Cheapest Auto Insurance in Illinois (2024)
Auto-Owners offers the cheapest car insurance rates in Illinois, at $29 per month for liability-only coverage.
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Written byJanet Berry-Johnson
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Edited byAshley Cox
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Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated October 30, 2024
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Table of contents
With an average monthly cost of $131, Illinois drivers have relatively affordable car insurance compared to many other states in the U.S. It’s a good bit cheaper than the national average of $158 per month.
Many factors can affect your car insurance rates, but you have ways to find the cheapest auto insurance in Illinois. The best way to find cheap coverage is to compare car insurance quotes from multiple companies.
Quick Facts
Illinois drivers pay $79 per month for liability coverage and $183 for full-coverage insurance, on average.
The annual average for car insurance in Illinois is $1,574.
Auto-Owners, State Farm, and GEICO offer the cheapest liability car insurance in Illinois.
3 of the cheapest car insurance companies in Illinois
While the average cost of car insurance in Illinois is favorable, the company offering the best deal for you might differ based on your specific situation. Whether it’s your driving record, the type of car you own, or even your age, various factors influence the rate you’ll pay.
Below is a table showing some of the cheapest car insurance companies in Illinois, based on Insurify data.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|---|
| Auto-Owners | 8.5 | $52 | $29 |
| State Farm | 9.3 | $56 | $31 |
| USAA | 9.4 | $91 | $51 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $29/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $52/mo |
4.0
Best choiceBased on 137 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (86)
Ronald W
October 29, 2024
Verified Review
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha
October 28, 2024
Verified Review
Good
The premiums keep increasing.
Lawrence
October 24, 2024
Verified Review
Honest Answers to Questions
Please refer to my answers to the previous questions.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners consistently offers some of the most competitive rates in Illinois, ensuring drivers get maximum value for their premiums. The company also offers several discounts, including discounts for drivers who bundle policies, pay their premiums in full, and enroll in paperless billing.
Pros
AM Best financial strength rating of A++ (Superior)
Several available discounts
Broad network of local agents in Illinois
Cons
Below-average J.D. Power customer satisfaction rating in Illinois
Quotes not available online
Available in only 26 U.S. states
State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $31/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $56/mo |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest insurance company by market share and offers competitive rates to Illinois drivers. With a good student discount of up to 25% and its Steer Clear program that can help safe drivers save, this insurer is a particularly good choice for teen drivers in Illinois.
Pros
Above-average J.D. Power customer satisfaction rating in Illinois
Wide network of local agents
Long-standing history in the insurance industry
Cons
Not as many available discounts as some insurers
Gap insurance not available
Doesn’t offer accident forgiveness
USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $91/mo |
4.9
Best choiceBased on 1573 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (897)
Kent
October 29, 2024
Verified Review
Excellent
The insurance is a bit high.
Dorothy
October 29, 2024
Verified Review
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin
October 29, 2024
Verified Review
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
891NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers a variety of insurance policies for military members, veterans, and their families and is a relatively affordable option for car insurance in Illinois, where nearly 7% of the population are veterans.[1] You can also save with USAA’s many discounts, including those for safe driving, bundling policies, and installing anti-theft devices in your vehicle.
Pros
Expansive digital options for policy management
AM Best financial strength rating of A++ (Superior)
Usage-based insurance available
Cons
Only available to active-duty military members, veterans, and their families
Limited agent network
No live 24/7 customer service
How to get the cheapest car insurance in Illinois
Insurance companies use a variety of factors to determine car insurance premiums, ranging from age and driving history to the make and model of your vehicle. Understanding what influences your rate is the first step toward snagging the best deal.
Here are a few tips for finding cheap car insurance in Illinois:
Bundle policies. Many insurance companies offer discounts if you bundle your auto insurance with other policies, such as homeowners, renters, or life insurance.
Drive a safe and affordable vehicle. High-end vehicles, sports cars, and cars with poor safety ratings typically cost more to insure.
Keep a clean driving record. Insurers often reward safe drivers who avoid accidents and traffic violations with lower rates and discounts.
