Illinois, fondly known as the Prairie State and the Land of Lincoln, is a remarkable blend of urban sophistication and pastoral charm. Home to Chicago, one of the largest cities in the US, and surrounded by vast stretches of agricultural land, Illinois boasts a diverse demographic and road network.
With over 8 million registered vehicles on its roads, the state underscores the importance of comprehensive car insurance for its drivers.
The question arises: amidst varying urban and rural driving conditions, how can residents of Illinois ensure they’re adequately insured and yet not be overburdened by costs? For those exploring the realm of car insurance options, this guide seeks to provide clarity.
Cheapest Car Insurance in Illinois
Navigating the labyrinth of car insurance options in Illinois can often seem daunting. Yet, recent analyses have pinpointed some cost-effective choices for Illinoisans aiming to get the most bang for their buck.
Hastings Mutual emerges as a standout, offering full coverage car insurance at a remarkably affordable rate of just $909 annually, translating to around $76 monthly. This is notably below the state’s average for full coverage, which is pegged at $1,747 annually or approximately $146 monthly.
However, if you’re eyeing minimum coverage, there’s more good news. The average rate for this sits at $554 annually. But with a little digging, you can unearth even more economical options. State Farm, for instance, proposes a rate of a mere $304 annually for a 35-year-old driver possessing an unblemished driving record. In the ever-evolving landscape of car insurance, these figures highlight promising avenues for those seeking both quality and affordability.
What is the Cheapest Car Insurance in Illinois?
Hastings Mutual stands out in the Illinois insurance market. They offer competitively priced full-coverage car insurance at an average of $909 annually or roughly $76 monthly. In contrast, the statewide average for full coverage hovers around $1,747 per year or about $146 per month.
How We Chose the Cheapest Companies in Illinois
Our conclusions are based on a recent market analysis of car insurance rates in Illinois. This comprehensive study ensured an objective perspective, focusing on full coverage car insurance rates and gauging them against industry standards and statewide averages.
Cheap Car Insurance in Illinois
For those seeking minimum coverage options, Illinois presents a myriad of opportunities. The average cost for minimum coverage in the state is about $554 annually. Yet, with diligent research, drivers can find even more cost-effective choices. Notably, State Farm offers a policy at an average of $304 annually for a 35-year-old driver with a pristine driving record.
Cheapest Car Insurance in Illinois for different age groups
| Age Group | Cheapest Full Coverage | Cheapest Minimum Coverage |
|---|---|---|
| 16-Year-Olds | $2,014 | $304 |
| 17-Year-Olds | $2,534 | $386 |
| 18-Year-Olds | $2,224 | $338 |
| 20-Year-Olds (USAA) | $2,856 | $655 |
| 20-Year-Olds (Others) | $3,592 | $998 |
| 30-Year-Olds | $1,080 | $29 |
| 40-Year-Olds | $880 | $28 |
| 50-Year-Olds | $880 | $27 |
| 60-Year-Olds | $880 | $26 |
| 70-Year-Olds | $880 | $26 |
Illinois Car Insurance Rates for Teen Drivers
The journey from adolescence to adulthood is riddled with milestones, and for many, obtaining that coveted driver’s license stands out.
However, in the realm of car insurance in Illinois, this coming-of-age achievement comes with heftier insurance rates, especially for those in their teens and early 20s. These rates tend to be significantly higher than those for mature drivers.
To paint a clearer picture, here’s a breakdown of the car insurance costs for young drivers of various ages, integrated into a single table for clarity:
| Age Group | Cheapest Provider | Average Monthly Cost | Estimated Annual Cost | State Average Monthly Cost | State Average Annual Cost |
| 16-Year-Olds | Pekin | $168 | $2,014 | $451 | $5,409 |
| 17-Year-Olds | Country Financial | $211 | $2,534 | $386 | $4,634 |
| 18-Year-Olds | Country Financial | $185 | $2,224 | $338 | $4,061 |
For further context, a 35-year-old driver in Illinois typically faces rates significantly lower than these figures. For example, the insurance costs for a 17-year-old are about 230% higher than those for a 35-year-old, while an 18-year-old pays roughly 189% more.
