Illinois Auto Insurance

Compare auto insurance quotes in Illinois. Choose from Travelers, Safeco, Progressive and dozens of other top companies.

5.0  google review 5 stars partners insurance   194 Google Reviews

auto insurance quote comparison example

Key takeaways

The average auto insurance cost in Illinois is $878 per year
Illinois is the 22nd most expensive state for auto insurance
Cincinnati is our top pick for auto insurance in Illinois
Table of Contents
    Add a header to begin generating the table of contents

    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:

    Coverage
    Price
    Customer service
    Claims experience
    Financial stability

    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

    auto liability coverage

    Liability

    Covers damage you cause to someone else including bodily injury and property damage.

    hailing on car

    Comprehensive

    Covers non-collision damages such as theft, vandalism and natural disasters.

    car crash

    Collision

    Coverage that pays for damages to your own car when you're in an at-fault accident.

    car being towed

    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.

    What our customers are saying

    5.0  google review 5 stars    182 Google Reviews

    Wan Ching Chan
    a month ago
    Today 11/1/2024, Mr. Brian Risk at Partners Insurance Inc, helped me to set up my home insurance with Travelers. I have never had an agent before for home insurance and car insurance. I have a lot of questions on my new home insurance policy. Brian answered my...
    Mary Leslie
    3 months ago
    I reached out to Partners Insurance in hopes of saving money on my auto insurance. Brian responded quickly and patiently answered my many questions about comparing my current coverage with a new policy. I was able to save quite a bit of money, and got better coverage. The new policy...
    Richard Smith
    4 months ago
    I recently worked with Brian Risk to find a new carrier for my homeowners, auto and umbrella insurance. Thanks to his advice, my overall annual premium is reduced, the coverage is more appropriate for my needs and I am with a more highly rated company. Brian spent as...

    How it Works

    Request a Quote

    One of our expert agents will start shopping dozens of insurance companies.

    Review Your Options

    Your agent will show you the best options and help you choose the best policy for you.

    Finalize

    You can finalize your policy right from your phone. We'll even help you cancel your old policy.

    The best way to compare and buy Illinois car insurance.

    Let us do the work.

    woman smiling

    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

    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.

    More from our blog

    Why Do My Auto Insurance Rates Keep Going Up Even Though My Car Keeps Getting Older?

    By Brian Risk | February 2, 2017

    Why do my auto insurance rates keep going up even though my car is getting […]

    Read More
    Call Email Policy Service Payments