10 Best Auto Insurance Companies in Illinois for 2025 (Top IL Providers)
Erie, Geico, and State Farm are the best auto insurance companies in Illinois, offering rates as low as $29 per month. State Farm and Geico are the cheapest Illinois car insurance companies, but Erie forgives your first at-fault accident and provides the highest-rated claims service in the state.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
UPDATED: Jul 25, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jul 25, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
Company Facts
Full Coverage in Illinois
A.M. Best
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Illinois
A.M. Best
Complaint Level
Pros & Cons
The best auto insurance companies in Illinois are Erie, Geico, and State Farm. Erie takes the lead with RateLock accident forgiveness, easing the stress of a first mistake on Illinois’s busy roads.
Our Top 10 Picks: Best Auto Insurance Companies in IllinoisCompany | Rank | Claims Satisfaction | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 684 / 1,000 | A+ | Local Expertise | Erie | |
#2 | 653 / 1,000 | A++ | Safe Drivers | Geico | |
#3 | 646 / 1,000 | A++ | Agent Network | State Farm | |
#4 | 642 / 1,000 | A | Coverage Customization | Liberty Mutual | |
#5 | 634 / 1,000 | A+ | Safety Discounts | Allstate | |
#6 | 631 / 1,000 | A++ | Mutual Benefits | Auto-Owners | |
#7 | 623 / 1,000 | A | Rideshare Coverage | Farmers | |
#8 | 614 / 1,000 | A | Roadside Assistance | AAA | |
#9 | 607 / 1,000 | A | Bundle Savings | Safeco | |
#10 | 596 / 1,000 | A++ | Financial Strength | Travelers |
Geico has the cheapest car insurance for safe drivers and helps families save even more with up to 25% off when they insure multiple cars.
State Farm rounds out the top three car insurance companies in Illinois with over 500 local agents ready to guide drivers through claims and state insurance laws.
- Geico has the cheapest car insurance in Illinois at $29 monthly
- Drivers must meet Illinois car insurance liability minimums of 25/50/20
- Compare quotes online to get the best car insurance rates in Illinois
Start comparing Illinois auto insurance companies and rates, or enter your ZIP code to get free quotes from local providers today.
Comparing Auto Insurance Rates in Illinois
In Illinois, your monthly premium depends on whether you pick minimum or full coverage. These prices come down to how much risk you’re comfortable taking on and how much protection you want for your car.
Illinois Auto Insurance Monthly Rates by Coverage LevelInsurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$68 | $172 | |
$109 | $285 | |
$52 | $136 | |
$48 | $128 | |
$73 | $190 | |
$29 | $77 | |
$47 | $123 | |
$58 | $150 | |
$40 | $104 | |
$54 | $141 |
Going with minimum coverage can save you money at just $29 a month, but leaves you paying out of pocket if your car gets damaged. Full coverage costs more, yet often pays for itself after just one accident. The higher rates from companies like AAA and Allstate usually reflect better claims handling or more perks for drivers.
Mid-level plans are a smart pick if you want some peace of mind without blowing your budget. Erie auto insurance in Illinois proves you can get solid protection without spending a fortune, with full coverage at $128 per month. Just make sure to compare auto insurance companies to find the one that works best for you.
Illinois Auto Insurance Rates for Different Drivers
In addition to choosing between minimum and full coverage, your age can significantly impact your monthly premium. Just like coverage level, these factors reflect the amount of risk insurers perceive when pricing your policy.
Illinois Auto Insurance Monthly Rates by Age
Insurance Company | Age: 16 | Age: 25 | Age: 35 | Age: 45 | Age: 55 | Age: 65 |
---|---|---|---|---|---|---|
$387 | $132 | $118 | $112 | $108 | $115 | |
$422 | $144 | $126 | $109 | $102 | $107 | |
$360 | $110 | $98 | $91 | $89 | $94 | |
$330 | $102 | $89 | $84 | $81 | $86 | |
$436 | $94 | $85 | $73 | $68 | $71 | |
$154 | $44 | $36 | $29 | $28 | $29 | |
$178 | $50 | $48 | $47 | $44 | $45 | |
$390 | $122 | $108 | $99 | $93 | $98 | |
$178 | $54 | $47 | $41 | $37 | $39 | |
$221 | $58 | $51 | $54 | $50 | $54 |
At 16, rates can climb to $436 with Farmers, as teens are considered the riskiest drivers. By 25, maintaining a clean record can bring the cost down to $44 with Geico, as your habits improve.
For seniors, Erie’s stable rates and local agent support make it one of the most budget-friendly choices.
