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:
- Allstate
- American Family
- Amica
- Auto-Owners
- Cincinnati Insurance
- Encompass
- Erie
- Esurance
- GEICO
- Hanover
- Hastings Mutual
- MetLife
- Nationwide
- Progressive
- 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.
- $25000 bodily injury coverage per person is required in Illinois.
- $50000 bodily injury coverage per accident is required in Illinois.
- $20000 property damage coverage per accident is required in Illinois.
Other types of optional coverages in Illinois are:
- Comprehensive
- Collision
- Roadside Assistance
- Loan/Lease Payoff
- Rental Car Reimbursement
- Uninsured Motorist Property Damage
- 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.
