$25/mo
$27/mo
$32/mo
The car insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com.
The car owners in Illinois pays on an average of $871 for six months for car insurance, which is less than the national average. Mercury offers cheap and the best rates in Illinois.
Mercury offers the cheapest liability coverage in Illinois at $25/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Illinois ↓
American Family provides cheap full insurance coverage in Illinois at $61/month, offering excellent value.
Read about the cheapest full coverage companies in Illinois ↓
American Family is the cheapest option after an at-fault accident in Illinois at $40 per month.
Read more about best car insurance companies after at-fault accident in Illinois ↓
American Family was named the best overall by J.D. Power and AM Best, making it a top pick among Illinois’s best car insurers.
Check out the full list of the best car insurance companies in Illinois ↓For drivers looking to meet Illinois minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Illinois is widely available from providers like Mercury at $25/month. If you opt for AAA you will have to pay at least $43/month for your car insurance premium, which is the highest in Illinois.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $149 | $25 |
| Westfield | $160 | $27 |
| Auto-Owners Insurance Co | $190 | $32 |
| American Family | $202 | $34 |
| Erie | $249 | $42 |
| Travelers | $273 | $46 |
| Auto-Owners | $279 | $47 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis American Family offers the cheapest car insurance for full coverage in Illinois at $61 per month. On the other hand Hanover offers the most expensive rate at $156 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $356 | $61 |
| Auto-Owners Insurance Co | $446 | $74 |
| Westfield | $505 | $86 |
| Travelers | $647 | $109 |
| Country Financial | $689 | $116 |
| Erie | $802 | $135 |
| USAA | $956 | $161 |
Get Your Car Insurance Quote in Illinois Instantly!
American Family stands out as the best car insurance provider in Illinois, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Country Financial is a top pick for drivers seeking value and reliability.
American Family offers a six-month premium of $279, which amounts to approximately $47 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of Country Financial is $303, which is higher than American Family's by $24. Their higher monthly premium is, due to their strict policies on traffic violations.
Auto-Owners Insurance Co's premium is $315, which is significantly more expensive than Country Financial's by $12. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $279 | $47 |
| Country Financial | $303 | $50 |
| Auto-Owners Insurance Co | $315 | $54 |
| Travelers | $327 | $54 |
| Mercury | $368 | $63 |
| Westfield | $582 | $98 |
| Erie | $766 | $130 |
Teens and young drivers in Illinois often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Illinois is
$1421 for 6 months, which is less than the national average.
Westfield is the best options for cheap
car insurance for young drivers in Illinois.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $190 | $32 |
| American Family | $220 | $37 |
| Mercury | $220 | $37 |
| Auto-Owners Insurance Co | $238 | $40 |
| Farmers | $386 | $64 |
| Country Financial | $1081 | $182 |
| Travelers | $1129 | $190 |
Car insurance rates in Illinois have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Illinois dipped by $169 in Jan compared to $193 of Dec. In other words, there has been an decrease by $24 when you compare Jan and Dec.
The average cost of liability insurance in the Illinois dipped to $51 in Jan, compared to $53 in Dec. This represents an decrease of $2 when comparing Jan and Dec.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that American Family gives you the cheapest car insurance rate after an at-fault accident in Illinois at $40/month. On the other hand AAA is the most expensive option at $72/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $238 | $40 |
| Auto-Owners Insurance Co | $249 | $42 |
| Westfield | $255 | $43 |
| Mercury | $327 | $56 |
| Farmers | $487 | $81 |
| Travelers | $600 | $101 |
| Erie | $743 | $125 |
If you are living in Illinois you should opt for American Family. American Family ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Illinois, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Illinois may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Illinois after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $980 | $163 |
| One Med/PIP claim | $986 | $168 |
| Not-at-fault accident | $1040 | $173 |
| One comp claim | $1063 | $181 |
| Two Med/PIP claims | $1063 | $177 |
| Failure to wear a seat belt | $1140 | $194 |
| Driving without lights | $1152 | $192 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Illinois is Mercury at $38 per month. Farmers at $433 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $226 | $38 |
| American Family | $238 | $40 |
| Travelers | $636 | $107 |
| Progressive | $766 | $129 |
| Erie | $915 | $154 |
| Country Financial | $1063 | $179 |
| USAA | $1461 | $246 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Springfield | $832 | $140 |
| Peoria | $838 | $141 |
| Naperville | $849 | $143 |
| Elgin | $855 | $144 |
| Aurora | $867 | $146 |
| Rockford | $891 | $150 |
| Joliet | $939 | $158 |
| Chenoa | $992 | $165 |
| Fairbury | $1004 | $171 |
| Rock Falls | $1010 | $168 |
| Forrest | $1022 | $174 |
| Pontiac | $1022 | $170 |
