Find Cheap Car Insurance in Illinois
State Farm offers the cheapest average car insurance rates in Illinois. Our datum shows that the median Illinois driver pays $ 54 per month for minimum-coverage car policy if they get it from State Farm, or $ 118 per month for wide coverage .
These amounts are army for the liberation of rwanda below the state averages for such types of car indemnity. Based on our inquiry, the average Illinois driver pays $ 101 a calendar month for minimum coverage or $ 215 a month for full coverage .
Cheapest car insurance companies in Illinois
state farm has the cheapest minimal cable car insurance in Illinois, with a $ 54 monthly premium. But State Farm is n’t the entirely caller that offers low-cost car policy to Illinois drivers. area Preferred and American Family besides offer cheap rates for the same type of policy .
You should know : Obtaining the minimal come of required coverage will save you money on your bounty in the hanker term, but if your car sustains wrong in an accident, you won ’ thymine be covered under a minimal indebtedness policy. That ’ mho why we recommend you choose extra or higher coverage limits if your vehicle is new or expensive.
Company | Average monthly rate |
---|---|
State Farm | $54 |
Country Preferred | $57 |
American Family | $77 |
Progressive | $78 |
State average | $101 |
Allstate | $116 |
Standard Fire | $125 |
GEICO | $134 |
Illinois Farmers | $216 |
USAA | $52 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. |
Cheapest full-coverage car insurance in Illinois
state Farm besides offers the cheapest full-coverage car policy in Illinois, with a $ 118 average monthly premium. Another option for Illinois drivers looking for low-cost full-coverage car policy : area Preferred. It sent us a quote of $ 126 per month for this type of policy .
You should know : Full coverage normally includes indebtedness, comprehensive and collision coverages. comprehensive examination coverage provides security against “ acts of God ”, or events out of your control, including natural disasters and larceny. On the other handwriting, collision coverage provides reimbursement for your vehicle ’ randomness damage caused by a crash .
Company | Average monthly rate |
---|---|
State Farm | $118 |
Country Preferred | $126 |
Progressive | $155 |
American Family | $161 |
State average | $215 |
Standard Fire | $230 |
Allstate | $303 |
GEICO | $322 |
Illinois Farmers | $403 |
USAA | $117 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. |
Cheapest car insurance for young drivers in Illinois
indemnity companies use respective factors to calculate premiums, including age and driving experience. Teens and newfangled drivers receive some of the most expensive car policy rates due to their inexperience and high risk .
Based on our psychoanalysis, Country Preferred and State Farm offer the brassy car policy rates for young drivers. If you or a family penis are or were previously enrolled in the military, you may besides receive highly low-cost rates from USAA .
Given the high gear price of car indemnity for adolescent drivers, it ‘s authoritative to compare rates from multiple companies and stable gear on as many discounts as potential. Another worthwhile alternative to save is to consider signing onto a more have driver ’ mho policy, like your parents ’ .
- bar chart 16 year old
- bar chart 18 class old
- bar chart 20 year old
Read more: Baltimore Maryland Auto Insurance | SafeAuto
Cheapest car insurance companies for older drivers in Illinois
indemnity companies take your experience and long time into consideration when calculating your car indemnity premium. Both factors are used as potent indicators of how condom of a driver you are. More feel implies that you are less probable to get into an accident .
Company | 50 years old | 60 years old | 70 years old |
---|---|---|---|
Allstate | $276 | $278 | $219 |
American Family | $148 | $148 | $151 |
Country Preferred | $108 | $105 | $116 |
GEICO | $268 | $260 | $319 |
Illinois Farmers | $362 | $251 | $243 |
Progressive | $132 | $132 | $153 |
Standard Fire | $205 | $183 | $221 |
State Farm | $114 | $108 | $113 |
USAA | $100 | $101 | $114 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. |
Cheapest full-coverage car insurance for drivers after an accident
indemnity price is based on an assessment of risk. If you ‘ve been involved in an at-fault accident, you ‘re seen as a riskier driver to insure compared to person with a clean record .
Drivers who fit this poster can find the most low-cost car insurance rates from State Farm and Country Preferred, which increase their monthly premiums by less than $ 100 for post-accident drivers .