Compare quotes. Don’t settle for the first quote you get. Insurance companies focus on different rating factors and offer varying discounts, so it’s worth it to get multiple quotes and compare your options.
Find Cheap Car Insurance in Illinois
Rates start at $29 per month for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Illinois: Auto-Owners
Liability-only car insurance is a type of policy that covers damages you cause to other people and their property in an accident. It’s the most basic form of auto insurance and the minimum coverage required to operate a vehicle in most states.
Liability-only insurance costs an average of $79 per month in Illinois.
For Illinois residents seeking cheap liability-only car insurance, the table below provides several companies offering the lowest rates.
10 Cheapest Liability-Only Insurers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Illinois: Auto-Owners
Full-coverage car insurance offers broader coverage than liability-only car insurance. In addition to bodily injury and property damage liability, it includes collision coverage, which pays for damage to your car resulting from a collision, and comprehensive coverage, which pays for damage to your car from non-collision-related events, such as theft, vandalism, and natural disasters.
While liability-only car insurance is less expensive than full-coverage car insurance, full coverage is ideal for:
Drivers with newer or more valuable vehicles where repair and replacement costs would be high
Drivers with auto loans or leases, as lenders typically require full coverage
Drivers who want peace of mind knowing they’re covered for a broader range of incidents
Illinois drivers pay $183 per month, on average, for full-coverage policies. For drivers who want full coverage, here’s a look at some top companies offering competitive rates.
10 Cheapest Full-Coverage Insurers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Illinois
Recent Illinois car insurance prices for Dodge, Honda, Nissan , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Illinois
Illinois requires drivers to carry certain minimum amounts of car insurance to operate a vehicle legally:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
Drivers who want more protection can usually purchase higher bodily injury and property damage liability limits and should consider the following additional coverages:
Collision coverage
In the event of a collision with another vehicle or object, collision coverage kicks in to pay for vehicle repair or replacement.
Comprehensive coverage
Comprehensive insurance offers coverage from theft and damage from non-collision-related events, like fire, flood, hail, or a falling tree.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage provides protection if you’re involved in an accident with a driver who doesn’t have insurance or whose insurance doesn’t cover all the damages they’re responsible for.
Medical payments coverage
Medical payments insurance covers medical expenses for you and your passengers after an accident, regardless of fault.
Rental reimbursement coverage
This pays for the cost of a rental car while your vehicle is being repaired after a covered claim.
Towing and labor coverage
This covers the cost of towing and essential labor (like a tire change or jump-start) if your car breaks down.
Illinois Auto Insurance Plan
ILAIP
Illinois drivers who can’t find auto insurance elsewhere due to their driving record or the type of vehicle they own may be able to find coverage through the Illinois Auto Insurance Plan (ILAIP).
To participate in the program, Illinois residents must show that they’ve tried and failed to obtain automobile insurance through traditional means within the past 60 days and have a valid driver’s license and a safe vehicle.[3]
Cheapest car insurance for drivers with an incident
An incident in the context of car insurance refers to at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations that indicate a potential risk to insurance companies.
Insurance companies base rates on risk, and drivers with more incidents on their record are statistically more likely to be involved in future accidents and have claims. Therefore, if you have incidents on your driving record, you’ll likely pay more for car insurance than drivers with clean records.
But some insurers still offer favorable rates to drivers with imperfect records.
Shop for Car Insurance in Illinois
Monthly rates start at $37 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Speeding tickets are one of the most common traffic violations drivers face, so while it might not seem like a big deal, they can still affect your car insurance rates. Insurers consider drivers who speed risky, as they’re more likely to be involved in accidents. Insurance companies see this increased risk and adjust rates accordingly.
