Good news for Illinois drivers: Jerry’s latest data shows that liability coverage in the Prairie State averages about $290 a month. In the last year, we’ve helped 12,976 Illinoisans find more affordable insurance, and drivers who switch with Jerry save an average of $-197 annually without losing the coverage they rely on.
Jerry compares quotes from up to 11 trusted insurers in Illinois to build your policy and help you secure your best rate in minutes.
Save on Illinois insurance with Jerry.
What Illinois drivers are paying right now
Car insurance prices in Illinois shift often. Severe storms, rising repair costs and regional crash patterns all influence what you pay. Two drivers with similar profiles can still see very different premiums depending on whether they live in Chicago’s dense traffic, the suburbs along I-88 or quieter counties where deer collisions are more common than fender-benders.
Jerry tracks live quotes across Illinois to show you what drivers are actually paying today.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rates regularly. In Illinois, everything from winter conditions to modest shifts in your own driving history can change what you’ll pay at renewal.
4 easy ways to save on Illinois car insurance
If you want to bring your Illinois insurance costs down, you’re not alone. But the lowest sticker price isn’t always the smartest move. The real advantage comes from knowing what shapes your rate and which levers you can pull without weakening your coverage.
Jerry makes that easy by comparing real offers, surfacing discounts you may not know about and showing you exactly where you can save.
| How to save | Average Illinois driver savings |
|---|---|
| Compare quotes | 33% to 53% |
| Stack discounts | 21% to 40% |
| Pick the right deductible | 13% to 71%* |
| Avoid coverage lapses | 24% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare quotes from multiple insurers
Every insurer weighs risk differently, and Illinois has no shortage of variables, between harsh winters that cause spike-and-melt potholes, the state’s high rate of deer collisions, urban congestion and steady repair inflation. Those factors can swing prices by hundreds of dollars for the exact same policy.
Comparing rates side by side with Jerry is the fastest way to know whether you’re truly getting a competitive price.
Here’s where Illinois drivers who saved the most often switched last year after comparing rates with Jerry:
| Insurance carrier | Illinois drivers who switched | Average Jerry savings |
|---|---|---|
| Assurance America | 46% | 28% |
| National General Value Program | 16% | 36% |
| Progressive | 10% | 34% |
| National General | 4% | 46% |
| Bluefire Ignite | 4% | 19% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location matters in Illinois. Drivers near Chicago often face higher collision and theft rates, while those in central and southern counties deal with more wildlife strikes. Jerry shows you these differences instantly so you can choose coverage that fits your budget and your actual risk.
Tip 2: Combine discounts for a cheaper rate
Most Illinois drivers qualify for at least a few discounts like safe-driver savings, bundling, good-student incentives, paperless billing and more. But insurers don’t always apply these automatically.
Jerry identifies every discount you’re eligible for so savings don’t get left behind.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Pick the right deductible
Raising your deductible can lower your premium, but only if it’s a number you could comfortably pay out of pocket after filing a claim. Illinois drivers face everything from icy roads to hail and heavy spring storms, so choosing a realistic deductible matters.
Here’s a look at the deductibles Jerry drivers choose:
To find the right deductible for your policy:
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Review your car’s value (Jerry updates this monthly).
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Choose an amount you can afford out-of-pocket.
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Compare how each deductible level affects your rate in real time.
The Jerry difference: Jerry shows multiple deductible options instantly so you can pick the balance of cost and protection that fits you best.
Tip 4: Pick a policy you can afford to maintain
A lapse in coverage can make your next policy far more expensive. Jerry drivers in Illinois see premiums jump an average of 24% after even a short break in insurance. The most effective way to avoid that spike is choosing coverage you can reliably afford every month.
Jerry helps you compare coverage levels in real time so you can find a policy that protects you and stays firmly within budget. Whether you want minimum liability or a preferred package with extras, Jerry shows your true cost upfront so you don’t risk a lapse you didn’t plan for.
