REVISION : How to Compare Car Insurance Rates 2025
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Cheapest Car Insurance in Illinois (2025)

Updated on:
Content was accurate at the time of publication.

Best cheap car insurance in Illinois

$1,232/year
Cheap full coverage: Country Financial
Country Financial logo
$1,293/year
Next-best for full coverage: Travelers
Travelers logo
$1,545/year
Cheapest after a ticket: State Farm
State Farm logo
+
More Options

Find the Cheapest Car Insurance Quotes in Illinois

Illinois drivers get the cheapest full-coverage car insurance with Country Financial at $1,232 a year, or $103 a month. Travelers comes in second, with an average rate of $108 per month.

While Travelers has a higher full-coverage insurance Full-coverage car insurance usually combines collision, comprehensive and liability coverages. Collision and comprehensive cover damage to your own vehicle. Liability covers injuries and damage you cause to others. rate than Country Financial, it offers more discounts to lower your rate. Compare car insurance quotes from both companies to see which gives you the best deal.

Cheapest car insurance companies in Illinois

Cheapest companies for full coverage

CompanyAnnual rateLendingTree Score
country financial logoCountry Financial$1,2325 stars
travelers logoTravelers$1,2934.5 stars
state farm logoState Farm$1,4554.5 stars
progressive logoProgressive$1,8174 stars
american family logoAmerican Family$2,2234 stars
geico logoGeico$2,5373.5 stars
allstate logoAllstate$3,3363 stars
farmers insurance logoFarmers$3,6663 stars
usaa logoUSAA*$1,7594 stars

At $468 a year, or $39 a month, Country Financial has the cheapest liability car insurance for Illinois drivers. State Farm is the next-cheapest company at $45 a month.

While State Farm is a bit more expensive than Country Financial for liability insurance Liability car insurance covers injuries and damage you cause to others in an accident. , it offers some robust discounts that can make it cheaper. If you bundle car and home insurance with State Farm, you could save up to $1,273 a year on both policies.

Cheapest companies for minimum coverage

CompanyAnnual rate
Country Financial$468
State Farm$544
Travelers$574
Progressive$826
American Family$855
Geico$1,072
Farmers$1,501
Allstate$1,548
USAA*$656

Find the Cheapest Car Insurance Quotes in Illinois

Teen drivers in Illinois get the cheapest car insurance rates for both liability ($1,230 a year) and full-coverage ($2,796 a year) policies from Country Financial.

Country Financial’s Good Student discount is an excellent perk for young drivers. Teens with at least a B average can save up to 35% on their auto insurance.

Parents looking for cheap car insurance for teens should add them to their policy. While your rate will go up, it should still be cheaper than if you each had your own car insurance policies.

Cheapest companies for teen drivers

CompanyLiability onlyFull coverage
Country Financial$1,230$2,796
Travelers$1,649$3,580
State Farm$1,803$4,301
Progressive$2,274$5,939
Geico$2,346$5,705
American Family$3,501$8,411
Allstate$3,841$7,538
Farmers$7,739$14,308
USAA*$1,567$4,254

Illinois drivers needing cheap car insurance with a speeding ticket on their records get the lowest average rate with State Farm at $1,545 a year, or $129 a month. Country Financial is the next-cheapest company, with an average rate of $136 a month.

After getting a speeding ticket in Illinois, you can expect your car insurance to go up around 29%.

Cheapest companies after a ticket

CompanyAnnual rate
State Farm$1,545
Country Financial$1,628
Travelers$1,635
Progressive$2,446
American Family$2,651
Geico$2,950
Allstate$4,437
Farmers$5,337
USAA*$2,227

State Farm has the cheapest full-coverage car insurance after an accident for Illinois drivers at $1,660 a year, or $138 a month. Country Financial is the state’s second-cheapest option at $151 a month.

The average Illinois driver sees their car insurance rate go up about 50% after an accident.

Cheapest companies after an accident

CompanyAnnual rate
State Farm$1,660
Country Financial$1,806
Travelers$1,823
Progressive$2,729
American Family$3,531
Geico$4,037
Farmers$5,404
Allstate$6,246
USAA*$1,759

Best rates for Illinois teens with an accident or ticket: Country Financial

Illinois teens get the cheapest car insurance from Country Financial with a speeding ticket ($1,677 a year) or accident ($1,966 a year) on their driving records.

Illinois teens usually see their car insurance go up around 22% after a ticket, and 42% after an accident.

Cheapest companies for teens with bad driving records

CompanyTicketAccident
Country Financial$1,677$1,966
State Farm$1,952$2,145
Travelers$2,066$2,438
Progressive$2,481$2,517
Geico$2,758$3,594
American Family$3,788$5,098
Allstate$5,355$8,012
Farmers$9,435$9,433
USAA*$2,156$1,567

Find the Cheapest Car Insurance Quotes in Illinois

Travelers offers the best cheap car insurance with a DUI in Illinois at $1,890 a year, or $158 a month. Progressive has the second-cheapest rates at $179 a month.

After a DUI (driving under the influence) conviction, most Illinois drivers see their auto insurance increase by an average of 76%.

Cheapest companies after a DUI

CompanyAnnual rate
Travelers$1,890
Progressive$2,153
State Farm$3,414
Country Financial$3,986
American Family$4,044
Geico$4,300
Farmers$5,147
Allstate$5,375
USAA*$3,677

Country Financial has the cheapest rates for Illinois drivers with poor credit at $1,843 a year or $154 a month. Travelers is the second-cheapest for car insurance with poor credit in Illinois at $164 a month.

Travelers’ average rate with bad credit is higher than Country Financial’s — however, Travelers also has more discounts. When comparing quotes, make sure you’re getting all the discounts you can to see which insurer offers the best rate.

Cheapest companies for drivers with poor credit

CompanyAnnual rate
Country Financial$1,843
Travelers$1,968
Progressive$3,059
American Family$3,911
Allstate$5,095
Geico$5,144
Farmers$5,864
State Farm$6,280
USAA*$3,106

Car insurance companies often charge higher rates to drivers with poor credit because they see a link between your credit score and the risk of you filing a claim.

