Cheap Car Insurance in Illinois

Cheap Car Insurance in Illinois

It is mandatory to get car insurance in Illinois for drivers to drive legally in the state. Different companies in Illinois provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Illinois:

Name of the Company Average annual car insurance premiums
The Hartford $766
Pekin Insurance $872
Travelers $976
Safeco $1079
SECURA Insurance $1183
State Farm $1206
Rockford Mutual $1227
Grange Mutual $1270
USAA $1330
Nationwide $1356
Esurance $1395
Encompass $1460
21st Century $1478
Hastings Mutual Insurance Co $1480
Progressive $1648
Country $1650
Mercury $1656
Metropolitan $1792
Cincinnati Insurance $1866
Safe Auto $1867
General Casualty $1882
GEICO $1890
Auto Club Group $1900
State Auto $1926
Farmers $2210
American Family $2218
Allstate $2478
Hanover $4160

Cheap car insurance in Illinois for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Illinois with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Illinois provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Illinois by maintaining a good driving record. Most auto insurance companies in Illinois provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $219 on car insurance premiums in Illinois.
  •  Drivers may save $544 on car insurance premiums if they have an accident-free record in Illinois.
  •  By maintaining a good credit history you may save $1120 on car insurance premiums in Illinois. 

Cheap car insurance for inexperienced drivers in Illinois

Most auto insurance providers may charge high auto insurance premiums in Illinois from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Illinois vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Illinois. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $5562 $5332
17 $5345 $4555
18 $5176 $4076
19 $4560 $2781

Affordable auto insurance in Illinois for high-risk drivers

Car insurance companies in Illinois charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Illinois can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Illinois may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $1646
DUI $2373
Speeding Violation $1320
Bad Credit $2223

Best car insurance companies in Illinois

Car insurance prices in Illinois may vary from company to company. Some companies in Illinois charge lower car insurance premiums than others. To get the best auto insurance policy in Illinois you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Illinois by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Illinois:

  1. Allstate
  2. American Family
  3. Amica
  4. Auto-Owners
  5. Cincinnati Insurance
  6. Encompass
  7. Erie
  8. Esurance
  9. GEICO
  10. Hanover
  11. Hastings Mutual
  12. MetLife
  13. Nationwide
  14. Progressive
  15. USAA

What auto insurance coverage is mandatory to purchase for drivers in Illinois?

The average annual cost to get the minimum required coverage in Illinois may be around $493.  The minimum required coverage for drivers in Illinois to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $20000

 The state minimum auto insurance requirements in Illinois

The state minimum auto insurance coverage requirement in Illinois is liability coverage.

  1. $25000 bodily injury coverage per person is required in Illinois.
  2. $50000 bodily injury coverage per accident is required in Illinois.
  3. $20000 property damage coverage per accident is required in Illinois.

Other types of optional coverages in Illinois are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Uninsured Motorist Property Damage
  7. Medical and Funeral Services

Fine for driving without car insurance in Illinois

If anyone caught driving without a car insurance policy in Illinois then police may charge a fine.

Car insurance prices by cities in Illinois

Car insurance premiums in Illinois may vary from city to city. In some cities of Illinois, car insurance prices are high compared to others.

City Average annual insurance premiums
Cicero $1778
Chicago $1716
Skokie $1692
Berwyn $1666
Oak Lawn $1546
Des Plaines $1518
Evanston $1466
Bolingbrook $1425
Mount Prospect $1423
Orland Park $1405
Tinley Park $1393
Joliet $1381
Schaumburg $1378
Palatine $1350
Elgin $1346
Rockford $1345
Arlington Heights $1335
Aurora $1305
Peoria $1287
Naperville $1277
Springfield $1256
Decatur $1245
Bloomington $1173
Champaign $1150

If you are looking for a car insurance deal in Illinois, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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