Illinois drivers with a past speeding ticket pay an average of $186 per month for car insurance. The table below shows the cheapest car insurance companies for Illinois drivers with a speeding ticket.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $29 | $38 |
| State Farm | $31 | $40 |
| GEICO | $42 | $55 |
| COUNTRY Financial | $44 | $59 |
| Progressive | $45 | $58 |
| Mile Auto | $46 | $62 |
| Erie | $48 | $64 |
| USAA | $51 | $66 |
| American Family | $55 | $71 |
| Mercury | $61 | $85 |
| Nationwide | $65 | $85 |
| Direct Auto | $68 | $88 |
| Travelers | $70 | $92 |
| Clearcover | $71 | $94 |
| Farmers | $75 | $97 |
| National General | $77 | $101 |
| Allstate | $78 | $101 |
| Safeco | $82 | $108 |
| Dairyland | $88 | $115 |
| Elephant | $94 | $132 |
| GAINSCO | $94 | $132 |
| The General | $98 | $129 |
| State Auto | $98 | $139 |
| Bristol West | $102 | $133 |
| Liberty Mutual | $128 | $180 |
| Hugo | $141 | $182 |
| Foremost | $142 | $200 |
| Root | $144 | $200 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Being involved in a car accident can be a distressing experience. When you’re deemed to be “at fault” for the accident, it implies you were primarily responsible. That can affect your car insurance premiums because it signals to insurance companies that you engaged in behavior — intentionally or not — that resulted in a claim.
Insurance companies anticipate future risks based on past events, so an at-fault accident can lead them to increase your premiums to account for potential future claims.
On average, Illinois drivers with a past at-fault accident pay $201 per month for auto coverage. The following table shows the cheapest car insurance companies for Illinois drivers with an at-fault accident on their driving record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $29 | $41 |
| State Farm | $31 | $43 |
| GEICO | $42 | $59 |
| COUNTRY Financial | $44 | $64 |
| Progressive | $45 | $64 |
| Mile Auto | $46 | $67 |
| Erie | $48 | $68 |
| USAA | $51 | $71 |
| American Family | $55 | $77 |
| Mercury | $61 | $91 |
| Nationwide | $65 | $92 |
| Direct Auto | $68 | $97 |
| Travelers | $70 | $98 |
| Clearcover | $71 | $106 |
| Farmers | $75 | $104 |
| National General | $77 | $108 |
| Allstate | $78 | $109 |
| Safeco | $82 | $112 |
| Dairyland | $88 | $122 |
| Elephant | $94 | $129 |
| GAINSCO | $94 | $126 |
| The General | $98 | $139 |
| State Auto | $98 | $149 |
| Bristol West | $102 | $142 |
| Liberty Mutual | $128 | $191 |
| Hugo | $141 | $210 |
| Foremost | $142 | $212 |
| Root | $144 | $214 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence (DUI) of alcohol or drugs is a serious offense and can lead to a substantial increase in your car insurance rates. A DUI indicates high-risk behavior to insurance companies, so having one on your record can affect your insurance rates for several years.
The overall average cost of insurance for a driver with a past DUI in Illinois is $227 per month. The table below shows the car insurance companies offering the most affordable rates for drivers in Illinois with a DUI.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $29 | $49 |
| State Farm | $31 | $52 |
| GEICO | $42 | $71 |
| COUNTRY Financial | $44 | $74 |
| Progressive | $45 | $76 |
| Mile Auto | $46 | $78 |
| Erie | $48 | $81 |
| USAA | $51 | $86 |
| American Family | $55 | $93 |
| Mercury | $61 | $95 |
| Nationwide | $65 | $110 |
| Direct Auto | $68 | $115 |
| Travelers | $70 | $118 |
| Clearcover | $71 | $120 |
| Farmers | $75 | $127 |
| National General | $77 | $130 |
| Allstate | $78 | $132 |
| Safeco | $82 | $139 |
| Dairyland | $88 | $149 |
| Elephant | $94 | $159 |
| GAINSCO | $94 | $159 |
| The General | $98 | $166 |
| State Auto | $98 | $166 |
| Bristol West | $102 | $173 |
| Liberty Mutual | $128 | $217 |
| Hugo | $141 | $239 |
| Foremost | $142 | $240 |
| Root | $144 | $244 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Your age has a significant effect on your car insurance rates. Premiums tend to decrease for drivers around age 25, when drivers have gained more experience on the road.
But car insurance rates typically increase again around age 70 due to a rise in accident rates for drivers 70 and older. On average, senior drivers pay $95 per month for car insurance.