To learn your credit score, you can find out for free at LendingTree Spring before you shop for insurance.

Country Financial and State Farm are the best car insurance companies in Illinois.

Along with the state’s cheapest rates, Country Financial has great customer satisfaction and financial strength ratings.

State Farm is close behind in customer satisfaction, and has the better financial strength rating of the two.

Illinois car insurance company ratings

CompanyJD Power**AM BestLendingTree score
Allstate635A+3 stars
American Family660A4 stars
Country Financial665A+5 stars
Farmers619A3 stars
Geico637A++3.5 stars
Progressive622A+4 stars
State Farm657A++4.5 stars
Travelers616A++4.5 stars
USAA*739A++4 stars

*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.

While USAA has the highest customer satisfaction rating of all the car insurance companies we surveyed, its customer base is limited to members of the military and their families.

Still, if you have military ties, you should give USAA a look. Its rates in Illinois are well below the state average, and it also has a great customer service reputation.

Illinois insurance rates by city

Chenoa has the cheapest full-coverage car insurance rates among Illinois cities at $1,864 a year. Dolton is the state’s most expensive city, with rates averaging $3,319 a year.

The average cost of car insurance in Illinois’ largest cities and suburbs:

  • Chicago, $2,934 a year
  • Aurora, $2,162 a year
  • Joliet, $2,326 a year
  • Naperville, $2,140 a year
  • Rockford, $2,216 a year

