Low-cost car insurance in Illinois

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

In Illinois, GEICO offers the cheapest average premium at $1,451 per year. For comparison, the statewide average monthly cost is $158, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Illinois, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

GEICO has the lowest average car insurance premium in Illinois, costing $1,451 per year. That’s $450 the state average.
For drivers with an at-fault accident on record, Travelers offers the most affordable coverage at around $2,114 annually.
The 60178 ZIP code stands out as the cheapest area for auto insurance in Illinois, with an average yearly cost of $1,533.

Low-cost car insurance companies in Illinois

Among all insurers in Illinois, GEICO comes in lowest at $1,451 per year – $450 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Illinois.

Company	Average annual rates
GEICO	$1,451
Travelers	$1,455
Auto Club Group – ACG (AAA)	$1,834
Erie Insurance	$2,018
Auto-Owners	$2,031
Country Financial	$2,060
Progressive	$2,166
Allstate	$2,869
USAA*	$1,638

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Illinois

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Illinois

Drivers in the 60178 ZIP code pay the lowest average annual premium in Illinois, at $1,533. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
60178	Sycamore	$1,533
61761	Normal	$1,545
60135	Genoa	$1,550
60151	Virgil	$1,551
60150	Malta	$1,552
60112	Cortland	$1,558
61037	Galt	$1,562
60520	Hinckley	$1,568
60142	Huntley	$1,571
61739	Fairbury	$1,571

You might find interesting

Explore related topics

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Illinois by city

See rates in your city

Aurora

Chicago

Naperville

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Low-cost car insurance in Illinois by age

Young drivers often face the highest premiums. In Illinois, for example, a 16-year-old pays $6,474 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$5,925
Young Adults (20-24)	$3,048
Adults (25-60)	$1,924
Seniors (65-75)	$1,805

Low-cost car insurance in Illinois by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Illinois

A single speeding ticket in Illinois can push your rates up by 35%, or about $674. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,455	$2,089	44%	$634
Erie Insurance	$2,018	$2,233	11%	$215
Auto Club Group – ACG (AAA)	$1,834	$2,290	25%	$456
GEICO	$1,451	$2,609	80%	$1,159
Progressive	$2,166	$3,039	40%	$873
Auto-Owners	$2,031	$3,263	61%	$1,232
Allstate	$2,869	$3,799	32%	$930
USAA*	$1,638	$2,089	28%	$452

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Illinois

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Travelers is the lowest-cost option for these drivers, with an average annual premium of $2,114.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,455	$2,114	45%	$659
Auto Club Group – ACG (AAA)	$1,834	$2,357	29%	$523
GEICO	$1,451	$2,512	73%	$1,061
Auto-Owners	$2,031	$2,598	28%	$567
Erie Insurance	$2,018	$2,730	35%	$712
Progressive	$2,166	$3,435	59%	$1,269
Allstate	$2,869	$5,307	85%	$2,438
USAA*	$1,638	$2,498	53%	$860

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Illinois

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Illinois keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Travelers	$1,455	$2,286	$831	57%
Progressive	$2,166	$2,652	$486	22%
Erie Insurance	$2,018	$3,228	$1,210	60%
GEICO	$1,451	$3,273	$1,822	126%
Auto-Owners	$2,031	$3,898	$1,867	92%
Auto Club Group – ACG (AAA)	$1,834	$3,914	$2,080	113%
Allstate	$2,869	$4,545	$1,676	58%
USAA*	$1,638	$3,497	$1,859	114%

*USAA is only available to military community members and their families.

Average cost of car insurance Illinois

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Illinois, the average cost of full coverage is $612 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. 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 hail 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.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Illinois.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Illinois. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.