Illinois Auto Insurance
Compare auto insurance quotes in Illinois. Choose from Travelers, Safeco, Progressive and dozens of other top companies.
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How much is auto insurance in Illinois?
According to Kaggle, the average cost for auto insurance in Illinois is $878 per year. This is for policies with minimum coverage and liability only. Of course, if you have adequate coverage, you're likely going to see a higher rate.
For example, adding Comprehensive and Collision coverage will probably more than double your rate.
This puts Illinois as the 22nd most expensive state for auto insurance. Michigan is the highest at $2,352 per year and South Dakota is the cheapest at $336 per year.
Average auto insurance cost in surrounding states
In this midwest region, Illinois is among the more expensive states. As you can see, rates vary significantly. The difference between Iowa and Kentucky is a whopping 74%.
| State | Average annual cost |
|---|---|
| Kentucky | $1,338 |
| Oklahoma | $742 |
| Missouri | $874 |
| Illinois | $878 |
| Arkansas | $677 |
| Kansas | $654 |
| Nebraska | $599 |
| Tennessee | $577 |
| Iowa | $357 |
Illinois auto insurance cost by city
Just as there are differences in cost by state, the same can be seen between cities in the same state. Within just a few miles rates can be affected. This is due to population density, traffic and accident data, weather patterns, crime and more.
| City | Average annual cost |
|---|---|
| Chicago | $927 |
| Naperville | $906 |
| Aurora | $886 |
Who are the best auto insurance companies in Illinois?
There are dozens of options to choose from for your auto insurance in Illinois. Everyone is saying they have the lowest rate in order to grab your attention. It's definitely a crowded space. With our extensive experience working with many insurance companies we've put together our top 5 recommendations to help you make an informed decision.
Best auto insurance companies
| Rank | Company | Reasoning |
|---|---|---|
| #1 | Cincinnati | Fewest customer complaints. Rates are stable. Our customers give very positive feedback about their claims experience. |
| #2 | Travelers | Strong policy. Great claims experience. One of the best reputations in the industry. |
| #3 | Safeco | As a Liberty Mutual company, Safeco has strong financial backing. Over 100 years in business and committed to the independent insurance channel. |
| #4 | Nationwide | One of the largest insurance and financial services companies in the world. Over 90 years in business. Strong policies. Great claims experience. |
| #5 | Progressive | The discount choice for those looking for cheap auto insurance. Great technology. Ease of doing business. |
How did we determine the rankings?
Our rankings are based on our real world experience working with insurance companies in Illinois over the last 15 years. Here are some attributes we feel are important:
Some companies are strong in one area but weak in others. For example, some companies will have a great price, but the claims experience is poor. Others may have great coverage, but the price is significantly out of line. Our top 5 choices have a healthy blend of these attributes and we would feel comfortable recommending them to anyone.
Illinois Auto Insurance Coverage
Liability
Covers damage you cause to someone else including bodily injury and property damage.
Comprehensive
Covers non-collision damages such as theft, vandalism and natural disasters.
Collision
Coverage that pays for damages to your own car when you're in an at-fault accident.
More Options
More options for rental car, roadside assistance, GAP coverage, medical payments and more.
See all auto insurance coverage options.
Illinois auto insurance requirements
The Illinois Departmet of Insurance states you must carry the following minimum coverages:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $20,000 per accident
- Uninsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident
- Underinsured Motorist Bodily Injury: Required if you purchase higher limits of Uninsured Motorist Bodily Injury coverage.
These are minimums and we always recommend more adequate coverage.
Our minimum recommendation
- Bodily Injury Liability: $100,000 per person / $300,000 per accident
- Property Damage Liability: $100,000 per accident
- Uninsured Motorist Bodily Injury: $100,000 per person / $300,000 per accident
- Underinsured Motorist Bodily Injury: $100,000 per person / $300,000 per accident
Comprehensive and Collision coverage, often referred to as full coverage, are not required by the state. However, if you have a loan on your vehicle, your lender will require you to have full coverage.
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Illinois cities served
Partners Insurance proudly serves the entire state of Illinois for auto insurance. If you don't see your city listed, no problem, we're happy to help.