Car insurance rates near you

CityAnnual rate% from average
Abingdon$2,084-4%
Adair$2,073-5%
Addieville$2,141-2%
Addison$2,3277%
Albany$1,980-9%
Albers$2,103-3%
Albion$2,083-4%
Aledo$2,071-5%
Alexander$2,111-3%
Alexis$2,043-6%
Algonquin$2,100-3%
Allendale$2,051-6%
Allerton$1,991-9%
Alorton$2,93935%
Alpha$2,047-6%
Alsey$2,165-1%
Alsip$2,81329%
Altamont$1,968-10%
Alto Pass$2,2945%
Alton$2,43312%
Altona$2,037-6%
Alvin$2,033-7%
Amboy$1,956-10%
Anchor$1,941-11%
Ancona$1,957-10%
Andalusia$2,092-4%
Andover$2,041-6%
Anna$2,2694%
Annapolis$2,089-4%
Annawan$1,958-10%
Antioch$2,162-1%
Apple River$2,020-7%
Arcola$1,933-11%
Argenta$2,014-7%
Arlington$1,977-9%
Arlington Heights$2,1820%
Armington$2,105-3%
Armstrong$2,008-8%
Aroma Park$2,2393%
Arrowsmith$1,967-10%
Arthur$1,943-11%
Ashland$2,1981%
Ashley$2,092-4%
Ashmore$1,984-9%
Ashton$1,989-9%
Assumption$2,100-3%
Athens$2,2493%
Atkinson$1,960-10%
Atlanta$2,049-6%
Atwood$1,947-11%
Auburn$2,070-5%
Augusta$2,132-2%
Aurora$2,162-1%
Ava$2,3478%
Aviston$2,061-5%
Avon$2,126-2%
Baileyville$2,009-8%
Bannockburn$2,3588%
Bardolph$2,008-8%
Barnhill$2,162-1%
Barrington$2,2222%
Barrington Hills$2,1921%
Barry$2,2353%
Barstow$2,007-8%
Bartelso$2,124-2%
Bartlett$2,3277%
Bartonville$2,152-1%
Basco$2,129-2%
Batavia$2,091-4%
Batchtown$2,2704%
Bay View Gardens$2,033-7%
Baylis$2,2292%
Beach Park$2,2905%
Beardstown$2,134-2%
Beason$2,044-6%
Beckemeyer$2,116-3%
Bedford Park$2,80229%
Beecher$2,2714%
Beecher City$2,028-7%
Belknap$2,3377%
Belle Rive$2,2021%
Belleville$2,3377%
Bellevue$2,158-1%
Bellmont$2,081-4%
Bellwood$3,00738%
Belvidere$2,105-3%
Bement$1,914-12%
Benld$2,138-2%
Bensenville$2,3297%
Benson$1,977-9%
Benton$2,2513%
Berkeley$2,59019%
Berwick$2,021-7%
Berwyn$2,79929%
Bethalto$2,2272%
Bethany$1,976-9%
Bingham$2,053-6%
Bishop Hill$1,998-8%
Bismarck$2,066-5%
Blackstone$1,954-10%
Blandinsville$2,093-4%
Bloomingdale$2,2614%
Bloomington$1,923-12%
Blue Island$3,03840%
Blue Mound$2,012-8%
Bluff Springs$2,2282%
Bluffs$2,1790%
Bluford$2,2011%
Boles$2,40511%
Bolingbrook$2,3498%
Bolivia$2,2262%
Bondville$1,937-11%
Bone Gap$2,082-4%
Bonfield$2,1911%
Bonnie$2,1680%
Boody$2,025-7%
Boulder Hill$2,2112%
Bourbonnais$2,1710%
Bowen$2,121-3%
Braceville$2,131-2%
Bradford$2,066-5%
Bradley$2,1800%
Braidwood$2,161-1%
Breese$2,117-3%
Bridgeport$2,078-4%
Bridgeview$2,72825%
Brighton$2,1931%
Brimfield$2,1871%
Bristol$2,1750%
Broadlands$1,956-10%
Broadview$2,93535%
Brocton$2,041-6%
Brookfield$2,40210%
Brooklyn$2,88132%
Brookport$2,38910%
Broughton$2,2734%
Browns$2,058-5%
Brownstown$1,991-8%
Brussels$2,2945%
Bryant$2,112-3%
Buckingham$2,097-4%
Buckley$2,024-7%
Buckner$2,2785%
Buda$1,983-9%
Buffalo$2,2373%
Buffalo Grove$2,3739%
Buffalo Prairie$2,101-3%
Bulpitt$2,1690%
Buncombe$2,2976%
Bunker Hill$2,2162%
Burbank$2,69624%
Bureau$1,970-9%
Burlington$2,064-5%
Burnham$3,10042%
Burnt Prairie$2,1690%
Burr Ridge$2,3709%
Bushnell$2,085-4%
Butler$2,089-4%
Byron$2,060-5%
Cabery$1,981-9%
Cahokia$2,86732%
Cairo$2,3719%
Calhoun$2,086-4%
Calumet City$3,23349%
Calumet Park$3,12744%
Camargo$1,988-9%
Cambria$2,2343%
Cambridge$1,952-10%
Camden$2,1660%
Cameron$2,038-6%
Camp Grove$2,049-6%
Camp Point$2,2172%
Campbell Hill$2,3297%
Campton Hills$2,117-3%
Campus$1,966-10%
Canton$2,128-2%
Cantrall$2,142-2%
Capron$2,125-2%
Carbon Cliff$1,994-8%
Carbondale$2,2152%
Carlinville$2,144-1%
Carlock$2,010-8%
Carlyle$2,102-3%
Carmi$2,149-1%
Carol Stream$2,2102%
Carpentersville$2,2363%
Carrier Mills$2,3578%
Carterville$2,2292%
Carthage$2,122-2%
Cary$2,093-4%
Casey$2,060-5%
Caseyville$2,73826%
Castleton$2,076-5%
Catlin$2,005-8%
Cedar Point$1,959-10%
Cedarville$2,002-8%
Central City$2,123-2%
Centralia$2,121-3%
Centreville$2,92434%
Cerro Gordo$1,971-9%
Chadwick$2,003-8%
Chambersburg$2,1981%
Champaign$1,966-10%
Chana$2,047-6%
Channahon$2,133-2%
Channel Lake$2,1690%
Charleston$1,950-10%
Chatham$2,039-6%
Chenoa$1,864-14%
Cherry$1,975-9%
Cherry Valley$2,126-2%
Chester$2,2755%
Chesterfield$2,1991%
Chestnut$2,055-6%
Chicago$2,93435%
Chicago Heights$2,76527%
Chicago Ridge$2,63621%
Chillicothe$2,110-3%
Chrisman$2,054-6%
Christopher$2,2755%
Cicero$3,01639%
Cisco$1,936-11%
Cisne$2,137-2%
Cissna Park$2,051-6%
Clare$2,040-6%
Claremont$2,080-4%
Clarendon Hills$2,2182%
Clayton$2,2142%
Claytonville$2,054-6%
Clifton$2,067-5%
Clinton$1,965-10%
Coal City$2,109-3%
Coal Valley$2,005-8%
Coatsburg$2,162-1%
Cobden$2,2805%
Coello$2,2634%
Coffeen$2,072-5%
Colchester$2,076-5%
Colfax$1,951-10%
Collinsville$2,2363%
Collison$2,006-8%
Colona$2,018-7%
Colp$2,2383%
Columbia$2,2333%
Colusa$2,2152%
Compton$1,991-9%
Congerville$2,038-6%
Cooksville$1,947-11%
Cornell$1,939-11%
Cornland$2,112-3%
Cortland$1,964-10%
Cottage Hills$2,2986%
Coulterville$2,3227%
Country Club Hills$2,76727%
Countryside$2,38810%
Cowden$2,055-6%
