Best car insurance companies in Illinois
Fact-checked with HomeInsurance.com
Car insurance can take a significant chunk out of your paycheck, but if you live in Illinois you’re in luck: the average cost for insurance is $1,404 a year for full coverage — $151 less than the national average of $1,555. That said, you’ll want to shop around and get several quotes from insurers to find the best car insurance companies in Illinois that will fit your needs.
Insurance prices are likely lower in Illinois for a few reasons:
- The state is at low-risk of hurricanes and other natural disasters that can damage cars.
- Large parts of Illinois are rural, where car accidents are generally less common.
- Illinois isn’t a no-fault state, so drivers aren’t required to carry personal injury protection coverage.
There are a few things you can do to take advantage of lower Illinois car insurance premiums. Maintaining a clean driving record, for example, will earn you significant savings on car insurance — compared to having a speeding ticket or accident on your record, which can add $300-$600 on average annual premiums.
|Clean record||1 speeding ticket||1 accident|
Top 5 insurance companies in Illinois
- Allstate: Best extras
- American Family: Most affordable
- Erie: Best customer service
- Progressive: Best online quote experience
- State Farm: Best for young drivers
|Company||J.D. Power Score||AM Best||Discounts offered||Average rate|
|Allstate||3/5||A- (Excellent)||Early signing, safe driving||$1,551|
|American Family||3/5||A (Excellent)||Loyalty, multi-product||$1,141|
|Erie||5/5||A+(Superior||Multi-product, young driver||$1,197|
|Progressive||3/5||A+ (Superior)||Paperless billing, good student||$1,675|
|State Farm||4/5||A++ (Superior)||Steer Clear, Drive Safe and Save||$1,229|
Allstate: Best extras
In addition to a nice range of discounts, Allstate offers some unexpected bonuses for policyholders. This includes a claim satisfaction guarantee and Allstate Rewards, which allows safe drivers to earn points for good driving habits that can be redeemed for gift cards, designer products and more.
American Family: Most affordable
American Family had the most competitive quotes of all the insurers Coverage queried, with an average cost for full coverage of $1,141 a year. That’s $263 less than the state average, annually. Discounts such as young drivers and family, multi-product and seniors may make your rate even lower.
Erie: Best customer service
Erie insurance is one of few companies that has received a five Power-Circle rating from J.D. Power in the 2019 auto claims satisfaction study. This high ranking speaks to the company’s overall customer service, claims handling and billing process — all good factors to consider when you’re looking for the best car insurance in Illinois.
Progressive: Best online quote experience
For getting a customized quote for your insurance needs, Progressive is a top contender. Its Name Your Price tool allows you to input a number that works for your wallet, and it will show you the best coverage options available. No tinkering with your budget or hunting for discounts — just a simple, effective customer service experience for your comparison purposes.
State Farm: Best for young drivers
State Farm works hard to make sure young adults are rewarded for good driving habits. The Steer Clear program offers a discount for safe driving for those under 25, and features videos and other educational materials to help those who are new behind the wheel get up to speed quickly. Given the average cost of car insurance for younger drivers is typically much higher than middle-aged adults, this can be a significant benefit.
Car insurance in Illinois by city
In addition to varied rates by state, cities also have a high geographical impact, as shown in the table below.
|City||Full coverage annual rate||Minimum coverage annual rate|
Tying for the highest rates in the state, Chicago rates are understandably high. Its dense population means more cars, more traffic — often resulting in more car accidents — as well as high crime rates. Chicago is also notorious for fierce snowstorms, which play a role in the many accidents that occur during the winter months.
Aurora’s average rate for full coverage is exactly the same as Chicago’s, at $1,830 a year. However, average rates for minimal coverage are lower than Chicago’s by more than $100. This may be due to a much lower population density, as Aurora only has 197,757 residents, compared to Chicago’s nearly 2.7 million.
Rockford has been named one of the most dangerous cities in the U.S., based on FBI data, and this undoubtedly plays a role in Rockford’s car insurance rates. Although city officials are working hard to counter that data, high incidents of car theft are something that insurers take seriously, and residents may see that reflected in rates. Compared to rates within Illinois and the national average, Rockford’s rates are still fairly competitive overall.
