Cheap Car Insurance in Illinois for 2024 (Secure Low Rates With These 10 Companies)

Cheapest in Illinois: Geico

19,116 reviews

4.1

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Company Facts

Min Coverage in Illinois

$18/mo

A.M. Best Rating

A++ (Superior)

Complaint Level

Med

Pros & Cons

• Some of the lowest rates in the country
• Ample discount opportunities to help you save
• Excellent mobile app

• Limited car insurance add-on options
• No gap insurance
• Some Geico features aren’t available in every state

» Geico Car Insurance Review

19,116 reviews

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2nd Cheapest in Illinois: State Farm

17,757 reviews

4.1

Company Facts

Min Coverage in Illinois

$25/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• Excellent customer service
• Wide range of insurance coverage options
• Financially strong

• State Farm insurance rates are slightly higher than the national average
• Weak international presence
• State Farm claims process can be slow

» State Farm Car Insurance Review

17,757 reviews

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3rd Cheapest in Illinois: Liberty Mutual

3,606 reviews

4.0

Company Facts

Min Coverage in Illinois

$29/mo

A.M. Best Rating

A

Complaint Level

High

Pros & Cons

• Available in all 50 states and Washington, D.C.
• Sells multiple types of car insurance, including original parts replacement and new car replacement coverage
• Ample opportunities to save with discounts and RightTrack

• Claims satisfaction reports are lower than those of similar companies
• Rates aren’t the cheapest, especially for young drivers
• Customer service experiences have an average satisfaction rating

» Liberty Mutual Car Insurance Review

3,606 reviews

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Geico, State Farm, and Liberty Mutual are leading provider for cheap car insurance in Illinois provide exceptional value, with rates starting as low as $18 per month. Discover why these top insurers are great choices for Idaho drivers.

In Illinois, car insurance is a legal necessity, but it doesn’t have to be costly. This article will help you find affordable coverage and navigate the options for the best value.

Our Top 10 Company Picks: Cheap Car Insurance in Illinois

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$18	A++	Competitive Rates	Geico
	#2	$25	B	Policy Bundles	State Farm
	#3	$29	A	Flexible Discounts	Liberty Mutual
	#4	$30	A++	Member Benefits	USAA
	#5	$33	A++	Usage-Based Savings	Travelers
	#6	$34	A+	Snapshot Program	Progressive
	#7	$35	A+	Personalized Coverage	Nationwide
	#8	$43	A	Loyalty Rewards	American Family
	#9	$45	A	Affordable Bundles	Farmers
	#10	$67	A+	Early Signing	Allstate

Securing cheap car insurance in Illinois can be straightforward. With a solid understanding of insurance fundamentals, the factors that impact rates, and some practical strategies, you can find a fitting policy without overspending. Enter your ZIP code.

#1 – Geico: Top Overall Pick

Pros

• Affordable Premiums: Geico offers some of the lowest car insurance rates in Illinois, starting as low as $18 per month, making it a great choice for budget-conscious drivers.
• User-Friendly Digital Tools: The Geico mobile app and website provide a seamless experience for policy management, claims filing, and accessing roadside assistance.
• High Customer Satisfaction: Known for its reliable customer service, consistently receiving high ratings in customer satisfaction surveys. Read more in our Geico insurance review & ratings.

Cons

• Limited Local Agents: Geico relies heavily on online and phone services, which may be a downside for those who prefer in-person interactions. This might not suit people looking for personalized, cheap car insurance in Illinois.
• No Specialized Discounts: While Geico offers a variety of discounts, it may not provide unique discounts for certain professions or affiliations compared to competitors.

#2 – State Farm: Best for Policy Bundles

Pros

• Comprehensive Policy Options: State Farm offers a wide range of customizable policies, including bundling options for auto, home, and life insurance, which can result in significant savings. These bundles can help you find cheap car insurance in Illinois through multi-policy discounts.
• Extensive Agent Network: With numerous local agents in Illinois, State Farm provides personalized service and local expertise. Their strong local presence offers a convenient way to find cheap car insurance in Illinois. Learn more through State Farm insurance review & ratings.
• Strong Financial Stability: Backed by a strong A.M. Best rating, State Farm is financially secure, providing peace of mind to its policyholders. This stability makes it a reliable option for cheap car insurance in Illinois.

Cons

• Higher Premiums for Young Drivers: State Farm tends to have higher premiums for younger drivers or those with limited driving experience. This may limit its appeal for young drivers seeking cheap car insurance in Illinois.
• Limited Online Discount Information: Discounts are not always clearly outlined online, making it necessary to speak with an agent to determine eligibility. This could be a hassle for those looking for transparent, cheap car insurance in Illinois.