Crainville$2,2292%
Crescent City$2,025-7%
Crest Hill$2,3418%
Creston$2,028-7%
Crestwood$2,57018%
Crete$2,3649%
Creve Coeur$2,110-3%
Cropsey$1,935-11%
Crossville$2,154-1%
Crystal Lake$2,050-6%
Crystal Lawns$2,3317%
Cuba$2,136-2%
Cullom$1,936-11%
Cutler$2,2654%
Cypress$2,3207%
Dahinda$2,113-3%
Dakota$2,021-7%
Dalton City$1,983-9%
Dalzell$1,950-10%
Dana$1,995-8%
Danvers$1,996-8%
Danville$2,037-6%
Darien$2,2714%
Davis$2,066-5%
Davis Junction$2,067-5%
Dawson$2,2252%
De Land$1,937-11%
De Pue$1,973-9%
De Soto$2,2614%
De Witt$1,970-9%
DeKalb$1,978-9%
Decatur$2,105-3%
Deer Grove$1,947-11%
Deer Park$2,1951%
Deerfield$2,3578%
Delavan$2,103-3%
Dennison$2,048-6%
Des Plaines$2,49415%
Dewey$1,929-11%
Diamond$2,111-3%
Dieterich$1,985-9%
Dix$2,1700%
Dixmoor$3,16245%
Dixon$1,975-9%
Dolton$3,31953%
Dongola$2,3136%
Donnellson$2,097-4%
Donovan$2,099-4%
Dorsey$2,2262%
Dover$1,942-11%
Dow$2,3237%
Dowell$2,2734%
Downers Grove$2,1770%
Downs$1,973-9%
Du Quoin$2,2292%
Dundas$2,081-4%
Dunfermline$2,110-3%
Dunlap$2,150-1%
Dupo$2,41411%
Durand$2,082-4%
Dwight$1,945-11%
Eagarville$2,1981%
Earlville$2,043-6%
East Alton$2,3548%
East Carondelet$2,3197%
East Dubuque$2,028-7%
East Dundee$2,2041%
East Galesburg$1,955-10%
East Hazel Crest$2,99238%
East Lynn$1,999-8%
East Moline$2,016-7%
East Peoria$2,007-8%
East St. Louis$2,92034%
Easton$2,1760%
Eddyville$2,3277%
Edelstein$2,135-2%
Edgewood$1,990-9%
Edinburg$2,2423%
Edwards$2,1650%
Edwardsville$2,2212%
Effingham$1,934-11%
Elburn$1,988-9%
Eldena$1,949-10%
Eldorado$2,3337%
Eldred$2,1951%
Eleroy$2,111-3%
Elgin$2,2333%
Elizabeth$2,073-5%
Elizabethtown$2,40811%
Elk Grove Village$2,1941%
Elkville$2,2966%
Ellery$2,062-5%
Elliott$1,954-10%
Ellisville$2,133-2%
Ellsworth$1,967-10%
Elmhurst$2,2051%
Elmwood$2,1820%
Elmwood Park$2,88533%
Elvaston$2,132-2%
Elwin$2,080-4%
Elwood$2,2423%
Emden$2,047-6%
Emington$1,971-9%
Emma$2,2122%
Energy$2,2463%
Eola$2,131-2%
Esmond$1,998-8%
Essex$2,121-3%
Eureka$1,989-9%
Evanston$2,46013%
Evansville$2,3016%
Evergreen Park$2,70925%
Ewing$2,3086%
Fairbury$1,884-13%
Fairfield$2,141-2%
Fairmont$2,2524%
Fairmont City$2,91134%
Fairmount$2,032-7%
Fairview Heights$2,3287%
Farina$2,015-7%
Farmer City$1,962-10%
Farmersville$2,114-3%
Farmington$2,103-3%
Fenton$1,972-9%
Ferris$2,110-3%
Fiatt$2,123-2%
Fidelity$2,2333%
Fieldon$2,2483%
Findlay$1,993-8%
Fisher$1,925-12%
Fithian$2,044-6%
Flanagan$1,929-11%
Flat Rock$2,093-4%
Flora$2,033-7%
Flossmoor$2,58919%
Foosland$1,944-11%
Ford Heights$2,78928%
Forest City$2,151-1%
Forest Lake$2,2433%
Forest Park$2,75026%
Forest View$2,76627%
Forrest$1,908-12%
Forreston$2,020-7%
Forsyth$1,999-8%
Fort Sheridan$2,2945%
Fowler$2,1730%
Fox Lake$2,2353%
Fox Lake Hills$2,1911%
Fox River Grove$2,102-3%
Fox Valley$2,2182%
Frankfort$2,2242%
Frankfort Heights$2,3166%
Frankfort Square$2,2413%
Franklin Grove$2,013-7%
Franklin Park$2,68824%
Frederick$2,1740%
Freeburg$2,2282%
Freeman Spur$2,3769%
Freeport$1,969-9%
Fulton$1,964-10%
Fults$2,2292%
Gages Lake$2,1710%
Galatia$2,3669%
Galena$1,999-8%
Galesburg$1,921-12%
Galt$1,957-10%
Galva$1,940-11%
Garden Prairie$2,099-4%
Gardner$2,075-5%
Gays$1,982-9%
Geff$2,126-2%
Geneseo$1,964-10%
Geneva$2,053-6%
Genoa$1,954-10%
Georgetown$2,002-8%
Gerlaw$2,012-8%
German Valley$2,026-7%
Germantown$2,132-2%
Germantown Hills$2,048-6%
Gibson City$1,950-10%
Gifford$1,954-10%
Gilberts$2,135-2%
Gillespie$2,131-2%
Gilman$2,023-7%
Gilson$2,124-2%
Girard$2,1700%
Glasford$2,2081%
Glen Carbon$2,1860%
Glen Ellyn$2,131-2%
Glenarm$2,079-4%
Glencoe$2,41211%
Glendale Heights$2,3257%
Glenview$2,47914%
Glenwood$2,72825%
Godfrey$2,3438%
Golconda$2,40410%
Golden$2,2071%
Golden Eagle$2,2704%
Golden Gate$2,111-3%
Golf$2,50315%
Good Hope$2,085-4%
Goodfield$2,002-8%
Goodwine$2,115-3%
Goreville$2,3096%
Gorham$2,3066%
Grafton$2,3247%
Grand Ridge$2,032-7%
Grandview$2,164-1%
Grandwood Park$2,1740%
Granite City$2,50115%
Grant Park$2,2001%
Grantsburg$2,3528%
Granville$2,069-5%
Graymont$1,935-11%
Grayslake$2,1720%
Grayville$2,085-4%
Great Lakes$2,3116%
Green Oaks$2,2162%
Green Valley$2,113-3%
Greenfield$2,1840%
Greenup$2,029-7%
Greenview$2,2333%
Greenville$2,074-5%
Greenwood$2,055-6%
Griggsville$2,2242%
Gurnee$2,2001%
Hagaman$2,1991%
Hagarstown$2,144-1%
Hainesville$2,1850%
Hamburg$2,2333%
Hamel$2,2262%
Hamilton$2,117-3%
Hammond$1,969-10%
Hampshire$2,078-5%
Hampton$2,007-8%
Hanna City$2,1961%
Hanover Park$2,3267%
Hardin$2,2564%
Harrisburg$2,3598%
Harrison$2,2855%
Harristown$2,047-6%
Hartford$2,38910%
Hartsburg$2,062-5%
Harvard$2,094-4%
Harvey$3,28451%
Harwood Heights$2,73526%
Havana$2,160-1%
Hawthorn Woods$2,2463%
Hazel Crest$2,94035%
Hebron$2,122-2%
Hecker$2,2714%
Hennepin$2,096-4%
Henning$2,001-8%
Henry$2,084-4%
Heritage Lake$2,096-4%
Herod$2,3598%
Herrin$2,2262%
Herscher$2,125-2%
