Cheapest Car Insurance In Illinois For 2024
Finding the cheapest car insurance that meets your needs can be a game-changer. If you’re in search of affordable car insurance in Illinois, Secura is an ideal pick.
Whether you’re a seasoned driver or a new one, this guide will help you find the best options for budget-friendly coverage without compromising on quality or service.
After a decade of delving into the intricacies of car insurance, I’ve condensed our insights to guide you through this intricate landscape. Studying numerous leading insurers, I’ve assessed various factors to provide you with essential insights.
My aim is to empower you to make informed decisions that safeguard your finances and ensure tranquility behind the wheel. Join us as we unravel the fundamentals of selecting the cheapest car insurance in Illinois. The roads of Illinois just got easier.
Cheapest Car Insurance Companies In Illinois, 2024
Our Methodology
I’ve conducted extensive research to identify a comprehensive list of car insurance providers operating in Illinois. These insurance providers were evaluated and compared on the basis of customers reviews, discounts and offers, policies, financial stability, and prices. This perspective is influenced by more than 15 years of direct experience as a licensed insurance agent in Illinois. It is shaped by numerous interactions with representatives from different companies and firsthand insights gained through the process of obtaining car insurance in the state.
Quotes Assessed
Hours Of Research
Years Of Industry Expertise
Brands Reviews
Cheapest Car Insurance Companies In Illinois
Cheapest Car Insurance In Illinois For Minimum Coverage: Secura
Minimum car insurance coverage in Illinois is mandated by state law for all drivers. This basic coverage typically includes liability insurance to cover bodily injury and property damage caused by the policyholder in an accident. It’s essential to comply with these minimum requirements to legally operate a vehicle in Illinois.
Personal Injury Protection (PIP) or Medical Payments (MedPay) coverage is not required in Illinois because the state follows a traditional fault-based system for auto insurance. In fault-based systems, the at-fault driver’s insurance typically covers medical expenses for the injured party.
Since Illinois operates under this system, PIP or MedPay coverage is not mandatory. However, drivers can still opt for these coverages to provide additional protection and peace of mind in case of medical expenses resulting from an accident, regardless of fault.
Minimum coverage for car insurance in Illinois, has its limitations. It provides basic protection but may not cover all potential expenses in case of an accident. For instance, minimum coverage may not cover costs related to your own vehicle’s damage or medical expenses for yourself or your passengers.
Therefore, it’s crucial for drivers to understand these limitations and assess their individual needs to determine if additional coverage beyond the state’s minimum requirements is necessary for adequate protection.
| Provider | Average Monthly Cost | Average Annual Cost |
| Secura | $30 | $354 |
| Mercury | $30 | $358 |
| Geico | $31 | $376 |
| First Chicago | $37 | $449 |
| Auto-Owners | $38 | $450 |
Cheapest Car Insurance In Illinois For Full Coverage: Pekin
Full coverage car insurance in Illinois offers comprehensive protection for drivers and their vehicles, going beyond the basic liability coverage mandated by law. It includes collision and comprehensive coverage, which help cover repair costs for your vehicle in various situations, including accidents, theft, vandalism, and natural disasters. While full coverage typically involves higher premiums compared to minimum coverage, it provides broader protection and greater peace of mind while driving.
Comprehensive and collision coverage offer robust protection against accidents and environmental damage. Full coverage is essential for newer or high-value vehicles, providing necessary financial security for potential repairs or replacements.
While full coverage premiums may exceed minimum coverage costs, the added expense ensures comprehensive protection. For owners of newer or more valuable vehicles, this insurance is indispensable for safeguarding their investments.
| Provider | Average Monthly Cost | Average Annual Cost |
| Pekin | $66 | $792 |
| Travelers | $97 | $1,162 |
| Country Financial | $107 | $1,289 |
| State Farm | $114 | $1,363 |
| Geico | $115 | $1,375 |
Cheapest Car Insurance In Illinois For Drivers With Poor Credit: Nationwide
Drivers in Illinois with poor credit may face higher car insurance premiums compared to those with better credit scores. Insurers often factor credit history into premium calculations, as individuals with poor credit are statistically more prone to filing claims. However, specialized policies or discounts may be available from some insurers to make coverage more accessible and affordable for drivers with poor credit.