Cook County
Alsip Auto Insurance
Arlington Heights Auto Insurance
Barrington Auto Insurance
Barrington Hills Auto Insurance
Bartlett Auto Insurance
Bedford Park Auto Insurance
Bellwood Auto Insurance
Bensenville Auto Insurance
Berkeley Auto Insurance
Berwyn Auto Insurance
Blue Island Auto Insurance
Bridgeview Auto Insurance
Broadview Auto Insurance
Brookfield Auto Insurance
Buffalo Grove Auto Insurance
Burbank Auto Insurance
Burnham Auto Insurance
Burr Ridge Auto Insurance
Calumet City Auto Insurance
Calumet Park Auto Insurance
Chicago Auto Insurance
Chicago Heights Auto Insurance
Chicago Ridge Auto Insurance
Cicero Auto Insurance
Country Club Hills Auto Insurance
Countryside Auto Insurance
Crestwood Auto Insurance
Deer Park Auto Insurance
Deerfield Auto Insurance
Des Plaines Auto Insurance
Dixmoor Auto Insurance
Dolton Auto Insurance
East Hazel Crest Auto Insurance
Elgin Auto Insurance
Elk Grove Village Auto Insurance
Elmhurst Auto Insurance
Elmwood Park Auto Insurance
Evanston Auto Insurance
Evergreen Park Auto Insurance
Flossmoor Auto Insurance
Ford Heights Auto Insurance
Forest Park Auto Insurance
Forest View Auto Insurance
Frankfort Auto Insurance
Franklin Park Auto Insurance
Glencoe Auto Insurance
Glenview Auto Insurance
Glenwood Auto Insurance
Golf Auto Insurance
Hanover Park Auto Insurance
Harvey Auto Insurance
Harwood Heights Auto Insurance
Hazel Crest Auto Insurance
Hickory Hills Auto Insurance
Hillside Auto Insurance
Hinsdale Auto Insurance
Hodgkins Auto Insurance
Hoffman Estates Auto Insurance
Homer Glen Auto Insurance
Hometown Auto Insurance
Homewood Auto Insurance
Indian Head Park Auto Insurance
Inverness Auto Insurance
Justice Auto Insurance
Kenilworth Auto Insurance
La Grange Auto Insurance
La Grange Park Auto Insurance
Lansing Auto Insurance
Lemont Auto Insurance
Lincolnwood Auto Insurance
Lynwood Auto Insurance
Lyons Auto Insurance
Markham Auto Insurance
Matteson Auto Insurance
Maywood Auto Insurance
Melrose Park Auto Insurance
Merrionette Park Auto Insurance
Midlothian Auto Insurance
Morton Grove Auto Insurance
Mount Prospect Auto Insurance
Niles Auto Insurance
Norridge Auto Insurance
North Riverside Auto Insurance
Northbrook Auto Insurance
Northfield Auto Insurance
Northlake Auto Insurance
Oak Brook Auto Insurance
Oak Forest Auto Insurance
Oak Lawn Auto Insurance
Olympia Fields Auto Insurance
Orland Hills Auto Insurance
Orland Park Auto Insurance
Palatine Auto Insurance
Palos Heights Auto Insurance
Palos Hills Auto Insurance
Palos Park Auto Insurance
Park Forest Auto Insurance
Park Ridge Auto Insurance
Phoenix Auto Insurance
Posen Auto Insurance
Prospect Heights Auto Insurance
Richton Park Auto Insurance
River Forest Auto Insurance
River Grove Auto Insurance
Riverside Auto Insurance
Robbins Auto Insurance
Rolling Meadows Auto Insurance
Roselle Auto Insurance
Rosemont Auto Insurance
Sauk Village Auto Insurance
Schaumburg Auto Insurance
Schiller Park Auto Insurance
Skokie Auto Insurance
South Barrington Auto Insurance
South Chicago Heights Auto Insurance
South Holland Auto Insurance
Steger Auto Insurance
Stickney Auto Insurance
Stone Park Auto Insurance
Streamwood Auto Insurance
Summit Auto Insurance
Thornton Auto Insurance
Tinley Park Auto Insurance
University Park Auto Insurance
Westchester Auto Insurance
Western Springs Auto Insurance
Wheeling Auto Insurance
Willow Springs Auto Insurance
Wilmette Auto Insurance
Winnetka Auto Insurance
Worth Auto Insurance
Dupage County
Will County
Frequently Asked Questions
The average cost of car insurance in Illinois is $878 per year for minimum coverage.
The following minimum coverage is required by state law in Illinois:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $20,000
- Uninsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident
- Underinsured Motorist Bodily Injury: Required if you purchase higher limits of Uninsured Motorist Bodily Injury coverage.
These are minimums and we always recommend more adequate coverage.
Compared to surrounding states, Illinois auto insurance rates are on the higher end.
We compared 7 other close states and Illinois is the 3rd most expensive.
Kentucky is the most expensive with an average of $1,388/yr and Missouri is second at $874/yr.
No. Typically when people say full coverage they're referring to Comprehensive and Collision. Neither are required by state law in Illinois.
However, if you have a loan on your car, the lender is likely going to require you to have Comprehensive and Collision coverage.
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