Hettick$2,2202%
Heyworth$1,954-10%
Hickory Hills$2,61020%
Hidalgo$2,058-5%
Highland$2,1790%
Highland Park$2,3307%
Highwood$2,3036%
Hillsboro$2,080-4%
Hillsdale$2,043-6%
Hillside$2,45213%
Hillview$2,1911%
Hinckley$1,999-8%
Hindsboro$1,971-9%
Hines$2,67923%
Hinsdale$2,2202%
Hodgkins$2,40811%
Hoffman$2,093-4%
Hoffman Estates$2,3076%
Holcomb$2,134-2%
Holiday Shores$2,1961%
Homer$1,998-8%
Homer Glen$2,2373%
Hometown$2,73726%
Homewood$2,68523%
Hoopeston$2,002-8%
Hooppole$2,000-8%
Hopkins Park$2,1720%
Hoyleton$2,069-5%
Hudson$1,922-12%
Huey$2,1901%
Hull$2,2684%
Humboldt$1,990-9%
Hume$2,052-6%
Huntley$2,058-5%
Hurst$2,2724%
Hutsonville$2,093-4%
Illinois City$2,111-3%
Illiopolis$2,1951%
Ina$2,1750%
Indian Head Park$2,3799%
Indianola$2,015-7%
Ingalls Park$2,43512%
Ingleside$2,1700%
Ingraham$2,061-5%
Inverness$2,2192%
Ipava$2,097-4%
Iroquois$2,082-4%
Irvington$2,100-3%
Island Lake$2,144-1%
Itasca$2,2463%
Ivesdale$1,947-11%
Jacksonville$2,007-8%
Jacob$2,3197%
Janesville$2,091-4%
Jerome$2,117-3%
Jerseyville$2,1760%
Jewett$2,002-8%
Johnsburg$2,145-1%
Johnsonville$2,108-3%
Johnston City$2,2724%
Joliet$2,3267%
Jonesboro$2,3327%
Joppa$2,3257%
Joy$2,063-5%
Junction$2,3156%
Justice$2,75026%
Kampsville$2,2292%
Kane$2,1901%
Kaneville$2,155-1%
Kankakee$2,2313%
Kansas$2,034-7%
Karbers Ridge$2,3488%
Kasbeer$1,992-8%
Keenes$2,1991%
Keensburg$2,043-6%
Keithsburg$2,076-5%
Kell$2,152-1%
Kempton$1,961-10%
Kenilworth$2,42411%
Kenney$1,986-9%
Kent$2,033-7%
Kewanee$1,912-12%
Keyesport$2,069-5%
Kildeer$2,2393%
Kincaid$2,1901%
Kinderhook$2,2363%
Kingston Mines$2,129-2%
Kinmundy$2,114-3%
Kinsman$2,061-5%
Kirkland$1,986-9%
Kirkwood$2,031-7%
Knollwood$2,1941%
Knoxville$1,971-9%
La Fayette$2,070-5%
La Grange$2,3518%
La Grange Park$2,3397%
La Place$1,944-11%
La Prairie$2,163-1%
La Rose$1,985-9%
LaSalle$1,920-12%
Laclede$1,990-9%
Lacon$2,070-5%
Ladd$1,973-9%
Lafox$2,154-1%
Lake Barrington$2,2202%
Lake Bluff$2,1981%
Lake Forest$2,2363%
Lake Fork$2,107-3%
Lake Holiday$2,041-6%
Lake Petersburg$2,2373%
Lake Villa$2,1810%
Lake Zurich$2,2272%
Lake in the Hills$2,105-3%
Lake of the Woods$1,950-10%
Lakemoor$2,138-2%
Lakewood$2,041-6%
Lakewood Shores$2,2041%
Lanark$2,022-7%
Lane$1,964-10%
Lansing$2,66723%
Latham$2,083-4%
Laura$2,133-2%
Lawndale$2,141-2%
Lawrenceville$2,076-5%
Le Roy$1,921-12%
Lebanon$2,2071%
Lee$2,036-6%
Lee Center$1,960-10%
Leland$2,092-4%
Leland Grove$2,114-3%
Lemont$2,3307%
Lena$2,007-8%
Lenzburg$2,1820%
Leonore$2,019-7%
Lerna$2,010-8%
Lewistown$2,124-2%
Lexington$1,913-12%
Libertyville$2,2001%
Lima$2,1891%
Lincoln$2,018-7%
Lincoln's New Salem$2,1730%
Lincolnshire$2,3006%
Lincolnwood$2,78828%
Lindenhurst$2,1780%
Lindenwood$2,022-7%
Lisle$2,111-3%
Litchfield$2,062-5%
Literberry$2,1660%
Little York$2,043-6%
Littleton$2,1670%
Liverpool$2,132-2%
Livingston$2,161-1%
Loami$2,113-3%
Lockport$2,2152%
Loda$2,038-6%
Logan$2,3428%
Lomax$2,010-8%
Lombard$2,155-1%
London Mills$2,163-1%
Long Grove$2,2634%
Long Lake$2,2373%
Long Point$1,950-10%
Longview$1,970-9%
Loraine$2,1931%
Lostant$1,991-8%
Louisville$2,057-5%
Lovejoy$2,83130%
Loves Park$2,090-4%
Lowder$2,1961%
Lowpoint$2,009-8%
Lynn Center$2,015-7%
Lynwood$2,78928%
Lyons$2,54317%
Macedonia$2,2544%
Machesney Park$2,119-3%
Mackinaw$2,099-4%
Macomb$2,008-8%
Macon$2,007-8%
Madison$2,81129%
Maeystown$2,2775%
Magnolia$2,097-4%
Mahomet$1,942-11%
Malden$1,975-9%
Malta$1,993-8%
Manchester$2,164-1%
Manhattan$2,1941%
Manito$2,2041%
Manlius$1,976-9%
Mansfield$1,925-12%
Manteno$2,162-1%
Maple Park$2,009-8%
Mapleton$2,160-1%
Marengo$2,081-4%
Marietta$2,115-3%
Marine$2,2021%
Marion$2,2714%
Marissa$2,2061%
Mark$2,072-5%
Markham$3,24849%
Maroa$1,999-8%
Marquette Heights$2,026-7%
Marseilles$2,033-7%
Marshall$2,051-6%
Martinsville$2,080-4%
Maryville$2,1951%
Mascoutah$2,1891%
Mason$1,980-9%
Mason City$2,144-1%
Matherville$2,052-6%
Matteson$2,76327%
Mattoon$1,947-11%
Maunie$2,147-1%
Maywood$3,00938%
Mazon$2,070-5%
Mc Connell$2,029-7%
McHenry$2,112-3%
McLean$1,973-9%
McLeansboro$2,2674%
McNabb$2,090-4%
Mechanicsburg$2,2262%
Medinah$2,2694%
Medora$2,1921%
Melrose Park$2,79629%
Melvin$1,941-11%
Menard$2,3769%
Mendon$2,2041%
Mendota$1,940-11%
Meredosia$2,160-1%
Merna$1,989-9%
Merrionette Park$2,67023%
Metamora$2,037-6%
Metcalf$2,052-6%
Metropolis$2,3448%
Mettawa$2,2262%
Michael$2,2313%
Middletown$2,096-4%
Midlothian$2,59519%
Milan$2,012-8%
Milford$2,071-5%
Mill Shoals$2,160-1%
Millbrook$2,100-3%
Milledgeville$1,993-8%
Miller City$2,3779%
Millington$2,122-2%
Millstadt$2,2302%
Milmine$1,945-11%
Mineral$1,983-9%
Minier$2,129-2%
Minonk$1,947-11%
Minooka$2,1891%
Mitchell$2,47014%
Mode$2,024-7%
Modesto$2,163-1%
Modoc$2,3086%
Mokena$2,1860%
Moline$1,968-10%
Momence$2,2081%
Monee$2,3277%
Monmouth$2,021-7%
Monroe Center$2,063-5%
Montgomery$2,2373%
