The Cheapest Car Insurance in Illinois for July 2024
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Auto insurance is an important purchase, but finding cheap car insurance in Illinois isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.
The cheapest car insurance company in Illinois is Hastings Mutual at $958 per year on average, or $80 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Illinois. Meanwhile, the average cost of full coverage car insurance in Illinois is $1,538 per year, or about $128 per month.
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.
Minimum coverage in Illinois is $461 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Illinois at $283 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
If you're looking for the cheapest options in The Windy City, check out NerdWallet's guide to the cheapest car insurance in Chicago.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.How we chose the cheapest companies in Illinois
NerdWallet’s editorial team analyzed car insurance rates from 24 auto insurers in Illinois and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Illinois. For full coverage, we used the below 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.
Cheap car insurance in Illinois for 20-year-olds
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.
Cheapest full coverage car insurance in Illinois for 20-year-olds
Drivers in Illinois with clean driving records may want to consider the following companies, which had the lowest average rates:
- Hastings Mutual: $2,228 per year, or about $186 per month.
- Erie: $2,318 per year, or about $193 per month.
- Geico: $2,429 per year, or about $202 per month.
- QBE: $2,466 per year, or about $206 per month.
- Country Financial: $2,713 per year, or about $226 per month.
Cheapest minimum coverage car insurance in Illinois for 20-year-olds
Drivers in Illinois who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
- Geico: $591 per year, or about $49 per month.
- Erie: $619 per year, or about $52 per month.
- Westfield: $791 per year, or about $66 per month.
- Country Financial: $803 per year, or about $67 per month.
- Auto-Owners: $831 per year, or about $69 per month.
Cheapest auto insurance in Illinois for 20-year-olds with poor credit
Drivers with poor credit in Illinois should look at the following insurers with the lowest average rates for minimum coverage:
- Geico: $733 per year, or about $61 per month.
- Allstate: $1,125 per year, or about $94 per month.
- Country Financial: $1,307 per year, or about $109 per month.
- Erie: $1,309 per year, or about $109 per month.
- QBE: $1,389 per year, or about $116 per month.
Cheapest auto insurance in Illinois for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Illinois, here are the companies with the lowest average rates for minimum coverage:
- Geico: $705 per year, or about $59 per month.
- Erie: $720 per year, or about $60 per month.
- Westfield: $945 per year, or about $79 per month.
- Progressive: $1,018 per year, or about $85 per month.
- Mercury: $1,032 per year, or about $86 per month.
Cheapest auto insurance in Illinois for 20-year-old drivers with one at-fault crash
For drivers with a recent accident in Illinois, here are the companies with the lowest average rates for minimum coverage:
- Geico: $832 per year, or about $69 per month.
- Erie: $848 per year, or about $71 per month.
- Hastings Mutual: $950 per year, or about $79 per month.
- Westfield: $1,013 per year, or about $84 per month.
- Progressive: $1,039 per year, or about $87 per month.
Cheapest auto insurance in Illinois for 20-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.
- Erie: $975 per year, or about $81 per month.
- Progressive: $978 per year, or about $82 per month.
- Mercury: $1,031 per year, or about $86 per month.
- Geico: $1,187 per year, or about $99 per month.
- Country Financial: $1,369 per year, or about $114 per month.
Cheapest for 30-year-old drivers
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Cheapest full coverage car insurance in Illinois for 30-year-olds
Drivers in Illinois who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
- Hastings Mutual: $1,012 per year, or about $84 per month.
- Erie: $1,171 per year, or about $98 per month.
- Geico: $1,185 per year, or about $99 per month.
- Rockford Mutual: $1,243 per year, or about $104 per month.
- American Family: $1,243 per year, or about $104 per month.
Cheapest minimum coverage car insurance in Illinois for 30-year-olds
Drivers in Illinois who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
- Geico: $289 per year, or about $24 per month.
- Erie: $323 per year, or about $27 per month.
- Allstate: $356 per year, or about $30 per month.
- Auto-Owners: $363 per year, or about $30 per month.
- Mercury: $372 per year, or about $31 per month.
