Best Car Insurance in Illinois for 2025 [See the Top 10 Companies Here!]

Farmers, Allstate, and Nationwide offer the best car insurance in Illinois, with Farmers leading the pack in coverage options and bundling discounts.

For the lowest rates, Geico, USAA, and State Farm offer the best options, especially when comparing car insurance rates by state. Geico’s minimum coverage starts at $18 per month, Nationwide excels in claims simplicity, and Allstate’s Drivewise program rewards safe drivers.

Our Top 10 Company Picks: Best Car Insurance in Illinois

Comparing these options helps Illinois drivers find the best coverage at competitive prices based on the average car insurance costs in Illinois. See if you’re getting the best deal on car insurance by entering your ZIP code.

#1 – Farmers: Top Overall Pick

Pros

• Wide Range of Coverage Options: Farmers provide wide coverage options, including rental car reimbursement. It also has specialized equipment protection.
• Attractive Bundling Savings: Bundling home and auto insurance in Illinois saves the car owner as much as 20% in Illinois with Farmers.
• Financial Stability: Farmers’ A rating from A.M. Best demonstrates its stability and reliability for car insurance in Illinois.

Cons

• Premiums Above State Average: Farmers’ premiums for standard policies are above the average car insurance cost in Illinois.
• Limited Discounts for Risky Drivers: Drivers with accidents or violations may find fewer savings opportunities, according to our Farmers car insurance review.

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#2 – Allstate: Best for UBI Program

Pros

• Innovative UBI Program: Allstate’s Drivewise program rewards customers with lower premiums for safe driving, making this an excellent car insurance in Illinois.
• Local Presence: With a large number of agents, Allstate provides individualized service to customers when purchasing car insurance in Illinois.
• Add-On Coverage: Allstate offers extras like sound system insurance and accident forgiveness, according to our Allstate car insurance review.

Cons

• Lower Financial Strength: Allstate’s B rating may raise concerns about its stability when looking for car insurance rates in Illinois.
• Higher Rates: Allstate’s car insurance rates in Illinois for comprehensive coverage are higher than the state average, making it less affordable for some drivers.

#3 – Nationwide: Best for Simple Claims

Pros

• Smooth Claims Process: Nationwide’s claims process is uncomplicated, making it easy for Illinois drivers to make and settle claims.
• Financial Stability: According to this Nationwide car insurance review, the company has an excellent rating from A.M. Best at A+, which means that it is financially stable.
• Multi-Policy Discounts: Illinois drivers can save as much as 20% by bundling auto and home insurance, thus reducing the average price of car insurance in Illinois.

Cons

• Limited Local Agents: Some Illinois areas have fewer Nationwide agents, limiting in-person service.
• Expensive for Young Drivers: Younger Illinois drivers may face higher premiums than other insurers offering competitive rates.

#4 – Travelers: Best for Competitive Pricing

Pros

• Budget-Friendly Rates: The competitive price in the State of Illinois for Travelers is its budget-friendly car insurance rate for good drivers.
• More Discount Opportunities: There are also other opportunities to gain discounts, such as for policyholders of multi-car or hybrid vehicles.
• Strong Financial Backing: With an A++ financial strength rating, Travelers ensures quick and efficient claims processing for Illinois policyholders.

Cons

• Limited Flexibility in Policy Customization: According to our Travelers car insurance review, the company offers fewer customizable policy options than other Illinois providers.
• Above-Average Collision Coverage Rates: Travelers’ premiums for collision coverage make it more difficult to obtain cheap car insurance in Illinois.

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#5 – State Farm: Best for Customer Satisfaction

Pros

• Customer Satisfaction: State Farm is respected for excellent service in purchasing automobile insurance in the state of Illinois.
• Convenient Access to Local Agents: Residents in Illinois have quick access to custom auto insurance from state agents.
• Teen Driver Coverage: State Farm offers competitive rates and discounts tailored specifically for teen drivers, making it a great choice for families in Illinois.

Cons

• Lower Financial Strength Rating: According to State Farm car insurance reviews,  A.M. Best assigned the company a B rating.
• Bundling Discounts Not as High: State Farm offers a 17% discount for bundling policies, less than the 25% discount available from some other auto insurance providers in Illinois.