Monticello$1,921-12%
Montrose$2,018-7%
Mooseheart$2,135-2%
Morris$2,074-5%
Morrison$1,979-9%
Morrisonville$2,158-1%
Morton$1,981-9%
Morton Grove$2,58219%
Mossville$2,131-2%
Mound City$2,3629%
Mounds$2,3458%
Mount Auburn$2,2313%
Mount Carmel$2,016-7%
Mount Carroll$2,059-5%
Mount Erie$2,151-1%
Mount Morris$2,019-7%
Mount Olive$2,125-2%
Mount Prospect$2,3478%
Mount Pulaski$2,098-4%
Mount Sterling$2,1690%
Mount Vernon$2,142-2%
Mount Zion$1,997-8%
Moweaqua$2,022-7%
Mozier$2,2252%
Muddy$2,3769%
Mulberry Grove$2,047-6%
Mulkeytown$2,2915%
Muncie$2,014-7%
Mundelein$2,1840%
Murdock$1,972-9%
Murphysboro$2,2865%
Nachusa$1,953-10%
Naperville$2,140-2%
Nashville$2,118-3%
Nason$2,1840%
National Stock Yards$2,77427%
Nauvoo$2,147-1%
Nebo$2,2513%
Neoga$1,986-9%
Neponset$1,979-9%
New Athens$2,2242%
New Baden$2,090-4%
New Bedford$1,979-9%
New Berlin$2,051-6%
New Burnside$2,39010%
New Canton$2,2373%
New Douglas$2,1991%
New Haven$2,2996%
New Holland$2,085-4%
New Lenox$2,120-3%
New Memphis$2,093-4%
New Milford$2,158-1%
New Salem$2,1931%
New Windsor$2,071-5%
Newark$2,098-4%
Newman$2,012-8%
Newton$2,049-6%
Niantic$2,059-5%
Niles$2,58719%
Nilwood$2,1710%
Niota$2,140-2%
Noble$2,066-5%
Nokomis$2,082-4%
Nora$2,022-7%
Normal$1,922-12%
Norridge$2,74226%
Norris$2,1830%
Norris City$2,1921%
North Aurora$2,102-3%
North Barrington$2,2152%
North Chicago$2,3277%
North City$2,2694%
North Pekin$2,022-7%
North Riverside$2,46913%
North Utica$1,955-10%
Northbrook$2,43112%
Northfield$2,38510%
Northlake$2,66823%
O'Fallon$2,2222%
Oak Brook$2,2604%
Oak Forest$2,46813%
Oak Lawn$2,61520%
Oak Park$2,64522%
Oakbrook Terrace$2,2282%
Oakdale$2,113-3%
Oakford$2,2483%
Oakland$2,007-8%
Oakwood$2,034-7%
Oakwood Hills$2,115-3%
Odell$1,918-12%
Odin$2,122-2%
Oglesby$1,931-11%
Ohlman$2,2313%
Okawville$2,081-4%
Olive Branch$2,3679%
Olivet$2,031-7%
Olmsted$2,3518%
Olney$2,050-6%
Olympia Fields$2,72125%
Onarga$2,010-8%
Oneida$2,058-5%
Opdyke$2,158-1%
Ophiem$2,017-7%
Oquawka$2,055-6%
Orangeville$2,029-7%
Oraville$2,3779%
Oreana$2,022-7%
Oregon$2,059-5%
Orient$2,2383%
Orion$2,017-7%
Orland Hills$2,3598%
Orland Park$2,3478%
Oswego$2,098-4%
Ottawa$1,939-11%
Owaneco$2,147-1%
Palatine$2,2172%
Palestine$2,078-5%
Palmer$2,159-1%
Palmyra$2,2162%
Paloma$2,1760%
Palos Heights$2,47814%
Palos Hills$2,55617%
Palos Park$2,52716%
Pana$2,097-4%
Panama$2,082-4%
Papineau$2,156-1%
Paris$2,043-6%
Park City$2,3046%
Park Forest$2,62020%
Park Ridge$2,51416%
Parkersburg$2,104-3%
Patoka$2,103-3%
Patterson$2,1921%
Paw Paw$2,022-7%
Pawnee$2,105-3%
Paxton$1,945-11%
Payson$2,2282%
Pearl$2,2403%
Pearl City$2,022-7%
Pecatonica$2,057-5%
Pekin$2,029-7%
Pembroke Township$2,2282%
Penfield$1,952-10%
Peoria$2,1770%
Peoria Heights$2,101-3%
Peotone$2,2252%
Percy$2,3367%
Perks$2,44112%
Perry$2,2001%
Peru$1,898-13%
Petersburg$2,2383%
Philo$1,941-11%
Phoenix$3,31152%
Piasa$2,2071%
Pierron$2,123-2%
Pinckneyville$2,2463%
Piper City$1,933-11%
Pistakee Highlands$2,154-1%
Pittsburg$2,3036%
Pittsfield$2,2041%
Plainfield$2,2614%
Plainville$2,2443%
Plano$2,083-4%
Plato Center$2,2865%
Pleasant Hill$2,2182%
Pleasant Plains$2,1971%
Plymouth$2,107-3%
Pocahontas$2,127-2%
Polo$2,007-8%
Pomona$2,3207%
Pontiac$1,896-13%
Pontoon Beach$2,48414%
Poplar Grove$2,097-4%
Port Barrington$2,2112%
Port Byron$2,044-6%
Posen$3,09442%
Potomac$2,062-5%
Prairie Grove$2,060-5%
Prairie du Rocher$2,3086%
Preemption$2,030-7%
Prestbury$2,061-5%
Preston Heights$2,43212%
Princeton$1,947-11%
Prophetstown$1,971-9%
Prospect Heights$2,41911%
Putnam$2,130-2%
Quincy$1,932-11%
Radom$2,106-3%
Raleigh$2,3538%
Rankin$2,014-7%
Ransom$2,049-6%
Rantoul$1,935-11%
Rapids City$2,1680%
Raritan$2,007-8%
Raymond$2,094-4%
Red Bud$2,2935%
Reddick$2,064-5%
Redmon$2,022-7%
Renault$2,2734%
Reynolds$2,065-5%
Richmond$2,120-3%
Richton Park$2,68623%
Ridge Farm$2,038-6%
Rinard$2,112-3%
Ringwood$2,136-2%
River Forest$2,63121%
River Grove$2,77728%
Riverdale$3,18746%
Riverside$2,43412%
Riverton$2,164-1%
Riverwoods$2,38910%
Robbins$2,99338%
Roberts$1,937-11%
Robinson$2,079-4%
Roby$2,2262%
Rochelle$1,976-9%
Rochester$2,083-4%
Rock City$2,039-6%
Rock Falls$1,890-13%
Rock Island$2,002-8%
Rockbridge$2,1921%
Rockdale$2,3809%
Rockford$2,2162%
Rockport$2,2212%
Rockton$2,000-8%
Rockwood$2,3096%
Rolling Meadows$2,2142%
Rome$2,105-3%
Romeoville$2,2845%
Roodhouse$2,154-1%
Rosamond$2,152-1%
Roscoe$1,993-8%
Roselle$2,2142%
Rosemont$2,52716%
Roseville$2,035-6%
Rosewood Heights$2,3548%
Rosiclare$2,3769%
Rossville$2,069-5%
Round Lake$2,2272%
Round Lake Beach$2,2403%
Round Lake Heights$2,2413%
Round Lake Park$2,2313%
Roxana$2,39110%
Royal$1,952-10%
Royalton$2,2473%
Rushville$2,160-1%
Russell$2,2644%
Rutland$1,983-9%
Sailor Springs$2,075-5%
Salem$2,096-4%
San Jose$2,157-1%
Sandoval$2,132-2%
Sandwich$2,031-7%
Sauk Village$2,78928%
