Cheapest car insurance in Illinois

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According to Insure.com’s analysis, Auto Club Group – ACG (AAA) has the cheapest car insurance rates for most drivers in Illinois at $979 annually. However, your rates may be higher or lower based on personal factors such as your driving record, ZIP code and vehicle type.

To comply with Illinois’s car insurance laws, drivers must carry at least the minimum liability coverage required. It consists of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.

However, many vehicle owners prefer to invest in full-coverage car insurance for better coverage and added protection.

Here’s a breakdown of the cheapest car insurance company in each category.

Cheapest overall: Auto Club Group - ACG (AAA)

$979/year

National avg. rate

Cheapest for at-fault accident: Auto Club Group - ACG (AAA)

$1,258/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: Auto Club Group - ACG (AAA)

$1,223/year

Avg. rate after speeding ticket

Cheap car insurance companies in Illinois

At an average annual rate of $979, Auto Club Group – ACG (AAA) offers the cheapest car insurance in Illinois, 36% less than the state average. Your premium may vary based on personal factors such as your driving record, ZIP Code and car type.

It’s important to compare quotes from various carriers to ensure that you get the best deal.

Below, you’ll find average annual car insurance rates from the most affordable insurance companies in Illinois.

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in Illinois

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Illinois

The cheapest ZIP code for car insurance in Illinois is 61761, with an average annual cost of $1,291. Find below the most affordable ZIP codes for auto insurance rates in Illinois.

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.

Cheapest car insurance in Illinois by age

Teen drivers in Illinois pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. A 16-year-old driver pays $4,831 more than a 40-year-old driver in Illinois, based on Insure.com’s analysis.

The table below shows the cheapest car insurance rates for drivers of different ages:

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Cheapest car insurance in Illinois by driver history

Insurers consider your driving history to be one of the most important factors in setting insurance rates. If you’re involved in an at-fault accident or convicted of a traffic violation, your premiums may increase. On the other hand, having a clean record makes you a low-risk driver and can lead to cheaper car insurance.

Cheapest car insurance after a speeding ticket in Illinois

Here are the top three companies offering affordable rates for car insurance after a speeding ticket.

• Auto Club Group - ACG (AAA): $1,223 per year
• Travelers: $1,607 per year
• Erie Insurance: $1,648 per year

Insure.com data shows that a single speeding ticket in Illinois can result in a 35% or $543 increase in insurance rates.

Getting a speeding ticket involves paying a fine and potentially facing higher insurance premiums. For those looking to find the most affordable car insurance in Illinois, below are insurers that provide cheap rates after a speeding ticket.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Illinois

Here are the top three companies that offer cheap car insurance after an accident:

• Auto Club Group - ACG (AAA): $1,258 per year
• Travelers: $1,626 per year
• Auto-Owners: $1,825 per year

Auto Club Group – ACG (AAA) offers the cheapest car insurance rates to drivers after an at-fault accident at about $1,258 a year.

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 better rates.

Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Illinois

Here are the top three insurers that provide affordable car insurance rates after a DUI conviction.

• Progressive: $1,728 per year
• State Farm: $1,741 per year
• Travelers: $1,759 per year

A DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.

The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Illinois

Full coverage insurance typically costs more than minimum liability insurance, but for most drivers, the additional expense is worthwhile. On average, full coverage car insurance in Illinois is $363 less than the national average.

Full coverage limits vary, but getting a policy with limits of 100/300/100 is recommended for added protection.

What is full coverage car insurance in Illinois?

Full coverage car insurance covers bodily injury liability, property damage liability, collision and comprehensive coverage. Collision insurance helps pay for repairs if your car is damaged in an accident, while comprehensive insurance protects against damage from non-collision events like theft or natural disasters.

In Illinois, if you’re leasing or financing your car, your lender might require you to purchase collision and comprehensive insurance on top of the state-required liability coverage.

Final thoughts

While it’s common to look for ways to lower your car insurance premium, cutting corners on coverage could end up costing you much more in the long run.

Before purchasing an auto insurance policy, consider your specific needs to ensure you’re adequately covered. Since insurance rates can vary, it’s a good idea to compare quotes from multiple companies to find the right policy 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 violation 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. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

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

Shivani Gite

Contributing Writer

 

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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.