If you’re looking for cheap car insurance in Illinois, comparing rates from several companies is key. Rates can spike or dip from one company to the next for seemingly no reason, so shopping around is the best way to avoid getting stuck with sky-high prices.
To help drivers in Illinois get the best deal possible, NerdWallet collected rates from the eight largest insurers in the state and found the cheapest options for these motorist groups:
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» FIND YOUR MATCH: Who’s the cheapest carrier for you?
Cheapest for good drivers
For drivers with no at-fault accidents, DUIs or moving violations.
The average rate for good drivers in Illinois among the three cheapest companies was roughly $991 per year. Country Financial fetched the cheapest average quote at $959 per year, or about $80 a month. State Farm was next, with almost identical sample rates as Country Financial, and American Family rounded out the list of best options.
To potentially save on your policy, look into discounts targeted toward safe drivers, such as those for avoiding accidents or claims for an extended period.
Cheapest for young drivers
For drivers in their early 20s.
Drivers in their early 20s usually don’t have significant savings to lose in a crash lawsuit and can often get by with leaner coverage than older motorists. We looked at quotes for young drivers carrying the minimum required coverage limits and found pretty cheap car insurance in Illinois.
The lowest price we found was $660 per year from State Farm. That’s about $300 less than the best deal available for 30-year-old good drivers, who had fuller policies. All three of the cheapest options for young drivers had rates under $59 a month.
Cheapest for drivers with one at-fault crash
At-fault crashes typically result in your insurer having to pay for others’ damage. That’s why if you cause a collision, you can generally expect a rate increase.
The lowest average estimate for this group was $1,154 per year from State Farm. That’s $195 higher than the best deal we found for drivers of the same age with no crashes. The priciest quote we retrieved was over $3,500, however, which goes to show the importance of shopping around, even if you have a blemished driving record.
Cheapest for drivers with poor credit
For drivers placed in the “poor credit” tier.
Credit-based insurance scores are one of the factors companies can use to determine rates. In Illinois, having poor credit can really cost drivers — even more so than causing a collision, based on our findings.
For example, American Family had the lowest price for this group at $1,747 per year. That’s $788 higher than the best deal we found for good drivers with ideal credit and $593 more than the cheapest quote for drivers with one at-fault crash.
Cheapest for retired drivers
For drivers in their mid- to late 60s who no longer use their car for commuting.
Older drivers might fear rising auto insurance costs as they age. But our research found that the lowest average quote for retired motorists in Illinois — $737 per year from State Farm — was far cheaper than the best deal for 30-year-old good drivers.
The biggest reason for this price difference is that retired drivers usually travel significantly fewer miles per year than those who commute daily. To reflect this, we sampled rates for older motorists who drive half as much as other groups.
Drivers with a military connection
If you’re an active military member or a veteran — or have an immediate family member who is — you’ll most likely find pretty cheap car insurance in Illinois from USAA, a company that’s not available to the general public. In fact, USAA was the cheapest option for every category listed above.
Minimum Illinois auto insurance requirements
Illinois law requires residents to carry liability insurance and uninsured motorist bodily injury coverage (UMBI) in the following amounts:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per incident
- $20,000 property damage liability per incident
- $25,000 UMBI per person
- $50,000 UMBI per incident
Even though this will be enough to drive legally, you may want more than the minimum requirements. Imagine causing a crash and totaling another person’s car, for instance. The damages could easily top your $20,000 liability limit, and the remaining balance would have to come out of your pocket.
Check out NerdWallet’s guide to car insurance requirements by state to learn more about coverage options for your policy in the Land of Lincoln.
Alternative car insurance in Illinois
High-risk drivers who are denied car insurance on the voluntary market because of prior crashes, DUIs, poor credit or other factors can seek coverage through the Illinois Automobile Insurance Plan.
For even more help finding cheap car insurance in Illinois, try NerdWallet’s auto insurance quotes comparison tool.
Here’s a summary of where you’ll find the cheapest insurance, by category:
Cheapest car insurance in Illinois
|Good drivers||Country Financial|
|Young drivers||State Farm|
|Drivers with one at-fault crash||State Farm|
|Drivers with poor credit||American Family|
|Retired drivers||State Farm|
For most categories, NerdWallet averaged rates for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $50,000 property damage liability coverage per accident
- $100,000 uninsured motorist bodily injury coverage per person
- $300,000 uninsured motorist bodily injury coverage per accident
- Collision coverage with $1,000 deductible
- Comprehensive coverage with $1,000 deductible
We used a 2013 Toyota Camry in all cases. Our sample retired driver was 67 and drove 50% fewer annual miles than other groups. Our sample young driver was 22 and carried the minimum required coverage levels. These are sample rates generated through Quadrant Information Services. Your own rates will be different.