When it comes to car insurance in Illinois, prices can feel as unpredictable as Chicago weather. Whether you’re cruising Route 66 or navigating the Windy City’s rush hour, finding affordable coverage is essential. Here are some of the best options for cheap car insurance in Illinois, tailored to every type of driver.
Use MoneyLion to shop for car insurance quotes in Illinois in minutes!
5 Best cheap car insurance in Illinois
We’ve rounded up the top insurance companies for Illinois drivers based on affordability, coverage options, and customer satisfaction. Whether you’re a new driver, have a less-than-perfect record, or just want the cheapest option, here’s where to start.
1. Best for Clean Driving Histories: The Hanover
The Hanover is the go-to for drivers with spotless records, offering competitive rates and robust coverage. Drivers with clean records can lock in full coverage at an average of $105 per month, well below the state average.
- Full coverage cost per month: $105
- Minimum coverage cost per month: $22
- Pro: Affordable for good drivers with a wide range of customizable policies.
- Con: Limited availability for high-risk drivers.
2. Best for Young Drivers: Westfield
Westfield shines for younger drivers in their 20s, providing some of the most affordable minimum coverage rates. At $44 per month for state-minimum coverage, it’s a great option for budget-conscious young adults.
- Full coverage cost per month: $139
- Minimum coverage cost per month: $44
- Pro: Budget-friendly for young drivers and offers solid customer service.
- Con: Discounts may be limited compared to larger national insurers.
3. Best for Drivers with Poor Credit: Hastings Mutual
Hastings Mutual is a standout for Illinois drivers with poor credit, offering rates far below competitors in this category. With a focus on affordability and flexibility, this insurer remains a top choice.
- Full coverage cost per month: $183
- Minimum coverage cost per month: $55
- Pro: Competitive rates even for those with less-than-perfect credit.
- Con: Fewer online tools for policy management.
4. Best for High-Risk Drivers: Progressive
High-risk drivers, including those with a DUI, can find a lifeline in Progressive. With rates averaging $67 per month after a DUI for minimum coverage, it’s one of the few companies offering reasonable rates for risky records.
- Full coverage cost per month: $182
- Minimum coverage cost per month: $67
- Pro: Flexible options for drivers with violations or accidents.
- Con: Rates can still be steep compared to those for low-risk drivers.
5. Best Local Option: Country Financial
For a homegrown Illinois option, Country Financial is a reliable pick. It offers excellent customer service and competitive rates, particularly for minimum coverage, averaging $52 per month for young drivers.
- Full coverage cost per month: $176
- Minimum coverage cost per month: $52
- Pro: Strong local presence with personalized service.
- Con: Fewer discounts compared to national providers.
Understanding car insurance requirements in Illinois
Illinois requires all drivers to meet specific minimum coverage requirements. While these minimums allow you to drive legally, opting for higher coverage limits can protect you from unexpected out-of-pocket expenses in an accident.
Bodily injury to others
Bodily injury liability covers medical expenses, lost wages, and legal costs if you’re responsible for injuries to another person in a car accident. In Illinois, the minimum required coverage is $25,000 per person and $50,000 per accident. While this meets the legal requirements, it’s wise to consider higher limits to protect yourself from potentially devastating out-of-pocket costs if an accident results in severe injuries.
Property damage liability
Property damage liability covers the cost of repairs or replacement of someone else’s property—like their car, fence, or building—damaged in an accident you caused. Illinois mandates a minimum of $20,000 per accident for property damage liability. Accidents can easily exceed this amount, so increasing your coverage limits can offer better financial protection against costly claims.
Optional car insurance coverages in IL
In addition to the basics, these optional coverages can offer added peace of mind:
- Collision coverage: Protects your car in the event of a crash.
- Comprehensive coverage: Covers non-accident damage, such as theft or weather-related incidents.
- Uninsured/underinsured motorist (UM/UIM): Safeguards you from drivers with insufficient insurance.
- Rental car reimbursement: Covers the cost of a rental while your car is repaired.
- Roadside assistance coverage: Provides towing and emergency services.
How much is car insurance in Illinois?
Car insurance costs in Illinois vary based on coverage type and individual factors. The average cost of minimum coverage is around $49 per month or $592 annually, while full coverage averages $174 per month or $2,092 annually. Factors influencing these rates include your age, driving history, credit score, and the type of vehicle you drive. For example, younger drivers or those with a history of accidents often pay significantly more than experienced drivers with clean records.
How to find the cheapest car insurance in Illinois
Securing affordable car insurance in Illinois requires a bit of strategy. Here’s how to maximize savings:
- Compare quotes from multiple insurers: Rates can vary widely, so shopping around ensures you find the best deal tailored to your needs.
- Bundle auto with home/renters insurance: Combining policies with the same provider often leads to discounts.
- Choose a higher deductible: While you’ll pay more out of pocket in an accident, this can reduce your monthly premium.
- Look for discounts: Many insurers offer savings for good driving habits, student achievements, or military service.
- Improve your credit score: A higher credit score often results in lower premiums, as insurers view it as a sign of reliability.
By using these tips, you can reduce your insurance expenses while still maintaining adequate coverage.
What happens if you don’t have auto insurance in Illinois?
Driving without insurance in Illinois can lead to costly and inconvenient consequences. For a first offense, you could face a $500 fine and suspension of your license plates and driving privileges. To reinstate your license, you’ll need to provide proof of insurance and pay a $100 reinstatement fee. Repeat offenses come with even stiffer penalties, including higher fines and extended suspensions. If you’re involved in an accident without coverage, you could be held personally liable for damages, which may lead to significant financial hardship.
Find your perfect policy today
Navigating car insurance in Illinois doesn’t have to be a hassle. Whether you’re a young driver, a high-risk driver, or just looking for the most affordable option, there’s a policy out there for you. Compare quotes in Illinois, explore local and national options, and lock in coverage that meets your needs and budget.
FAQs
What is the most important type of car insurance you should buy in Illinois?
Liability insurance is essential, but adding collision and comprehensive coverage is recommended for full protection.
Is Illinois a no-fault state?
No, Illinois is an at-fault state, meaning the driver responsible for an accident is liable for damages.
Is car insurance cheaper in Texas or Illinois?
Illinois generally has lower average car insurance costs than Texas.
Methodology
To identify some of the best car insurance options in Illinois, we conducted a state-specific analysis considering factors that matter most to Illinois drivers. These included average premiums, coverage options, available discounts, financial strength ratings, and customer satisfaction scores. Recognizing the unique needs of Illinois residents, we gave special preference to local providers and companies with a strong presence in the state, as they often offer tailored policies and discounts for regional drivers.
Our research also accounted for variables such as Illinois’s minimum insurance requirements, common driving conditions, and the prevalence of local risks like urban traffic in Chicago or weather-related challenges in rural areas. While rates can vary significantly depending on individual circumstances like age, driving history, and credit score, this comprehensive analysis aims to help Illinois drivers find insurers offering the best combination of affordability, service, and coverage reliability.