#3 – Liberty Mutual: Best for Flexible Discounts

Pros

• Flexible Discount Options: Liberty Mutual offers a variety of discounts, including those for safe driving, paperless billing, and new car owners, helping to lower premiums. It provides many ways to qualify for cheap car insurance in Illinois.
• 24/7 Claims Service: Liberty Mutual provides round-the-clock claims service, ensuring prompt assistance in the event of an accident. This ensures peace of mind while enjoying cheap car insurance in Illinois.
• Accident Forgiveness Program: Drivers may qualify for accident forgiveness, which prevents rate increases after their first accident. This benefit is ideal for maintaining cheap car insurance in Illinois even after an accident. Read more on Liberty Mutual insurance review & ratings.

Cons

• Higher Rates for Certain Drivers: Liberty Mutual’s premiums may be higher for some demographics, particularly those with a less favorable driving history. This could be a disadvantage for some seeking cheap car insurance in Illinois.
• Customer Service Variability: Some customers report inconsistent experiences with Liberty Mutual’s customer service, depending on the agent or office. This may affect those looking for reliable, cheap car insurance in Illinois.

#4 – USAA: Best for Member Benefits

Pros

• Exclusive Member Benefits: USAA offers unique benefits for military members and their families, including discounts on vehicle storage and safe driving. Its member-focused benefits make it a top choice for cheap car insurance in Illinois for military personnel.
• Excellent Claims Satisfaction: USAA consistently receives high marks for its claims handling and customer service. Their strong reputation adds value to cheap car insurance in Illinois. You may ask for free advice to more information and deeper understanding.
• Low Rates for Eligible Drivers: USAA provides competitive rates, particularly for active or former military personnel and their families. This makes USAA a leading option for cheap car insurance in Illinois for eligible drivers.

Cons

• Limited Eligibility: USAA is only available to military members, veterans, and their families, limiting access for the general public. This restricts cheap car insurance in Illinois to a specific group.
• Fewer Local Agents: USAA primarily operates online or over the phone, which might not be ideal for those seeking face-to-face service. This may deter those seeking personalized, cheap car insurance in Illinois.

#5 – Travelers: Best for Usage-Based Savings

Pros

• Usage-Based Discounts: Travelers offers the IntelliDrive® program, which can help safe drivers save up to 30% based on their driving habits. This program is ideal for those looking for cheap car insurance in Illinois based on their driving.
• Flexible Payment Plans: Offers multiple payment options, including the ability to pay monthly or in full, making it easier to manage your budget. This flexibility supports those looking for cheap car insurance in Illinois.
• Customizable Coverage: Travelers provides a variety of coverage options and add-ons, allowing drivers to tailor their policy to their specific needs. Customizing your policy can help achieve cheap car insurance in Illinois. Read more about free car insurance information, advice & online quotes.

Cons

• Mixed Customer Satisfaction Ratings: Some customers have reported dissatisfaction with claims handling and customer service. This inconsistency could be problematic for those seeking dependable, cheap car insurance in Illinois.
• Limited Local Presence: Travelers has fewer local agents in Illinois, which could be a disadvantage for those who prefer in-person interactions. This could affect accessibility to cheap car insurance in Illinois.

#6 – Progressive: Best for Snapshot Program

Pros

• Snapshot Program Savings: Progressive’s Snapshot program rewards safe drivers with significant discounts based on driving behavior. This program can help you find cheap car insurance in Illinois if you are a safe driver. Learn more on Progressive insurance review & ratings.
• Wide Range of Coverage Options: Progressive offers extensive coverage choices, including gap insurance and custom parts coverage. More options allow for finding cheap car insurance in Illinois tailored to your needs.
• Strong Online Tools: Progressive’s website and mobile app provide excellent resources for managing policies, tracking claims, and finding discounts. These tools enhance the experience of finding cheap car insurance in Illinois.

Cons

• Higher Rates for High-Risk Drivers: Progressive may charge higher premiums for drivers with a history of accidents or violations. This might not suit high-risk drivers seeking cheap car insurance in Illinois.
• Confusing Pricing Structure: Some customers find Progressive’s pricing and discount options challenging to understand due to its complex structure. This complexity can make it hard to compare options for cheap car insurance in Illinois.

#7 – Nationwide: Best for Personalized Coverage

Pros

• Personalized Coverage Options: Nationwide offers several add-on coverages, like roadside assistance and rental reimbursement, allowing for tailored policies. Tailoring policies can lead to finding cheap car insurance in Illinois.
• Vanishing Deductible Program: Safe drivers can earn a reduction in their deductible for each year of safe driving, up to a maximum amount. This program is beneficial for those seeking cheap car insurance in Illinois.
• Strong Financial Ratings: Nationwide is financially stable with high A.M. Best ratings, ensuring reliability in claims payments. Financial stability adds value to cheap car insurance in Illinois. You may ask a lawyer for some advice.

