Best Car Insurance in Illinois 2023
If you’re in search of a company that offers the best car insurance in Illinois, this post is a good read. We have created a list of some of the best automobile insurance companies in Illinois. Evaluate your options to make your pick. Also, make sure to check our list of best car insurance companies and to compare your options.
What Are Minimum Illinois Car Insurance Requirements?
Illinois, like other U.S. states, has minimum liability requirements that you have to meet to be able to drive legally. In case you don’t have the insurance, you may have to face some serious consequences such as mandatory filing of an SR-22 or court supervision.
If you live in Illinois, it’s your responsibility to know your state’s minimum car insurance requirements. This knowledge will come in handy when you’re shopping for an insurance policy.
For example, you should know how much responsibility each party has in the event of an accident. Usually, Illinois minimum car insurance covers two main types of accident liability: property damage and bodily injury liability.
So, in the event of an accident, where you’re the at-fault party, your insurance will cover the other party’s medical costs and vehicle repair bills.
Illinois minimum auto insurance requirements are:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage per accident
Average Costs
In the table below, we have mentioned the average car insurance cost in Illinois. Your insurance policy rates will vary depending on different factors. Among other factors, your age group and the make of your car play a big role in determining your car insurance quotes in Illinois.
Average Car Insurance Cost in Illinois by Age and Gender
| Age | Average Price for Men | Average Price for Women |
| 25 Years Old | $1,510 | $1,386 |
| 35 Years Old | $1,177 | $1,172 |
| 60 Years Old | $1,085 | $1,051 |
Out of the age group mentioned in the table above, 60-year-old drivers have the lowest car insurance rates in Illinois.
On the other hand, people who are in their mid-20s have higher car insurance rates in Illinois. Still, the overall pricing shows that affordable car insurance is attainable in Illinois.
Cost of Car Insurance by Top Cities in Illinois
| City | Average Rate |
| Chicago | $1,686.15 |
| Aurora | $1,223.58 |
| Naperville | $1,192.85 |
| Joliet | $1,300.80 |
Cheapest Providers
Here is the list of the car insurance quotes in Illinois:
- GEICO: $830.73
- USAA: $952.58
- State Farm: $982.44
- Travelers: $1,050.44
- Progressive: $1,170.87
- Nationwide: $1,334.92
- Farmers: $1,409.59
- American Family: $1,465.79
- Allstate: $1,879.89
The cheapest car insurance in Illinois is GEICO ($830.73) and USAA ($952.58). Before buying an insurance policy, make sure that you have read the terms and conditions, and have understood the extent of coverage that the company offers.
The table below shows the categories of different drivers and the companies that offer the cheapest insurance rates for that particular category:
| Category | Cheapest Company |
| Single Young Adult Drivers | GEICO |
| Married Adult Drivers | GEICO |
| Senior Drivers | GEICO |
| Drivers with Good Credit | GEICO |
| Drivers with Poor Credit | Travelers |
| Drivers with a Clean Record | GEICO |
| Drivers with One Speeding Violation | GEICO |
| Drivers with One Accident | State Farm |
| Drivers with One DUI | State Farm |
| Low-mileage Drivers | GEICO |
| High-mileage Drivers | GEICO |
| Drivers with Low Coverage | GEICO |
| Drivers with High Coverage | GEICO |
| Drivers with Used Cars | GEICO |
| Drivers with New Cars | GEICO |
Illinois Auto Insurance, Traffic Rules, and Penalties
There are specific laws that relate to car insurance in Illinois. If you violate these laws, your insurance rates will go up.
One of the first requirements is that you cannot have a handheld device with you when you’re driving. Drivers do get an exception for emergency calls.