#6 – American Family: Best for Personal Service

Pros

• Customized Car Insurance Plans: American Family offers one-on-one customer service to address the specific needs of IL drivers.
• Multi-Policy Discounts: Illinois drivers can enjoy a discount of up to 25% if they bundle more than one policy with American Family.
• Comprehensive Coverage: It provides complete protection against weather-related damage and theft, which makes it an excellent choice for car insurance in Illinois.

Cons

• Higher Premiums in Urban Areas: Some cities are more expensive for drivers. That is to say, they need to look elsewhere for the cheapest auto insurance in Illinois.
• Limited Online Account Management: Our American Family auto insurance review noted that digital tools for managing policies are less advanced than those of its competitors.

#7 – Liberty Mutual: Best for Customizable Options

Pros

• Tailored Coverage: Liberty Mutual car insurance in Illinois can be customized according to the driver’s needs.
• Bundling Discounts: Liberty Mutual offers up to a 25% discount for bundling home and auto insurance, making it one of the best car insurance companies in Illinois.
• Comprehensive Add-Ons: Our Liberty Mutual auto insurance review reveals that the company offers useful add-ons, such as new car replacement and accident forgiveness.

Cons

• Expensive Comprehensive Coverage: Liberty Mutual’s premiums for comprehensive coverage are higher than those of other car insurance providers in Illinois.
• Limited Local Agents: Drivers in rural Illinois may have fewer local agents for in-person support.

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#8 – Progressive: Best for Innovative Tools

Pros

• Advanced Tools for Personalized Coverage: Progressive offers tools like the Name Your Price feature, allowing drivers to tailor their car insurance in Illinois to their specific budget.
• Affordable and Complete Coverage: According to Progressive car insurance reviews, the company offers competitive rates for comprehensive, liability, and collision coverage.
• Safe Driving Rewards: Progressive rewards safe driving by offering discounts on premiums to Illinois residents through the Snapshot telematics program.

Cons

• Limited Discounts for High-Risk Drivers: Compared to other Illinois car insurance companies, drivers with a history of accidents may have fewer opportunities for discounts.
• Inconsistent Customer Service Feedback: Some customers report mixed experiences with Progressive’s customer service representatives.

#9 – USAA: Best for Military Focus

Pros

• Exclusive Military Benefits: USAA offers policies and discounts to active-duty military veterans and their families in Illinois.
• Economic Security: USAA auto insurance reviews demonstrate that the company’s A++ rating makes it a secure choice for Illinois military drivers.
• Competitive Prices: USAA offers some of the lowest auto insurance rates in Illinois, with full coverage starting at $62 per month.

Cons

• Eligibility Restrictions: USAA policies are only available to military members and their families, thus limiting access to many Illinois residents.
• Few Physical Locations: USAA has fewer offices in Illinois, which may be inconvenient for customers who prefer in-person service.

#10 – Geico: Best for Affordable Rates

Pros

• Low-Cost Coverage: Geico is the cheapest car insurance in Illinois, offering liability, comprehensive, and collision coverage.
• Outstanding Financial Stability: Geico has a high rating of A++ by A.M. Best, guaranteeing financial stability when it comes to Illinois car insurance claims.
• Attractive Discounts: Illinois drivers can save money through safe driving, multi-car policies, and other discounts, according to Geico car insurance reviews.

Cons

• Limited Personalized Service: Geico operates primarily online and may not satisfy Illinois drivers who are looking for more hands-on assistance.
• Costs More for High-Risk Drivers: Illinois drivers with past accidents or violations may pay more for car insurance than other providers.

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Illinois Car Insurance Coverage and Rates

The numerous auto insurance options have made making the right choice a daunting task. However, knowing your many options, you will surely find the cheapest Illinois car insurance. Compare rates from other providers in Illinois for the best policy that will fit your budget and coverage needs.

Illinois Car Insurance Monthly Rates by Provider & Coverage Level

Providers like Geico and USAA offer low premiums, with minimum coverage starting at just $18 per month. In contrast, insurers like Allstate tend to charge higher premiums, particularly for full coverage.

For rideshare drivers, standard auto policies may not offer full protection, which is where rideshare insurance coverage comes in. This specialized coverage fills the gap between personal and commercial auto insurance, ensuring drivers are adequately protected at all times.

Car Insurance Discounts in Illinois

Many Illinois auto insurers offer discounts to help reduce premiums, including for safe driving, bundling, and anti-theft devices. Providers like Allstate, Geico, and Farmers often have these offers.