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Cheapest Car Insurance for 20-year-old drivers
Suggesting the perfect insurance policy for 20-year-old drivers could be quite challenging. At this age, drivers are often hit with higher premiums due to their perceived risk on the road. USAA takes the lead for the best value, offering the most affordable rates for 20-year-olds joining a parent’s policy.
However, it’s crucial to note that USAA caters exclusively to military families. Geico and American Family are closely behind, offering premiums below $1,000 annually for the same scenario.
When evaluating rates, it’s vital to consider various factors that impact costs, such as age, gender, location, and vehicle type. For instance, younger males typically have steeper rates due to the higher claims frequency associated with this demographic. Additionally, location plays a role, with areas prone to accidents, theft, or severe weather conditions often having higher premiums.
Thankfully, there are ways for 20-year-olds to save. Discounts are available, albeit limited. A prominent one is the “good student discount,” which can lead to an average savings of 4%. Additionally, students residing over 100 miles away from home for studies might qualify for a “student away from home” discount, offering an average savings of 8%. Taking driver training classes approved by the insurer can also lead to savings.
Cheapest full coverage car insurance in Illinois for 20-year-olds
USAA offers the most affordable full coverage car insurance for 20-year-olds at an average of $2,856 annually, but it’s exclusively for military members, veterans, and their families. For those ineligible for USAA, Auto-Owners and Geico are commendable alternatives, with average annual rates under $3,600.
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Cheapest minimum coverage car insurance in Illinois for 20-year-olds
When adding a 20-year-old driver to a parent’s policy, USAA, Geico, and American Family all present rates below $1,000 annually. USAA leads the pack at just $655 a year, but remember its military-related criteria.
Cheapest auto Insurance in Illinois for 20-year-olds with poor credit
Illinois 20-year-olds grappling with poor credit can still find relatively affordable car insurance. QBE is the most economical choice, offering rates at approximately $87 monthly or $1,042 annually. Following closely, Westfield quotes around $98 monthly.
First Chicago and Travelers are nearly neck-to-neck, with monthly rates hovering around $103, while Secura presents an option at about $109 monthly. Young drivers must compare these offerings, as poor credit often leads to inflated insurance premiums. Savings can be maximized by opting for insurers that factor in credit minimally.
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Cheapest auto insurance in Illinois for 20-year-olds with one speeding ticket
In Illinois, a speeding ticket can influence your car insurance rates. For 20-year-olds with such a record, affordability remains crucial. Westfield emerges as the most budget-friendly option, quoting around $754 annually or $63 monthly. Following closely are QBE and Erie, with premiums around $68 and $69 monthly, respectively. Travelers and State Farm also offer competitive rates, with monthly costs of $84 and $85. It’s essential to shop around and consider these options, especially after receiving a speeding ticket, to ensure cost-effective coverage.
Cheapest auto insurance in Illinois for 20-year-olds with one at-fault crash
For 20-year-olds in Illinois who have been involved in an at-fault accident, securing affordable auto insurance can be a challenge. Fortunately, several insurance providers offer competitive rates. Westfield is a top choice with an average yearly premium of $808.
Similarly, QBE and Erie offer favorable rates at approximately $820 and $960 annually. Hastings Mutual is another viable option at $978 per year. Lastly, Travelers offers a reasonable rate, though slightly higher, at $1,062 annually. Exploring these options can ensure these young drivers find the best deal suited to their circumstances.
Cheapest auto insurance in Illinois for 20-year-olds after a DUI
For 20-year-olds in Illinois who have experienced a DUI, securing affordable auto insurance can be challenging. However, some insurers offer more lenient rates than others. Progressive is the top choice, with an average rate of approximately $86 monthly.
