Home Car insurance Car insurance rates by state Cheapest car insurance in Illinois Cheapest car insurance in Illinois In Illinois, Auto Club Group - ACG (AAA) offers the cheapest auto insurance rates at $979 annually. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 21, 2025 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. 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 Key Takeaways Auto Club Group – ACG (AAA) offers Illinois drivers the cheapest car insurance rate at $979 annually, which is around 36% lower than the state’s average cost.In Illinois, you can find the cheapest car insurance from Auto Club Group – ACG (AAA) at an annual cost of $1,258, even if you have a history of at-fault accidents.Based on Insure.com’s analysis, the 61761 ZIP code has the cheapest car insurance rates for Illinois drivers, with an average cost of $1,291 a year. Cheap car insurance companies in IllinoisAt 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.CompanyAverage annual ratesAuto Club Group – ACG (AAA)$979Travelers$1,119GEICO$1,178Progressive$1,412Auto-Owners$1,426Erie Insurance$1,489Country Financial$1,609State Farm$1,633Allstate$2,742USAA*$1,745 *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 IllinoisThe 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.ZIP codeCityAverage annual rates61761Normal$1,29161704Bloomington$1,30061705Bloomington$1,31761701Bloomington$1,32161776Towanda$1,33661726Chenoa$1,33661744Gridley$1,34261748Hudson$1,34361739Fairbury$1,35261071Rock Falls$1,353Auto 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 cityAuroraChicagoJolietNapervilleRockfordCheapest car insurance in Illinois by ageTeen 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:Age groupFull coverage annual premiumsTeens (16-19)$4,714Young Adults (20-24)$2,467Adults (25-60)$1,552Seniors (65-75)$1,511 You might find interesting The best, cheapest car insurance in IllinoisIllinois car insurance calculatorNon-owner car insurance in Illinois: Which company has the cheapest rates?Cheapest SR-22 insurance in IllinoisBest and cheapest companies for home and auto bundles in Illinois Cheapest car insurance in Illinois by driver historyInsurers 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 IllinoisHere are the top three companies offering affordable rates for car insurance after a speeding ticket.Auto Club Group - ACG (AAA): $1,223 per yearTravelers: $1,607 per yearErie Insurance: $1,648 per yearInsure.com data shows that a single speeding ticket in Illinois can result in a 35% or $543 increase in insurance rates.Getting a speeding ticket involves paying a fine and potentially facing higher insurance premiums. For those looking to find the most affordable car insurance in Illinois, below are insurers that provide cheap rates after a speeding ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseAuto Club Group – ACG (AAA)$979$1,22325%$244Travelers$1,119$1,60744%$488Erie Insurance$1,489$1,64811%$159State Farm$1,633$1,7417%$108Progressive$1,412$1,98140%$569GEICO$1,178$2,11980%$941Auto-Owners$1,426$2,29261%$866Allstate$2,742$3,63032%$888USAA*$1,745$2,22728%$482 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in IllinoisHere are the top three companies that offer cheap car insurance after an accident:Auto Club Group - ACG (AAA): $1,258 per yearTravelers: $1,626 per yearAuto-Owners: $1,825 per yearAuto Club Group – ACG (AAA) offers the cheapest car insurance rates to drivers after an at-fault accident at about $1,258 a year.If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find better rates.Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseAuto Club Group – ACG (AAA)$979$1,25829%$279Travelers$1,119$1,62645%$507Auto-Owners$1,426$1,82528%$399State Farm$1,633$1,88115%$248Erie Insurance$1,489$2,01535%$526GEICO$1,178$2,03973%$861Progressive$1,412$2,23859%$826Allstate$2,742$5,07185%$2,329USAA*$1,745$2,66253%$917 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in IllinoisHere are the top three insurers that provide affordable car insurance rates after a DUI conviction.Progressive: $1,728 per yearState Farm: $1,741 per yearTravelers: $1,759 per yearA DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseProgressive$1,412$1,728$31622%State Farm$1,633$1,741$1087%Travelers$1,119$1,759$64057%Auto Club Group – ACG (AAA)$979$2,090$1,111113%Erie Insurance$1,489$2,382$89360%GEICO$1,178$2,657$1,479126%Auto-Owners$1,426$2,738$1,31292%Allstate$2,742$4,343$1,60158%USAA*$1,745$3,727$1,982114% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in IllinoisFull 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 thoughtsWhile 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.MethodologyInsure.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 applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow moreShivani GiteContributing 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in IllinoisHow we choose the cheapest car insurance companies in IllinoisCheapest ZIP codes for car insurance in IllinoisCheapest car insurance in Illinois by ageCheapest car insurance in Illinois by driver historyAverage car insurance cost in IllinoisFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330