The best cheap car insurance in Illinois

  • Car insurance in Illinois isn't all that expensive, with the average driver paying $836 per year. 
  • Farmers offers the most affordable coverage at every credit level. 
  • To find the right coverage for you, get quotes from several different insurance companies and compare them
  • See Business Insider's picks for the best affordable car insurance companies.

 

Car insurance is fairly affordable for Illinois drivers. In 2016, the average driver paid $836, about $100 less than the US national average, according to the Insurance Information Institute. But, that's not to say that there aren't still some ways to save if you're willing to put in a few minutes of work. 

Shopping around for coverage is the best way to make sure you're getting the best price for you. Your premium, or the amount you'll pay for auto insurance coverage, depends on several factors, including things like your credit score, the type of car you drive, how many years of driving experience you have, and even where you live in Illinois. 

Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.  

The most popular car insurance companies in Illinois

The following are the most popular car insurance companies in Illinois, based on the percentage of insured Illinois drivers who use them:

CompanyMarket share (%)
State Farm29.65
Allstate11.51
Progressive7.91
GEICO7.05
COUNTRY Financial6.75
American Family Insurance4.43
Farmers Insurance3.92
Liberty Mutual2.92
USAA*2.53
Travelers1.71
MetLife1.53
Erie Insurance1.29
Auto-Owners Insurance1.26
Auto Club Insurance Association1.22
Producer's National Corp.1.19
Nationwide1.06
The Hartford1.01
Pekin Insurance1.01
American Access Casualty Co.0.86
American Alliance Casualty Co.0.79
The Hanover Insurance0.75
Utica National Insurance0.65
National General Holdings0.58
Nodak Mutual Group Inc.0.56
Western National Insurance0.47

*USAA is only for active military, veterans, and their families.

Data from S&P Global Intelligence

The best car insurance in Illinois based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the North Central region (which includes Illinois):

  1. GEICO
  2. Indiana Farm Bureau
  3. Erie Insurance
  4. Auto-Owners Insurance
  5. Country Financial
  6. Westfield
  7. Grange Insurance
  8. Farmers 
  9. Allstate
  10. Region Average
  11. State Farm
  12. Nationwide
  13. Travelers
  14. American Family
  15. Progressive

The best cheap car insurance in Illinois based on credit score

Consumer Reports compiled pricing formula data from each car insurance company in every state. It then calculated which companies had the most affordable premiums based on a single adult driver. Since credit scores are a big factor, Consumer Reports broke down the best insurance companies by credit score. Farmers and USAA came out near the top in every credit level. Here are the best car insurance companies by credit score to help start your search. 

Drivers with excellent credit, FICO scores 800-850, will see some of the best prices for car insurance at these companies, on average: 

  • USAA car insurance: $607 per year
  • Farmers car insurance: $632 per year
  • State Farm Mutual car insurance: $905 per year

Drivers with good credit, FICO scores 670-739, should try these three companies for their car insurance coverage (average rates are listed):

  • USAA car insurance: $699 per year
  • Farmers car insurance: $776 per year
  • State Farm Mutual car insurance: $1,112 per year

Drivers with poor credit, FICO scores 300-579, often pay much more than drivers with better credit for car insurance coverage, on average: 

  • Farmers car insurance: $1,575 per year
  • USAA car insurance: $607 per year 
  • American Family car insurance: $2,110 per year

The best car insurance for drivers with a clean record

For a driver in Illinois age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
Root$105
Nationwide$112
Progressive$123
GEICO$126
State Farm$131
Liberty Mutual$132
Esurance$132
Travelers$133
Farmers$139
MetLife$144
USAA*$145
Bristol West$147
Allstate$149
Safeco$184
American Family$191

*USAA is only available to military, veterans, and their family members

Above data obtained from Savvy, based on 2,010 policyholders in the state of Illinois

Best car insurance for one or more accidents on record

For a driver in Illinois age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
Farmers$104
State Farm$110
GEICO$125
Bristol West$126
Progressive$153
Allstate$157
Esurance$158

Above data obtained from Savvy, based on 2,010 policyholders in the state of Illinois

Illinois car insurance rates by metro area

Below is the estimated average annual premium of auto insurance policies per household in Illinois' metro areas:

CityAverage annual insurance premium
Chicago$1,211
Aurora$1,327
Joliet$1,305
Naperville$1,471
Rockford$1,122
Springfield$1,167
Peoria$1,161
Elgin$1,300
Waukegan$1,194
Champaign$1,167
Cicero$1,203
Bloomington$1,264
Schaumburg$1,341
Evanston$1,315
Arlington Heights$1,371
Bolingbrook$1,404
Decatur$1,108
Palatine$1,354
Skokie$1,317
Orland Park$1,386
Des Plaines$1,295
Tinley Park$1,357
Oak Lawn$1,266
Berwyn$1,284
Normal$1,208
Wheaton$1,398
Mount Prospect$1,325
Oak Park$1,351
Hoffman Estates$1,385
Downers Grove$1,359
Glenview$1,436
Elmhurst$1,438
Lombard$1,312
DeKalb$1,177
Urbana$1,095
Plainfield$1,557
Moline$1,183
Bartlett$1,436
Romeoville$1,366
Belleville$1,156

Data from S&P Global Intelligence

Who gets the best cheap car insurance in Illinois?

As the numbers show above, the better the credit score, the less expensive the coverage, on average. It might be worth working to raise your credit score before you start shopping. 

But, there are lots of other factors that go into your car insurance pricing as well. Things like where you live in Illinois, your age, gender, and many more factors can go into the price you'll pay for coverage. Each company will price your policy differently based on these factors, and that's why it's so important to shop around. 

Get quotes from several different insurance companies and compare them to find the best coverage for your money. Make sure to look past the premium and consider the coverage types and limits listed on your quotes. Also, look at the deductible, or the amount you'll pay out of pocket if anything happens. Generally, the cheaper the policy, the higher the deductible. 

Shopping around can help you get the best price for you, even in a state where insurance is relatively affordable like Illinois. 

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