Savanna$2,059-5%
Savoy$1,958-10%
Sawyerville$2,139-2%
Saybrook$1,945-11%
Scales Mound$2,029-7%
Schaumburg$2,2865%
Scheller$2,2061%
Schiller Park$2,75627%
Schram City$2,079-4%
Sciota$2,085-4%
Scott AFB$2,1710%
Seaton$2,077-5%
Seatonville$1,951-10%
Secor$2,006-8%
Seneca$2,049-6%
Sesser$2,3156%
Seward$2,059-5%
Seymour$1,922-12%
Shannon$2,003-8%
Shawneetown$2,3197%
Sheffield$1,988-9%
Shelbyville$1,994-8%
Sheldon$2,074-5%
Sheridan$2,084-4%
Sherman$2,134-2%
Sherrard$2,062-5%
Shiloh$2,2644%
Shirland$2,129-2%
Shirley$1,951-10%
Shobonier$2,030-7%
Shorewood$2,2956%
Shumway$1,971-9%
Sibley$1,949-10%
Sidell$1,997-8%
Sidney$1,989-9%
Silvis$1,972-9%
Sims$2,146-1%
Skokie$2,75827%
Sleepy Hollow$2,1881%
Smithboro$2,065-5%
Smithfield$2,122-2%
Smithshire$2,021-7%
Smithton$2,2795%
Somonauk$2,050-6%
Sorento$2,088-4%
South Barrington$2,2544%
South Beloit$1,998-8%
South Chicago Heights$2,76827%
South Elgin$2,1770%
South Holland$2,86632%
South Jacksonville$2,007-8%
South Pekin$2,035-6%
South Roxana$2,2875%
South Suburban$2,81229%
South Wilmington$2,049-6%
Southern View$2,2071%
Sparland$2,093-4%
Sparta$2,3568%
Speer$2,081-4%
Spring Grove$2,103-3%
Spring Valley$1,983-9%
Springerton$2,2031%
Springfield$2,155-1%
St. Anne$2,2031%
St. Augustine$2,081-4%
St. Charles$2,088-4%
St. David$2,103-3%
St. Elmo$2,005-8%
St. Francisville$2,034-7%
St. Joseph$1,944-11%
St. Libory$2,1881%
St. Peter$2,016-7%
Standard$2,056-6%
Stanford$1,998-8%
Staunton$2,117-3%
Ste. Marie$2,037-6%
Steeleville$2,3237%
Steger$2,61420%
Sterling$1,919-12%
Steward$1,991-8%
Stewardson$1,989-9%
Stickney$2,86932%
Stillman Valley$2,061-5%
Stockland$2,045-6%
Stockton$2,051-6%
Stone Park$2,92835%
Stonington$2,1770%
Stoy$2,132-2%
Strasburg$1,973-9%
Strawn$1,957-10%
Streamwood$2,3377%
Streator$1,975-9%
Stronghurst$2,015-7%
Sugar Grove$2,055-6%
Sullivan$1,952-10%
Summerfield$2,1800%
Summit$2,77227%
Summit Argo$2,77828%
Sumner$2,108-3%
Sun River Terrace$2,1860%
Sutter$2,143-1%
Swansea$2,3086%
Sycamore$1,936-11%
Table Grove$2,123-2%
Tallula$2,2383%
Tamaroa$2,2503%
Tampico$1,945-11%
Taylor Ridge$2,070-5%
Taylor Springs$2,077-5%
Taylorville$2,143-2%
Techny$2,40711%
Teutopolis$1,950-10%
Texico$2,1680%
Thawville$2,033-7%
Thayer$2,071-5%
The Galena Territory$2,003-8%
Thebes$2,3528%
Thomasboro$1,966-10%
Thompsonville$2,2724%
Thomson$1,988-9%
Thornton$2,70624%
Tilden$2,2935%
Tilton$2,016-7%
Timewell$2,163-1%
Tinley Park$2,3568%
Tiskilwa$1,994-8%
Toledo$2,055-6%
Tolono$1,935-11%
Toluca$1,970-9%
Tonica$1,996-8%
Topeka$2,165-1%
Toulon$2,034-6%
Tovey$2,098-4%
Tower Hill$2,025-7%
Tower Lakes$2,2081%
Tremont$2,060-5%
Trenton$2,106-3%
Trilla$2,009-8%
Triumph$2,064-5%
Troy$2,2071%
Troy Grove$1,960-10%
Tuscola$1,960-10%
Twin Grove$1,913-12%
Ullin$2,3548%
Union$2,100-3%
Union Hill$2,107-3%
Unity$2,3287%
University Park$2,57018%
Urbana$1,994-8%
Valier$2,2222%
Valmeyer$2,2473%
Van Orin$1,981-9%
Vandalia$1,986-9%
Varna$2,023-7%
Venetian Village$2,1790%
Venice$2,81129%
Vermilion$2,115-3%
Vermont$2,097-4%
Vernon$2,119-3%
Vernon Hills$2,2051%
Verona$2,064-5%
Vienna$2,3317%
Villa Grove$1,964-10%
Villa Park$2,2262%
Viola$2,066-5%
Virden$2,148-1%
Virginia$2,1961%
Wadsworth$2,2584%
Waggoner$2,095-4%
Walnut Hill$2,163-1%
Walsh$2,3146%
Walshville$2,112-3%
Waltonville$2,1891%
Wamac$2,125-2%
Warren$2,042-6%
Warrensburg$2,015-7%
Warrenville$2,139-2%
Warsaw$2,156-1%
Wasco$2,2212%
Washburn$2,016-7%
Washington$1,982-9%
Washington Park$2,94535%
Wataga$2,026-7%
Waterloo$2,1941%
Waterman$1,990-9%
Watseka$2,043-6%
Watson$1,965-10%
Wauconda$2,109-3%
Waukegan$2,3016%
Waverly$2,113-3%
Wayne$2,2242%
Wayne City$2,1720%
Wedron$2,017-7%
Weldon$1,974-9%
Wellington$2,046-6%
Wenona$1,986-9%
West Brooklyn$1,951-10%
West Chicago$2,1871%
West City$2,2513%
West Dundee$2,1891%
West Frankfort$2,2544%
West Liberty$2,042-6%
West Peoria$2,1881%
West Point$2,147-1%
West Salem$2,140-2%
West Union$2,078-4%
West York$2,081-4%
Westchester$2,42111%
Western Springs$2,3307%
Westfield$2,054-6%
Westmont$2,2373%
Westville$2,027-7%
Wheaton$2,115-3%
Wheeler$2,004-8%
Wheeling$2,45313%
White Hall$2,164-1%
White Heath$1,936-11%
Whittington$2,2815%
Williamsfield$2,110-3%
Williamsville$2,097-4%
Willisville$2,2574%
Willow Springs$2,47114%
Willowbrook$2,3247%
Wilmette$2,42712%
Wilmington$2,2071%
Wilsonville$2,1871%
Winchester$2,165-1%
Winfield$2,101-3%
Winnebago$2,069-5%
Winnetka$2,3588%
Winthrop Harbor$2,2734%
Witt$2,081-4%
Wolf Lake$2,3066%
Wonder Lake$2,052-6%
Wood Dale$2,2724%
Wood River$2,3207%
Woodhull$2,022-7%
Woodland$2,052-6%
Woodlawn$2,130-2%
Woodridge$2,1901%
Woodson$2,045-6%
Woodstock$2,095-4%
Woosung$2,003-8%
Worden$2,1971%
Worth$2,62621%
Wrights$2,2795%
Wyanet$1,986-9%
Wyoming$2,071-5%
Yale$2,060-5%
Yates City$2,109-3%
Yorkville$2,154-1%
Zeigler$2,2694%
Zion$2,2915%