Cons

• Limited Discounts for Young Drivers: Nationwide does not offer as many discounts specifically for younger or student drivers. This could limit options for young drivers looking for cheap car insurance in Illinois.
• Less Competitive Rates in Certain Areas: In some parts of Illinois, Nationwide’s rates may not be as competitive as other providers. This may affect those searching for cheap car insurance in Illinois.

#8 – American Family: Best for Loyalty Rewards

Pros

• Loyalty and Multi-Policy Discounts: American Family provides several discounts for long-term customers and those who bundle multiple policies. These discounts can help maintain cheap car insurance in Illinois.
• Digital Customer Tools: The MyAmFam app and online portal make policy management and claims easy and convenient. The digital tools simplify the process of securing cheap car insurance in Illinois.
• Local Agents and Personalized Service: American Family has a strong local agent network, offering personalized customer service. This local presence helps residents find cheap car insurance in Illinois. Search for more insurance company reviews and ratings.

Cons

• Higher Rates in Urban Areas: Some Illinois customers in larger cities may find that American Family’s premiums are higher than average. This could impact urban residents seeking cheap car insurance in Illinois.
• Limited Availability in Certain Regions: American Family does not operate in every area, which could limit options for some drivers. This can restrict access to cheap car insurance in Illinois for some customers.

#9 – Farmers: Best for Affordable Bundles

Pros

• Multiple Bundling Options: Farmers offer substantial discounts for bundling home, auto, and life insurance policies. Bundling can help achieve cheap car insurance in Illinois. Read more on Farmers insurance review & ratings.
• Accident Forgiveness: Qualifying customers are eligible for accident forgiveness, which prevents rate increases after the first at-fault accident. This feature helps keep your insurance cheap in Illinois even after an accident.
• Great Customer Service Reputation: Farmers is well-regarded for its strong customer service and responsive agents. This reputation adds value for those looking for cheap car insurance in Illinois.

Cons

• Premium Increases After Claims: Some customers report significant premium increases after filing claims. This could be a concern for those seeking stable, cheap car insurance in Illinois.
• Higher Rates for New Drivers: Farmers tend to charge higher premiums for younger or inexperienced drivers. This may not be the best option for young drivers seeking cheap car insurance in Illinois.

#10 – Allstate: Best for Early Signing

Pros

• Early Signing Discount: Allstate offers discounts for customers who sign up for a policy at least seven days before their current policy expires. This discount helps secure cheap car insurance in Illinois.
• Innovative Drivewise Program: The Drivewise app rewards safe driving with cash back and policy discounts. This program provides additional savings for those seeking cheap car insurance in Illinois. Learn more about Allstate insurance review & ratings.
• Strong Claims Satisfaction: Allstate is known for its efficient claims handling and high customer satisfaction ratings. Good claims handling is an added benefit when looking for cheap car insurance in Illinois.

Cons

• Higher Base Rates: Allstate’s premiums are generally higher compared to some other competitors. This can make it less attractive for those specifically seeking cheap car insurance in Illinois.
• Limited Discount Flexibility: Some customers feel that Allstate’s discount options are not as flexible or extensive as those offered by other providers. This could affect those trying to customize cheap car insurance in Illinois.

Understanding Car Insurance in Illinois

Let’s take a moment to understand the basics of car insurance in Illinois. Car insurance is a contract between you and an insurance company that protects you financially in the event of an accident or theft. It is designed to cover the costs of damages, medical expenses, and other expenses that may arise as a result of an accident.

Illinois Car Insurance Monthly Rates by Coverage Level & Provider

Insurance Company	Minimum Coverage	Full Coverage
	$67	$176
	$43	$114
	$45	$117
	$18	$47
	$29	$76
	$35	$93
	$34	$89
	$25	$64
	$33	$87
	$30	$62

When it comes to car insurance, it’s important to have a good understanding of the different components that make up a policy. Car insurance policies typically consist of multiple components, including liability coverage, collision coverage, and comprehensive coverage.

Get free car insurance information, advice and online quotes to consider some insurance companies.

The Basics of Car Insurance

Liability coverage is an essential part of any car insurance policy. It helps pay for damages to another person’s vehicle or injuries they sustain in an accident that you are at fault for. This coverage is crucial because it protects you from having to pay out of pocket for the damages or medical expenses of the other party involved in the accident.

Collision coverage, on the other hand, pays for damages to your own vehicle in an accident with another vehicle or object. Whether it’s a fender bender or a more serious collision, this coverage ensures that you won’t have to bear the financial burden of repairing or replacing your car.