Following closely are Erie and Mercury, charging around $91 and $94 monthly, respectively. QBE’s average rate is roughly $95 monthly, while Westfield, although on the higher end, still offers a competitive rate of about $101 per month. Exploring these options could relieve young drivers post-DUI as they seek to find budget-friendly coverage.
Cheapest Car Insurance for 30-year-old drivers
By the age of 30, drivers typically benefit from reduced insurance rates, thanks to age and experience. However, other aspects, like one’s driving history or vehicle type, might alter these rates. Exploring different insurance providers and harnessing available discounts can further reduce costs for these drivers.
Cheapest full coverage car insurance in Illinois for 30-year-olds
When seeking comprehensive coverage, Illinoisans in their 30s might find economical options with the likes of Hastings Mutual and QBE. A clean driving record is often rewarded with monthly rates as low as $80. Regularly comparing quotes and monitoring for promotions ensures sustained savings.
Cheapest minimum coverage car insurance in Illinois for 30-year-olds
For those primarily concerned with meeting Illinois’s basic coverage requirements, several insurers stand out. State Farm and QBE offer compelling rates, often below $30 a month. Selecting minimum coverage might be cost-effective upfront, but drivers should consider the potential long-term implications and coverage limits.
Cheapest auto insurance in Illinois for 30-year-olds with poor credit
Credit scores significantly influence insurance rates. In Illinois, 30-year-olds with compromised credit might find relief with providers like Hastings Mutual and Secura. These insurers tend to offer more accommodating rates, even with full coverage, helping drivers maintain comprehensive protection without breaking the bank.
Cheapest auto insurance in Illinois for 30-year-olds with one speeding ticket
Speeding tickets can undoubtedly affect insurance premiums. However, for Illinois drivers in their 30s, several companies still offer competitive rates. Providers such as State Farm and Westfield have average rates that remain below $35 a month, ensuring affordability even after minor infractions.
Cheapest auto insurance in Illinois for 30-year-olds with one at-fault crash
Accidents can substantially elevate insurance costs. However, certain insurers like Hastings Mutual and State Farm extend relatively lower rates even after at-fault incidents. Staying loyal to an insurer and completing safe driving courses can further help mitigate rate hikes post-accident.
Cheapest auto insurance in Illinois for 30-year-olds after a DUI
A DUI often leads to substantial premium increases. However, for 30-year-old drivers in Illinois, providers such as State Farm and Progressive remain comparatively affordable. While rates inevitably rise post-DUI, being proactive by attending driving classes and continuously shopping around can help find manageable rates.
Cheapest Car Insurance for 40-year-old drivers
By the age of 40, many drivers benefit from their driving experience and start to see a decrease in their car insurance rates. While they’re generally offered better rates than younger age groups, it doesn’t mean they should settle for the first quote they receive. By considering options like pay-per-mile insurance or leveraging discounts, 40-year-olds can optimize their savings even further.
Cheapest full coverage car insurance in Illinois for 40-year-olds
Turning 40 brings along its perks, especially in the auto insurance sector. If you’re someone with an impeccable driving history, then companies like Hastings Mutual and Erie offer attractive rates. While each individual’s circumstance might differ, getting quotes from these insurers is a recommended starting point in your search for cost-efficient full coverage.
Cheapest minimum coverage car insurance in Illinois for 40-year-olds
While full coverage offers comprehensive protection, some 40-year-olds might prefer just the basics to save on premiums. In Illinois, companies such as Westfield and State Farm are known for their competitive rates for minimum coverage. It’s imperative, however, to ensure that minimum coverage meets all your requirements before making a choice.
Cheapest auto insurance in Illinois for 40-year-olds with poor credit
scores can significantly impact insurance premiums, even those in their 40s. If your credit score isn’t higher, companies like Hastings Mutual and Secura offer rates that don’t break the bank. Keeping an eye on improving one’s credit score while exploring these options might be the way forward.