Car Insurance Discounts From the Top Providers in Illinois

You may also qualify for discounts on hybrid vehicles, military status, or through usage-based insurance programs like Progressive’s “Snapshot” or Geico’s “Driving Course.” These savings can range between 5 and 25 percent.

Although Illinois doesn’t offer low-income insurance programs, there are still plenty of ways to save. Ask your insurer about discounts beyond good driving and credit.

Illinois Auto Insurance Discounts

Check out the cost of car insurance archives for insights on how your choices can affect average Illinois car insurance costs and lead to savings.

Illinois Car Insurance Minimum Coverage

In Illinois, drivers must carry minimum liability insurance to protect against accident costs. The required bodily injury liability insurance coverage is $25,000 per person and $50,000 per accident, with $20,000 for property damage and uninsured/underinsured motorist coverage.

Illinois follows a fault-based system, meaning the at-fault driver is responsible for damages. The minimum coverage limits may not be enough for serious accidents. It is best to have high limits for better protection.

Optional coverages are collision, comprehensive, and GAP insurance, which can add security. Comprehensive covers non-collision damages like theft and weather-related issues. While many seek cheap Illinois car insurance, balancing affordability with proper coverage is crucial.

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Driving in Illinois

Driving in Illinois presents risks that every driver should understand. Common auto insurance claims include rear-end collisions, fender benders, and theft claims.

5 Most Common Auto Insurance Claims in Illinois

Rear-end collisions account for 30% of claims, with an average car insurance cost in Chicago of $3,800. Fender benders follow at 20%, costing $1,900 on average.

High insurance premiums are also a result of theft claims, side-impact crashes, and single-vehicle accidents. Filing a car insurance claim after an accident is essential to manage these expenses effectively.

Illinois Accidents & Claims per Year by City

Accident rates vary across Illinois cities. Chicago leads with 12,000 accidents and 11,500 claims annually, while smaller cities like Joliet report fewer incidents.

Find the Best Car Insurance Companies in Illinois

Choosing the right car insurance in Illinois can be daunting, with many providers offering different rates, coverage options, and promises. But you don’t have to do it alone.

We have broken it down into five easy steps so that you can easily find the coverage that suits your needs and budget. Let’s walk through them.

• Understand the Options:  Numerous car insurance providers offer varying prices, coverage, and customer service. Knowing what to look for will help you cut through the noise.
• Consider Your Needs: Every driver’s needs are different. Consider the coverage required for your car, driving habits, and budget. Do you need full coverage or just liability?
• Compare Top Providers: Insurance companies compete for your business. Compare rates and reviews from top Illinois providers to find the best option.
• Read the Fine Print: Avoid being swindled by gimmicky deals. Always read the terms and understand any exclusions or limits in the policy.
• Make an Informed Decision: After analyzing all options, compare rates and select the most suitable coverage for your needs and budget.

Choosing car insurance does not have to be complicated. Following these five steps will allow you to make an informed selection and obtain the appropriate coverage.

Additional Coverage in Illinois

The loss ratio for a firm indicates the relative proportion of claim payments versus collected premiums. Thus, an unnecessarily high loss ratio would raise prices, and low ones could signify that policies were priced too highly.

Illinois Report Card: Auto Insurance Premiums

Additional liability coverage in Illinois remains steady, and over the past five years, MedPay loss ratios have continued to fall gradually. The state ranks 18th nationally for uninsured drivers at 13.7%, making UM/UIM coverage essential.

Factors that affect the price of car insurance contribute to varying premiums. High traffic density, severe weather, and rising claim costs all impact Illinois car insurance costs.

Illinois Additional Liability Coverage

Vehicle theft and a high uninsured driver rate also increase insurance expenses. To stay protected, Illinois drivers should consider MedPay or UM/UIM for added financial security.

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Best Car Insurance in Illinois: Top Picks & Coverage Options

The best car insurance in Illinois comes from top providers like Farmers, Allstate, and Nationwide, each offering competitive rates and unique benefits. Farmers provide broad coverage options and bundling discounts, while Allstate’s Drivewise program rewards safe drivers. Nationwide stands out for its simple claims process and budget-friendly policies.

Geico and USAA have some of the lowest prices for affordable Illinois auto insurance, with minimum coverage starting at $18 per month. Compare quotes and explore discounts to find the best deal. For more insights on making the right choice, check out our Insurance Guides. Ready to find affordable car insurance? Use our free comparison tool to get started.