Cheapest Car Insurance in Illinois
Numbers refreshed
Insurers ranked by price where Illinois releases figures, plus ways to cut your own bill.
- $54.the average monthly cost of the legal minimum.
- 25/50/20.the minimum liability limits.
- 29th of 51.the most expensive state (1st = highest).
Which insurer charges the least in Illinois
Illinois doesn't publish a price comparison of insurers, so you can't rank every company there using official numbers. On average, the cheapest legal policy runs $649 a year, or about $54 a month (NAIC).
Get quotes from at least three insurers, and ask each one for the same limits and deductibles. Direct writers, local agents and regional companies often quote very different prices for the same driver.
How to pay less
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $734 a year on the Illinois average.
- Raise your deductible; what you save each year often beats the extra cost of one claim.
- Ask for every discount by name: multi-car, good student, paying in full, bundling home and auto, safe-driving apps.
- Compare prices at every renewal; a rise in your rate doesn't mean other insurers raised theirs too.
First written