Car Insurance For Teens In Illinois

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Written by Bob Phillips
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Though State Farm ranks highest in our research, other car insurance companies in Illinois offer good options for teen drivers. USAA is recommended for military families, Allstate for those who drive less, State Farm for affordability, and GEICO for roadside assistance.

This article will guide you through the top insurance companies for Illinois teens, ensuring you find the best coverage at a price that fits your budget. Teens without the right insurance could face higher costs and inadequate protection. With over 15 years in the insurance industry as a licensed agent, I’ve seen how essential it is to make an informed choice for your young driver.

Car Insurance For Teens In Illinois, 2024

Car Insurance For Teens, Illinois, 2024

Compare Car Insurance For Teens In Illinois 2024

Overall Rating Best For A.M Best Rating J.D Power Rating Average Annual Rate (Liability Only) Get A Quote
State Farm
4.9

Best Overall

A++

838

$2,060

Instant Quote
USAA
4.9

Military Members

A++

860

$1,190

Instant Quote
Allstate
4.7

Low-Mileage Drivers

A-

809

$2,510

Instant Quote
State Farm
4.9

Most Affordable

A++

838

$2,060

Instant Quote
GEICO
4.8

Roadside Assistance

A++

801

$2,940

Instant Quote
Scroll to see comparisons

Car Insurance Companies For Teens In Illinois


Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
10/10 Customer Reviews
9/10 Claims
9/10 Coverage Level

Why We Like Them

State Farm stands out as the top insurance provider for teen drivers in Illinois because of its mix of affordability, coverage options, and customer service. The company offers competitive rates specifically designed for young drivers, often more affordable than other major insurers in the state. This is vital for families trying to balance cost with comprehensive coverage.

State Farm also provides numerous discounts that make it easier to keep premiums low for teens. Their Steer Clear® program, designed for young drivers, rewards safe driving habits with discounts. Additionally, bundling auto insurance with other policies, like homeowners or renters insurance, can lead to significant savings.

On top of pricing advantages, State Farm is known for its excellent customer service and extensive network of local agents across Illinois. This ensures families have access to personalized support, making the insurance process less intimidating for new drivers and their parents.

Benefits & Drawbacks

Benefits
  • Attractive rates for teen drivers
  • Rewards for safe driving behavior
  • Extensive local agent presence
Drawbacks
  • Higher costs without discounts
  • Lack of accident forgiveness feature
  • Limited digital capabilities

Best for Military Families

Overall Rating
4.9

Key Statistics

9/10 Affordability
10/10 Customer Reviews
9/10 Claims
9/10 Coverage Level

Why We Like Them

USAA stands out as the leading insurance provider for teen drivers in military families inIllinois, thanks to its outstanding customer service, specialized coverage options, and affordability. As an insurer exclusively for military members and their families, USAA understands the unique challenges they face, such as frequent relocations and deployments, and offers flexible policies that provide peace of mind.

USAA consistently offers some of the most competitive rates for teen drivers, often lower than other major insurers. Their SafePilot® program rewards safe driving with discounts, which is particularly beneficial for young, inexperienced drivers. Additionally, USAA provides accident forgiveness for qualified policyholders, helping to reduce the financial burden of a first accident.

Furthermore, USAA’s commitment to customer service is unmatched, with high satisfaction ratings and a reputation for quickly resolving claims. For military families in Illinois, USAA provides reliable, affordable, and tailored coverage that meets their specific needs.

Benefits & Drawbacks

Benefits
  • Military families get competitive rates
  • Superior customer service
  • Incentives for safe driving
Drawbacks
  • Limited presence of local agents
  • No coverage for gap insurance
  • Available exclusively to military members

Best for Low-Mileage Drivers

Overall Rating
4.7

Key Statistics

9/10 Affordability
7/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

Allstate is the top insurance provider for low-mileage teen drivers in Illinois, thanks to its customized discounts and usage-based insurance options. Allstate’s Milewise® program is particularly beneficial for teens who don’t drive frequently, allowing them to pay based on the miles they actually drive. This pay-per-mile option can result in substantial savings, making it a smart choice for teens who primarily drive to school or for occasional outings.

Additionally, Allstate offers a variety of discounts that are advantageous to teen drivers, including good student discounts and rewards for safe driving through the Allstate Drivewise® program. These discounts can further reduce the overall cost of premiums, making it easier for families to afford quality coverage.

