We analyzed auto insurance rates in the state of Illinois to give readers an indication of which companies were the cheapest for local drivers. Though the average annual vehicle insurance cost in Illinois was $1,158, you can pay significantly more or less for your insurance policy depending on which company you decide to use. For example, Victoria—the most expensive insurer in the state, among those we surveyed—had annual car insurance premiums 175% greater than the company with the cheapest rates, Auto Owners.
Additionally, the auto insurance company with the lowest rates for you can change from year-to-year—some insurers have raised rates by as much as 29% since 2017. As such, we always tell our readers to shop around and get quotes from multiple companies to get great rates. If you want to find out which auto insurers operate in your area, enter your zip code in the box above.
- Cheapest Auto Insurance Companies
- Best Car Insurance Rates: by City
- Best-Rated Auto Insurance Companies in Illinois
- Illinois Car Insurance Rate Increases
- Average Cost of Car Insurance: by City
- Illinois Auto Insurance Requirements
Cheapest Auto Insurance in Illinois
As part of our comparison study, we looked at quotes from 28 different companies across multiple cities in the state to identify which had the cheapest rates in Illinois for car insurance. We calculated the average quote at each company based on our benchmark driver, a single 30-year-old man, and ranked them from the cheapest insurers to the most expensive:
Our quote analysis found that Unique Insurance was the cheapest auto insurance company in Illinois for our sample driver, on average. Close behind Unique were Farmers, Lighthouse, Rockford Mutual, and The Hartford, which rounded out the top five most affordable companies for car insurance in the Prairie State. Unique’s rates were 45% cheaper than the state average for our sample motorists—in fact, a year at the costliest company could pay for over 3 years of coverage at Unique. Here are the rest of the companies we surveyed:
|Rank||Auto Insurance Company||Average Annual Rates|
|7||Auto Club Group||$884|
Cheapest Car Insurance in Illinois: by City
With almost 58,000 square miles of land, Illinois is the fifth most populous state and the 24th largest by land mass in the country. Prices for local auto insurance can vary depending on where people live and park their car in Illinois. The most expensive city in Illinois was Chicago. Costs in Chicago are about 1.8x costs in Normal, the cheapest city statewide. Regardless of what average costs are in each city, comparing auto insurance quotes near you will lead to cheaper rates. Below you will find a table of cities in Illinois and their most affordable insurers.
|City||Auto Insurance Company||Average Annual Rates|
|Auto Club Group||$708|
The largest city in Illinois and third largest in the United States, nearly three million people call Chicago home.. Auto insurance costs in the Windy City were found to be $1,765 per year for a state minimum policy, which works out to be 52% more expensive than our average.
If you’re looking for cheap car insurance in Chicago, we suggest starting with Unique, Lighthouse, and Farmers. The average premium quoted at the three cheapest companies in Chicago was $780 for a minimum policy, which could mean about 56% more savings compared to the typical insurer here. It certainly pays to compare rates before choosing an insurer.
Illinois’s second largest city, Aurora is a suburban town 40 miles west of downtown Chicago with 200,000 residents inside the city limits. As one of the first U.S. cities to have electric street lights throughout town, Aurora is nicknamed the “City of Lights” and is so large it extends into four different Illinois counties. As the second most populous city in the state, Aurora fared much better than Chicago in regards to auto insurance rates. Our sample drivers pays $1,108 annually.
For low-cost vehicle insurance quotes near you in Aurora, we recommend that you include Unique, Farmers, Lighthouse, Auto Club Group, and The Hartford in your list of companies to review. We found that these five insurers quoted our sample drivers in Aurora similarly cheap rates, with a mean quote of $665 per year—40% less than what the typical Aurora motorist pays. Especially in the case of Unique, our local motorist (a single 30-year-old man) found quotes as cheap as $564 a year. Note that these rates are for full coverage.
Located in north-central Illinois with the beautiful Rock River running right through its downtown, Rockford, IL is the third-most populated city in IL. Rockford has 147,051 citizens in the city, and more than double that if you include the entire metro area. Amongst other redeeming attributes of “Forest City” are its easy access to transportation, Illinois’s biggest musical festival and the affordable cost of living. Annual rates in Rockford on average are $1,122 or around $94 per month for our profiled motorist.
We found the best auto insurance quotes in Rockford at Unique, Lighthouse, and Farmers. Also not far behind were The Hartford and Auto Club Group. Rates from all five companies averaged $744 a year – that’s 34% less than the average going cost of $1,122 in Rockford. Whether you are married or single, we recommend including these local companies into your insurer shopping list.
Illinois’s fastest-growing city and also its fourth largest, Joliet lies 45 minutes by car to the southwest of Chicago, along the Des Plaines River. Formerly an industrial center, Joliet has seen significant growth in recent years from entertainment and cultural industries. Our four drivers found rates averaging $1,243 per year for car insurance just meeting the state’s minimum requirements—almost on par with the statewide average of $1,158.
