You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the technical advice and tools needed to succeed throughout life ’ s fiscal journey. Bankrate ’ s editorial team writes on behalf of YOU – the proofreader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow stern guidelines to ensure that our column contentedness is not influenced by advertisers. Our editorial team receives no send recompense from advertisers, and our contentedness is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a recapitulation, you can trust that you ’ re getting credible and reliable information. We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check column message to ensure the information you ’ rhenium understand is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive lead recompense from our advertisers. Bankrate follows a hard-and-fast editorial policy, so you can trust that we ’ re putting your interests beginning. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. All providers discussed on our site are vetted based on the respect they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy first. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which supplier is proper for you. Bankrate follows a hard-and-fast editorial policy, so you can trust that we ’ rhenium putting your interests inaugural. All of our content is authored by highly restricted professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your entrust. Founded in 1976, Bankrate has a long track record of helping people make smart fiscal choices. We ’ ve maintained this repute for over four decades by demystifying the fiscal decision-making process and giving people assurance in which actions to take next. While we adhere to strict column integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. More than half of Illinois ’ 12.7 million entire residents are licensed to drive. however, flush with cable car indemnity being legally required in the state of matter, about 12 % of the 8,546,932 licensed drivers in the state are uninsured. More than precisely a legal prerequisite, car indemnity helps keep you financially protected against incidents that may impact you, your vehicle or other motorists and passengers on the road. Car policy in Illinois is priced at $ 442 per year for minimum coverage and $ 1,485 per year for full moon coverage, well under the national average monetary value of car indemnity. hush, many drivers distillery seek lower premiums. To help Illinois ’ driving population — both those with and without car indemnity — Bankrate researched multiple companies writing policies in the express and compared each company ’ randomness average 2021 premiums to narrow down the cheap car policy companies in Illinois .
The cheapest car insurance in Illinois
Illinois drivers have respective options when it comes to low-cost car indemnity, making it well less cable car policy rates in early states. The table below includes the cheap car insurance in Illinois from some of the best car indemnity companies in the area .
|Car insurance company||J.D. Power customer satisfaction score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||837 / 1,000||$267||$928|
|State Farm||851 / 1,000||$316||$935|
|Progressive||842 / 1,000||$525||$1,299|
|Allstate||827 / 1,000||$416||$1,637|
|Country Financial||850 / 1,000||$438||$1,648|
Drivers who are looking for cheap car insurance in Illinois might consider starting their search with Geico. The average fully coverage policy from Geico costs $ 928 per annum and the average minimum coverage policy costs equitable $ 267. In addition to low rates, Geico offers many discounts for even more savings. Drivers can get a lower agio by having vehicle safety features, being a good student, being a good driver, being a union employee or being an active duty military penis.
Read more: Can you get car insurance without a license?
Learn more : Geico Insurance review
Drivers who are looking for cheap policy coverage in Illinois could choose an affordably-priced policy from State Farm. The average minimal coverage policy costs $ 316 annually and the average fully coverage policy costs $ 935 annually. Drivers can save money by taking advantage of discounts for being accident-free, being a well student, taking a defensive force run and taking advantage of one of State Farm ’ s safe driver programs, Drive Safe & Save or Steer Clear. Policyholders can besides feel convinced when they opt for travel expense coverage, which pays for transportation system, food and impermanent bide expenses when they are involved in an accident more than 50 miles from home. Learn more : State Farm Insurance review
Progressive is a great choice when you want to save on your insurance, specially when you bundle home plate and car indemnity. Its touch Snapshot plan rewards safe driving with extra savings, but there are many other ways to save, besides. Progressive besides offers discounts for multiple cars, continuous insurance, college students and adolescent drivers. You can besides use the Name Your Price Tool to control how a lot you pay each month for your indemnity. Learn more : progressive Insurance review
Allstate offers respective types of cable car policy coverage like healthy system policy, wayside coverage, personal injury protection ( PIP ) indemnity and rental car reimbursement. It is besides a company that specializes in adolescent driver insurance, adenine well as rideshare policy if you drive for Uber or Lyft. If you need classical cable car indemnity, Allstate has you covered there, besides. To help you afford these extra types of coverage, you can sign up for Allstate ’ sulfur Drivewise broadcast, which will reward you for safe drive habits. Learn more : Allstate Insurance recapitulation
If you have a new car, Country Financial ’ s Keeper® auspices will replace your car with the claim stool and exemplary so you are not affected by depreciation if your brand-new cable car is totaled in an accident. There is besides emergency wayside aid, fomite rental and trip break coverage and safety glass coverage. Country Financial has several savings programs that include package and multi-car discounts, plus excess savings for new drivers when you complete its Simply Drive course. Learn more : country Financial Insurance review
Minimum coverage for Illinois drivers
Drivers in Illinois are required to carry minimum coverage car insurance, which includes bodily injury and place damage liability coverage, equally well as indebtedness coverage for uninsured motorists. minimum coverage insurance in Illinois is abbreviated as 25/50/20, which includes :
- $25,000 in bodily injury liability coverage per person
- $50,000 in bodily injury liability coverage per accident
- $20,000 in property damage liability coverage.
Purchasing minimum coverage policy could mean you pay the lowest rate. however, drivers are encouraged to purchase coverage beyond the minimum requirement. car accidents can be expensive, and if your policy does not cover the full cost of an accident, you are responsible for paying the perch out-of-pocket .
How to get cheap car insurance in Illinois
If you are looking for the cheapest car insurance in Illinois, finding an low-cost carrier wave is important. however, there are several other ways that drivers can get a humble pace. here are some of the most common ways to save when purchasing insurance from Illinois ’ mho best car insurance providers :
- Shop around: Instead of settling for the first provider you find, consider doing some research to identify a few car insurance companies that have the coverage and discounts you are looking for.
- Compare rates: Get quotes from several insurance providers and compare them to see which company can offer the lowest-priced policy.
- Take advantage of discounts: Look for insurance companies that offer discounts you qualify for. The more discounts you can take advantage of, the cheaper your premium may be.
- Pay in full: If you can afford to pay your annual premium upfront and in full, you can probably save some money on your policy.
- Raise your credit score: In Illinois, car insurance companies will use your credit score to price your insurance. Improving your credit score can help you get a lower rate.
- Increase your deductible: If you can afford a higher out-of-pocket cost, you may consider raising your deductible. The savings may not be significant, but it will lower your premium slightly.
Frequently asked questions
What is the best car insurance in Illinois?
The best car indemnity caller in Illinois is unlike for every driver. When determining the best car policy company for you, it may help to look at which supplier offers the most meaningful coverage options and has hard customer service .
What is the average cost of car insurance in the U.S.?
The average cost of cable car insurance in the U.S. is $ 1,674 for a full coverage policy annually. The statewide average monetary value of full moon coverage policy in Illinois is $ 1,485 per year, which is well below the national median. The rate you end up paying may be unlike depending on your age, driving phonograph record and ZIP code, among other factors .
How do I get a car insurance quote?
Getting a car indemnity quote is a simple procedure. The easiest ways to get a quote are to use an on-line quote creature or call an agent directly. You will be asked to provide personal information, like your name, address, birthday and possibly your social security count. You will besides need to provide information about your vehicle, such as the VIN, mileage, make, model and year.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleanse drive record, good citation and the follow full moon coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverages that meet each department of state ’ south requirements. Our root profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes .