Car Insurance in Illinois: 2026 Rates & Guide
Illinois is a mid-range state for car insurance. The average driver pays $128/month ($1536/year). Here's how to find the best rate for your situation.
$128
Avg Monthly
$1536
Avg Annual
#22
Cost Rank (1=priciest)
$98
Cheapest Option/mo
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Cheapest Car Insurance Companies in Illinois (2026)
Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.
Top insurers in Illinois — sorted by average monthly rate
| # | Company | Est. Monthly | Rating | |
|---|---|---|---|---|
| 1 | ★ BestGEICO | $98/mo | 4.3 | Get Quote |
| 2 | State Farm | $104/mo | 4.6 | Get Quote |
| 3 | Country Financial | $96/mo | 4.5 | |
| 4 | Progressive | $118/mo | 4.1 | Get Quote |
| 5 | Allstate | $134/mo | 4 | Get Quote |
Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.
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Illinois Car Insurance Requirements
Minimum Coverage: 25/50/20
Illinois is an at-fault state. The driver who causes an accident is financially responsible.
- 25/50/20 liability minimum
- Uninsured motorist required
- No PIP requirement
Illinois Insurance Facts
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How to Get Cheaper Car Insurance in Illinois
Compare at least 3–5 quotes
Rates vary by 40–60% between companies for the same driver profile.
Raise your deductible
Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.
Bundle home + auto
Multi-policy discounts average 15–25% across major insurers.
Try usage-based insurance
Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.
Ask about all discounts
Good student, military, professional association, and low-mileage discounts are often unclaimed.
Improve your credit score
In most states, a good credit score can lower premiums by 20–50%.
Car Insurance in Illinois — FAQs
What is the average cost of car insurance in Illinois?
What is the minimum car insurance required in Illinois?
Which company has the cheapest car insurance in Illinois?
Is Illinois a no-fault car insurance state?
How can I lower my car insurance in Illinois?
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