There are a lot of factors to consider when you are looking for the best car insurance in Illinois. You will want to find an insurance company that offers the coverage you need at a price you can afford.
You will also want to consider the company’s financial stability and customer service record. To help you find the best car insurance in Illinois, we have compiled a list of the top 10 cheapest car insurance companies in the state for 2022. We have also included a brief description of each company and their rating from AM Best.
Key Takeaways
- The cost for car insurance in Illinois per month
- The top 10 cheapest car insurance in Illinois for 2022
- Answer to most likely frequent ask questions you will like to know
The Cost For Car Insurance In Illinois Per Month
The average cost of minimum coverage in Illinois is $49 per month, while a full-coverage policy costs $150 per month. Country Financial, Erie, and Geico are the lowest insurance providers in Illinois, and comparing quotes from many providers will help you get the best bargain.
Illinois’s average cost of auto insurance, broken down by category
- $50 monthly with a clean driving record
- After an accident that you caused: $79 per month
- Poor credit driver: $81 per month
- Teenage driver: $146 monthly
- Following a DUI: $102 monthly
Illinois ranks 25 out of 50 states with the lowest average cost of auto insurance in the US, 18% less than the national average auto insurance premium. Your driving history, age, location, the amount of coverage you get, and the insurance provider from whom you purchase it are just a few variables that will determine how much you will pay for auto insurance in Illinois.
Finally, it’s important to remember that Illinois’s auto insurance rates are expensive compared to those in nearby states like Wisconsin and Missouri.
The Top 10 Cheapest Car Insurance In Illinois For 2022
This list can help drivers locate Illinois’s lowest auto insurance carriers by city. Those interested in learning more about which firms provide the best value for money should read on.
1. State Farm Offers The Cheapest Auto Insurance Rates For DUI Drivers.
Some insurers provide better rates than others for drivers with a DUI on their record. A comprehensive coverage policy from State Farm costs just $1,561 annually. No other insurance provided a quotation that came close to that sum.
Driving under the influence is one of the most severe traffic offences, and the consequences are harsh. After a single DUI conviction, prices rise by an average of 57% across the state of Illinois’ most well-known insurers.
monthly rate and the company
- State Farm: $87
- Travelers: $168
- Country Financial: $171
- progressive $172
- American Family: $250
2. Cheapest Auto Insurance Rates For Bad Credit Drivers
Country Financial is a good option for drivers with terrible credit. Its average price for a full coverage policy is $1,825 per year, the lowest of any business we surveyed.
A poor credit score does not imply that you are a terrible driver, but it might affect your insurance costs. Insurance firms have discovered a link between a driver’s credit score and their likelihood of filing a claim, so individuals with lower credit scores pay more.
Monthly rate and company
- Country Financial: $152
- State Farm: $153
- Travelers: $174
- American family: $220
- Progressive: $259
3. Illinois Has The Cheapest Vehicle Insurance For Young Drivers.
Younger drivers usually pay far more for auto insurance than older drivers, particularly if they purchase a policy independently. Car insurance for an 18-year-old on their policy costs an average of $5,149 per year for full coverage and $2,236 for minimal coverage.
However, some firms provide lower rates to 18-year-old drivers. State Farm offers the most cost-comprehensive coverage ($2,970 per year), while Country Financial offers the most affordable essential protection ($1,222).
Full coverage and company
- $259 for Country Financial
- $248 from State Farm
- Geico: $370
- $344 for travelers
- $543 from Allstate
4. After A Speeding Citation, The Cheapest Auto Insurance For Young Drivers
Speeding penalties have a detrimental influence on rates in most cases, and younger drivers are no exception. On the other hand, State Farm offers the lowest rate to most teenagers, with an average price of $1,406 per year. That’s 48% less than the national average.
Monthly rate and company
- $117 from State Farm
- $139.00 Country Financial
- Geico $171
- Travelers $194
- American household $216
5. Quotes For The Cheapest Auto Insurance For Married Drivers
Married people frequently enjoy reduced rates on their automobile insurance coverage since insurers have discovered that they are less prone to file claims. Married Illinois drivers save around 9% on their insurance rate compared to single drivers.
State Farm offers the lowest rates for married drivers, although their prices for married drivers have not changed. Progressive and Country Financial provide the most significant discounts to married drivers, at 16% and 13%, respectively.
Monthly rate and company
- State Farm: $80
- Country Financial: $94
- Travelers: $124
- Progressive: $132
- American Family: $138.00
6. Military Drivers Get The Lowest Car Insurance In Illinois
At roughly $366 per year, GEICO is Illinois’s cheapest vehicle insurance company for service personnel and veterans.
While not the lowest option in the state, Illinois drivers with a military background might look into USAA. The firm constantly rates itself as one of the finest in the country and has some of the most significant offerings in general.
- The average annual rate is $432.