Car Insurance Discounts From the Top Providers in Illinois

Insurance Company	Available Discounts
	Multi-Policy, Multi-Vehicle, Safe Driver, Good Student, New Car, Anti-Theft Device, Early Signing, FullPay, Paperless Billing
	Multi-Policy, Multi-Vehicle, Good Student, Loyalty, Early Bird, Safe Driver, Defensive Driving, Auto Safety Equipment
	Multi-Policy, Multi-Vehicle, Safe Driver, Good Student, Homeowner, Signal (usage-based), Bundling, Pay-in-Full
	Multi-Policy, Multi-Vehicle, Good Driver, Good Student, Military, Federal Employee, Anti-Theft Device, Defensive Driving
	Multi-Policy, Multi-Vehicle, Good Student, Homeowner, Safety Features, Military, Early Shopper, Online Purchase, Paperless
	Multi-Policy, Multi-Vehicle, SmartRide (usage-based), Safe Driver, Good Student, Anti-Theft Device, Defensive Driving
	Multi-Policy, Multi-Vehicle, Snapshot (usage-based), Good Student, Homeowner, Online Quote, Pay-in-Full, Paperless Billing
	Multi-Policy, Multi-Vehicle, Safe Driver, Good Student, Steer Clear (for young drivers), Defensive Driving, Vehicle Safety
	Multi-Policy, Multi-Vehicle, Safe Driver, Homeowner, Hybrid/Electric Vehicle, New Car, Continuous Insurance, Good Payer
	Multi-Policy, Multi-Vehicle, Safe Driver, Good Student, New Vehicle, Military Installation, Length of Membership, Garage Parking

Comprehensive coverage is another important component of car insurance. It protects against damages to your vehicle that are not caused by collisions. This can include theft, vandalism, or weather-related incidents. With comprehensive coverage, you can have peace of mind knowing that you’re protected from a wide range of potential risks.

Factors Influencing Car Insurance Rates in Illinois

One of the key factors that insurance companies take into account is your age and driving experience. Younger drivers are often viewed as more risky to insure due to their lack of experience behind the wheel. However, as you gain more experience and maintain a clean driving record, your rates may decrease.

Your driving record and claims history also play a crucial role in determining your car insurance rates. Insurance companies assess your past driving behavior to gauge the level of risk you pose as a driver.

By maintaining a clean driving record and avoiding accidents and claims, you can potentially lower your insurance costs.

Additionally, insurance companies may also consider other factors such as your credit history, where you live, and even your occupation. These factors can provide further insights into your level of risk as a driver and may affect your insurance rates.

It’s important to note that each insurance company may weigh these factors differently, so it’s always a good idea to shop around and compare quotes from multiple insurers.

By understanding the factors that influence car insurance rates in Illinois, you can make informed decisions to potentially lower your premiums and find the best full coverage auto insurance for your needs.

Tips for Finding Cheap Car Insurance in Illinois

Finding cheap car insurance in Illinois requires some effort and research, but it’s not an impossible task. Here are some tips to help you find affordable coverage: Illinois, known as the Land of Lincoln, is home to bustling cities, picturesque small towns, and a diverse population.

With its vibrant culture and rich history, it’s no wonder that many people choose to call this state their home. But whether you’re a lifelong resident or a newcomer, one thing remains constant – the need for car insurance.

Shopping Around for Quotes

Insurance rates can vary significantly from one company to another, which is why it’s essential to compare quotes from multiple insurers. Request quotes from different insurance providers and compare the coverage options and premiums they offer.

When shopping around for quotes, don’t forget to consider the reputation and financial stability of the insurance company review and ratings. It’s important to choose a reliable insurer that will be there for you when you need them the most.

Taking Advantage of Discounts

Insurance companies often offer a variety of discounts that can help lower your premiums.

Common discounts include safe driver discounts, multi-policy discounts (if you bundle your car insurance with other policies like homeowner’s insurance), and good student discounts. Be sure to inquire about any eligible discounts when requesting quotes.

Maintaining a Clean Driving Record

As mentioned earlier, your driving record plays a significant role in determining your car insurance rates. By practicing safe driving habits and avoiding accidents and traffic violations, you can not only stay safe on the road but also enjoy lower insurance premiums.

In addition to safe driving, consider taking defensive driving courses. These courses can not only enhance your driving skills but also potentially qualify you for additional discounts from your insurance provider.

Take the time to research and compare different options, and don’t hesitate to ask questions. With a little effort and diligence, you can find the affordable coverage you need to drive with peace of mind in the Land of Lincoln. Enter your ZIP code now.