The Best Car Insurance in Illinois

You’d never think that a place nicknamed the Prairie State would be home to the third-largest city in America, but Illinois is both. Illinois drivers deal with a wide scale of different road conditions, from the gridlocked streets of Chicago to miles upon miles of scenic country highways. No matter where your daily commute takes you in Illinois, you’ll need the right auto insurance policy to account for the distance you drive. Our roundup of Illinois’s best car insurance companies will get your GPS set in the right direction.

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    In this article

      The best car insurance in Illinois

      Best overall – GEICO

      Geico offers car insurance in all U.S. states, but Illinois residents in particular report low rates and great service.

      J.D. Power Rating
      3/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA+
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore GEICO 4.2
      Discounts 4
      Coverage Options 4
      Customer Satisfaction 4
      Support 4
      Accessibility 5

      Geico holds a strong presence in the Midwest with convenient policy options for Illinois drivers. A household name in car insurance, Geico offers low-priced policies to Illinois residents with leading service and a long list of coverage options. Drivers who sign up with Geico can take advantage of policy bundling, 16 different discounts, and coverage for most types of vehicles and uses. Geico is also a customer favorite, taking the winning position for north central states in the 2020 U.S. Auto Insurance Satisfaction Study> by J.D. Power.

      Best coverage options – Erie

      Erie doesn’t just cover you and your car in an accident, they also protect your belongings, pets and unexpected breakdowns.

      J.D. Power Rating
      2/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore Erie 4.2
      Discounts 3
      Coverage Options 5
      Customer Satisfaction 4
      Support 5
      Accessibility 4

      Customize your Erie auto policy with coverage for personal item theft, locksmith services, pet injuries and more. For only having offered car insurance to Illinoisans since 1999, Erie has certainly established quite a presence in the state. The insurer offers plenty of options for discounts when you bundle policies like pet insurance.

      Read: Liability vs. Full Coverage Car Insurance: Which Is Right for Me?

      Best local agents – Auto-Owners – Auto Insurance

      Opting for a local insurance agent means you’ll have someone to do all the hard work when it comes to purchasing the right coverage and filing claims.

      J.D. Power Rating
      4/5
      AM Best Rating
      A++
      Standard & Poor’s
      N/A
      SimpleScore
      3.8 / 5.0
      close
      SimpleScore Auto-Owners – Auto Insurance 3.8
      Affordability 3
      Coverage Options 4
      Customer Satisfaction 4
      Support 4
      Accessibility 4

      Choose from among hundreds of neighborhood Auto-Owners Insurance independent agents in Illinois. If you prefer working with a local carrier over the robotic service provided by some national insurance companies, Auto-Owners is a great choice. Instead of offering online quotes and enrollment, the insurer works with a network of independent agencies to sell and manage its policies. Auto insurance can be bundled with home, life and business insurance for the convenience of handling everything through one representative. There are hundreds of Auto-Owners agents in the state of Illinois with specific knowledge of local regulations and needs.

      Best for families – Country Financial

      From the moment you’re engaged until your kids go off to college, Country Financial will support you every step of the way.

      J.D. Power Rating
      N/A
      AM Best Rating
      N/A
      Standard & Poor’s
      N/A
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore Country Financial 4.2
      Discounts 3
      Coverage Options 5
      Customer Satisfaction 4
      Support 4
      Accessibility 5

      Country Financial provides tailored discounts for couples, students, and multi-car households. Country Financial’s auto insurance discounts are impressive on their own, but they offer a few unique options that can help families save through multiple life stages. Engaged couples who are getting married in the next year can get a jump start on insuring their vehicles together for a discount up to 25%; once you’re married, the total possible discount for multi-vehicle homes extends to 30%. As your kids get older and start driving cars of their own, they can keep this discount up until the age of 25, even if they no longer live at home. Country Financial also rewards families that focus on homework with a good student discount up to 30%.

      Best for policy bundling – Westfield

      Westfield’s bundled policy takes all the guesswork out of car insurance shopping with a neat package that contains all the coverage you need.

      J.D. Power Rating
      N/A
      AM Best Rating
      N/A
      Standard & Poor’s
      N/A
      SimpleScore
      2.8 / 5.0
      close
      SimpleScore Westfield 2.8
      Discounts 1
      Coverage Options 5
      Customer Satisfaction 4
      Support 2
      Accessibility 2

      Westfield’s bundled car and home insurance policy extends coverage for both. Getting a good deal when you bundle auto and home insurance isn’t anything out of the ordinary, but Westfield offers the best value for Illinois drivers with Wespak, its preferred insurance package. Wespak combines standard policies for your car and house with extended benefits that include roadside assistance, loan and lease coverage, trip protection and more. Westfield works with local agents and doesn’t offer quotes online, so you’ll have to get in touch with your nearest insurance representative to find out which options are available to you.