Cheapest auto insurance in Illinois for 40-year-olds with one speeding ticket
Mistakes happen, and a single speeding ticket doesn’t mean the end of affordable insurance rates. State Farm and Erie stand out with their competitive rates for those in this category. However, taking a defensive driving course might help reduce the insurance premium in some cases.
Cheapest auto insurance in Illinois for 40-year-olds with one at-fault crash
An at-fault crash can lead to a spike in insurance rates, but the right insurer can make a significant difference. Hastings Mutual continues to lead the pack with its appealing rates, even for those with a recent crash. As always, personalized quotes can help find the right balance between coverage and cost.
Cheapest auto insurance in Illinois for 40-year-olds after a DUI
Post-DUI insurance rates can be daunting. Still, with diligent research, it’s possible to find rates that won’t strain the wallet excessively. Insurers like State Farm and Mercury offer comparatively reasonable rates for those with a DUI on their record. Additional factors, such as completing a DUI program, can also be advantageous when negotiating rates.
Cheapest Car Insurance for 50-year-old drivers
By the time drivers hit their 50s, they’re often rewarded with some of the most favorable car insurance rates. These premiums reflect their extensive driving experience and typically fewer claims. However, factors like location and gender can still have an impact. To find the most affordable rates, it’s prudent to explore multiple options, starting with our recommended list of insurers.
Cheapest full coverage car insurance in Illinois for 50-year-olds
Fifty-year-old drivers in Illinois, especially those maintaining spotless driving records, can benefit from competitive rates. A comprehensive coverage option provides peace of mind against many potential mishaps. Companies such as Hastings Mutual and Erie lead the pack, offering compelling rates that won’t break the bank.
Cheapest minimum coverage car insurance in Illinois for 50-year-olds
For those who prefer to go with the state’s minimum required coverage, there are still fantastic deals available. This stripped-down coverage suits drivers who own older vehicles or drive infrequently. Top providers like Westfield and First Chicago offer attractive rates that align with such needs.
Cheapest auto insurance in Illinois for 50-year-olds with poor credit
A less-than-perfect credit score doesn’t necessarily mean you’re out of options for affordable car insurance. While rates might be higher compared to those with stellar credit, several companies, including Hastings Mutual and Secura, provide competitive pricing structures tailored to this demographic.
Cheapest auto insurance in Illinois for 50-year-olds with one speeding ticket
Speeding infractions can increase insurance premiums. However, the impact often depends on the insurer’s policies and other individual factors. In Illinois, several companies, like Erie and Westfield, are more lenient, still offering attractive rates even with a recent speeding ticket on your record.
Cheapest auto insurance in Illinois for 50-year-olds with one at-fault crash
Accidents happen, and when they do, it’s essential to have an insurer that won’t drastically hike up your rates. In Illinois, some companies, such as Hastings Mutual and State Farm, tend to offer more reasonable rates for those with a recent at-fault accident, balancing protection with affordability.
Cheapest auto insurance in Illinois for 50-year-olds after a DUI
A DUI is a serious offense and typically results in significantly higher Car insurance premiums. However, certain providers in Illinois specialize in offering competitive rates even for those with a DUI on their record. Top options include State Farm and Mercury, which offer full coverage options tailored to this specific need.
Cheapest Car Insurance for 60-year-old drivers
As individuals step into their 60s, the hunt for affordable car insurance becomes crucial. Due to their vast driving experience, insurers often reward them with competitive rates. However, the rates might begin to climb as they approach the senior citizen bracket.
To strike the best deal, seniors should not only explore multiple quotes but also inquire about special discounts tailored to their age group.
Cheapest full coverage car insurance in Illinois for 60-year-olds
Sixty-year-olds in Illinois have an array of options for full coverage car insurance. For those with an impeccable driving history, insurers like Hastings Mutual and Erie lead the pack with their pocket-friendly rates. Keeping one’s driving record clean can help make the most of these competitive offers.
