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Best Cheap Car Insurance in Illinois for 2019

March 20, 2019
Auto Insurance, Insurance
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

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:

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

State Farm came out cheapest for Illinois drivers with clean driving and credit histories, at about $77 per month, on average. Country and American Family round out the list, with all three coming in under $100 per month.

InsurerAverage price
*Country Financial is not rated because there is not enough data to evaluate it against larger companies.
4.0 NerdWallet rating

$923/year

$77/month

NerdWallet rating: Not rated*

$1,067/year

$89/month
4.0 NerdWallet rating

$1,193/year

$99/month
For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

Country was the cheapest carrier we found in Illinois for drivers with blemished credit, with an average rate of $131 per month. Esurance and State Farm complete the list with average annual rates only $7 apart.

InsurerAverage price
*Country Financial is not rated because there is not enough data to evaluate it against larger companies.

NerdWallet rating: Not rated*

$1,577/year

$131/month
3.5 NerdWallet rating

$1,975/year

$165/month
4.0 NerdWallet rating

$1,982/year

$165/month
Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

Illinois drivers who have caused a wreck recently might want to take a look at State Farm, the only company with an average monthly price under $100, at $92 per month. Rates tick up sharply from there, with Country and American Family coming in second and third, respectively.

InsurerAverage price
*Country Financial is not rated because there is not enough data to evaluate it against larger companies.
4.0 NerdWallet rating

$1,106/year

$92/month

NerdWallet rating: Not rated*

$1,422/year

$118/month
4.0 NerdWallet rating

$1,891/year

$158/month
To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest for low-mileage drivers

State Farm had the best price for this group, at an average $68 per month for low-mileage drivers in Illinois. Country and American Family also make the list, with very similar prices.

InsurerAverage price
*Country Financial is not rated because there is not enough data to evaluate it against larger companies.
4.0 NerdWallet rating

$821/year

$68/month

NerdWallet rating: Not rated*

$1,043/year

$87/month
4.0 NerdWallet rating

$1,046/year

$87/month
Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Honorable mention: low-mileage drivers


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  • Prices based on actual mileage.

Metromile is a company that targets drivers who clock few annual miles, often providing the cheapest rates for these drivers. We can’t get rate estimates because this company charges a monthly base rate, plus a per-mile rate each month. But the less you drive, the less you pay, and a road trip here or there won’t break the bank — the company won’t charge you for more than 250 miles per day.

Cheapest for minimum coverage

State Farm had the lowest rates for minimum coverage required in Illinois, at just $33 per month, on average. Country came in a buck per month higher, on average, and American Family was the third-cheapest.

InsurerAverage price
*Country Financial is not rated because there is not enough data to evaluate it against larger companies.
4.0 NerdWallet rating

$399/year

$33/month

NerdWallet rating: Not rated*

$410/year

$34/month
4.0 NerdWallet rating

$512/year

$43/month
We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more.

Cheap for military families


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  • Available only to active military members, veterans and their families.

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. For that reason we don’t rank it with the rest, but USAA was among the three the cheapest options for every category listed above.

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.

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:

CategoryCheapest option
Good driversState Farm
Drivers with poor creditCountry Financial
Drivers with one at-fault crashState Farm
Low-mileage driversState Farm
Minimum coverageState Farm
Cheap for military familiesUSAA

METHODOLOGY

For our base-profile driver with good credit and a clean driving history, NerdWallet averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:

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

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

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.