Factors like a driver’s driving record, where they live, and the type of car they drive are considered. It’s important for those with low credit scores to investigate and compare rates from these specialized insurers. They might find that these companies have more adaptable pricing, making car insurance easier to obtain and afford despite credit difficulties.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $165 | $1,980 |
| Geico | $181 | $2,172 |
| USAA | $199 | $2,388 |
| Farmers | $227 | $2,724 |
| Allstate | $286 | $3,452 |
Cheapest Car Insurance In Illinois For Seniors: American Family
In Illinois, senior drivers often have accumulated years of driving experience, which can work in their favor when it comes to securing auto insurance. Insurance companies may consider seniors as lower-risk drivers due to their typically cautious driving habits and reduced mileage. As a result, seniors may qualify for discounts or special rates that reflect their safe driving record and reduced likelihood of accidents.
Additionally, some insurance providers offer specific programs or incentives designed to cater to the needs of senior drivers. These programs may include benefits such as roadside assistance, flexible payment options, or coverage for medical expenses related to accidents. Seniors should take advantage of these offerings by researching different insurance companies and comparing the benefits and costs of their policies.
Moreover, seniors in Illinois may also benefit from completing defensive driving courses or refresher courses aimed at enhancing their driving skills and knowledge. Many insurance companies offer discounts to drivers who participate in such courses, as they demonstrate a commitment to safe driving practices and risk reduction.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $59 | $712 |
| Auto-Owners | $63 | $751 |
| Country Financial | $67 | $801 |
| Travelers | $74 | $883 |
| Geico | $74 | $886 |
Cheapest Car Insurance In Illinois For Young Drivers
In Illinois, young adult drivers typically benefit from lower car insurance premiums compared to teenagers. This variation in pricing stems from the development of driving habits, with a decrease in risk-taking behaviors as drivers mature. Statistically, young adults exhibit lower claim rates, signaling a reduction in accidents. As a result, insurers lower premiums, recognizing the improved safety records and reduced likelihood of claims from these more seasoned drivers.
Cheapest Illinois Car Insurance For 16-Year-Olds: Pekin
Pekin has the cheapest rates for 16 year olds, with an average monthly premium of $168.
| Provider | Average Annual Cost | Average Monthly Cost |
| Pekin | $2,014 | $168 |
| Country Financial | $2,888 | $241 |
| Erie | $3,699 | $308 |
| Auto-Owners | $4,211 | $351 |
| State Farm | $4,746 | $396 |
Cheapest Illinois Car Insurance For 17-Year-Olds: Country Financial
Country Financial has the cheapest rates for 17 year olds, with an average premium of $211.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $211 | $2,534 |
| Erie | $242 | $2,906 |
| Auto-Owners | $252 | $3,028 |
| Geico | $273 | $3,275 |
| State Farm | $277 | $3,324 |
Cheapest Illinois Car Insurance For 18-Year-Olds: Country Financial
Country Financial has the cheapest rates for 18 year olds, with an average monthly premium of $185.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $185 | $2,224 |
| Erie | $224 | $2,692 |
| Auto-Owners | $228 | $2,739 |
| Geico | $230 | $2,756 |
| State Farm | $244 | $2,927 |
Cheapest Illinois Car Insurance For 21-Year-Olds: Geico
Geico has the cheapest rates for 21 year olds, with an average monthly premium of $121.
| Provider | Average Monthly Cost | Average Annual Cost |
| Geico | $121 | $1,453 |
| Country Financial | $140 | $1,684 |
| Auto-Owners | $157 | $1,880 |
| State Farm | $165 | $1,982 |
| Travelers | $174 | $2,090 |
Cheapest Car Insurance In Illinois For Good Drivers (Full Coverage): American Family
Car insurance in Illinois for good drivers with a clean record typically comes with lower premiums. Insurance companies reward safe driving habits and a lack of traffic violations or accidents with reduced rates. These drivers are considered low-risk by insurers, leading to more affordable coverage options.
Drivers who consistently adhere to traffic regulations, steer clear of accidents, and exhibit an overall vigilant driving demeanor can experience notable reductions in their car insurance premiums over the long term.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $61 | $731 |
| Auto-Owners | $65 | $779 |
| Country Financial | $72 | $865 |
| Travelers | $74 | $891 |
| Geico | $77 | $919 |
Cheapest Car Insurance In Illinois For Drivers With Prior Incidents
Auto insurance in Illinois for drivers with previous incidents can result in higher premiums due to the increased risk associated with their driving history. Insurers often consider factors such as accidents, traffic violations, and claims when determining rates for these individuals.
Insurance providers categorize them as high-risk due to their heightened probability of being engaged in future claims. As a result, insurers typically hike premiums for these individuals to offset the increased risk of financial settlements.
Cheapest Car Insurance In Illinois For Drivers With A Speeding Ticket: Geico
Geico has average premiums of $434, making it the cheapest option for drivers with a speeding ticket.