Eric Stauffer Licensed Insurance Agent
By 35, Erie and Auto-Owners drop premiums to around $85 for steady, safe drivers. At 65, costs remain reasonable if you continue to drive responsibly.
Illinois Auto Insurance Rates for High-Risk Drivers
Beyond your coverage choice, age, and gender, your driving record is another big factor in your Illinois premium. Even one mistake can make full coverage feel out of reach.
Illinois Auto Insurance Monthly Rates by Driving Record
Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
---|---|---|---|---|
$68 | $102 | $115 | $94 | |
$109 | $190 | $175 | $144 | |
$52 | $78 | $86 | $69 | |
$48 | $69 | $74 | $61 | |
$73 | $104 | $101 | $91 | |
$29 | $45 | $83 | $47 | |
$47 | $65 | $58 | $54 | |
$58 | $87 | $93 | $76 | |
$40 | $47 | $44 | $44 | |
$54 | $73 | $79 | $70 |
If you keep your record clean, you can still find rates as low as $29 a month. However, even a single accident or ticket can nearly double the cost, leaving some drivers to settle for minimum coverage just to keep it affordable. Erie and State Farm continue to offer affordable rates after speeding tickets and DUIs.
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Best Auto Insurance Discounts in Illinois
In Illinois, the top auto insurance discounts you can’t miss come from Geico, Erie, and Allstate, with multi-policy discounts that can save you up to 25%, making full coverage easier to fit into your monthly payment.
Top Auto Insurance Discounts in IllinoisInsurance Company | Anti- Theft | Claims- Free | Good Driver | Multi- Policy | New Vehicle |
---|---|---|---|---|---|
8% | 20% | 30% | 15% | 3% | |
10% | 10% | 25% | 25% | 10% | |
12% | 10% | 25% | 16% | 8% | |
15% | 10% | 23% | 25% | 12% | |
10% | 9% | 30% | 20% | 12% | |
25% | 12% | 26% | 25% | 10% | |
35% | 8% | 20% | 25% | 8% | |
20% | 5% | 20% | 15% | 12% | |
15% | 11% | 25% | 17% | 15% | |
15% | 13% | 10% | 13% | 8% |
If you drive in Chicago, Liberty Mutual’s 35% anti-theft discount is a big deal, especially since car theft claims there can hit $6,500. AAA and Farmers reward good drivers with up to 30% off, which helps if you’re adding collision coverage to your policy.
State Farm even knocks up to 15% off if you’re insuring a newer car, which makes full replacement coverage more worth it. And staying claims-free over time can save you another 13%, making it easier to keep full coverage without big rate hikes.
More Ways to Save on Illinois Insurance
Even after grabbing some can’t-miss auto insurance discounts, there are still a few smart ways to save even more on your premium here in Illinois. These easy tips can help lower what you pay each month.
- Go With a $1,000 Deductible: Raising your deductible from $500 to $1,000 can knock 15–20% off your premium with most Illinois insurers.
- Drive Less Than 7,500 Miles a Year: By keeping your mileage low, many companies offer up to 10% off for low usage.
- Keep Your Credit Above 700: In Illinois, drivers with good credit often pay about 25% less than those with poor credit.
- Drop Collision on Old Cars: If your car’s worth less than $3,000, removing collision coverage can save you a few hundred bucks a year.
- Shop Around at Renewal: Chicago rates change fast, so checking quotes every year can save you $200–$300 easily.
By combining these steps with your existing discounts, you can buy auto insurance from the best car insurance companies that’s significantly more affordable while still giving you the protection you need. Every little change adds up over time.
Getting Auto Insurance Coverage in Illinois
Having the minimum required liability auto insurance in Illinois keeps you legal, but it doesn’t always keep you fully protected. Those state-set limits can run out fast if you’re in a serious crash.
Illinois Auto Insurance Minimum Coverage Requirements
Coverage | Limits |
---|---|
Bodily Injury Liability | $25,000 per person / $50,000 per accident |
Property Damage Liability | $20,000 per accident |
Uninsured Motorist (UM) | $25,000 per person / $50,000 per accident |
A single accident in a busy city like Chicago can easily go over the $20,000 property damage minimum, leaving you stuck with the rest of the bill.
Unlike other states, many drivers in Illinois lack sufficient insurance, so the law requires uninsured motorist (UM) coverage to step in if none is available. Underinsured motorist (UIM) coverage helps if their coverage falls short.
Illinois Auto Insurance Coverage Options
When you’re shopping for auto insurance in Illinois, it helps to know what each type of coverage does — and why you might need it. You can also tack on a few handy extras. For instance, gap insurance might be required if you still owe on an auto loan or lease.
