Best & Cheapest Car Insurance Quotes in Illinois (2026)
Travelers has the cheapest full coverage car insurance in Illinois, at $120 per month. That's around one-third cheaper than the state average.
Find Cheap Car Insurance Quotes in Illinois
Best cheap auto insurance in Illinois
Best and cheapest car insurance in Illinois
- Cheapest full coverage: Travelers, $120/mo
- Cheapest minimum liability: Erie, $42/mo
- Cheapest for young drivers: Erie, $91/mo
- Cheapest after a ticket: Travelers, $152/mo
- Cheapest after an accident: Travelers, $169/mo
- Cheapest for teens after a ticket: Erie, $106/mo
- Cheapest after a DUI: Travelers, $176/mo
- Cheapest for poor credit: Travelers, $182/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie offers the best combination of affordable rates and reliable customer service in Illinois.
While Travelers may cost less for some drivers, Erie's superior customer service may be worth the extra cost if you ever need to file a claim.
Cheapest full coverage car insurance in Illinois: Travelers
Travelers and Erie have the cheapest full coverage car insurancef in Illinois.
Find Cheap Car Insurance Quotes in Illinois
- Travelers has the cheapest full coverage quotes in Illinois, at $120 per month. That's $65 per month cheaper than the Illinois average of $185 per month.
- However, Erie's superior customer service makes it a better choice for most people. Erie costs an average of $141 per month, which is $44 per month less than average.
Best full coverage car insurance rates in Illinois
Company | Monthly rate | |
|---|---|---|
| Travelers | $120 |
| Erie | $141 |
| Auto-Owners | $154 |
| Progressive | $157 |
| Country Financial | $158 |
*USAA is only available to current and former military members and their families.
Data-powered research on Illinois car insurance
| Data-powered research on IL car insurance |
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Cheap liability insurance quotes in Illinois: Erie
Erie has the cheapest liability car insurance in Illinois.
At $42 per month, a minimum liability policy from Erie costs $25 per month less than the state average.
Cheapest Illinois liability car insurance
Company | Monthly rate |
|---|---|
| Erie | $42 |
| Travelers | $47 |
| Auto-Owners | $48 |
| State Farm | $62 |
| Country Financial | $65 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Illinois
Cheapest auto insurance in IL for teens: Erie
Erie has the most affordable car insurance in Illinois for young drivers.
A minimum liability policy from Erie costs $91 per month for an 18-year-old. That's around half the Illinois average, which is $171 per month.
Erie also has the cheapest full coverage rates for teens. At $313 per month, full coverage from Erie is nearly one-third less than the state average.
Best car insurance quote in IL for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $91 | $313 |
| Country Financial | $136 | $326 |
| Travelers | $142 | $348 |
| Auto-Owners | $150 | $358 |
| Progressive | $161 | $440 |
*USAA is only available to current and former military members and their families.
Teen drivers usually pay about two and a half times more for car insurance than older drivers. That's because their lack of driving experience means they're more likely to get into accidents.
One of the best ways for young drivers to save money is to share a policy with their parents.
Cheap Illinois car insurance after a speeding ticket: Travelers
Travelers has the cheapest auto insurance in Illinois for drivers with a speeding ticket. Full coverage from Travelers costs around $152 per month after one ticket, which is one-third cheaper than average in Illinois.
Affordable auto insurance in Illinois after a ticket
Company | Monthly rate |
|---|---|
| Travelers | $152 |
| Auto-Owners | $154 |
| Erie | $157 |
| State Farm | $193 |
| Country Financial | $202 |
*USAA is only available to current and former military members and their families.
Auto insurance companies in Illinois raise rates by around 23% after a single speeding ticket. That's an average increase of $43 per month for a full coverage policy.
Cheapest Illinois vehicle insurance after an accident: Travelers
Travelers is the cheapest insurance company in Illinois after an accident. A full coverage policy from Travelers costs an average of $169 per month after a crash. That's $113 per month less than the state average.
Best cheap Illinois car insurance after a crash
Company | Monthly rate |
|---|---|
| Travelers | $169 |
| Auto-Owners | $188 |
| State Farm | $207 |
| Erie | $210 |
| Country Financial | $220 |
*USAA is only available to current and former military members and their families.
Rates go up by an average of 52% in Illinois after a single at-fault accident.
The most expensive company after an accident, Allstate, is more than three and a half times as expensive as Travelers.
Because of how much rates can differ after an accident, you should always compare quotes from a few companies.
Cheap Illinois auto insurance for teens after a ticket or an accident: Erie
Erie has the best low-cost auto insurance in Illinois for teens with a speeding ticket or accident.
After a speeding ticket, liability-only coverage from Erie costs around $106 per month for an 18-year-old. That's less than half the Illinois average of $217 per month.
Erie is also the cheapest company after a crash. At $128 per month for liability-only coverage, Erie is less than half the state average for teens with an accident on their record.
Cheap liability car insurance in Illinois for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $106 | $128 |
| Auto-Owners | $150 | $206 |
| Country Financial | $177 | $204 |
| Travelers | $178 | $211 |
| Progressive | $184 | $192 |
*USAA is only available to current and former military members and their families.
Young drivers in Illinois can expect their rates to increase by around 26% after one speeding ticket and 57% after an at-fault accident.
That's because insurance companies believe these drivers are more likely to cause another accident in the future. This makes them more expensive to cover.
Cheapest insurance rates in IL after a DUI: Travelers
Travelers has the best rates in Illinois for drivers with a DUI, at $176 per month for a full coverage policy. That's close to half the Illinois average, which is $337 per month.
