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Best & Cheapest Illinois Car Insurance as Rated by Customers in 2020

4.89 ★★★★★
27 customer reviews
rated their claim's experience positively
4.67 ★★★★★
4579 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.23 ★★★★★
109 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16886 customer reviews
rated their claim's experience positively
4.10 ★★★★★
31 customer reviews
rated their claim's experience positively
4.10 ★★★★★
74 customer reviews
rated their claim's experience positively
4.09 ★★★★★
2059 customer reviews
rated their claim's experience positively
4.05 ★★★★★
2230 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7149 customer reviews
rated their claim's experience positively
3.96 ★★★★★
1333 customer reviews
rated their claim's experience positively
3.93 ★★★★★
746 customer reviews
rated their claim's experience positively
3.90 ★★★★★
144 customer reviews
rated their claim's experience positively
3.89 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.74 ★★★★★
545 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.58 ★★★★★
239 customer reviews
rated their claim's experience positively
3.52 ★★★★★
116 customer reviews
rated their claim's experience positively
3.51 ★★★★★
41 customer reviews
rated their claim's experience positively
3.49 ★★★★★
58 customer reviews
rated their claim's experience positively
3.22 ★★★★★
67 customer reviews
rated their claim's experience positively
3.08 ★★★★★
295 customer reviews
rated their claim's experience positively
2.57 ★★★★★
126 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively
1.78 ★★★★★
56 customer reviews
rated their claim's experience positively

How we rank the best Illinois car insurance companies

Wondering how Clearsurance determines scores for insurance companies to provide this list of the best auto insurance companies in Illinois? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

When you’re deciding which Illinois car insurance company to buy a policy from, you want to find one that will provide you with the right coverage but also the best customer service. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Illinois. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Illinois car insurance companies.

In the table above, you can sort through all the Illinois car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Illinois car insurance rankings.

Interested in learning more about one of these Illinois car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the best cheap teen car insurance rates in Illinois?

For teen drivers in Illinois, Country Financial offers the cheapest car insurance rates out of the five largest car insurers in the state.

Company Female teen rates Male teen rates
Allstate Insurance $1,394 $1,502
Country Financial $706 $732
Farmers Insurance Group $3,673 $3,919
Geico $1,287 $1,254
State Farm Insurance Company $980 $1,169

These rates are based on profiles for 18-year-old male and female drivers in Illinois. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Illinois will differ. Rate data is provided by Quadrant Information Services.

Who offers the best cheap car insurance rates for a married couple in Illinois?

Geico offers the cheapest rates for married couples in Illinois. The table below displays average Illinois car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.

Company Married couple rates
Allstate Insurance $2,073
Country Financial $1,965
Farmers Insurance Group $1,976
Geico $1,044
State Farm Insurance Company $1,627

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Illinois will differ. Rate data is provided by Quadrant Information Services.

Who offers the best senior car insurance rates in Illinois?

Geico provides both male and female senior drivers with the cheapest car insurance rates in Illinois. Below you can see average Illinois car insurance rates for male and female senior drivers for the five largest companies in the state.

Company Female senior rates Male senior rates
Allstate Insurance $1,302 $1,302
Country Financial $857 $873
Farmers Insurance Group $841 $924
Geico $616 $669
State Farm Insurance Company $728 $728

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Illinois will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Illinois for car insurance

While car insurance rates vary based on your age, gender and marital status, there are many other factors that help determine your rates including the area you live in. Car insurance rates in Illinois vary by the area you live in because rates are based on factors specific to your area. That includes accident and car insurance claim frequency in your area as well as your area’s crime rate. In the table below, you can see the top 10 cheapest areas in Illinois for car insurance based on average rates for single adults.

Area Car insurance rates
Gridley $1,113
Normal $1,117
Chenoa $1,120
Hudson $1,121
Towanda $1,123
Bloomington $1,123
Charleston $1,127
Le Roy $1,127
Mattoon $1,128

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Illinois will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in Illinois for car insurance

Car insurance in Illinois can be more expensive in some areas of the state than others. This is because car insurance rates are based on factors such as frequency of car accidents, driving behavior and crime rate in your area. The table below displays the top 10 most expensive areas in Illinois for car insurance based on average rates for a single adult.

Area Car insurance rates
Harvey $1,994
Dolton $1,936
Posen $1,922
Calumet City $1,922
Robbins $1,916
East Saint Louis $1,884
Cicero $1,872
Markham $1,865
Lovejoy $1,861
Riverdale $1,852

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Illinois will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Illinois

Illinois requires all drivers to have two types of auto insurance coverage: liability and uninsured motorist. Illinois drivers also have the option to purchase collision and comprehensive coverage. The minimum coverage limits in Illinois are listed below. While purchasing the minimum coverage will make you a legal driver, it’s still important to consider purchasing higher limits to ensure you have enough protection in the event of a lawsuit. You can learn more about different car insurance coverages and what the limits mean here.

Illinois state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $20,000 per accident

Bodily injury caused by an uninsured motorist:

  • $25,000 per person
  • $50,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident. Most commonly this is the other vehicle, but also could be things like a home or fence.

The required uninsured motorist coverage in Illinois is only for bodily injury. This coverage protects you in the event you are injured in a car accident caused by a driver who either doesn’t have insurance or not enough insurance. Uninsured motorist property damage, which would cover your vehicle in the event it was damaged by an uninsured driver, is optional.

Illinois is particularly interested in catching drivers who lack car insurance, as it sends out random questionnaires throughout the year. Drivers must respond with the name of their insurance company and policy number. Drivers who are found to not have car insurance will have their license plate suspended.

Despite its policies set in place, according to 2015 data from the Insurance Information Institute, 13.7 percent of Illinois drivers are uninsured, which is the 18th highest percentage in the country.

How car insurance rates are calculated in Illinois

When searching and comparing quotes from the best auto insurance companies in Illinois, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in Illinois

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Illinois car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Illinois

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

Finally, there is also a confidence factor based upon the number of reviews a company has by product. If the total number of reviews is less than 100, then a confidence deduction is applied to the star rating. The maximum impact of this deduction occurs when there are less than 25 reviews. Companies with 100 or more reviews, aged two years or less, receive 100% weighting (no deduction), while companies with 50 to 99 customer reviews receive a weighting of .95%, 25 to 49 reviews receive a weighting of .90% and companies with less than 25 reviews a weighting of .85%.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.