List of Common Auto Insurance Coverages in Illinois
Coverage Type | Description |
---|---|
Bodily Injury Liability | Covers injuries to others if you're at fault |
Property Damage Liability | Covers damage to others' property if you're at fault |
Uninsured Motorist (UM) | Covers your injuries from an uninsured driver |
Underinsured Motorist (UIM) | Covers injuries when other driver lacks enough coverage |
Collision | Covers your car after a crash with another vehicle/object |
Comprehensive | Covers theft, weather, vandalism, and animal damage |
Medical Payments (MedPay) | Covers medical costs for you and passengers |
Rental Reimbursement | Pays for a rental while your car is repaired |
Towing & Labor (Roadside) | Covers emergency roadside help like towing or lockouts |
Gap Insurance | Pays difference if car is totaled and loan exceeds value |
MedPay isn’t required by Illinois car insurance laws, but it can help with hospital bills for you and your passengers, no matter who’s at fault. Rental reimbursement picks up the tab for a rental car while yours is getting fixed, and towing and labor roadside assistance packages can help you out if your car breaks down.
AAA and Liberty Mutual are the best companies for Illinois drivers who want to customize coverage with roadside assistance and other additional coverages.
How Location Impacts Illinois Auto Insurance
Illinois car insurance companies assess factors such as weather, traffic, and theft to determine monthly premiums. Winter storms and occasional flooding earn Illinois a B, which nudges premiums higher but doesn’t outweigh the value of full coverage.
Illinois Report Card: Auto Insurance Premiums
Category | Grade | Explanation |
---|---|---|
Weather-Related Risks | B | Occasional snow and flooding increase risk |
Traffic Density | B+ | Congestion in Chicago raises accident likelihood |
Vehicle Theft Rate | C+ | Theft rates are higher in urban areas |
Average Claim Size | B- | Slightly above average due to urban collisions |
Where you live in Illinois can significantly impact your premium and whether full coverage is worth it. Cities with heavy traffic, like Chicago, have higher accident and claim rates, which means city drivers are more likely to benefit from added protection. Higher theft rates in urban areas pull the grade down to a C+, leaving even cautious drivers paying more for insurance.
Illinois Annual Traffic Accidents & Claims by Major City
City | Annual Accidents | Annual Claims |
---|---|---|
Aurora | 6,200 | 3,800 |
Chicago | 42,000 | 25,000 |
Elgin | 3,500 | 2,200 |
Joliet | 4,800 | 3,000 |
Naperville | 4,200 | 2,600 |
Peoria | 3,900 | 2,400 |
Rockford | 5,700 | 3,500 |
Springfield | 4,300 | 2,800 |
Waukegan | 3,200 | 2,000 |
Champaign | 2,900 | 1,800 |
Chicago alone sees over 42,000 accidents and 25,000 claims every year, which is why drivers there usually pay more and benefit from comprehensive auto insurance. Rockford, Joliet, and Springfield also have thousands of claims annually, which keeps rates higher even outside of Chicago.
Urban drivers in Illinois should strongly consider comprehensive coverage, since higher theft and accident rates make minimum policies risky.
Melanie Musson Published Insurance Expert
Even in smaller cities like Champaign and Waukegan, steady accident numbers indicate that no driver is entirely exempt from risk.
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Top-Rated Auto Insurance Companies in Illinois
Erie, Geico, and State Farm are some of the best auto insurance companies in Illinois. Erie may not be one of the biggest providers, but it provides superior customer service and competitive rates with accident forgiveness.
State Farm grabs the biggest share in Illinois at 32% since people like having local agents and reliable claims help. Geico sits at around 6%, making it a favorite for drivers looking to save with lower premiums.
It’s worth comparing multiple auto insurance quotes online because rates, discounts, and even customer service can vary more than you’d expect. Illinois drivers will also find benefits like new car replacement, SR-22 support, and roadside towing up to 200 miles. Use our free quote tool to find the perfect fit for your needs.
#1 – Erie: Best for Local Expertise
Pros
- Rate Lock Coverage: Erie keeps Illinois drivers’ premiums stable at $29 monthly, even after filing claims. See our Erie insurance review for details on RateLock.
- First Accident Forgiveness: Illinois drivers avoid a surcharge after their first at-fault crash through this add-on.
- High Financial Stability: Erie’s A+ rating from A.M. Best ensures auto insurance claims in Illinois are paid reliably and on time.
Cons
- No Online Claims Portal: Illinois customers must call agents to file or track claims.
- Rural Service Limits: Erie excludes several Illinois counties, restricting access to RateLock accident forgiveness.
