insure logo

Why you can trust Insure.com

quality icon

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 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.

CompanyAverage annual rates
Auto Club Group – ACG (AAA)$979
Travelers$1,119
GEICO$1,178
Progressive$1,412
Auto-Owners$1,426
Erie Insurance$1,489
Country Financial$1,609
State Farm$1,633
Allstate$2,742
USAA*$1,745

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

How we choose the cheapest car insurance companies in Illinois

insure logo

170+

Carriers reviewed
insure logo

53M+

Quotes analysed
insure logo

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.

ZIP codeCityAverage annual rates
61761Normal$1,291
61704Bloomington$1,300
61705Bloomington$1,317
61701Bloomington$1,321
61776Towanda$1,336
61726Chenoa$1,336
61744Gridley$1,342
61748Hudson$1,343
61739Fairbury$1,352
61071Rock Falls$1,353

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

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:

Age groupFull coverage annual premiums
Teens (16-19)$4,714
Young Adults (20-24)$2,467
Adults (25-60)$1,552
Seniors (65-75)$1,511

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.

CompanyAverage annual premiumNew rate after accident% Increase$ Increase
Auto Club Group – ACG (AAA)$979$1,22325%$244
Travelers$1,119$1,60744%$488
Erie Insurance$1,489$1,64811%$159
State Farm$1,633$1,7417%$108
Progressive$1,412$1,98140%$569
GEICO$1,178$2,11980%$941
Auto-Owners$1,426$2,29261%$866
Allstate$2,742$3,63032%$888
USAA*$1,745$2,22728%$482

*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.

CompanyAverage annual premiumNew rate after accident% Increase$ Increase
Auto Club Group – ACG (AAA)$979$1,25829%$279
Travelers$1,119$1,62645%$507
Auto-Owners$1,426$1,82528%$399
State Farm$1,633$1,88115%$248
Erie Insurance$1,489$2,01535%$526
GEICO$1,178$2,03973%$861
Progressive$1,412$2,23859%$826
Allstate$2,742$5,07185%$2,329
USAA*$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 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.

CompanyAverage annual premiumNew rate after accident$ Increase% Increase
Progressive$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 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.

author image
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.

ZIP Code Please enter valid ZIP