      Compare Affordable Auto Insurance Rates in Illinois

      Save money on auto coverage with our simple comparison tool.

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        How much does car insurance cost in Illinois?

        Car insurance in Illinois costs about $897 per year on average, according to the Insurance Information Institute. This is slightly cheaper than the $944 national average, although Illinois falls right at the median as the 26th most expensive state for auto insurance. With a mix of Chicagoland’s urban areas and sprawling miles of rural farmland, it’s no surprise that Illinois is just about in the middle of the country in terms of driving risk.

        [ Next: What Is the Car Insurance Minimum Coverage in Each State? ]

        A typical Illinois car insurance policy is broken down into $507 per year for liability coverage, which is required by law. Collision insurance costs about $336 and comprehensive is usually priced around $133.

        The cheapest car insurance in Illinois, by city

        Unsurprisingly, the most expensive city for auto insurance in Illinois is Chicago, which is also the state’s largest and busiest metropolitan area. But other cities in Illinois offer surprisingly low insurance rates. Drivers in Naperville pay only $1,193 per year in insurance premiums, nearly a third lower than their Chicagoan counterparts. Drivers in Aurora and Rockford also pay relatively low rates at $1,224 and $1,237 respectively.

        CityAvg. annual premium
        Chicago$1,686
        Aurora$1,224
        Naperville$1,193
        Joliet$1,301
        Rockford$1,237

        Choosing your provider

        National insurance brands have plenty to offer, but Illinois is also home to many well-respected local carriers. Here’s a comparison between the two to help decide if one type of insurance company is best for you.

        Local carrier

        Pros

        • Can offer equal or even lower rates compared to national carriers.
        • Tailored, in-person customer service.

        Cons

        • Fewer customization options.
        • Don’t typically provide online quotes or sophisticated digital tools.

        National carrier

        Pros

        • More opportunities to bundle different policy types.
        • Advanced digital resources available.

        Cons

        • Hard to get service from a person.
        • Less state-specific knowledge.

        Things to know about car insurance in Illinois

        According to state law, Illinois drivers are reimbursed for damages under modified comparative negligence. With this system, you’re only entitled to receive compensation if you are found to be less than 50% at fault in an accident. To give an example, if the adjuster decides that you carry 25% of the blame in an accident, you’re entitled to make a claim against other party’s liability insurance. However, you’ll only receive 75% of your total losses from the insurance company. The remaining 25% is where your own personal injury protection and/or collision insurance, if you have them, would kick in.

        Illinois’ minimum car insurance requirements

        Drivers in Illinois are required to carry a 25/50/20 policy, which is liability coverage that includes $25,000 in bodily injury for each person up to $50,000 per accident plus $20,000 in property damage. You’ll also need to have uninsured and underinsured motorist coverage with a limit of at least $20,000 per person and $40,000 per accident, which is good to have as an extra layer of protection considering that 13.7% of Illinois drivers are uninsured.

        [ More: Should I Get Minimum or Full Coverage? ]

        Illinois car insurance FAQs

        According to consumer data, Geico is the best car insurance in Illinois with both top customer service ratings and low average prices.

        Illinois law requires drivers to carry both liability insurance and uninsured/underinsured motorist coverage. Liability insurance should have a limit of at least $25,000 per person and $50,000 per accident for personal injury and $20,000 for property damage. The state minimum for uninsured motorist coverage is $20,000 per person and $40,000 per accident.

        Last updated September 4, 2020 – Added new recommendations to address the COVID-19 economy.

        We welcome your feedback on this article and would love to hear about your experience with the car insurance providers we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.

        Methodology

        SimpleScore

        The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:

        • Discounts
        • Coverage options
        • Support
        • Customer satisfaction
        • Accessibility

        You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.

        Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We looked at the number of discounts each company offers — more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that have the most coverage options.

        Support

        We awarded higher scores to lenders with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We looked at the level of accessibility of each company –– the more resources they have the higher their score.

        Lisa Mellio

        Contributing Writer

        Lisa Melillo is a freelance writer and entrepreneur with a background in personal finance, insurance, and international business. In addition to contributing to Bankrate, she has appeared in Money and Reviews.com and frequently ghostwrites for other entrepreneurs.

        Lisa’s career has taken her around the globe; she has lived in four countries, speaks three languages, and holds two international degrees, including a Master’s in International Business from Universitat Pompeu Fabra in Barcelona. She currently spends most of her time in Connecticut, where she lives with her husband and two dogs.

        Reviewed by

        • Nashalie Addarich
          Nashalie Addarich
          Editor

          Nashalie Addarich is an editor for The Simple Dollar. She recently made a career switch from the legal field, where she was an attorney in Washington, DC. In her free time, she enjoys learning new languages. You can also find her editorial work on Reviews.com.