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 nine largest insurers in the state and found the cheapest options for these motorist groups:
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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 $1,047 per year. Country Financial fetched the cheapest average quote at $935 per year, or about $78 a month. State Farm was next, 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 $674 per year from Country Financial, which is about $56 per month. That’s $261 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 $62 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, either at renewal time or when you shop for new insurance.
The lowest average estimate for this group was $1,231 from Country Financial. That’s $296 higher than the best deal we found for drivers of the same age with no crashes. The priciest quote we retrieved was over $3,200, showing 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. Depending on your insurer, having poor credit can really cost you — even more so than causing a collision, based on our findings.
For example, Country Financial was the cheapest insurer for this group, as well as for good drivers with good credit and those with at-fault crashes. Country Financial’s price for drivers in the poor credit tier was $1,808 per year. That’s $873 higher than its quote for drivers with a clean driving history in the good credit tier and $577 more than its 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 — $822 per year from Country Financial — 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.
Cheapest for 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.
Cheapest for low-mileage drivers
If you drive very little — maybe because you don’t have a daily commute or you frequently use public transportation — consider pay-per-mile auto insurance. Metromile charges a flat monthly base rate and then a few cents per mile you drive, so you’ll have to agree to having your driving tracked. Motorists who drive less than 10,000 miles per year can save hundreds on car insurance, according to Metromile, and driving less than that means paying even less.
Minimum Illinois auto insurance requirements
Illinois law requires residents to carry liability insurance, including 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.
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 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||Country Financial|
|Drivers with one at-fault crash||Country Financial|
|Drivers with poor credit||Country Financial|
|Retired drivers||Country Financial|
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.