Joliet’s premium rates are fairly low, with an average of $1,398 for full coverage and just $472 for minimum coverage. Joliet’s citizens have statistically longer commutes to work, since the city is spread out over a large area, and that may increase premium costs by a small margin.
The third largest city in Illinois, Naperville’s car insurance rates are the cheapest of any urban area in the state. Naperville has relatively low crime rates, compared to other large urban areas, and this may strongly contribute to the city’s insurance more competitive rates.
Illinois car insurance considerations
With its long north-south axis, weather patterns in Illinois favor severe seasonal storm conditions in the north, and tornadoes in the south. This makes comprehensive coverage — which pays for damage to your car from natural disasters — a smart choice for Illinois drivers.
13.7% of Illinois’ drivers are uninsured, which means they likely do not have the resources to pay for legal costs or hospital bills in an accident. Illinois car insurance companies offer uninsured and underinsured motorist coverage to help counter that possibility.
In addition, drivers are required to have minimum levels of liability insurance to drive legally in Illinois, with the minimum coverage set at 25/50/20.
Illinois minimum liability requirements
Minimum coverage in Illinois is fairly high compared to other states. Bodily injury liability covers costs incurred by the other driver and their passengers in an accident. Property damage liability covers repairs to the other driver’s car or other damaged property in an accident.
Illinois’ minimum coverage is 25/50/20, which means:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
How we chose the best car insurance providers in Illinois
Coverage evaluated Illinois car insurance providers on the basis of several parameters. We looked for companies offering competitive rates and a broad range of coverage options. A good range of discounts was a plus, since that makes low rates even lower.
We also looked at the ratings of consumer satisfaction companies, such as J.D. Power, to see what actual customers thought of the service they received from their insurer. Finally, we checked each company’s ratings with AM Best, Moody’s and Standard and Poor to be sure that the company was financially sound and able to pay out on claims, even in the event of a regional disaster.
Other car insurance providers in Illinois to consider
In addition to the carriers noted above, here are a few other insurance companies in Illinois that are worth including in your comparison. Each offers competitive pricing and a solid range of coverage options and discounts.
|Company||J.D. Power Score/5||AM Best||Discounts offered||Average rate|
|AAA||4/5||A – (Excellent)||Multi-vehicle, group affinity||$2,661|
|Country Financial||5/5||A+ (Superior)||Advanced quote, engaged couple||$1,410|
|Farmers||3/5||B++ (Good)||Safe driver, |
Pay in full
|Travelers||2/5||A++(Superior)||EFT, hybrid/electric vehicle||$1,227|
Every AAA regional organization offers its own car insurance, so comparing specifics is inconsistent nationwide. That said, if you’re a AAA member, you will likely qualify for a generous variety of discounts and member benefits. Non-members can apply, too, but will not benefit from lower rates from certain discounts.
Country Financial received a coveted 5/5 Power Circle rating with J.D. Powers, which indicates that its customer service is top notch, and you should have no trouble with claims management. The company has some unique discounts as well, including 25% off for engaged couples and an occupation discount for teachers, firefighters and other service professions.
Farmers offers some nice perks, such as accident forgiveness, which allows you one at-fault accident every three years without raising your rates. The company’s discounts are geared toward safety, with features such as an anti-theft device, air bags and driver training, which can lower premiums overall.
Travelers is one of the few companies to offer a discount for owners of hybrid or electric cars — so you can save money on the basis of your environmentally-conscious vehicle choice. Other discounts include those for early quotes, driver training, and student-away-at-school. Travelers’ supplemental coverage options — such as ride-sharing and accident forgiveness — let you customize your policy to fit your own circumstances.
Coverage Utilizes Quadrant Information Services to analyse quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30-year-male and female with clean driving records, good credit and the following full coverage details:
- $100k bodily injury liability per person
- $300k bodily injury liability coverage per crash
- $100k property damage liability coverage per crash
- $500 collision coverage deductible
- $500 comprehensive coverage deductible
Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.