In our analysis, however, savings could be found at these three companies, which had some of the lowest rates in Joliet: Unique, Lighthouse, and Farmers. Their average annual premium quote of $684 represents a 45% decrease versus the overall city. If you will like to add to some variety, also consider looking into Nationwide and Auto Club Group when you shop. Together, these five carriers had the most affordable auto insurance rates in Joliet for our profiled driver.
With the most affordable auto insurance of Illinois’s largest cities, Naperville is a suburb of Chicago and home to 143,000+ residents. Although once a farming town, Naperville has transformed into an affluent city that has been on innumerable “Best Places to Live” lists throughout the years, and for good reason. Amongst Naperville’s other accolades is the “Best Public Library” distinction. And although the cost of living is almost 20% higher in Naperville than in the rest of Illinois, its car insurance rates are cheaper than average at $1,012 per year or $84 monthly for full coverage for our sample motorist.
Unique and Farmers take the cake with the cheapest auto insurance rates for Naperville locals with premiums running around $560 per year—45% cheaper than the Naperville average. Not far behind are Lighthouse, Pekin Insurance, and Rockford Mutual, all of which represent at least $316 savings compared to what the typical Naperville insurers are charging.
Best-Rated Auto Insurers in Illinois
Trying to judge which auto insurance company is the most reliable and has the best customer service can be difficult. One statistic we think is useful is called the ‘complaint ratio’. This figure captures the number of complaints each company receives in a calendar year per $1 million in written premiums. Looking for the company near you with the lowest complaint ratio can give you an apples-to-apples comparison in your search for the best auto insurance company.
Below is a list of Illinois insurers’ complaint ratios, as calculated and published by the Illinois Department of Insurance based on the customer complaints reported—the latest year for which data is available. The lower the ratio, the better the company’s rating.
|6||Standard Fire Insurance||0.14|
|22||Bristol West Insurance Company||0.49|
|23||Safe Auto Insurance Company||0.52|
|26||Elephant Insurance Company||1.17|
|27||First Acceptance Insurance Company Inc.||1.46|
|28||Safeway Insurance Company||1.48|
|29||American Access Casualty Company||1.60|
|30||Fred Loya Insurance||1.63|
|31||First Chicago Insurance Company||1.75|
|32||Unique Insurance Company||3.18|
|33||Founders Insurance Company||3.28|
|34||Falcon Insurance Company||3.36|
|35||Stonegate Insurance Company||3.76|
|36||American Freedom Insurance Company||4.24|
|37||American Alliance Casualty Company||4.30|
|38||Lighthouse Casualty Company||4.95|
|39||Direct Auto Insurance Company||5.85|
|40||United Equitable Insurance Company||6.34|
Illinois Car Insurance Rate Increases
Illinois drivers have experience relatively minor rate changes in recent years, with a cumulative increase of 3% from 2017 to 2019 across the 10 largest insurers. However, it’s not all good news as some insurers logged massive rate increases. American Family, for example saw a 29% premium hike during this time frame.
|Insurer||Market Share||Rate Change % 2017||Rate Change % 2018||Rate Change % 2019*||Cumulative Rate Change % 2017-2019|
|Top 10 Groups||78%||2%||1%||0%||3%|
* Includes rates filings through 4/1/2019
Average Cost of Car Insurance in Illinois: by City
If you’d like to see the average price of auto insurance in your city, here is a comprehensive list of the towns we looked at. They are listed in alphabetical order.
Illinois Auto Insurance Coverage Requirements
Drivers in Illinois need to abide by the state’s mandatory minimum auto insurance requirements. Illinois is not a “no-fault” state and so drivers are only required to carry liability insurance. The following are the mandatory limits:
- Bodily injury liability insurance: $25,000 per person and $50,000 per accident
- Property damage liability insurance: $20,000 per accident
- Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
The sample quotes we obtained were for full coverage to insure a 2011 Toyota Camry that is used for commute daily, averaging 12,000 miles a year. Our sample driver is a 30 year old single male with good credit and a clean driving history.
Finally, we looked at quotes from 28 auto insurance companies licensed that do business in Illinois, and averaged the sample vehicle insurance rates to come up with a city average. The companies we included represented a sample of the largest insurers in the state, as well as some more local companies, including but not limited to: State Farm, Allstate, Farmers, COUNTRY Financial, Cincinnati Insurance, Grange Mutual and 21st Century.
Surveyed auto insurance costs in Illinois are for illustrative purposes only and actual quotes will vary based on your physical residence, driving history, and other factors.
The state of Illinois requires financial responsibility and ability to pay for injury, death, and damage on the road. Their minimum auto insurance liability requirements, along with the limits we used in our analysis, are listed below.
|Coverage||State Minimum Limits||Analysis Limits|
|Bodily Injury||$25,000 per person / $50,000 per accident||$25,000 per person / $50,000 per accident|
|Uninsured Motorist Bodily Injury||$20,000 per person / $40,000 per accident||$25,000 per person / $50,000 per accident|
|Uninsured Motorist Property Damage||Optional||$25,000|
|Collision / Comprehensive Deductible||Optional||$500|