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 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

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

Teen drivers in Illinois pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $6,474 more than a 40-year-old driver in Illinois.

The table below shows low-cost car insurance rates for drivers of different ages.

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

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Travelers has the lowest average rate at $2,114 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Illinois with the most affordable rates for drivers with an accident on their record.

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

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 includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Illinois, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

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

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage 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 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.