comprehensive and collision coverage in addition to liability insurance. Drivers who want to protect themselves against damage to their car should consider purchasing a full coverage auto insurance policy.
cheapest auto insurance quotes for illinois drivers with previous incidents
Drivers with a less than perfect driving record will likely find more expensive auto insurance quotes. this makes it even more important to shop around and find the most affordable rates for you.
the cheapest car insurance for drivers with speeding tickets: state farm
Car insurance companies tend to increase rates after receiving a speeding ticket, although some increase prices more than others. state farm has the lowest cost of insurance for illinois drivers with speeding tickets, with a typical price of $1,045 per year. that’s less than half the cost of the state average.
cheaper for drivers after an accident: state farm
The cheapest insurance company for a full coverage car insurance policy with a previous accident in Illinois is state farm. typical quotes after an accident were only $1,131 per year, $780 less than the second cheapest option and an increase of only $14 more per month compared to having a clean driving record.
drivers with an accident on their driving record tend to see higher rates than those with no accident history. we found a typical rate increase of $906 per year after a single at-fault accident.
Notably, the most expensive policy we found ($4,928 a year from Allstate) is more than four times higher than the cheapest policy from State Farm ($1,131). Given the variability of insurance rates for different driver profiles, we always recommend looking for car insurance.
the cheapest car insurance for drivers with dui: state farm
For drivers with a DUI on their record, some insurers offer better rates than others. state farm only charges $1,561 per year for a full coverage policy. no other insurer gave a quote even close to that amount.
Being caught driving under the influence of alcohol is one of the most serious driving-related offenses out there, and the consequences are quite serious. At Illinois’ most popular insurers, rates increase an average of 57% after a DUI conviction.
cheapest car insurance quotes for drivers with bad credit: country financial
For drivers with bad credit, we recommend country financial. their average price is just $1,825 per year for a full coverage policy, the lowest of any company we surveyed.
Having a low credit score doesn’t mean you’re a bad driver, but unfortunately, it can affect your insurance rates. insurance companies have found a correlation between a driver’s credit score and the likelihood that they will file a claim, so people with lower credit scores tend to pay more.
Improving your credit doesn’t happen overnight, but there are a few ways you can boost your credit score to lower your insurance rates.
the cheapest car insurance for young drivers in illinois: country financial
Younger drivers almost always pay much more for car insurance than older drivers, especially if they’re buying a policy on their own. The average price of auto insurance for an 18-year-old with their own policy is $5,149 per year for full coverage and $2,236 for minimum coverage.
However, some companies have cheaper prices for 18-year-old drivers. state farm has the best price for full coverage ($2,970 a year), while country financial is the most affordable option for basic protection ($1,222).
cheapest auto insurance for young drivers after a speeding ticket: state farm
Speeding tickets often have a negative impact on rates, and younger drivers are no exception. but state farm has the lowest rate available for most teens, averaging $1,406 per year. that’s 48% cheaper than the overall average rate.
cheapest auto insurance for teen drivers after an accident: state farm
drivers pay more for car insurance after an accident, especially if they are young. young drivers pay 42% more for car insurance if they have been in an accident. The company with the best overall rate is state farm, which increased rates to $1,545 per year.
Younger drivers can save money on their insurance by sharing the policy with an older adult, like a parent or sibling.
cheapest car insurance quotes for married drivers: state farm
People who are married often see lower rates on their car insurance policies because insurers have found that they are less likely to file claims. On average, we found that married drivers in Illinois save about 9% on their insurance bill compared to single drivers.
state farm has the lowest rates for married drivers, although it has not changed its rates for married drivers. progressive and country financial offer the biggest discounts to married drivers, 16% and 13% respectively.
Married drivers can save even more money on their auto insurance by getting multi-car or multi-driver discounts.
best auto insurance companies in illinois
usaa has the best overall combination of affordable service, affordable quotes, and varied coverage options, but it’s only available to people in the military and their families.
state farm also offers a great combination of affordability, helpful coverages and reliable service, and it’s more widely available.
average cost of car insurance in illinois by city
The average annual quote for full coverage auto insurance in Illinois is $1,751, although rates vary substantially by city.
The three most expensive cities for auto insurance in Illinois are Dolton, Harvey and Phoenix, which had typical quotes around $2,580. the cheapest cities are galesburg, rantoul and mahomet, with fares around $1,520 — more than $1,000 cheaper. auto insurance quotes tend to be more expensive in denser urban areas where the likelihood of an accident and filing of claims is higher.
illinois auto insurance coverage requirements
drivers in illinois must meet the state’s mandatory minimum auto insurance requirements:
illinois is not a “no-fault” state, so drivers are not required to carry personal injury protection (pip) coverage. If you don’t have comprehensive and collision insurance, which are included in a full coverage policy, your own car won’t be protected.
summary of the cheapest auto insurance quotes in illinois
frequently asked questions
We compiled thousands of illinois zip code quotes for the state’s largest insurers. We use a sample controller with the following profile:
The base policy for the study was a full coverage policy with the following limits:
For our minimum coverage policy, we quote a policy with the minimum limits required in Illinois.
For other rate analyzes (age, credit score, accident history, and marital status), the base policy has been changed to reflect the new driver.
valuepenguin’s analysis used insurance rate data from quadrant information services. These rates were obtained publicly from insurer filings and should be used for comparison purposes only; your own quotes may be different.