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
| Geico | $434 | $1,289 |
| Mercury | $434 | $1,801 |
| Auto-Owners | $521 | $2,004 |
| Encompass | $557 | $1,750 |
Cheapest Car Insurance In For Drivers With An At-Fault Accident: Secura
Secura has average premiums of $424, making it the cheapest option for drivers with an at-fault accident.
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
| Secura | $424 | $1,450 |
| Hastings Mutual | $537 | $1,449 |
| Geico | $584 | $1,745 |
| First Chicago | $624 | $3,442 |
| Auto-Owners | $660 | $2,302 |
Cheapest Car Insurance In Illinois For Drivers After A DUI: State Farm
State Farm has average premiums of $121, making it the cheapest option for drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $121 | $1,456 |
| Pekin | $132 | $1,587 |
| Travelers | $138 | $1,656 |
| Country Financial | $157 | $1,883 |
| Progressive | $191 | $2,291 |
Average Cost Of Car Insurance In Illinois
Average Cost In Illinois- By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $451 | $5,409 |
| 17 | $386 | $4,634 |
| 18 | $338 | $4,061 |
| 19 | $267 | $3,206 |
| 21 | $195 | $2,336 |
| 25 | $150 | $1,799 |
| 35 | $128 | $1,541 |
| 45 | $120 | $1,440 |
| 55 | $111 | $1,326 |
| 65 | $109 | $1,308 |
| 75 | $132 | $1,584 |
Average cost in Illinois- By gender & marital status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,200 |
| Male | Single | $1,300 |
| Female | Married | $1,100 |
| Male | Married | $1,200 |
Average Cost In Illinois- By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $96 | $1,160 |
| Good | $118 | $1,426 |
| Fair | $150 | $1,804 |
| Poor | $184 | $2,218 |
Cheapest Car Insurance In Illinois By City:
| City | Average Monthly Cost | Average Annual Cost |
| Aurora | $60 | $731 |
| Chicago | $84 | $1,014 |
| Elgin | $62 | $748 |
| Joliet | $65 | $785 |
| Springfield | $60 | $723 |
Minimum Car Insurance Requirement In Illinois
The minimum Illinois car insurance coverage requirements under state law are as follows:
- Bodily Injury Liability (BIL): $25,000 per person and $50,000 per accident.
- Property Damage Liability (PDL): $20,000 per accident.
In Illinois, all drivers must have minimum car insurance as required by state law to legally drive. This ensures coverage for accident-related costs. The mandatory coverage includes Bodily Injury Liability (BIL) and Property Damage Liability (PDL).
Bodily Injury Liability (BIL) covers medical expenses from accidents, with minimum coverage of $25,000 per person and $50,000 per accident. Property Damage Liability (PDL) addresses damages to others’ property, with a minimum requirement of $20,000 per accident.
Personal Injury Protection (PIP) is not required in Illinois because the state follows a traditional fault-based system for insurance claims. This means that the at-fault driver’s insurance typically covers the medical expenses of the other party in an accident.
Car Insurance Discounts In Illinois
Exploring car insurance options involves seeking providers that offer discounts tailored to your needs. Additionally, engaging in dialogue with your insurance agent can unveil potential discounts you may not currently be utilizing.
Below, we delve into the common types of discounts provided by top car insurance companies:
- Safe Driver Discount: Drivers with a clean driving record often qualify for reduced premiums as they pose lower risk to insurers due to their safe driving habits.
- Multi-Policy Discount: Insurers offer discounts to customers who bundle multiple insurance policies, such as car and home insurance, with the same company, leading to overall savings.
- Good Student Discount: Students with excellent academic performance may be eligible for lower premiums, reflecting their responsible behavior on and off the road.
- Low Mileage Discount: Drivers who cover fewer miles annually may qualify for discounted rates as they are less likely to be involved in accidents or file claims.
- Vehicle Safety Features Discount: Cars equipped with safety features like anti-lock brakes and airbags may earn discounts as they reduce the risk of injuries and damages in accidents.
- Defensive Driving Course Discount: Completing a defensive driving course can result in reduced premiums as it demonstrates a commitment to safe driving practices and risk mitigation.
FAQs
How much is car insurance a month in Illinois?
The average cost of car insurance per month in Illinois varies based on factors like age, driving history, and coverage level, typically ranging from $100 to $200 or more.
What is the minimum car insurance one must have in Illinois?
The minimum car insurance required in Illinois includes Bodily Injury Liability (BIL) coverage of at least $25,000 per person and $50,000 per accident, and Property Damage Liability (PDL) coverage of at least $20,000.
Which insurance is better in Illinois?
Determining which insurance is better in Illinois depends on individual factors such as coverage needs, driving history, and budget. It’s essential to compare quotes from different insurers to find the best fit for your specific circumstances.
Sources
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