Best Car Insurance In Illinois For 2025
In Illinois, State Farm, GEICO and Chubb are among the best car insurance companies.
We’ve saved shoppers an average of $600 per year on their car insurance.
The average annual rate for comprehensive car insurance in Illinois is $2,359, while minimum coverage costs $671.
No matter if you’re seeking liability-only coverage, “full coverage” for a new vehicle, or policies designed for families and seniors, we’ve highlighted the best car insurance companies in Illinois.
With 15 years of experience as a licensed insurance agent, this guide will help you navigate your options and find reliable coverage.
Best Car Insurance Companies In Illinois, 2025
Compare The Best Car Insurance In Illinois
| Overall Rating | Best For | A.M Best Rating | J.D Power Rating | Local Sales Agent Presence | Get A Quote | |
|---|---|---|---|---|---|---|
| State Farm |
|
Overall |
A++ |
826 |
Yes |
Instant Quote |
| Amica |
|
Young Adults |
A+ |
Not Rated |
Yes |
Instant Quote |
| Wawanesa |
|
Budget Option |
A+ |
843 |
Yes |
Instant Quote |
| Chubb |
|
New Cars |
A++ |
Not Rated |
Yes |
Instant Quote |
| Allstate |
|
Seniors |
A++ |
816 |
Yes |
Instant Quote |
| AAA |
|
Driving Violations |
A- |
832 |
Yes |
Instant Quote |
| GEICO |
|
Minimum Coverage |
A++ |
830 |
No |
Instant Quote |
| Travelers |
|
Full Coverage |
A++ |
Not Rated |
Yes |
Instant Quote |
| Farmers |
|
Families With Teens |
A |
813 |
Yes |
Instant Quote |
| State Farm |
|
Customer Service |
A++ |
826 |
Yes |
Instant Quote |
Best Car Insurance Companies In Illinois 2025
Best Overall
Key Statistics
Why We Like Them
⇅State Farm sets the standard for car insurance in Illinois by offering affordable and comprehensive policies. Discounts for safe driving, multi-car coverage, and safety features make their rates even more attractive. With high marks for customer satisfaction and accessible local agents who provide personalized support, they’ve earned the loyalty and trust of countless drivers.
Benefits & Drawbacks
⇅- Competitive rates
- A wide range of insurance coverage
- Superior customer experience ✓
- This isn't the cheapest available.
- Meager digital resources
- Expenses rise following claims filed. ✘
Best For Minimum Coverage
Key Statistics
Why We Like Them
⇅Illinoisans searching for minimum coverage often turn to GEICO for its combination of low pricing and excellent service. With some of the most affordable rates in the market, GEICO helps drivers meet state requirements economically. Their easy-to-navigate online platform and app enhance the customer experience by making policy and claims management hassle-free.
Benefits & Drawbacks
⇅- Inexpensive coverage fees
- Optimal digital platforms
- Timely claim processing ✓
- Elementary coverage selections
- Indifferent client handling
- Agents are not present locally. ✘
Best For Full Coverage
Key Statistics
Why We Like Them
⇅Travelers excels in full coverage car insurance for Illinois drivers by offering extensive policies that go beyond liability to include collision, theft, and disaster protection. Their accident forgiveness, new car replacement, and gap coverage options add value, making them a perfect fit for Illinoisans dealing with high repair costs and vehicle values. Travelers’ strong financial backing and excellent customer support ensure dependable coverage.
Benefits & Drawbacks
⇅- Comprehensive insurance plans
- Take advantage of accident forgiveness.
- Substitution for a recently manufactured car ✓
- Upgraded premium costs
- Intriguing policy alternatives
- Extended period for claim settlements ✘
Best For Seniors
Key Statistics
Why We Like Them
⇅With benefits like senior discounts, accident forgiveness, and safe driving incentives, Allstate is the preferred insurer for seniors in Illinois. Their policies are designed for affordability and protection, while their low-mileage discounts and modern online tools make managing insurance easy for older drivers.
