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Geico provides the cheapest full coverage car insurance in Illinois at about $798 a year. Your specific rates may vary, but the average full coverage car insurance premium in Illinois is $131 per month, according to Insure.com’s 2022 rate analysis.

Car insurance is a legal requirement in most states, and Illinois is no exception. Illinois drivers are required to carry at least the minimum amount of liability coverage—$20,000 of personal property coverage per person, $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

What is full coverage car insurance in Illinois?

Full coverage car insurance includes bodily injury and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.

If you lease or finance your car in Illinois, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Average full coverage car insurance cost in Illinois

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. Average cost of full coverage car insurance in Illinois is 6% less than the national average cost of full coverage insurance in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

Cheapest full coverage car insurance rate in Illinois by company

Geico offers the cheapest full coverage car insurance in Illinois an average of $798 per year. It’s 49% less expensive than the average full coverage car insurance cost in Illinois. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from major insurance companies.

CompanyFull coverage insurance cost
Geico$798
Nationwide$1,077
Travelers$1,077
State Farm$1,104
Auto-Owners$1,127
Mercury Insurance$1,195
American Family$1,201
Erie Insurance$1,239
USAA$1,317
Progressive$1,414
Auto Club$1,654
Automobile Club MI$2,303
Allstate$2,451
Farmers Insurance$2,855

Full coverage car insurance cost in Illinois by ZIP code

Full coverage car insurance premiums vary significantly by ZIP code. Insurance companies consider factors such as the crime rate in an area, the number of claims filed, types of claims filed to determine annual premiums. Below are the least and most expensive ZIP codes for full coverage car insurance.

Most expensive ZIP codes for car insurance in Illinois

Drivers living in the ZIP code 60624 pay the highest premiums at about $2,919 a year. ZIP codes with a higher number of car thefts or vandalism also tend to have higher car insurance rates.

Find below the most expensive ZIP codes for car insurance in Illinois.

ZIP codeFull coverage insurance cost
60624$2,919
60623$2,890
60644$2,864
60651$2,856
60636$2,782
60621$2,767
60620$2,754
60628$2,735
60619$2,695
60649$2,693

Least expensive ZIP codes for car insurance in Illinois

61704 ZIP code in Illinois has the cheapest full coverage auto insurance cost at an average price of $1,311 annually. Know the least expensive ZIP codes for car insurance in Illinois below.

ZIP codeFull coverage insurance cost
61704$1,311
61701$1,322
62301$1,335
61705$1,340
61910$1,342
61953$1,342
61761$1,344
61938$1,348
61913$1,350
62305$1,350

Illinois full coverage car insurance rate by age

Young drivers in Illinois tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 480% more than a 40-year-old mature driver in Illinois, based on Insure.com’s analysis.

The table below shows full coverage car insurance rates for drivers of different ages:

Age groupFull coverage annual premiums
Teen drivers (age 16-19)$6,457
Young drivers (age 20-24)$3,023
Adult drivers (age 25-64)$1,629
Senior drivers (age 65+)$1,537

Read our Guide to car insurance for teens for more information

Car insurance rates in Illinois by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap full coverage car insurance.

Cheapest full coverage car insurance after a speeding ticket in Illinois

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up. A single speeding ticket can increase your rates by 29% or $459 in Illinois, based on Insure.com data.

But if you’re looking for affordable coverage, below are some insurers that offer cheap full-coverage car insurance after a speeding ticket.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
Geico$738$1,17359%$435
Auto-Owners$1,061$1,21815%$157
State Farm$1,131$1,2369%$105
Nationwide$984$1,27830%$294
Erie$1,193$1,32011%$126
Travelers$1,139$1,56337%$424
American Family$1,196$1,59133%$394
Mercury$1,143$1,60340%$459
USAA$1,280$1,61326%$333
Progressive$1,355$1,87939%$525
Auto Club Entreprises$1,806$2,52440%$718
Allstate$2,332$3,11834%$787
Farmers$2,839$3,28516%$445
Automobile Club of MI$2,576$4,02656%$1,450

Cheapest full coverage car insurance after an accident in Illinois

No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.

Geico offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1210 a year. Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
Geico$738$1,21064%$472
American Family$1,196$1,2595%$63
State Farm$1,131$1,34219%$211
Auto-Owners$1,061$1,35928%$298
Nationwide$984$1,49552%$511
Erie$1,193$1,62636%$433
Travelers$1,139$1,63944%$500
USAA$1,280$1,90349%$624
Progressive$1,355$2,07953%$725
Mercury$1,143$2,288100%$1,145
Auto Club Entreprises$1,806$2,76853%$962
Automobile Club of MI$2,576$3,97754%$1,402
Farmers$2,839$4,31252%$1,472
Allstate$2,332$4,40289%$2,070

Cheapest full coverage car insurance after a DUI conviction in Illinois

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$1,131$1,2369%$105
Mercury$1,143$1,53534%$392
Progressive$1,355$1,56115%$207
Geico$738$1,565112%$827
American Family$1,196$1,59133%$394
Travelers$1,139$1,80358%$664
Nationwide$984$1,91895%$934
Erie$1,193$1,93362%$740
Auto-Owners$1,061$2,04292%$981
USAA$1,280$2,660108%$1,380
Auto Club Entreprises$1,806$3,37287%$1,565
Allstate$2,332$3,74160%$1,409
Farmers$2,839$5,31787%$2,478
Automobile Club of MI$2,576$7,591195%$5,015

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy.

Source:

Methodology

Insure.com gathered the quotes with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across Illinois.

The full coverage rates are based on a sample driver profile of a 40-year-old man with a driving record and good credit score.

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Nupur Gambhir
Managing Editor

 
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.