#2 – Geico: Best for Safe Drivers
Pros
- Defensive Driver Program: Illinois drivers who complete this course are eligible for a 10% discount on their auto insurance premiums.
- Multi-Vehicle Discount: Illinois families save up to 25% when covering two or more vehicles. Discover everything you need to know about Geico and how it saves you money.
- Cheap Monthly Premiums: Drivers with clean records pay as little as $29 per month for Geico car insurance in Illinois.
Cons
- Lack of Agent Support: Illinois drivers often rely solely on Geico’s website and call center for service.
- SR-22 Coverage Surcharge: Illinois high-risk drivers who need SR-22 coverage pay significantly more than with other companies.
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#3 – State Farm: Best for Agent Network
Pros
- Excellent Local Support: State Farm’s agent network ensures Illinois claims are paid promptly and thoroughly. Read our State Farm auto insurance review for details.
- Drive Safe & Save: Illinois customers save up to 30% by enrolling in telematics tracking.
- Good Student Discount: Illinois teens and college students save up to 15% with a B average or higher.
Cons
- Premiums for Young Drivers: Even after applying discounts, Illinois drivers under 25 pay more than with other IL car insurance companies.
- App Limitations: The Drive Safe & Save app can accidentally track driving behaviors while you are the passenger.
#4 – Liberty Mutual: Best for Coverage Customization
Pros
- Multiple Policy Add-Ons: IL drivers can customize coverage for custom parts, rideshare drivers, luxury vehicles, and more.
- Better Car Replacement: Illinois drivers receive a replacement car one model year newer if their vehicle is totaled.
- RightTrack Program: Illinois drivers can save up to 30% by demonstrating safe driving habits through this app.
Cons
- Limited Low-Mileage Discount: Liberty Mutual does not offer a low-mileage discount to Illinois drivers.
- Delayed Complex Claims: Illinois multi-vehicle or injury claims may take weeks to process. Read our Liberty Mutual auto insurance review to learn more.
#5 – Allstate: Best for Safety Discounts
Pros
- Safe Driver Discounts: Safe drivers who avoid traffic citations and claims can save up to 25% on annual rates. Find more discounts in our Allstate auto insurance review.
- Drivewise Telematics: Illinois drivers save up to 40% by tracking habits through the Allstate Drivewise app, with an automatic 10% discount just for signing up.
- New Car Replacement Coverage: Illinois drivers with vehicles under two years old receive full replacement cost after a total loss.
Cons
- Limited SR-22 Support: Illinois drivers needing SR-22 filings face higher premiums and fewer policy options than with other companies.
- Rural Agent Shortage: Smaller Illinois communities have limited access to Allstate agents for claims help.
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#6 – Auto-Owners: Best for Mutual Benefits
Pros
- Annual Dividends: As a mutual company, Auto-Owners pays Illinois policyholders dividends on their policies every year, which can be applied to premiums.
- Paid-in-Full Discount: Illinois customers save up to 10% by paying their annual premium upfront.
- High Financial Stability: Auto-Owners’ A++ rating from A.M. Best ensures Illinois policyholders receive secure claims payments.
Cons
- No Online Quotes: Illinois customers must contact local agents directly for pricing information.
- Coverage Area Restrictions: Auto-Owners only operates in select Illinois counties, excluding some ZIP codes. Find coverage near you in our Auto-Owners auto insurance review.
#7 – Farmers: Best for Rideshare Coverage
Pros
- Rideshare Endorsement: Illinois Uber and Lyft drivers are covered while with a customer and between fares.
- Signal App Discount: Illinois drivers save up to 15% for safe driving behavior tracked through the app. Discover everything you need to know about Farmers and Signal app discounts.
- High Financial Stability: Farmers’ A rating from A.M. Best ensures Illinois drivers’ claims are reliably funded.
Cons
- Steep High-Risk Rates: Illinois drivers with major violations pay significantly more despite discounts.
- Limited App Capabilities: The Farmers’ app lacks advanced features for Illinois claims tracking.
#8 – AAA: Best for Roadside Assistance
Pros
- Premier Membership Towing: Illinois members get up to 200 miles of free towing per claim. Check our AAA auto insurance review to see roadside assistance benefits.
- Anti-Theft Device Discount: Illinois drivers with approved theft prevention save on premiums.
- High Financial Stability: AAA’s A rating from A.M. Best ensures Illinois claims are honored consistently.
Cons
- Membership Fees: Illinois drivers must pay annual membership dues in addition to monthly premiums to receive roadside benefits.
- Slow Claims Service: Illinois customers report longer resolution times for multi-car accident claims.
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#9 – Safeco: Best for Bundle Savings
Pros
- Home and Auto Bundle: Illinois drivers save up to 15% by combining policies under one account.
