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Best Cheap Car Insurance in Illinois for 2021

May 24, 2021
Auto Insurance, Insurance
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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.

Cheapest Car Insurance Company Overall in Illinois
Pekin$58/monthNot yet rated.
Cheapest for Minimum Coverage
Pekin$20/monthNot yet rated.
Cheapest for Young Drivers
Geico$44/month
4.5 NerdWallet rating
Cheapest for Drivers with Poor Credit
Pekin$109/monthNot yet rated.

 

 

To help drivers in Illinois get the best deal possible, NerdWallet collected rates from 41 insurers in the state and found the cheapest options for several motorist groups.

» Are you a Chicago-area resident? Find The Best Cheap Car Insurance in Chicago

Cheapest car insurance for 20-year-old drivers in Illinois

Young drivers may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. To cut down on costs, young drivers might want to consider buying only state-mandated coverage, rather than full coverage insurance. Still, some companies routinely have lower insurance rates for drivers in their 20s, so it's best to shop around to find them.

Many insurance companies offer ways for young drivers to save, such as good student discounts for those in college or premium reductions for those who take a defensive driving course. If you live in an apartment, consider getting your renters and auto insurance from the same company to take advantage of bundling discounts.

Cheapest full coverage car insurance in Illinois for 20-year-olds

Drivers in Illinois with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Pekin: $1,438 per year.
  2. Secura: $1,707 per year.
  3. Erie: $1,721 per year.
  4. Travelers: $1,873 per year.
  5. Geico: $1,908 per year.

Cheapest minimum coverage car insurance in Illinois for 20-year-olds

Drivers in Illinois who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $522 per year.
  2. Pekin: $604 per year.
  3. Erie: $635 per year.
  4. Travelers: $702 per year.
  5. Secura: $725 per year.

Cheapest auto insurance in Illinois for 20-year-olds with poor credit

Drivers with poor credit in Illinois should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $741 per year.
  2. Travelers: $1,070 per year.
  3. Grange: $1,101 per year.
  4. Pekin: $1,102 per year.
  5. Country Financial: $1,163 per year.

Cheapest auto insurance in Illinois for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Illinois, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $726 per year.
  2. Pekin: $807 per year.
  3. Erie: $818 per year.
  4. Travelers: $909 per year.
  5. Country Financial: $931 per year.

Cheapest auto insurance in Illinois for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

  1. Grange: $893 per year.
  2. Erie: $936 per year.
  3. Geico: $1,030 per year.
  4. Travelers: $1,042 per year.
  5. Progressive: $1,085 per year.

Cheapest car insurance in Illinois for 30-year-old drivers

By the time they reach their 30s, most drivers enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices.

Drivers in their 30s can get lower rates by shopping around and taking advantage of car insurance discounts. You may be able to save by insuring multiple vehicles with the same carrier, or by bundling your auto policy with your home insurance. Also, keep an eye out for discounts based on your profession or affiliations; some insurers offer more affordable insurance rates for teachers, members of the military or alumni of certain colleges.

Cheapest full coverage car insurance in Illinois for 30-year-olds

Drivers in Illinois with clean driving records may get the lowest rates from these companies:

  1. Pekin: $691 per year.
  2. Secura: $849 per year.
  3. Geico: $912 per year.
  4. Rockford Mutual: $987 per year.
  5. Grange: $1,014 per year.

Cheapest minimum coverage car insurance in Illinois for 30-year-olds

Drivers in Illinois who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

  1. Pekin: $237 per year.
  2. Geico: $250 per year.
  3. Grange: $321 per year.
  4. Rockford Mutual: $332 per year.
  5. State Farm: $335 per year.

Cheapest auto insurance in Illinois for 30-year-olds with poor credit

Drivers with poor credit in Illinois should consider the following companies with the lowest average rates for full coverage:

  1. Pekin: $1,305 per year.
  2. Grange: $1,336 per year.
  3. Geico: $1,342 per year.
  4. Hastings Mutual: $1,515 per year.
  5. Secura: $1,524 per year.

Cheapest auto insurance in Illinois for 30-year-old drivers with one at-fault crash

For drivers in Illinois with a recent accident, here are the lowest average rate options for full coverage:

  1. Pekin: $916 per year.
  2. Secura: $1,270 per year.
  3. State Farm: $1,287 per year.
  4. Erie: $1,328 per year.
  5. Grange: $1,390 per year.

Cheapest auto insurance in Illinois for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Grange: $1,147 per year.
  2. Pekin: $1,392 per year.
  3. Progressive: $1,473 per year.
  4. State Farm: $1,483 per year.
  5. Erie: $1,588 per year.

Cheapest car insurance in Illinois for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Ask about discounts for signing up for autopay, paying your premium in full rather than quarterly or monthly, and opting for electronic statements. If you own your home, consider insuring it with the company that provides your auto insurance; most carriers offer bundling discounts.

Cheapest full coverage car insurance in Illinois for 40-year-olds

Drivers in Illinois with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Pekin: $638 per year.
  2. Secura: $784 per year.
  3. Geico: $861 per year.
  4. Erie: $914 per year.
  5. Grange: $930 per year.

Cheapest minimum coverage car insurance in Illinois for 40-year-olds

Drivers in Illinois who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Pekin: $217 per year.
  2. Geico: $242 per year.
  3. Grange: $290 per year.
  4. Secura: $320 per year.
  5. First Chicago: $324 per year.