In the table below, we have listed the penalties that you may have to face if you’re found liable for breaking any law:
| Penalty | First and Second Offence | Subsequent Offences |
| Fines | $501-$1,000 – additional
$1,000 if you’re driving with a suspended plate because of any previous violation |
$1,000; additional $1,000 if you’re driving with a suspended plate because of any previous violation;
additional $2,500 fine if you’ve been convicted twice or involved in an accident |
| Driving privileges | Driver’s license and registration suspended for up to 3 months. | Driver’s license and registration suspended for up to 4 months. |
| Other | $100 reinstatement fee | $100 reinstatement fee; also required to show proof of financial responsibility (SR22 certificate) for 3 years |
Penalties for driving without insurance in an accident
In Illinois, drivers must file a crash report if they’re involved in a car accident and if the accident caused deaths, bodily injuries, or more than $1,500 of property damage.
Drivers who have been convicted multiple times for not having insurance have to face even harsher penalties.
In case you’ve caused bodily harm to another person in an accident, you’re hit with a $2,500 fine in addition to the 4-month license suspension. You also need to pay a $100 reinstatement fee. The same penalty is true if you have been convicted twice or more for driving uninsured.
Best Car Insurance Companies in Illinois
| Company | Provisions & Coverage | Ratings | Discounts | Car Insurance Costs for Different Use Case |
| Safeco |
|
|
|
$637 |
| GEICO |
|
|
|
$1,168 |
| USAA |
|
|
|
$885 |
| State Farm |
|
|
|
$1,234 |
| The Hartford |
|
|
|
$210.57 per month |
| Pekin |
|
|
|
$641 |
| Travelers |
|
|
|
$1,267 |
Detailed Reviews
Safeco Insurance
Safeco auto insurance company is financially stable and offers some of the best coverage options at competitive pricing. The company offers policies in Illinois and 45 other states. From roadside assistance to fast claim processing, Safeco has built a strong market reputation.
GEICO
One of the most credible insurance providers, GEICO provides great coverage plans to drivers in Illinois. Apart from other insurance coverage plans, it also offers ridesharing insurance and mechanical breakdown coverage.
You can easily get a quote through GEICO’s website. It has a virtual assistant that can easily answer your questions and provide specific policy information.
USAA Insurance
Relatively cheaper than the other insurance providers, USAA also has great coverage plans for Illinois drivers.
It has a very good financial rating, which means that it can pay off its financial liabilities with ease. When it comes to customer satisfaction, the insurance company also scores quite well.
One of the drawbacks of the company is that it has strict qualification requirements.
State Farm
On average, State Farm’s insurance plans will cost you $1,234 per year. The company has a big network of agents that provide customer assistance. The company has good customer service and the customers are satisfied with its performance regarding claims.
The Hartford
The Hartford’s auto insurance is largely targeted toward people aged 50 and older. The policies are delivered through a partnership with AARP, thereby bringing additional savings and perks to AARP members. Non-AARP members can buy policies through independent insurance agents.
Pekin
Pekin auto insurance quotes for Illinois are not offered over the web. The company has a BBB A+ rating and is financially stable. Pekin offers a wide range of coverage options and discounts. It is best for those who want a tailored policy.
Travelers
Travelers plans are affordable for drivers with good credit and young drivers. It offers great discounts.
That said, the company hasn’t received good ratings from customers and scores low when it comes to customer satisfaction.
The Final Word
How did you find our list of the best car insurance providers in Illinois? This particular state has some specific laws regarding car insurance. If you want to avoid getting fined or penalized when you’re out on the roads, you should get a car insurance policy.
What type of coverage plan is good for you depends on your car make and your driving habits. So, analyze your driving habits and coverage requirements and choose the insurance provider, which suits you best.
Pros & Cons
The Pros
The Cons
Final Verdict
FAQs
Why is auto insurance in Illinois so expensive?
Causing an accident in Illinois is an expensive problem. We have already listed the penalties and fines that you have to pay if you violate any laws. Insurance allows you to pay for all the damages.
Is Illinois a no-fault state?
No, Illinois is an at-fault state. It means that if you’re involved in a crash, you can be sued by others who are involved.
How to reduce car insurance costs in Illinois?
The best way to reduce car insurance costs in the state is to avail of discounts offered by the insurance providers.
What is the best auto insurance in Illinois?
In the section below, we have listed the best car insurance companies in Illinois.