Moreover, Allstate’s broad network of agents throughout Illinois ensures personalized service, helping parents and teens navigate the complexities of car insurance with ease. For low-mileage teen drivers in Illinois, Allstate combines affordability with flexibility.

Benefits & Drawbacks

Benefits
  • Reduced rates for low-mileage drivers
  • Discount for good students available
  • Wide network of agents
Drawbacks
  • Higher premiums if no discounts are applied
  • Pay-per-mile plans are limited in scope
  • Accident forgiveness requires an additional fee

Best for Roadside Assistance

Overall Rating
4.8

Key Statistics

8/10 Affordability
9/10 Customer Reviews
9/10 Claims
9/10 Coverage Level

Why We Like Them

GEICO is the top choice for roadside assistance for teen drivers in Illinois thanks to its comprehensive and affordable services. Their roadside assistance covers a variety of emergencies, such as flat tires, dead batteries, and lockouts, which are especially relevant for new drivers. This can be crucial for teens adjusting to driving.

The service is available 24/7 and can be accessed through GEICO’s convenient mobile app, which is user-friendly for young drivers. It’s offered at a reasonable price, either as an add-on to an auto insurance policy or through a membership. GEICO’s reputation for excellent customer service means that teens will get prompt and reliable help when they need it.

Benefits & Drawbacks

Benefits
  • Competitive rates for teenagers
  • Extensive discount opportunities
  • Mobile app is easy to navigate
Drawbacks
  • Local agent support is somewhat limited
  • Increased premiums after an accident
  • Limited to basic coverage options

Most Affordable

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
9/10 Coverage Level

Why We Like Them

State Farm is recognized as the most cost-effective insurance company for teen drivers in Illinois, thanks to its competitive pricing and various discount opportunities. Unlike many other insurers, State Farm is dedicated to offering affordable rates for young drivers, making it easier for families to manage the high costs typically associated with insuring teens. One of the main reasons their rates remain low is the wide range of discounts available for young drivers, such as good student discounts and safe driving incentives through the Steer Clear® program.

Furthermore, State Farm’s extensive presence in Illinois ensures personalized service, helping families find the most affordable coverage options tailored to their specific needs. When combined with other policies like home or renters insurance, State Farm’s bundling discounts can further reduce overall insurance costs. For families looking for a mix of affordability and comprehensive coverage, State Farm consistently provides some of the most budget-friendly options for teen drivers in Illinois.

Benefits & Drawbacks

Benefits
  • Robust financial stability
  • Simple and efficient claims process
  • Diverse range of coverage options
Drawbacks
  • Limited options for accident forgiveness
  • Higher costs for minor infractions
  • No replacement coverage for new vehicles

Average Teenage Car Insurance Rates In Illinois – By City

City Average Monthly Premium Average Annual Premium
Chicago $456 $5,475
Aurora $370 $4,440
Naperville $380 $4,560
Joliet $375 $4,500
Rockford $390 $4,680
Springfield $360 $4,320
Peoria $370 $4,440
Elgin $385 $4,620
Waukegan $380 $4,560
Cicero $405 $4,860

How To Get Cheap Car Insurance For Teens In Illinois

Affordable car insurance for teen drivers in Illinois is not always easy to find, but these steps can guide you in discovering a policy that merges coverage and affordability:

Assess Driving Habits

Determine your teen’s driving patterns in terms of frequency and mileage. Low-mileage drivers may find programs like Allstate’s Milewise® or GEICO’s DriveEasy advantageous.

1

Shop Around for Quotes

Look at quotes from different auto insurance providers, such as State Farm and USAA, which often give competitive pricing for teen drivers in Illinois.

2

Ask About Discounts

Check for discounts for teen drivers, like those for maintaining good grades, participating in safe driving programs, and combining multiple insurance policies.

3

Consider Usage-Based Insurance

If your teen doesn’t drive often, check out pay-per-mile or usage-based insurance programs that might provide financial benefits.

4

Choose a Higher Deductible

Consider a higher deductible to bring down your premium, but ensure you can pay the deductible should it be required.

5

Bundle Policies

Pair your teen’s car insurance with other policies, such as homeowners or renters, to earn discounts.

6

Add to an Existing Policy

It’s usually cheaper to add your teen to your current policy rather than purchasing an individual one.

7

Enroll in a Safe Driving Course

Recommend a defensive driving course to your teen to improve their driving skills and possibly lower insurance rates.