Cheapest minimum coverage car insurance in Illinois for 60-year-olds
Opting for the minimum required coverage can be a smart choice for those who wish to cut down costs. In Illinois, companies like State Farm and Erie offer attractive rates for this coverage type. It’s essential, however, to assess if this coverage level sufficiently meets one’s needs.
Cheapest auto insurance in Illinois for 60-year-olds with poor credit
Credit scores are pivotal in determining insurance rates. For 60-year-olds in Illinois grappling with a less-than-perfect credit score, it’s relieving to know that there are still affordable options available. Hastings Mutual and Secura, for instance, are known for offering reasonable rates even for those with credit challenges.
Cheapest auto insurance in Illinois for 60-year-olds with one speeding ticket
A single speeding ticket can cause a spike in insurance premiums. However, companies like Erie and State Farm remain relatively forgiving, providing 60-year-olds in Illinois with affordable rates despite minor traffic infractions. It’s a testament to the value of maintaining an otherwise clean record.
Cheapest auto insurance in Illinois for 60-year-olds with one at-fault crash
An at-fault accident can notably impact insurance rates. But there’s hope for 60-year-olds in Illinois. Insurers such as Hastings Mutual and State Farm offer competitive rates even after an accident, making them top choices for those looking to balance coverage and cost after an unfortunate incident.
Cheapest auto insurance in Illinois for 60-year-olds after a DUI
A DUI conviction poses a significant challenge when seeking affordable insurance. However, for 60-year-olds in Illinois, there are still options to explore. Companies like State Farm and Mercury might offer leniency with their rates, ensuring drivers find a policy that aligns with their budget and needs.
Cheapest Car Insurance for 70-year-old drivers
Aging may influence car insurance rates, and turning 70 is often a milestone. As seniors in Illinois scout for the most affordable rates, it’s essential to consider multiple insurance companies. The ideal strategy? Solicit a range of quotes. Notably, some insurers offer special incentives for seniors, such as reduced rates for those completing defensive driving courses.
Cheapest full coverage car insurance in Illinois for 70-year-olds
As drivers mature, their driving patterns and needs change. For those with spotless driving histories, Illinois offers competitive full coverage rates. Top companies include State Farm at about $86 monthly, Hastings Mutual at around $89, and Erie close to $94. Pekin and QBE also offer good deals, both under $100 monthly.
Cheapest minimum coverage car insurance in Illinois for 70-year-olds
Some septuagenarians in Illinois might opt for just the basic, state-mandated coverage. For these minimums, State Farm emerges as a frontrunner at $26 monthly. Erie and First Chicago are in the same ballpark, while Westfield and Mercury hover around the $31-$32 range.
Cheapest auto insurance in Illinois for 70-year-olds with poor credit
A less-than-perfect credit score needn’t deter you from seeking good insurance rates. Illinois residents might consider Secura, QBE, and Hastings Mutual, all offering rates between $138-$149 a month. First Chicago and Encompass are also competitive, rounding out the top five.
Cheapest auto insurance in Illinois for 70-year-olds with one speeding ticket
A single speeding violation can affect your rates, but affordable options still abound. State Farm offers a monthly rate of about $30, with Erie not far behind. First Chicago, Westfield, and Hastings Mutual also present competitive rates, with Hastings Mutual being slightly higher due to the speeding infraction.
Cheapest auto insurance in Illinois for 70-year-olds with one at-fault crash
Accidents can happen to anyone, but they don’t have to break the bank. For those with a recent at-fault crash, Hastings Mutual offers around $89 a month, with State Farm not far behind. Pekin, Erie, and Auto-Owners also feature on the list of economic choices for Illinois seniors.
Cheapest auto insurance in Illinois for 70-year-olds after a DUI
A DUI can significantly impact insurance rates, but affordable options remain. State Farm emerges as a viable option at about $126 per month. Mercury, Progressive, and Erie offer competitive rates too, with Travelers a bit on the higher side but still under $175 monthly.
How Much Is Full Coverage Car Insurance in Illinois?