Company | Monthly rate before accident | Monthly rate after accident | Difference |
---|---|---|---|
State Farm | $118 | $141 | $23 |
Country Preferred | $126 | $193 | $67 |
American Family | $161 | $244 | $83 |
Progressive | $155 | $248 | $93 |
Standard Fire | $230 | $302 | $72 |
GEICO | $322 | $520 | $198 |
Allstate | $303 | $535 | $232 |
Illinois Farmers | $403 | $601 | $198 |
USAA | $117 | $174 | $57 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. |
Cheapest full-coverage car insurance for drivers with a DUI
It goes without saying that DUIs are dangerous driving violations. So it wo n’t be surprise to hear that drivers charged with a DUI normally have trouble finding low-cost rates. fortunately for State Farm and Progressive customers, average rates only go up by less than $ 20 a calendar month after a DUI .
Company | Monthly rate before accident | Monthly rate after accident | Difference |
---|---|---|---|
State Farm | $118 | $129 | $11 |
Progressive | $155 | $172 | $17 |
Country Preferred | $126 | $202 | $76 |
American Family | $161 | $289 | $128 |
Standard Fire | $230 | $336 | $106 |
Allstate | $303 | $462 | $159 |
Illinois Farmers | $403 | $571 | $168 |
GEICO | $322 | $581 | $259 |
USAA | $117 | $261 | $144 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. |
Cheapest full-coverage car insurance for drivers with a speeding ticket
Speeding tickets are one of the most common drive violations. If you ‘re one of the millions of drivers who have received a speeding tag in the last three to five years, your car policy premium will probable increase .
Company | Monthly rate before accident | Monthly rate after accident | Difference |
---|---|---|---|
State Farm | $118 | $129 | $11 |
Country Preferred | $126 | $169 | $43 |
American Family | $161 | $191 | $30 |
Progressive | $155 | $192 | $37 |
Standard Fire | $230 | $283 | $53 |
GEICO | $322 | $379 | $57 |
Allstate | $303 | $389 | $86 |
Illinois Farmers | $403 | $594 | $191 |
USAA | $117 | $151 | $34 |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. |
Best car insurance companies in Illinois, according to customers
You should consider multiple angles when purchasing an car indemnity policy. namely, you should consider the quality of service you will receive for the price and whether it ‘s worth it .
J.D. Power rates companies across the country on a scale of 1,000. The higher a company ’ sulfur score, the better its customer military service and claims filing summons. The average military rank for states in the North Central region, which includes Illinois, is 843. The National Association of Insurance Commissioners ‘ rate is based on the numeral of dinner dress complaints filed with state insurance regulators. A high gear score indicates that the company has more complaints than average against them .
Company | J.D. Power 2021 U.S. Auto Insurance Satisfaction Study | NAIC Complaint Index 2020 |
---|---|---|
Allstate | 832 | 0.70 |
American Family | 814 | 0.59 |
Country Preferred | N/A | 0.17 |
GEICO | 855 | 1.33 |
Illinois Farmers | 827 | 0.19 |
Progressive | 849 | 0.69 |
Standard Fire | N/A | 0.56 |
State Farm | 849 | 0.70 |
USAA | 905 | 1.20 |
eminence : J.D. Power assesses overall customer gratification on a 1,000-point scale. The NAIC Complaint Index is the rate at which customers file complaints to their state regulators. The median Complaint Index is 1.0 . |
Car insurance requirements in Illinois
cable car policy is mandatary in Illinois. To comply with state jurisprudence, you must carry at least a minimum sum of liability car indemnity. This means having at least the watch amounts of property damage and bodily injury liability coverage :
- $25,000 per person/$50,000 per accident in bodily injury liability
- $20,000 in property damage liability
You could face several penalties if you ’ re catch driving without car insurance in Illinois. The submit may fine you $ 500 or more, for starters. It could besides suspend your license plates .
SR-22 insurance in Illinois
If you ’ re convicted of a serious drive umbrage in Illinois, the express may make you file an SR-22 class. An SR-22 proves you ’ re carrying the needed amount of car indemnity coverage .
When might you have to file an SR-22 in Illinois ? The submit frequently requires it of people who :
- Drive recklessly.
- Drive under the influence (DUI or DWI).
- Are cited for another major moving violation or serious driving offense.
- Get too many speeding tickets or other traffic citations.
- Accumulate too many toll violations or fail to pay child support.
Driving conditions in Illinois
Illinois has one of the worst road infrastructures in the country, according to our analysis. approximately 20 % of the state roads are considered “ unacceptable ”. These road conditions have led to the average Illinois driver paying approximately $ 586 in consort costs.
Methodology
We conducted a comprehensive study of car indemnity rates in Illinois through Quadrant Information Services. The quotes we collected were for a 30-year-old male. He is unmarried and has a clean drive record. He owns a 2012 Honda Accord LX and drives it 13,500 miles a class, on average. His full coverage car indemnity policy has 100/300/100 coverage limits and a $ 500 deductible, where applicable .
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