Cheapest auto insurance in Illinois for 30-year-olds with poor credit
Drivers with poor credit in Illinois should consider the following companies with the lowest average rates for full coverage:
- Geico: $1,614 per year, or about $135 per month.
- Hastings Mutual: $1,658 per year, or about $138 per month.
- Rockford Mutual: $2,097 per year, or about $175 per month.
- American Family: $2,143 per year, or about $179 per month.
- Grange: $2,152 per year, or about $179 per month.
Cheapest auto insurance in Illinois for 30-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Illinois, here are the companies with the lowest average rates for minimum coverage:
- Geico: $340 per year, or about $28 per month.
- Erie: $357 per year, or about $30 per month.
- Allstate: $421 per year, or about $35 per month.
- Westfield: $486 per year, or about $41 per month.
- Auto-Owners: $496 per year, or about $41 per month.
Cheapest auto insurance in Illinois for 30-year-old drivers with one at-fault crash
For drivers in Illinois with a recent accident, here are the lowest average rate options for full coverage:
- Hastings Mutual: $1,034 per year, or about $86 per month.
- Erie: $1,611 per year, or about $134 per month.
- Auto-Owners: $1,742 per year, or about $145 per month.
- Rockford Mutual: $1,912 per year, or about $159 per month.
- Auto Club Group: $1,942 per year, or about $162 per month.
Cheapest auto insurance in Illinois for 30-year-old drivers after a DUI
For the cheapest auto insurance after a DUI, we found the following options for full coverage.
- Mercury: $1,762 per year, or about $147 per month.
- Progressive: $1,894 per year, or about $158 per month.
- Erie: $1,932 per year, or about $161 per month.
- Auto Club of SoCal: $2,319 per year, or about $193 per month.
- American Family: $2,530 per year, or about $211 per month.
Cheapest for 40-year-old drivers
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.
Cheapest full coverage car insurance in Illinois for 40-year-olds
Drivers in Illinois with clean driving records may want to think about the following companies, which had the lowest average rates:
- Hastings Mutual: $880 per year, or about $73 per month.
- Erie: $1,032 per year, or about $86 per month.
- Geico: $1,122 per year, or about $93 per month.
- Mercury: $1,184 per year, or about $99 per month.
- American Family: $1,233 per year, or about $103 per month.
Cheapest minimum coverage car insurance in Illinois for 40-year-olds
Drivers in Illinois who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:
- Geico: $284 per year, or about $24 per month.
- Erie: $291 per year, or about $24 per month.
- Mercury: $329 per year, or about $27 per month.
- Hastings Mutual: $352 per year, or about $29 per month.
- Allstate: $356 per year, or about $30 per month.
Cheapest auto insurance in Illinois for 40-year-olds with poor credit
Drivers with poor credit in Illinois can check out the following insurers with the lowest average rates for full coverage:
- Hastings Mutual: $1,436 per year, or about $120 per month.
- Geico: $1,542 per year, or about $129 per month.
- Grange: $1,924 per year, or about $160 per month.
- Mercury: $1,936 per year, or about $161 per month.
- Auto Club Group: $2,066 per year, or about $172 per month.
Cheapest auto insurance in Illinois for 40-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Illinois, here are the companies with the lowest average rates for minimum coverage:
- Erie: $320 per year, or about $27 per month.
- Geico: $336 per year, or about $28 per month.
- Allstate: $421 per year, or about $35 per month.
- Westfield: $456 per year, or about $38 per month.
- Hastings Mutual: $464 per year, or about $39 per month.
Cheapest auto insurance in Illinois for 40-year-old drivers with one at-fault crash
For drivers with a recent accident living in Illinois, here are the companies with the lowest average rates for full coverage:
- Hastings Mutual: $898 per year, or about $75 per month.
- Erie: $1,441 per year, or about $120 per month.
- Auto-Owners: $1,675 per year, or about $140 per month.
- Auto Club Group: $1,736 per year, or about $145 per month.
- Travelers: $1,901 per year, or about $158 per month.