Illinois drivers are required to carry at least 25/50/20 car insurance limits.

  • $25,000 of bodily injury liability coverage per person
  • $50,000 of bodily injury liability coverage per accident
  • $20,000 of property damage coverage

Illinois also requires:

  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident

You’re not required by law to buy full-coverage car insurance in Illinois. However, if you financed your vehicle, your lending agreement will probably require it.

If your drivers license is suspended in Illinois for a DUI or similar offense, you’ll need to file an SR-22 to reinstate it. An SR-22 is proof of financial responsibility that you have the minimum amount of car insurance Illinois requires. Your insurance company should file the SR-22 with the DMV for you.

The average cost of full-coverage car insurance in Illinois is $2,147 a year, or $179 a month. Liability-only car insurance costs $894 a year, or $74 a month, on average.

Illinois is an at-fault car insurance state, meaning the person responsible for the accident pays for injuries and damages they caused.

Methodology

LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.

Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.

Minimum-liability policies provide liability coverage with the state’s required minimum limits.

Full-coverage policies include collision, comprehensive and liability coverage:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
  • Personal injury protection: minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive: $500 deductible


Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.

For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims. Overall satisfaction ratings are from the J.D. Power 2024 U.S. Auto Insurance Study.

*USAA is only available to current and former members of the military as well as certain family members.