8

Review and Update Regularly

Keep an eye on your teen’s policy as they build driving experience, as this could qualify them for further discounts.

9

Why Is Car Insurance So Expensive For Teens?

The reason car insurance is pricey for teens is largely due to their inexperience behind the wheel and the higher chance of accidents. Teen drivers are statistically more accident-prone compared to older drivers, so insurance companies charge higher premiums to manage the increased risk.

Key Reasons For High Costs

  1. Lack of Experience: Teens have limited time behind the wheel, making them more prone to mistakes that could lead to accidents.
  2. Higher Accident Rates: Statistics reveal that teens, particularly males, have higher accident rates than any other age group, often due to risky behaviors like speeding, distracted driving, and not using seat belts.
  3. Greater Severity of Accidents: The severity of accidents involving teens can be greater because they lack experience in managing hazardous driving situations.
  4. Immaturity: Teens are still maturing in their decision-making skills, which can lead to poor driving choices and higher insurance costs.
  5. Expensive Claims: The high cost of repairing new vehicles or covering medical expenses after an accident results in higher premiums for policyholders.
  6. Limited Credit History: Since teens usually have minimal or no credit history, which insurers consider when determining rates, they may face higher premiums.

What Affects Car Insurance Costs For Teens?

Different factors impact car insurance costs for teens, leading to higher premiums than those charged to older drivers. These factors include:

Age and Driving Experience:

  • Teens with less driving experience are at higher risk for accidents, leading to increased insurance premiums.

Driving Record:

  • Insurance costs are higher with a history of accidents or violations, while a clean driving record can help reduce rates.

Type of Vehicle:

Location:

  • Higher insurance premiums are often found in urban areas with dense traffic and higher crime rates.

Coverage Levels:

  • Full coverage is more costly than basic liability insurance.
  • Opting for a higher deductible can lower your premium but results in higher out-of-pocket costs when claims occur.

Credit History:

  • While less important for teens, limited or poor credit history can contribute to higher insurance rates.

Gender:

  • Young males often face higher premiums due to their increased likelihood of accidents.

Discounts and Programs:

  • Good student and safe driving discounts can help lower insurance costs.

Policy Bundling:

  • Adding a teen to a family policy is usually more cost-effective than a separate policy.

How Can I Add A Teen To My Car Insurance Policy?

Enrolling a teen in your car insurance policy is a simple process, but careful planning is essential to ensure you get the best coverage at an affordable price. Here’s what you need to do:

Notify Your Insurance Company

  • Get in Touch with Your Insurance Provider: As soon as your teen secures their driver’s license or learner’s permit, notify your insurer. Some companies may demand immediate action, while others might let you wait until your teen is fully licensed.
  • Prepare to Submit Information: Be ready to provide your teen’s personal details, including their driver’s license number, date of birth, and any prior driving history.
1

Discuss Coverage Options

  • Go Over Your Policy: Review your current insurance policy to understand its coverage and decide if you need to adjust any levels. Adding a teen driver could lead to higher premiums, so it’s wise to evaluate if your current coverage is sufficient.
  • Select the Best Coverage: If your teen will be driving a newer or more expensive vehicle, consider increasing your liability limits or adding comprehensive and collision coverage. Some insurers offer specific options for young drivers, so be sure to ask.
2

Ask About Discounts

  • Explore Teen Discounts: Many insurance companies offer various discounts for teens, including good student discounts, safe driving discounts, and discounts for completing driver’s education courses. Be sure to ask your insurer about any discounts you might be eligible for to reduce your costs.
  • Bundle Your Insurance Policies: If you haven’t done so yet, bundling your auto insurance with other policies, such as homeowners or renters insurance, may help you save even more.
3

Evaluate The Impact On Your Premiums

  • Ask for a Quote: Request a quote from your insurer to see how much your premiums will rise when you add your teen. If you’re open to switching providers, compare this with quotes from other insurance companies.
  • Review Deductible Options: Raising your deductible can reduce your premium, but be certain it’s an amount you can manage out of pocket in case of an accident.
4

Add Your Teen To The Policy

  • Confirm the Addition: Once you’ve chosen the coverage and reviewed discounts, complete the process by officially adding your teen to the policy. Your insurer will update your policy documents to show the new information.
5

Educate Your Teen On Safe Driving

  • Highlight Safe Driving Habits: Motivate your teen to adopt safe driving practices, as maintaining a clean driving record will keep insurance costs lower in the long term. Enrolling them in a safe driving course may also help reduce premiums.
6

Review The Policy Regularly

  • Yearly Policy Review: As your teen’s driving skills improve, make sure to review your policy each year to check if you can apply for more discounts or if coverage changes are needed.
7

Car Insurance Discounts For Teens

Here are several standard car insurance discounts that teens can use to cut down on their insurance costs:

1. Good Student Discount

Teens who achieve a B average or 3.0 GPA can qualify for this discount. Insurers believe that students who do well in school are likely to be careful drivers.