The table below shows insurance companies offering the cheapest car insurance for seniors in Illinois.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $21 | $38 |
| State Farm | $23 | $41 |
| Progressive | $30 | $72 |
| GEICO | $31 | $56 |
| Mile Auto | $33 | $50 |
| COUNTRY Financial | $33 | $59 |
| Erie | $34 | $60 |
| USAA | $38 | $68 |
| American Family | $40 | $72 |
| Mercury | $44 | $78 |
| Nationwide | $45 | $81 |
| Direct Auto | $50 | $108 |
| Travelers | $51 | $92 |
| Farmers | $55 | $98 |
| National General | $55 | $120 |
| Clearcover | $56 | $88 |
| Allstate | $59 | $105 |
| Safeco | $65 | $97 |
| Dairyland | $66 | $180 |
| State Auto | $70 | $123 |
| Elephant | $72 | $131 |
| GAINSCO | $74 | $185 |
| The General | $75 | $200 |
| Bristol West | $77 | $192 |
| Liberty Mutual | $101 | $189 |
| Foremost | $106 | $245 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Being a teenager comes with many exciting firsts, including getting behind the wheel of a car. But with this newfound freedom comes expensive car insurance premiums. Teenagers in Illinois pay $237 per month for car insurance, on average.
Teen drivers can keep car insurance affordable by staying on their parents’ insurance, driving a safe car, and taking advantage of good student discounts.
For eager young drivers and parents looking for the best insurance deals, here’s a look at some top contenders.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $50 | $90 |
| State Farm | $54 | $97 |
| COUNTRY Financial | $65 | $116 |
| GEICO | $68 | $121 |
| Progressive | $82 | $194 |
| Erie | $82 | $146 |
| USAA | $87 | $155 |
| Mile Auto | $91 | $138 |
| American Family | $97 | $173 |
| Mercury | $112 | $196 |
| Nationwide | $115 | $204 |
| Direct Auto | $126 | $274 |
| Travelers | $129 | $230 |
| Farmers | $134 | $237 |
| Clearcover | $139 | $219 |
| Allstate | $140 | $250 |
| Dairyland | $147 | $402 |
| National General | $154 | $333 |
| Elephant | $157 | $285 |
| The General | $160 | $425 |
| Safeco | $167 | $250 |
| GAINSCO | $167 | $416 |
| Bristol West | $176 | $440 |
| State Auto | $178 | $313 |
| Liberty Mutual | $231 | $435 |
| Foremost | $257 | $596 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Illinois car insurance quotes by credit tier
In many states, including Illinois, insurance companies consider your credit history when determining your car insurance premiums.[4]
Drivers with excellent or good credit generally file fewer claims, so they pay lower premiums. People with poor credit are statistically more likely to file claims, so insurance companies charge them higher premiums.
For Illinois residents wondering how credit tiers affect their monthly premiums, here’s a snapshot of average rates at different credit tiers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Illinois car insurance FAQs
Finding the right car insurance can be a challenge. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Illinois.
How much is car insurance in Illinois?
The average cost of car insurance in Illinois is $131 per month. Illinois drivers pay $79 per month for liability coverage and $183 for full coverage. How much you pay for your policy depends on your driving record, age, credit history, and more.
Which company has the cheapest car insurance in Illinois?
Auto-Owners offers the cheapest car insurance in Illinois, with a monthly rate of $29 for liability coverage. State Farm has the second-cheapest liability coverage rate in the state, at $31 per month. GEICO is the third-cheapest Illinois insurer, with a rate of $42 per month for liability coverage.
You should compare quotes from multiple insurers to find the cheapest car insurance.
How can you get cheap car insurance in Illinois?
The best way to get cheap car insurance in Illinois is by comparing car insurance quotes from multiple insurance companies. Each insurer weighs driving factors differently, so one may offer cheaper rates than another for the same coverage. Maintaining a clean driving record and applying for discounts can also help you keep your car insurance rates low.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
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Sources
- United States Department of Veterans Affairs. "Illinois."
- Illinois Department of Insurance. "Mandatory Vehicle Insurance."
- Illinois Department of Insurance. "Auto Insurance Shopping Guide."
- Illinois Department of Insurance. "Credit - How Insurers Use It."
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Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
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Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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