The Cheapest Car Insurance in Illinois for February 2025
Westfield, Allstate and Erie have the cheapest car insurance rates in Illinois.
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Hastings Mutual offers the cheapest full coverage car insurance in Illinois, with an average rate of $122 per month according to NerdWallet's February 2025 analysis. If you’re looking for bare-bones coverage, the cheapest liability insurance in the state is Westfield, with an average median monthly rate of $26.
The cheapest full coverage insurance in Illinois
Here are the companies with the cheapest median monthly rates for full coverage in Illinois for 35-year-old drivers with a good driving record.
Rates refreshed February 2025.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Cheap full coverage car insurance by driver profile
Here's the cheapest full coverage car insurance in Illinois for 35-year-old drivers with different driving records.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | Hastings Mutual | $1,466 |
| After a DUI | Progressive | $2,289 |
| After an accident | Hastings Mutual | $1,466 |
| After a speeding ticket | Hastings Mutual | $1,806 |
| Having poor credit | Hastings Mutual | $2,428 |
Rates refreshed February 2025.
Did your rates go up? Auto insurance prices are on the rise in Illinois. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
If you're looking for the cheapest options in The Windy City, check out NerdWallet's guide to the cheapest car insurance in Chicago.
How NerdWallet’s editorial team determined these rates: Once a month, NerdWallet’s car insurance data team analyzes more than 500 million sample car insurance rates provided by Quadrant Information Services to find the auto insurers offering the cheapest rates. Our data analysis combines hundreds of hours of rigorous data vetting, thorough optimizing and extensive engineering work to provide you with the cheapest car insurance companies in Illinois on a monthly basis.
The quotes you get when you shop around may be different because insurers will use your personal characteristics — like age, driving record, the car you drive and where you live — to determine how much you’ll pay for a policy. But you can use the rates in our analysis to get a sense of cheap companies in the Prairie State, and which insurers you may want to get a quote from.
Best cheap car insurance in Illinois
Allstate
- Lots of coverage options, including accident forgiveness, new car replacement and a safe-driving bonus every six months.
- Offers rideshare insurance in many states.
- Customer ratings are below average for auto insurance shopping satisfaction compared to other companies.
Minimum coverage average annual cost
$382 a year
Minimum coverage average monthly cost
$32 a month
Full coverage average monthly cost
$253 a month
Looking to strike a balance between quality and affordability? Our February 2025 analysis found that Allstate has the cheapest rates in Illinois out of all insurers available in the state with a NerdWallet star rating of 4.5 and above.
This insurer offers liability insurance for $32 per month, along with a wide variety of discounts and coverage options, as well as rewards for safe driving.
To see the full list of top-rated companies in the state, check out our roundup of the best car insurance in Illinois.
Cheapest liability insurance in Illinois by age
Your age is one of the most important factors in determining how much you'll pay for car insurance. Below you'll find the cheapest insurance companies for young drivers, millennials and seniors.
Cheap car insurance in Illinois for young drivers
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Young drivers in Illinois with clean driving records may want to consider the following companies, which had the lowest average rates for minimum coverage among 20-year-olds:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Westfield | $607 | $51 |
| Erie | $801 | $67 |
| Auto-Owners | $902 | $75 |
| Allstate | $989 | $82 |
| Geico | $1,096 | $91 |
Rates refreshed February 2025.
Cheapest car insurance in Illinois for millennials
Drivers in Illinois who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates for 35-year-old drivers:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Westfield | $308 | $26 |
| Allstate | $382 | $32 |
| Erie | $388 | $32 |
| Auto-Owners | $458 | $38 |
| Mercury | $487 | $41 |
Rates refreshed February 2025.
Cheapest car insurance in Illinois for seniors
Car insurance costs may start to rise for senior drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that have discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Senior drivers in Illinois with clean driving records may want to think about getting quotes from these companies, which had the lowest average minimum coverage rates for 70-year-old drivers:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Westfield | $362 | $30 |
| Erie | $389 | $32 |
| Allstate | $414 | $34 |
| Mercury | $446 | $37 |
| State Farm | $498 | $42 |
Rates refreshed February 2025.
Cheapest liability car insurance in Illinois by driving record
Having a driving violation on your record is likely to increase your car insurance premium. How much more you’ll pay depends on the type of violation, your car insurance carrier and your other personal characteristics.
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Illinois drivers with different driving records. If you have multiple violations on your record, consider looking into the best high-risk car insurance companies.
