Cheap car insurance in Illinois for 2025

The best car insurance company is different for every driver. When determining the best car insurance company for you, first consider what is most important to you. Think about your location: If you live in downtown Chicago and don’t drive much, you may want to look at insurers that will offer lower premiums for lower mileage. If you live in a suburb like Naperville and handle the daily carpool, you may want to start with insurers that offer competitive rates for insuring an SUV. Once you narrow down your priorities, decide what types of coverage you want (and how much) and collect quotes from a few companies to compare prices to see which company is best for you.

In Illinois, the average cost of car insurance for full coverage is $208 per month, while the average cost for minimum coverage is $57. These rates can vary based on several factors, such as your driving record and type of vehicle. Illinois does allow insurers to consider factors that are restricted in other states as well, such as your age, gender and credit-based insurance score. It's essential to compare quotes from different insurance companies in Illinois to ensure you're getting the best rate for your individual circumstances.

No two Illinois drivers are the same. Even if you purchase an identical amount of coverage from the same provider as someone else, your premium may be more expensive. This is because each insurance provider has its own unique method for evaluating risk based on factors like your ZIP code, driving record, vehicle type and more, which is ultimately used to determine your premium. While these factors can sometimes result in higher costs, they can also work in your favor.

For many drivers, finding cheap car insurance in Illinois isn't difficult; however, it's always a good idea to do a bit of research. You may want to start by reading up on strategies for choosing cost-effective coverage. Gather several quotes from different insurers to see which offer the best rate for your needs. Don't forget to periodically review your policy. It’s a simple way to make sure you're benefiting from all potential discounts and not paying for unnecessary coverage.

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. 

Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.

Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.

Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy. 

The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.