Benefits & Drawbacks
⇅- Specially designed deals for older customers
- Accidents may be forgiven
- Robust smartphone app ✓
- Raised insurance premiums
- Unpredictable customer service performance
- Navigating policy options can pose challenges. ✘
Best For New Cars
Key Statistics
Why We Like Them
⇅For new car owners in Illinois, Chubb provides unmatched insurance coverage tailored to high-value vehicles. Their agreed value policy ensures that policyholders receive the full insured amount in the event of a total loss, protecting against depreciation. Additional benefits, such as high rental reimbursement limits, key replacement, and a wide range of repair shop options, make Chubb an ideal choice for maintaining new cars. Their stellar customer service and seamless claims process further solidify their standing as the top provider for new vehicle coverage.
Benefits & Drawbacks
⇅- Coverage set at agreed-upon value
- Excellent claims management
- Cutting-edge policy perks ✓
- High-end pricing
- The coverage may be considered excessive.
- Diminished discount availability ✘
Best For Young Adults
Key Statistics
Why We Like Them
⇅Recognized for its affordability and customer service, Amica is the best car insurance provider for young adults in Illinois. Discounts for good grades and safe driving habits make it an appealing choice for cost-conscious drivers.
Benefits & Drawbacks
⇅- Attractive rates for the youth market.
- Exceptional support for customers
- Expedited claims processing ✓
- Constrained physical sites
- Limited high-risk insurance choices.
- Usage does not affect discount eligibility. ✘
Best For Families With Teens
Key Statistics
Why We Like Them
⇅Farmers Insurance caters to the unique needs of families with teenage drivers in Illinois, offering good student discounts and safe driving incentives. Their flexible policies adapt as teens gain experience, providing families with peace of mind.
Benefits & Drawbacks
⇅- Savings for exemplary students
- Customizable insurance packages
- Educational content for adolescents ✓
- Potential for heightened premium amounts
- Irregularities in customer care quality
- Multi-layered policy schemes ✘
Best For Driving Violations
Key Statistics
Why We Like Them
⇅Illinois drivers with prior violations can turn to AAA for insurance that supports their efforts to improve. Accident forgiveness and defensive driving discounts make coverage accessible and encourage the development of safer habits, offering both financial relief and educational opportunities.
Benefits & Drawbacks
⇅- Absolution for first crash
- Savings for Safe Driving Techniques
- Custom-designed insurance packages for risky drivers. ✓
- Greater penalties for violations
- Sparse array of coverage options
- Only members allowed. ✘
Best For Budget Option
Key Statistics
Why We Like Them
⇅Wawanesa is a standout choice for drivers in Illinois seeking cheap car insurance. With competitive pricing and high customer satisfaction, it delivers reliable coverage without unnecessary extras.
Benefits & Drawbacks
⇅- Cost-effective rates
- Reliable customer contentment
- Smooth claims processing ✓
- Sparse coverage alternatives
- The options for discounts have decreased.
- Geographical limitations affecting availability ✘
Best For Customer Service
Key Statistics
Why We Like Them
⇅State Farm excels in customer service, making it a top insurance provider in Illinois. Their local agents offer personalized advice, and their smooth claims process demonstrates a genuine commitment to client satisfaction.
Benefits & Drawbacks
⇅- Competitively priced
- Extensive range of insurance choices
- Remarkable support for customers ✓
- Comes with a higher price tag.
- Insufficient digital devices
- Rates go higher after claims are filed. ✘
How To Find The Best Car Insurance In Illinois
Finding the best car insurance in Illinois requires careful evaluation of your needs. Begin with your state’s liability minimums to make sure you’re legally covered, but think about whether those minimums will be enough to protect you financially. For leased or financed cars, lenders often insist on comprehensive and collision policies.
Other considerations include how much you drive, the value of your car, and how much risk you’re comfortable with. Coverage like uninsured motorist protection can be crucial in areas with many uninsured drivers. Comparing insurance offers from several companies will help you secure affordable and effective coverage.
How To Buy Car Insurance In Illinois
Implement these five steps to find the appropriate car insurance in Illinois based on your needs.
Assess Your Coverage Needs
Review your car’s value, your driving patterns, and your personal financial situation to figure out how much insurance coverage you need. Evaluate whether to go beyond minimum liability with additional collision and comprehensive policies.