In Illinois, the cost of full coverage car insurance can vary based on numerous factors, including driver’s age, driving record, and location. On average, residents can expect to pay between $900 to $1,500 annually for full coverage. However, these figures can swing higher or lower depending on individual circumstances and the insurance provider.
Average Annual Car Insurance Rates in Illinois by Company
Different insurance companies offer a range of rates in Illinois. Here’s a general overview:
- State Farm: Approx. $1,100
- Hastings Mutual: Approx. $1,250
- Erie: Approx. $1,200
- Pekin: Approx. $1,300
- QBE: Approx. $1,250
How Much Is Liability-Only Coverage Car Insurance in Illinois?
Liability-only coverage in Illinois typically covers damages caused to other people or property in the event of an accident where you’re at fault. The average cost for liability-only coverage in the state ranges from $450 to $800 annually. Remember, this type of coverage doesn’t protect your own vehicle’s damages.
Minimum Car Insurance Requirements in Illinois
In Illinois, drivers are required by law to have the following minimum coverage:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $20,000
- Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident
It’s always advised to consider purchasing more than the minimum required coverage to ensure broader protection.
Tips for How to Get Cheap Car Insurance in Illinois
- Shop Around: Obtain quotes from multiple providers to compare rates.
- Bundle Policies: Combining home and auto insurance can lead to discounts.
- Take Defensive Driving Courses: Many insurers offer discounts for completed driving courses.
- Increase Deductibles: Higher deductibles can reduce premium costs.
- Maintain a Clean Driving Record: Avoid tickets and accidents to leverage lower rates.
No-Fault Insurance in Illinois
Illinois operates on a traditional fault-based system, not a no-fault system. This means that the driver who causes an accident is responsible for any resulting harm. Their insurance will typically pay for damages up to the policy limits. Victims also have the option to file a claim against the at-fault driver or even file a lawsuit to recover additional costs.
Conclusion
In Illinois, full coverage car insurance averages between $900 to $1,500 annually, while liability-only ranges from $450 to $800. Rates vary among providers, with companies like State Farm and Erie being popular choices. State minimum requirements include $25,000 for bodily injury per person and $20,000 for property damage.
To save on premiums, Illinois residents can bundle policies, maintain a clean driving record, or increase deductibles. Notably, Illinois follows a traditional fault-based system, meaning the at-fault driver’s insurance covers the damages. Comparing quotes from multiple insurers with Beem remains the best way to find affordable rates.
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Frequently Asked Questions
Is car insurance required in Illinois?
Yes, car insurance is mandatory in Illinois.
Which cars are required to be insured in Illinois?
All registered vehicles in Illinois must be insured.
When should I get car insurance in Illinois?
You should secure car insurance before driving any vehicle on Illinois roads.
How much car insurance do I need in Illinois?
Illinois requires a minimum of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage.
How much is car insurance in my city in Illinois?
Car insurance rates vary by city; it’s best to get quotes specific to your location.
What happens if my car is not properly insured in Illinois?
Driving without insurance can result in fines, license suspension, and potential vehicle impoundment.
Is Illinois a no-fault state?
No, Illinois is a fault-based state, where the at-fault driver’s insurance covers damages.
Do I need uninsured motorist coverage in Illinois?
While it’s beneficial, Illinois does not mandate uninsured motorist coverage, but it is recommended for added protection.
Is liability insurance required in Illinois?
Yes, liability insurance is mandatory in Illinois to cover potential damages to other parties.
Does Illinois accept digital insurance cards?
Yes, Illinois accepts digital proof of insurance, allowing drivers to display their insurance information on mobile devices.
Is insurance expensive in Illinois?
Car insurance in Illinois can range from affordable to pricey based on factors like driving history, vehicle type, and location.
What’s the average cost of car insurance in Illinois?
The average cost varies, but full coverage typically ranges from $900 to $1,500 annually, while liability-only can be between $450 to $800.