Get personalized car insurance rates now.
How to lower costs without compromising on protection
The right mix of coverage protects you from Illinois’s unique risks, like icy roads, high repair bills and a notable uninsured-driver rate.
Minimum
$59 – $117/mo
Meets Illinois’s 25/50/15 liability requirements, but does not cover damage to your own car.
Full
$118 – $256/mo
Adds collision and comprehensive, often required for financed or leased vehicles.
Standard
$139 – $314/mo
Includes UM/UIM and medical payments, especially valuable since over 15% of Illinois drivers are uninsured.
Preferred
$160 – $323/mo
Raises liability limits, lowers deductibles and adds extras like rental reimbursement or towing.
Key takeaway: Start with your comfort around risk and the value of your car. Jerry shows real-time pricing for each coverage level so you can choose confidently.
The cheapest policy in Illinois is liability-only, but a few key add-ons can make a big difference. Here’s a quick look at what each type of coverage offers.
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Coverage definitions
Illinois insurance factors at a glance
What you pay in Illinois is shaped by the realities of driving here: harsh winters, unpredictable storm seasons and busy commuter corridors. Here’s what matters most and how it affects pricing.
Winter hazards
Snow, ice and rapid freeze-thaw cycles lead to more crashes and vehicle damage, so comprehensive coverage is a smart move.
Deer collisions
Illinois consistently ranks high for wildlife-related claims, especially in fall. (This also falls under comprehensive.)
Urban congestion
Chicago-area corridors see some of the state’s highest collision frequencies.
Uninsured drivers
Nearly 1 in every 6 Illinois drivers is uninsured, so adding UM/UIM can be valuable.
Illinois Insurance After a Ticket, Accident or SR-22
Mistakes happen, but they don’t have to lock you into inflated rates forever. Jerry works with insurers that take a balanced approach to violations, then automatically re-shops your policy as your record improves.
If you got a ticket
A speeding ticket in Illinois adds three points to your record. Rack up eight points in a year and you may face a suspension. Even a single ticket can raise your rate 15% to 30%, and the impact can last up to three years.
A defensive driving course can often reduce points or lower your premium. Once your violation clears, Jerry automatically searches for better prices so you’re not stuck paying more than you should.
Here are the average rate increases we’ve seen for Illinois drivers after a ticket:
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Speeding under 15: 5%
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Speeding over 15: 10%
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Failure to obey traffic sign: 7%
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Reckless driving: 61%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
An at-fault crash raises premiums for Illinois drivers by an average of 12%, and higher rates typically last three to five years. Jerry helps you secure the best available price immediately and re-shops your policy once the accident falls off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $440 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in Illinois can raise your insurance rate by about 11% and trigger several years of higher premiums. Still, some insurers provide fairer pricing for high-risk drivers.
Jerry identifies those carriers and automatically re-shops your policy as your record recovers.
Here are the five cheapest insurance companies in Illinois for drivers with DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $149 | Yes | |
| $158 | Yes | |
| $210 | Yes | |
| $219 | Yes | |
| $252 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Illinois
Illinois may require an SR-22 after certain violations, coverage lapses or uninsured accidents. Select the SR-22 option in the Jerry app and you’ll see only insurers that handle the filing. Many carriers charge around $25 a year for SR-22 processing.
Car Insurance with Bad Credit
Illinois allows insurers to use credit-based insurance scores, but they can’t deny you coverage based on credit alone. Even so, continuous coverage and regular quote checks can offset the impact.
Jerry shows your best options instantly so you don’t overpay.
Average rates in Illinois by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Illinois weather, long rural stretches and crowded metro roads mean there’s no single cheapest policy. The right coverage is the one that matches how and where you actually drive. Jerry makes it easy to build a policy tailored to real life in Illinois and stay protected year-round.
Get Illinois coverage in as little as 2 minutes
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