Research Potential Insurers
Look into different Illinois car insurance companies to assess their customer service, claims handling, and financial stability. Utilize online reviews, ratings from independent sources like J.D. Power, and feedback from current and past customers to gauge the reliability of each insurer.
Gather Necessary Information
Gather all necessary information, including your driver’s license number, vehicle registration, driving history, and any relevant documents that could affect your rates, before requesting quotes. This will help speed up the process and ensure you receive accurate pricing
Compare Quotes
Use Insuranceopedia to receive quotes from various insurers and assess their pricing and coverage options.
Purchase the Policy
After you’ve decided on the insurer that offers the best coverage at the best price, proceed to buy the policy. Many insurers now offer online or phone purchasing options, making it convenient to obtain coverage right away. After making the purchase, be sure to print your insurance cards and any other necessary paperwork.
Average Cost Of Car Insurance In Illinois
Quadrant Information Services estimates that “full coverage” car insurance in Illinois costs approximately $197 per month or $2,359 annually. Across the country, the average cost of car insurance is $205 monthly or $2,460 yearly.
| Company | Full Coverage |
| Geico | $1,180 |
| Progressive | $1,414 |
| Auto-Owners | $1,428 |
| AAA | $982 |
| Travelers | $1,121 |
Average Car Insurance Rates In Illinois – By City
Car insurance premiums in Illinois are greatly influenced by the city you live in. Each area comes with its own set of risks, meaning insurance companies charge different rates. For example, drivers in Riverdale pay an annual average of $2,069, while Pontiac drivers pay around $1,356.
| City | Average Premium |
| Pontiac | $1,356 |
| Sterling | $1,356 |
| Normal | $1,358 |
| Bloomington | $1,334 |
| Towanda | $1,338 |
| Venice | $1,957 |
| Dolton | $1,956 |
| Madison | $1,944 |
| Calumet City | $2,110 |
| Riverdale | $2,069 |
Average Car Insurance Rates In Illinois – By Age
Age plays a significant role in shaping auto insurance premiums in Illinois. Younger drivers generally face higher costs for car insurance. For instance, a 16-year-old in Illinois may spend an average of $4,990 annually for full coverage, whereas a 40-year-old driver typically pays around $2,162 per year—more than 50% less.
| Age | Average full coverage rate | Average minimum coverage rate |
|
16
|
$4,990
|
$1,582
|
|
$6,419
|
$2,038
|
|
|
20
|
$5,216
|
$1,489
|
|
$2,805
|
$780
|
|
|
$2,334
|
$648
|
|
|
40
|
$2,162
|
$610
|
|
$2,005
|
$586
|
|
|
60
|
$1,932
|
$578
|
|
$2,092
|
$668
|
Minimum Car Insurance Requirements In Illinois
Illinois law requires drivers to have at least $25,000 in bodily injury liability per person, $50,000 per accident, and $20,000 in property damage coverage to cover basic accident-related expenses.
Our Methodology
Our commitment to precise insurance company ratings drives our comprehensive methodology. We evaluate multiple insurers, drawing insights from various trusted review sites. Key metrics from industry leaders such as A.M. Best and J.D. Power are also integral to our assessments. With 15 years of experience as an insurance agent, including substantial experience in Illinois, I bring firsthand knowledge to enrich our analysis. This rigorous process, incorporating data from credible review sources, ensures our ratings are reliable, guiding your insurance decisions with confidence.
Quotes Assessed
Hours Of Research
Years Of Industry Experience
Brands Reviewed
FAQs
Who is the most trusted car insurance company?
Based on our survey, State Farm and Wawanesa are recognized as the most reliable car insurance companies in Illinois.
How much car insurance do I need?
The extent of car insurance you need is determined by factors like Illinois’ minimum requirements, your car’s value, and your financial position. Consider liability, collision, and comprehensive coverage for adequate protection.
Why is car insurance so expensive in Illinois?
Auto insurance premiums can be high due to various factors, including the level of coverage, your driving history, the type of vehicle, your location, and external factors like inflation and increasing repair costs.