Cheapest car insurance in Illinois after a speeding ticket
If you live in Illinois and recently got a speeding ticket, check out these companies we found with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Westfield | $365 | $30 |
| Erie | $428 | $36 |
| Allstate | $454 | $38 |
| First Chicago | $550 | $46 |
| State Farm | $560 | $47 |
Rates refreshed February 2025.
Cheapest car insurance in Illinois after an accident
If you have an at-fault accident on your record, check out these companies we found with the lowest average rates for liability coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Westfield | $477 | $40 |
| Allstate | $561 | $47 |
| Hastings Mutual | $582 | $49 |
| Auto-Owners | $597 | $50 |
| State Farm | $624 | $52 |
Rates refreshed February 2025.
Cheapest car insurance in Illinois after a DUI
If you recently got a DUI, check out these companies we found in Illinois with the lowest average rates for liability coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $735 | $61 |
| Allstate | $783 | $65 |
| Progressive | $797 | $66 |
| Mercury | $834 | $69 |
| Westfield | $859 | $72 |
Rates refreshed February 2025.
» MORE: Cheap car insurance after a DUI
Cheapest car insurance for drivers with poor credit
Your credit history can impact how much you pay for auto insurance. Many insurers in Illinois use a credit-based insurance score to price their policies.
Here are the companies that offer the cheapest median liability coverage rates in Illinois for people with blemished credit:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Allstate | $451 | $38 |
| Westfield | $567 | $47 |
| First Chicago | $568 | $47 |
| Geico | $666 | $56 |
| Mercury | $798 | $67 |
Rates refreshed February 2025.
Cheapest car insurance for military families in Illinois
If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company with policies that aren't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 17 of the 70 driver profiles we examined.
Minimum auto insurance limits required in Illinois
Illinois law requires residents to carry liability insurance, including uninsured/underinsured motorist bodily injury coverage (UMBI), in the following amounts:
$25,000 bodily injury liability per person.
$50,000 bodily injury liability per incident.
$20,000 property damage liability per incident.
$25,000 UMBI per person.
$50,000 UMBI per incident.
Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.
Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.
Personal injury protection will cover your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your state, PIP may also pay for:
Lost wages if you’re unable to work due to injuries from an accident.
Services you can no longer perform, like house cleaning or child care, because of your injuries.
Funeral costs if an accident-related injury leads to death.
A small death benefit as a cash payout.
Even though this will be enough to drive legally, you may want more than the minimum requirements. Imagine causing a crash and totaling another person’s car, for instance. The damages could easily top your $20,000 liability limit, and the remaining balance would have to come out of your pocket.
The Illinois secretary of state randomly selects registered vehicles and requires their owners to prove they have insurance via questionnaire. Residents who fail to fill out the form or who report they don’t have insurance will have their license plates suspended.
Check out NerdWallet’s guide to car insurance requirements by state to learn more about coverage options for your policy in the Land of Lincoln.
Risks of opting for the cheapest car insurance
Even though this will be enough to drive legally, you may want more than the minimum requirements. Imagine causing a crash and totaling another person’s car, for instance. The damages could easily top your $20,000 liability limit, and the remaining balance would have to come out of your pocket.
The Insurance Research Council estimated that over 16% of Illinois drivers were uninsured in 2022, the most recent year for which data was available. Having bare-bones coverage can leave you with a huge auto repair bill after an accident, even if you weren’t at fault.
Alternative car insurance in Illinois
High-risk drivers who are denied car insurance on the voluntary market because of prior crashes, DUIs, poor credit or other factors can seek coverage through the Illinois Automobile Insurance Plan.
For even more help finding cheap car insurance in Illinois, try NerdWallet’s car insurance comparison tool.
We nerd out on car insurance
NerdWallet’s editorial team takes pride in providing highly-researched resources that empower our readers to make informed decisions about their car insurance.
Here’s why you can trust NerdWallet:
We analyze the data. NerdWallet updates our published car insurance rate averages once a month. To do that, we rigorously analyze more than 500 million auto insurance rates from across the country provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is solely editorial, and is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
We do our homework. All of our auto insurance content is diligently fact-checked before publication. Additionally, our editorial team regularly evaluates and reviews many of the auto insurance companies we write about. This means the star ratings you see on our company reviews remain up-to-date.
Article Sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Insurance Information Institute. Facts + Statistics: Uninsured motorists. Accessed .
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2022 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
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