Cheapest auto insurance in Illinois for 40-year-old drivers after a DUI
The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.
- Mercury: $1,571 per year, or about $131 per month.
- Erie: $1,703 per year, or about $142 per month.
- Progressive: $1,712 per year, or about $143 per month.
- Auto Club of SoCal: $2,278 per year, or about $190 per month.
- Grange: $2,451 per year, or about $204 per month.
Cheapest for 50-year-old drivers
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.
Cheapest full coverage car insurance in Illinois for 50-year-olds
Drivers in Illinois with clean driving records may want to get quotes from these insurers, which had the lowest average rates:
- Hastings Mutual: $848 per year, or about $71 per month.
- Geico: $936 per year, or about $78 per month.
- Erie: $939 per year, or about $78 per month.
- Rockford Mutual: $1,098 per year, or about $92 per month.
- Mercury: $1,099 per year, or about $92 per month.
Cheapest minimum coverage car insurance in Illinois for 50-year-olds
Drivers in Illinois who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:
- Geico: $252 per year, or about $21 per month.
- Erie: $265 per year, or about $22 per month.
- Mercury: $318 per year, or about $27 per month.
- Rockford Mutual: $324 per year, or about $27 per month.
- Allstate: $337 per year, or about $28 per month.
Cheapest auto insurance in Illinois for 50-year-olds with poor credit
Drivers with poor credit in Illinois can check with the following companies, which showed the lowest average rates for full coverage:
- Geico: $1,381 per year, or about $115 per month.
- Hastings Mutual: $1,386 per year, or about $116 per month.
- Mercury: $1,798 per year, or about $150 per month.
- Rockford Mutual: $1,854 per year, or about $155 per month.
- American Family: $1,943 per year, or about $162 per month.
Cheapest auto insurance in Illinois for 50-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Illinois, here are the companies with the lowest average rates for minimum coverage:
- Erie: $292 per year, or about $24 per month.
- Geico: $297 per year, or about $25 per month.
- Allstate: $405 per year, or about $34 per month.
- Westfield: $436 per year, or about $36 per month.
- Hastings Mutual: $452 per year, or about $38 per month.
Cheapest auto insurance in Illinois for 50-year-old drivers with one at-fault crash
For drivers living in Illinois with a recent accident, here are the insurers with the lowest average full coverage rates:
- Hastings Mutual: $866 per year, or about $72 per month.
- Erie: $1,297 per year, or about $108 per month.
- Auto-Owners: $1,575 per year, or about $131 per month.
- Auto Club Group: $1,645 per year, or about $137 per month.
- Rockford Mutual: $1,766 per year, or about $147 per month.
Cheapest auto insurance in Illinois for 50-year-old drivers after a DUI
The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.
- Mercury: $1,475 per year, or about $123 per month.
- Erie: $1,554 per year, or about $130 per month.
- Progressive: $1,607 per year, or about $134 per month.
- Auto Club of SoCal: $2,108 per year, or about $176 per month.
- Travelers: $2,347 per year, or about $196 per month.
Cheapest for 60-year-old drivers
Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.
Cheapest full coverage car insurance in Illinois for 60-year-olds
Drivers in Illinois with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- Hastings Mutual: $864 per year, or about $72 per month.
- Geico: $927 per year, or about $77 per month.
- Erie: $930 per year, or about $78 per month.
- Mercury: $1,001 per year, or about $83 per month.
- Rockford Mutual: $1,098 per year, or about $92 per month.
Cheapest minimum coverage car insurance in Illinois for 60-year-olds
Drivers in Illinois who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
- Geico: $256 per year, or about $21 per month.
- Erie: $261 per year, or about $22 per month.
- Mercury: $290 per year, or about $24 per month.
- Rockford Mutual: $324 per year, or about $27 per month.
- Auto-Owners: $343 per year, or about $29 per month.
Cheapest auto insurance in Illinois for 60-year-olds with poor credit
Drivers with poor credit in Illinois can look at the following companies with the lowest average rates for full coverage:
- Geico: $1,387 per year, or about $116 per month.