Cheapest auto insurance in Illinois for 40-year-olds with poor credit in Illinois

Drivers with poor credit in Illinois can check out the following insurers with the lowest average rates for full coverage:

  1. Pekin: $1,202 per year.
  2. Grange: $1,216 per year.
  3. Geico: $1,251 per year.
  4. Hastings Mutual: $1,322 per year.
  5. Secura: $1,406 per year.

Cheapest auto insurance in Illinois for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Illinois, here are the companies with the lowest average rates for full coverage:

  1. Pekin: $843 per year.
  2. Secura: $1,172 per year.
  3. Erie: $1,193 per year.
  4. State Farm: $1,258 per year.
  5. Grange: $1,299 per year.

Cheapest auto insurance in Illinois for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Grange: $1,059 per year.
  2. Pekin: $1,280 per year.
  3. Progressive: $1,353 per year.
  4. Erie: $1,425 per year.
  5. Mercury: $1,434 per year.

Cheapest car insurance in Illinois for 50-year-old drivers

Drivers in their 50s have, on average, cheaper auto insurance rates than most other age groups. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the cheapest price you can. Our list of the best cheap car insurance companies is a good place to start.

Some insurers offer senior discounts to policyholders in their 50s, though some may require you to take a defensive driving course to snag the savings. If you’ve been with your insurer for many years, you may qualify for a loyalty discount. Still, it’s a good idea to check with other companies periodically to make sure you’re not paying too much.

Cheapest full coverage car insurance in Illinois for 50-year-olds

Drivers in Illinois with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Pekin: $615 per year.
  2. Secura: $760 per year.
  3. Geico: $797 per year.
  4. Hastings Mutual: $820 per year.
  5. Erie: $835 per year.

Cheapest minimum coverage car insurance in Illinois for 50-year-olds

Drivers in Illinois who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Pekin: $211 per year.
  2. Geico: $232 per year.
  3. Rockford Mutual: $283 per year.
  4. First Chicago: $294 per year.
  5. Erie: $310 per year.

Cheapest auto insurance in Illinois for 50-year-olds with poor credit

Drivers with poor credit in Illinois can check with the following companies, which showed the lowest average rates for full coverage:

  1. Hastings Mutual: $1,106 per year.
  2. Geico: $1,156 per year.
  3. Pekin: $1,158 per year.
  4. Grange: $1,322 per year.
  5. Secura: $1,363 per year.

Cheapest auto insurance in Illinois for 50-year-old drivers with one at-fault crash

For drivers living in Illinois with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Pekin: $813 per year.
  2. Erie: $1,089 per year.
  3. Secura: $1,140 per year.
  4. State Farm: $1,228 per year.
  5. Travelers: $1,350 per year.

Cheapest auto insurance in Illinois for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Grange: $1,156 per year.
  2. Pekin: $1,235 per year.
  3. Progressive: $1,247 per year.
  4. Erie: $1,300 per year.
  5. Mercury: $1,396 per year.

Cheapest car insurance in Illinois for 65-year-old drivers

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should shop around to find the lowest rate.

Drivers in this age group should also take advantage of any available discounts for senior citizens. For example, some companies will discount your rate if you take a defensive driving course. You may also be able to save money after retirement if you’re driving fewer miles each year.

Finally, consider whether you need all the coverage you currently have. If you’re not commuting to work each day, for instance, you may not need rental reimbursement coverage when your own car is in the shop for repairs.

Cheapest full coverage car insurance in Illinois for 65-year-olds

Drivers in Illinois with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Pekin: $639 per year.
  2. Secura: $790 per year.
  3. Geico: $806 per year.
  4. Erie: $859 per year.
  5. Rockford Mutual: $879 per year.

Cheapest minimum coverage car insurance in Illinois for 65-year-olds

Drivers in Illinois who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Pekin: $237 per year.
  2. Geico: $242 per year.
  3. First Chicago: $308 per year.
  4. Grange: $311 per year.
  5. Rockford Mutual: $311 per year.

Cheapest auto insurance in Illinois for 65-year-olds with poor credit

Drivers with poor credit in Illinois can look at the following companies with the lowest average rates for full coverage:

  1. Grange: $1,130 per year.
  2. Geico: $1,149 per year.
  3. Pekin: $1,205 per year.
  4. Hastings Mutual: $1,259 per year.
  5. Secura: $1,420 per year.

Cheapest auto insurance in Illinois for 65-year-old drivers with one at-fault crash

For drivers with a recent accident living in Illinois, here are the companies with the lowest average rates for full coverage:

  1. Pekin: $849 per year.
  2. Erie: $1,123 per year.
  3. State Farm: $1,147 per year.
  4. Secura: $1,197 per year.
  5. Grange: $1,249 per year.

Cheapest auto insurance in Illinois for 65-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Grange: $1,007 per year.
  2. Pekin: $1,299 per year.
  3. Progressive: $1,310 per year.
  4. State Farm: $1,327 per year.
  5. Erie: $1,342 per year.

Minimum auto insurance limits required in Illinois

Illinois law requires residents to carry liability insurance, including uninsured/underinsured 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.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.

Personal injury protection will cover your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your state, PIP may also pay for:

  • Lost wages if you’re unable to work due to injuries from an accident.
  • Services you can no longer perform, like house cleaning or child care, because of your injuries.
  • Funeral costs if an accident-related injury leads to death.
  • A small death benefit as a cash payout.

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.

The Illinois secretary of state randomly selects registered vehicles and requires their owners to prove they have insurance via questionnaire. Residents who fail to fill out the form or who report they don’t have insurance will have their license plates suspended.

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 car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.
  • $300,000 bodily injury liability per accident.
  • $50,000 property damage liability per accident.
  • $100,000 uninsured motorist coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

  • We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.
  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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