Cheap auto insurance quotes in Illinois after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $176 |
| Progressive | $205 |
| Erie | $263 |
| Auto-Owners | $267 |
| Country Financial | $406 |
*USAA is only available to current and former military members and their families.
Driving under the influence is serious, and it has a big impact on your insurance rates. In Illinois, rates increase by an average of 82% after one DUI.
Cheapest IL insurance for drivers with poor credit: Travelers
Travelers has the most affordable quotes in Illinois for drivers with bad credit. Its average price is just $182 per month for a full coverage policy. That makes Travelers less than half the state average of $393 per month.
Cheapest Illinois car insurance quotes for drivers with poor credit
Company | Monthly rate |
|---|---|
| Travelers | $182 |
| Country Financial | $224 |
| Progressive | $271 |
| Erie | $322 |
| Auto-Owners | $458 |
*USAA is only available to current and former military members and their families.
People with poor credit in Illinois pay more than twice as much for car insurance as people with good credit. That's because insurance companies believe people with lower credit scores tend to file more claims.
Improving your credit doesn't happen overnight. But there are a few ways you can boost your credit score to lower your insurance rates, like making your payments on time.
Best car insurance in Illinois
USAA is the best company for Illinois drivers who want great service, coverage and rates in Illinois.
USAA customers are happy with their plans, according to J.D. Power's satisfaction survey. Plus, USAA has a reputation of being one of the best car insurance companies in the country. The downside is that USAA is only available to people affiliated with the military.
Erie also has excellent customer service and great rates, and it's available to all Illinois drivers. Erie is a reliable company with about one-quarter as many complaints as average, according to the most recent customer complaint report from the Illinois Department of Insurance.
Top auto insurance companies in Illinois
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| Erie | 703 | A | |
| State Farm | 650 | A++ | |
| Auto-Owners | 638 | A+ | |
| Travelers | 613 | A++ |
Average car insurance cost in Illinois by city
Dolton, a village south of Chicago, is the most expensive city for auto insurance in Illinois.
Full coverage in Dolton costs around $303 per month.
Chenoa, a city east of Peoria, is the cheapest city in Illinois, at $167 per month, on average.
Full coverage Illinois car insurance rates by city
City | Monthly rate | % from average |
|---|---|---|
| Abingdon | $194 | 5% |
| Adair | $193 | 4% |
| Addieville | $200 | 8% |
| Addison | $209 | 13% |
| Albany | $181 | -2% |
Car insurance quotes tend to be more expensive in denser urban areas, like those around Chicago. That's because more traffic and higher crime rates mean drivers are more likely to get in accidents or have their cars stolen.
Illinois car insurance requirements
Drivers in Illinois must have at least 25/50/20 of liability coverage to drive legally.
This coverage pays for another driver's injuries or damage to their car if you cause an accident.
You also need matching uninsured motorist bodily injury liability limits, which pays for your own injuries if you're hit by someone who doesn't have insurance.
IL minimum liability limits
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000 per accident
- Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident
What's the best car insurance coverage for Illinois drivers?
Full coverage insurance is the best choice for most drivers in IL.
A full coverage policy includes comprehensive and collision coverages, which protect your car after an accident. Without full coverage, you'll have to pay to fix or replace your own car if you cause a crash.
If you have a car loan or lease, your lender usually requires you to have collision and comprehensive coverage. These coverages are also a good idea if your car is worth more than $5,000 or less than eight years old.
Full coverage car insurance can also have higher liability limits than the state requirement. This is important because the minimum amount of coverage required in Illinois probably isn't enough to fully cover the cost of a serious accident.
For example, if you hit and total a newer Tesla, $20,000 of property damage liability coverage isn't enough to buy a replacement car. You'll have to pay the difference out of pocket.
Frequently asked questions
What is the cheapest car insurance in Illinois?
Travelers has the cheapest full coverage car insurance in Illinois in 2026. Travelers charges an average of $120 per month for full coverage, which is $65 per month less than the state average.
Erie has the cheapest minimum liability rates in Illinois, at $42 per month, which is $25 per month less than average.
How much is car insurance in Illinois per month?
The average cost of auto insurance in Illinois is $185 per month for full coverage. Minimum liability coverage costs an average of $67 per month.
Is Illinois car insurance expensive?
Auto insurance in Illinois is about average compared to the rest of the country. Full coverage in Illinois costs $179 per month, which is 2% more than the national average. At $74 per month, minimum coverage in Illinois costs 8% more than average.
How much does auto insurance in Joliet cost?
The average cost of car insurance in Joliet, a Chicago suburb, is $209 per month for full coverage. That's 13% higher than average in Illinois. In comparison, full coverage insurance in Peoria costs around $198 per month.
What car insurance is required in Illinois?
Drivers in Illinois must have $25,000 of bodily injury liability coverage per person and $50,000 per accident, as well as the same limits for uninsured motorist coverage. Illinois drivers must also have $20,000 of property damage coverage per accident.
How do you file a complaint against a car insurance company in Illinois?
You can file a complaint with the Illinois Department of Insurance by submitting a form online, by email or by mail. Through this process, the Department of Insurance will investigate and may ask the insurance company to fix the issue.
Methodology
To find the cheapest car insurance in Illinois, ValuePenguin collected thousands of quotes for ZIP codes across Illinois from the largest companies in the state. Rates are for a 30-year-old man with good credit, who drives a 2018 Honda Civic EX.
Quotes are for a full coverage policy with higher liability limits than required in Illinois, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