2. Driver’s Education Discount

Completing a driver’s ed course can lead to discounts on insurance premiums. These courses teach safe driving, which can lower accident risks.

3. Safe Driving Discount

Some insurers offer discounts to teens with a clean driving record, with no accidents or violations.

4. Safe Driver Programs

Programs like State Farm’s Steer Clear® or GEICO’s DriveEasy reward teens for safe driving, often requiring participation in a monitored course or app.

5. Low Mileage Discount

Teens who don’t drive frequently may be eligible for a low mileage discount, which is ideal for those who only drive occasionally.

6. Student Away Discount

If your teen is attending school over 100 miles from home and doesn’t regularly use a car, some insurers offer discounts since the car is less likely to be driven.

7. Bundling Policies

Adding your teen to an existing family policy or bundling with other insurance types, like homeowners, can result in a discount.

8. AccidentFree Discount

Teens who maintain a clean driving record without accidents over a certain period may qualify for this discount.

9. Early Renewal Discount

Insurance companies sometimes offer discounts for renewing or signing up for a new policy before the current one expires.

10. UsageBased Programs

Programs like Progressive’s Snapshot® or Allstate’s Drivewise® monitor driving behavior and offer discounts based on safe driving.

11. Good Driver Discount

Young drivers who have kept a clean driving record for a few years may qualify for this discount.

Average Cost Of Car Insurance For Teens – By State

State Average cost per month Average cost per year
Alabama $109 $1,304
Alaska $104 $1,246
Arizona $117 $1,399
Arkansas $130 $1,556
California $149 $1,783
Colorado $140 $1,675
Connecticut $165 $1,980
DC $157 $1,887
Delaware $153 $1,838
Florida $188 $2,250
Georgia $151 $1,815
Hawaii $105 $1,255
Idaho $85 $1,019
Illinois $98 $1,176
Indiana $88 $1,057
Iowa $89 $1,073
Kansas $118 $1,412
Kentucky $134 $1,611
Louisiana $186 $2,228
Maine $74 $884
Maryland $128 $1,541
Massachusetts $135 $1,616
Michigan $197 $2,368
Minnesota $112 $1,339
Mississippi $125 $1,504
Missouri $107 $1,288
Montana $132 $1,589
Nebraska $107 $1,287
Nevada $132 $1,578
New Hampshire $96 $1,156
New Jersey $118 $1,419
New Mexico $125 $1,498
New York $101 $1,214
North Carolina $98 $1,170
North Dakota $94 $1,123
Ohio $80 $959
Oklahoma $122 $1,469
Oregon $110 $1,325
Pennsylvania $120 $1,438
Rhode Island $168 $2,011
South Carolina $113 $1,353
South Dakota $104 $1,250
Tennessee $112 $1,339
Texas $137 $1,644
Utah $101 $1,212
Vermont $97 $1,166
Virginia $83 $993
Washington $109 $1,307
West Virginia $122 $1,467
Wisconsin $96 $1,147
Wyoming $131 $1,577

Our Methodology

Our methodology for reviewing car insurance providers involves an in-depth analysis of affordability, available coverage, customer service quality, claims processing efficiency, teen driver discounts, and financial stability. We compare these factors across insurers and review sites to find the best coverage for teen drivers in Illinois.

78

Quotes Assessed

40+

Hours Of Research

25

Years Of Industry Experience

31

Brands Reviewed

FAQs

Is it cheaper to be on your parent’s policy?

It’s often cheaper for teens to be covered under their parent’s insurance policy than to purchase a separate one.

Should an 18 year old have their own car insurance?

It can go either way. While staying on a parent’s policy is often more cost-effective, certain situations may call for an independent policy.

What is the cheapest car insurance for a minor?

Insurance rates vary, but State Farm and GEICO usually have some of the most affordable plans for teens, particularly when discounts are included.

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