Low-cost car insurance in Illinois

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GEICO provides the lowest car insurance rates in Illinois at $1,451 a year. The average premium is $158 per month in Illinois, though your actual rate may vary.

Car insurance requirements differ by state. In Illinois, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

GEICO offers the lowest car insurance rates in Illinois, at $1,451 per year, which is about $450 the state average.
Travelers has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,114.
The ZIP code 60178 has the low-cost car insurance rates in Illinois, at an average annual rate of $1,533.

Low-cost car insurance companies in Illinois

GEICO offers the lowest car insurance rates in Illinois, with an average annual premium of $1,451 per year. It’s $450 less expensive than the average car insurance cost in Illinois. Your actual rate 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 from low-cost car insurance companies..

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

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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

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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

Just one speeding ticket in Illinois can raise your rates by 35% – $674 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

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 places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Illinois are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

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

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

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

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

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

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest 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 78,451,280 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.