With an average policy cost of $432 per year, USAA is Illinois’s fourth-cheapest vehicle insurance company. You may benefit from standard USAA discounts such as bundling, good student, multiple car, and safe driving. Other uncommon discounts include legacy, loyalty, mileage, and new car.
7. The Cheapest In Illinois For Drivers Who Were At Fault In An Accident.
Drivers with offences frequently pay more significant premiums than those with spotless driving histories. For example, if you have an at-fault collision on your record, your average premium will be $695 more than the rate of a good driver. Car insurance will cost you an average of $1,886 each year.
If you have an at-fault collision on your record, the following are the cheapest average companies in Illinois:
- $1,178 per year with State Farm
- $1,187 per year for Country Financial
Meanwhile, AAA has the highest yearly average rate for this profile, at $2,924.
8. Seniors Can Get The Cheapest Car Insurance In Illinois.
Senior drivers in Illinois often pay more significant premiums than middle-aged drivers. In Illinois, the average annual premium for old drivers is $1,243. In Illinois, the average 40-year-old driver pays $1,191 per year.
On average, the cheapest full-coverage choices for senior drivers in Illinois are:
- GEICO: $822 annually
- Country Financial: $909 annually
AAA is the most expensive choice for senior drivers in Illinois, costing around $1.934 per year.
When seniors reach the age of 65, their insurance costs may rise. Before renewing their driver’s license, people over the age of 65 can expect to complete a Rules of the Road course and a written exam, according to the Office of the Illinois Secretary of State
9. Illinois Full Coverage Car Insurance At The Lowest Price
Drivers in Illinois who want to be protected against most road accidents and off-road occurrences should consider purchasing a full coverage policy that includes more significant liability limits and comprehensive collision insurance.
While this coverage is more expensive, it also covers the cost of automotive damage. Comparing individual auto insurance quotes from several insurers will assist you in locating the most acceptable deal.
The cheapest total coverage vehicle insurance providers in Illinois, based on average prices, are:
- GEICO: $829 annually
- Mercury costs $904 per year.
AAA is the most costly vehicle insurance carrier in Illinois for comparable coverage, with an average annual rate of $1,754.
10. Illinois Has The Lowest Minimum Liability Car Insurance Rates.
A minimal liability policy covers the state’s essential standards and is the cheapest vehicle insurance for Illinois drivers. It will protect you from expenditures incurred by the driver of another vehicle if you are involved in an at-fault collision. It will not, however, cover damage to your car.
It investigated vehicle insurance providers in Illinois and discovered that the most affordable alternatives for minimal coverage are, on average:
- GEICO: $385 annually
- Mercury costs $386 per year.
Farmers provide the most costly vehicle insurance for basic coverage based on average rates, at $839 per year.
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Conclusion
State minimums are insufficient for drivers with money and other assets they want to keep safe if they are sued. If you cause a costly collision, you want high liability insurance.
Illinois mandates uninsured motorist protection as well. UM, insurance covers only injuries sustained in auto accidents, not auto body work. It protects your medical expenses if you are hurt in a hit-and-run accident or struck by a vehicle without liability insurance.
Underinsured motorist (UIM) insurance is also necessary. This is for situations where the at-fault driver’s liability coverage is insufficient to cover your medical expenses. The discrepancy between the other driver’s liability limit and your UIM limit will be covered by your UIM. As a result, if you have $100,000 in UIM, Your prospective UIM claim would be for $75,000 instead of $100,000 if the other motorist only had $25,000 in insurance.
FAQS
Which City In Illinois Has The Cheapest Car Insurance?
Most states mandate minimum liability insurance as the cheapest automobile insurance and the lowest level of coverage. Furthermore, most auto insurance estimates give total coverage prices for people who want more protection.
Where Can I Get Cheap Auto Insurance?
USAA offers the lowest rates among national insurers, at $36 per month, with State Farm coming in second at $44 per month. Farm Bureau is the most affordable local provider, at $39 per month.
What Is The Minimum Auto Insurance Coverage In Illinois?
If you have at least the following minimum levels of liability insurance, you conform with the law: $25k for one person’s accident-related injuries or demise. $50,000 if more than one person is injured or killed in an accident. $20,000 for damage to another person’s property.
Is It Illegal To Not Have Car Insurance In Illinois?
Liability insurance, which protects drivers in the case of an accident and pays for property damage and bodily harm to others, is a requirement for all motor vehicles registered and operated in Illinois.
Is Illinois A No-Fault Auto Insurance State?
Is there no-fault insurance in Illinois? Regarding vehicle insurance, Illinois is NOT a “no-fault” state. It has an at-fault (or tort) system with rules governing comparative negligence. If a motorist is judged to be more than 50% responsible for an accident, they must reimburse the other party for damages.
You can learn more from the video below:
About Author
- I am a professional article and e-book writer with 4 years of experience, I write on well research content on cryptocurrency, stocks, loans and finances.
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