- Hastings Mutual: $1,412 per year, or about $118 per month.
- Grange: $1,601 per year, or about $133 per month.
- Mercury: $1,641 per year, or about $137 per month.
- Auto Club Group: $1,775 per year, or about $148 per month.
Cheapest auto insurance in Illinois for 60-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Illinois, here are the companies with the lowest average rates for minimum coverage:
- Erie: $288 per year, or about $24 per month.
- Geico: $305 per year, or about $25 per month.
- Allstate: $422 per year, or about $35 per month.
- Mercury: $451 per year, or about $38 per month.
- First Chicago: $457 per year, or about $38 per month.
Cheapest auto insurance in Illinois for 60-year-old drivers with one at-fault crash
For drivers with a recent accident living in Illinois, here are the companies with the lowest average rates for full coverage:
- Hastings Mutual: $886 per year, or about $74 per month.
- Erie: $1,290 per year, or about $108 per month.
- Auto Club Group: $1,490 per year, or about $124 per month.
- Auto-Owners: $1,502 per year, or about $125 per month.
- Grange: $1,676 per year, or about $140 per month.
Cheapest auto insurance in Illinois for 60-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
- Mercury: $1,373 per year, or about $114 per month.
- Erie: $1,535 per year, or about $128 per month.
- Progressive: $1,542 per year, or about $129 per month.
- Grange: $2,061 per year, or about $172 per month.
- Auto Club of SoCal: $2,066 per year, or about $172 per month.
Cheapest for 70-year-old drivers
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest full coverage car insurance in Illinois for 70-year-olds
Drivers in Illinois with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- Geico: $940 per year, or about $78 per month.
- Rockford Mutual: $1,067 per year, or about $89 per month.
- Erie: $1,092 per year, or about $91 per month.
- Hastings Mutual: $1,136 per year, or about $95 per month.
- American Family: $1,186 per year, or about $99 per month.
Cheapest minimum coverage car insurance in Illinois for 70-year-olds
Drivers in Illinois who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
- Geico: $280 per year, or about $23 per month.
- Erie: $303 per year, or about $25 per month.
- Rockford Mutual: $346 per year, or about $29 per month.
- Mercury: $366 per year, or about $31 per month.
- Allstate: $386 per year, or about $32 per month.
Cheapest auto insurance in Illinois for 70-year-olds with poor credit
Drivers with poor credit in Illinois can look at the following companies with the lowest average rates for full coverage:
- Geico: $1,482 per year, or about $123 per month.
- Rockford Mutual: $1,802 per year, or about $150 per month.
- Hastings Mutual: $1,868 per year, or about $156 per month.
- Mercury: $1,943 per year, or about $162 per month.
- American Family: $2,035 per year, or about $170 per month.
Cheapest auto insurance in Illinois for 70-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Illinois, here are the companies with the lowest average rates for minimum coverage:
- Erie: $334 per year, or about $28 per month.
- Geico: $365 per year, or about $30 per month.
- Allstate: $463 per year, or about $39 per month.
- Rockford Mutual: $516 per year, or about $43 per month.
- State Farm: $517 per year, or about $43 per month.
Cheapest auto insurance in Illinois for 70-year-old drivers with one at-fault crash
For drivers with a recent accident living in Illinois, here are the companies with the lowest average rates for full coverage:
- Hastings Mutual: $1,162 per year, or about $97 per month.
- Erie: $1,505 per year, or about $125 per month.
- Auto-Owners: $1,701 per year, or about $142 per month.
- Auto Club Group: $1,711 per year, or about $143 per month.
- Rockford Mutual: $1,735 per year, or about $145 per month.
Cheapest auto insurance in Illinois for 70-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
- Progressive: $1,616 per year, or about $135 per month.
- Mercury: $1,672 per year, or about $139 per month.
- Erie: $1,806 per year, or about $151 per month.
- Auto Club of SoCal: $2,066 per year, or about $172 per month.
- Country Financial: $2,433 per year, or about $203 per month.
Cheapest car insurance for military families
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 that isn'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 6 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.
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.
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 2021 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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