- RightTrack Discount: Illinois drivers save up to 30% by enrolling in telematics monitoring. Discover the Safeco auto insurance review for flexible payment options.
- High Financial Stability: Safeco’s A rating from A.M. Best ensures Illinois customers’ claims are fully supported.
Cons
- Limited Direct Agents: Illinois drivers often rely on brokers rather than direct Safeco representatives.
- Lower Claims Satisfaction: Illinois customers rate Safeco below peers on settlement speed and accuracy.
#10 – Travelers: Best for Financial Strength
Pros
- High Financial Stability: Travelers’ A++ rating from A.M. Best ensures Illinois claims are paid without issue.
- IntelliDrive Telematics: Illinois drivers earn up to 20% savings based on monitored driving habits.
- Accident Forgiveness Option: Illinois drivers can purchase this add-on to avoid first-accident rate hikes.
Cons
- Higher Starting Rates: Even with discounts, Illinois auto insurance premiums with Travelers are more expensive than Geico or State Farm. Compare quotes in our Travelers auto insurance review.
- Agent Network Limits: Travelers maintains fewer in-person offices across Illinois compared to larger carriers.
Frequently Asked Questions
What are the top car insurance companies in Illinois for claims?
Erie offers fast payouts and superior customer service, State Farm has an A++ rating for reliable claims, and Geico makes filing easy with its online claims system. Which insurance provider offers the best claim settlement ratio in Illinois? State Farm has one of Illinois’ best settlement ratios, paying claims quickly and fairly.
Who are the best home and auto insurance companies in Illinois?
State Farm gives up to 17% off for bundling, Erie keeps costs steady with locked rates, and Allstate adds perks like new car replacement when you bundle.
What is the most affordable car insurance in Illinois?
What is the cheapest car insurance in Illinois? Geico is the most affordable in Illinois, offering minimum coverage starting at $29 a month, especially for good drivers and those looking for auto insurance for multiple vehicles in the same household.
What is the highest-rated auto insurance in Illinois?
State Farm is the highest-rated auto insurance in Illinois, backed by an A++ A.M. Best rating and strong claims satisfaction scores, especially for accident forgiveness and fast payouts.
Which insurance company in Illinois has the highest customer satisfaction?
Erie leads in customer satisfaction, thanks to its rate lock feature that keeps premiums steady even after claims and responsive local agents.
Is Liberty Mutual a good insurance company in Illinois?
Liberty Mutual is a good choice for drivers who want the highest anti-theft auto insurance discount in Illinois, up to 35%, and custom add-ons, though its base rates are higher than those of competitors.
How much should I be paying for car insurance in Illinois?
Most Illinois drivers pay about $105 per month for full coverage; you can lower it to around $29 with minimum coverage, clean records, and discounts.
Is State Farm a good insurance company in Illinois?
Yes, State Farm excels in Illinois for its large agent network, telematics savings up to 30%, and dependable claims service backed by strong financial stability.
Which auto insurance company denies the most claims in Illinois?
Safeco sees more complaints in Illinois about delays or denials when drivers file an auto insurance claim, especially for larger accident payouts compared to its peers.
Which Illinois insurance company has the fewest complaints?
Erie consistently has the fewest complaints, particularly for claim approvals, billing transparency, and keeping premiums stable after accidents. Which car insurance company has the most complaints in Illinois? Safeco has the most complaints, with drivers citing delays and disputes over claim payouts more often than others.
Who is better in Illinois, State Farm or Allstate?
State Farm is better for lower premiums and agent access, while Allstate shines for perks like new car replacement and roadside assistance options.
Who is cheaper in Illinois, Geico or Liberty Mutual?
Geico is much cheaper than Liberty Mutual in Illinois, with lower base rates and more competitive multi-policy and safe driver discounts.
What is the best auto insurance for seniors in Illinois?
Erie is best for seniors, offering cheap auto insurance for seniors with its rate lock that prevents premium hikes as you age and personalized support through local agents.
How do I get the best deal for car insurance in Illinois?
Enter your ZIP code online to compare quotes from multiple insurers, raise your deductible, drive fewer than 7,500 miles yearly, and bundle policies to unlock big discounts.
Why is Progressive so expensive in Illinois?
Progressive charges higher rates in Illinois for drivers with poor credit, high claims history, or urban ZIP codes where risks are higher.
What color car is the cheapest to insure in Illinois?
Car color does not impact insurance rates in Illinois; instead, premiums depend on vehicle type, driver history, and coverage choices, so focus on proven hacks to save money on car insurance instead.
Enter your zip code below to view companies that have cheap insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.