The cheapest car insurance for drivers in Illinois is Pekin Insurance, which offers coverage for $56 per month. That’s $668 per year — about half the cost of the statewide average car insurance rate in Illinois.
Our other picks for cheap car insurance in Illinois are COUNTRY Financial, State Farm, Auto-Owners, and GEICO. But rates can vary, so be sure to compare quotes to find the cheapest car insurance for you.
Monthly average cost
Annual average cost
Cheapest car insurance companies in Illinois
The cheapest car insurance in Illinois is Pekin Insurance, which offers policies for an average of $56 per month, or $668 per year. The average annual cost of car insurance from Pekin is $664 cheaper than the statewide average in Illinois.
We also found that Pekin has the cheapest car insurance in Illinois for higher-risk drivers who have an at-fault accident or speeding ticket on the records.
Our analysis shows that COUNTRY Financial has the second-cheapest car insurance in Illinois. On average, car insurance from COUNTRY Financial costs drivers $73 per month, or $875 per year, for a full-coverage policy. That's $457 cheaper than the statewide average in Illinois.
State Farm has the third-cheapest car insurance in Illinois. We found that coverage from State Farm costs Illinois drivers $79 per month, or $953 per year on average. State Farm also has the cheapest average rates for drivers in Illinois with a past DUI on their driving record.
Auto-Owners Insurance also has some of the cheapest car insurance rates in Illinois. On average, car insurance from Auto-Owners is $83 per month, or $998 per year.
We found that the fifth-cheapest car insurance company in Illinois is GEICO. On average, car insurance from GEICO is $75 per month in Illinois, or $1,024 per year. That's still $308 cheaper than the statewide average.
Best car insurance companies in Illinois
The best car insurance company in Illinois is USAA. In the most recent J.D. Power Auto Insurance Study, which measures how policyholders feel about their insurance company’s overall price, value, and claims service, USAA scored the best in the region that includes Illinois. 
But USAA is only available for members of the military and their families. The best-rated car insurance company in Illinois that’s available to most drivers is Erie, a smaller carrier known for top-notch customer service.
Cheapest car insurance companies by age in Illinois
If you have a teenager in your household, one of the most important rites of passage in their lives is getting a driver’s license. Unfortunately, statistics show young drivers are more likely to be in an accident, which, in turn, makes their car insurance rates more expensive.
The table below shows the company with the lowest rates in every age group. The cheapest car insurance in Illinois for most young drivers is Pekin Insurance.
Choosing the right car insurance company in Illinois
It’s more than just price when choosing an insurance company. You want a company that has a track record of good customer service and won’t raise your rates if you have too many claims. Here’s what to look for when you’re ready to switch insurance companies:
Are there offices nearby where you can speak directly with an agent?
Do they return phone calls promptly?
Do they score well with current customers on things like claims satisfaction and customer service?
Our insurance experts at Policygenius can help you see quotes from top companies and choose the best coverage.
Car insurance rates for drivers with driving violations in Illinois
WIth many insurance companies, a single ticket can raise your rates by several hundred dollars. Additionally, if you’re caught driving while intoxicated, your rates could go up by over a thousand dollars. The easiest way to save on your car insurance is to obey posted speed limit signs and obey all traffic laws.
The average car insurance rates for Illinois drivers with moving violations are shown below. The cheapest car insurance in Illinois after a driving incident is Pekin Insurance or State Farm.
Driving without lights
Running a red light
Following too closely
Hit and run
Passing a school bus
Cheapest car insurance for drivers with bad credit in Illinois
A few missed or late payments are all it takes for some car insurance companies to increase your rates. A bad credit score can make it hard to lease an apartment, keep a job or get a car loan. Higher credit scores translate to lower insurance rates, which means paying your bills on time can save you money on car insurance.
Below are the average rates for drivers in Illinois with bad credit. The cheapest car insurance in Illinois for drivers with bad credit is Pekin Insurance.
Rates for drivers with bad credit
Car insurance costs in Illinois cities
We know that the average car insurance rates in Illinois are $1,332 per year for full coverage. But statistics like crime rates and population density also impact rates too. Below are the average car insurance rates for the ten largest cities in Illinois, based on population.
Residents in Chicago pay the highest rates in the state because of the city’s population density and crime rate. If you live in an urban area, comparing rates is a great way to reduce your insurance costs.
Buying car insurance in Illinois
If your vehicle is registered in Illinois, state law mandates drivers must have the following minimum liability insurance requirements:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $20,000
Uninsured motorist bodily injury coverage: $25,000 per person; $50,000 per accident
Have continuous coverage on a vehicle even if it is inoperable or not being driven.
The insurance must be issued by a company licensed in the state of Illinois.
These are just the basic required minimum rates. However, if you have a car loan or lease a vehicle, then you’ll need to have more than liability insurance.
Physical damage or full coverage insurance helps pay for loss or damage to your vehicle. There are two kinds of physical damage insurance.
Collision: Covers collisions with other vehicles
Comprehensive: It covers theft, fire, and vandalism to your car
All registered vehicles in Illinois are now checked at least twice a year for compliance with the mandatory liability insurance law.
Illinois is a fault state when it comes to car accidents. What this means for you as a driver is if you cause a wreck, then your insurance company must compensate the other driver for any damages or personal injuries resulting from the collision.
How to get cheap car insurance in Illinois
Most car insurance companies in Illinois offer ways to save on your insurance. Here are some of the discounts they offer:
Safe-driver discount: For drivers without any accident claims during a given time frame or for those drivers who take a defensive driving course
Bundling discount: When you get more than one insurance policy (auto and home) from the same insurer
Good student discount: A discount for young drivers who earn good grades, usually a B average or higher
Military discount: A discount for active-duty service members and their family
Not everyone will qualify these discounts, so be sure and ask about what others may apply to you.
Find car insurance in your city: