Jerry’s editorial analyses found that Erie offers the best car insurance in Illinois. Here’s a rundown of why it’s the top pick, plus other well-rated insurers available in the state.
If you need cheap car insurance in Illinois, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Illinois overall: Erie
Why it’s the best: Erie is the best car insurance company in Illinois because of its 4.9 Jerry star rating, superior financial strength rating and few customer complaints. Erie also ranks No. 1 out of 19 insurers for overall customer satisfaction in the North Central region, according to J.D. Power’s 2024 U.S. Auto Insurance Study, which ranks insurance companies based on factors like cost and consumer trust.
Erie’s auto policies may automatically include accident forgiveness for your first at-fault accident if you’ve been insured with Erie for three claim-free years, locksmith services, a waived deductible for glass repair, up to $350 of personal items coverage and coverage for vet bills if your pet is injured in an accident in your car.
You can customize a policy with roadside assistance and rental car coverage, or upgrade to Erie’s Auto Plus package, which includes a diminishing deductible and $10,000 death benefit.
Illinois drivers can get discounts by insuring multiple cars, bundling policies, storing a vehicle for 90 days or more or only using their vehicle for farm purposes.
Runner-up: Geico
Why it’s the best: Geico is Jerry’s top-rated due to its superior financial strength rating and few customer complaints. Geico is our choice for runner-up because it ranks below average in J.D. Power’s 2024 U.S. Auto Insurance North Central Study.
Illinois drivers may get discounts for insuring multiple vehicles, bundling policies, paying in full, being in the military or enrolling in Geico’s telematics program, DriveEasy, and practicing safe driving habits. Drivers 50 and over may save up to 5% for taking an approved defensive driving course. Full-time students who maintain a B average or higher can also get a discount.
Geico’s phone app lets customers access digital insurance cards, request roadside assistance, manage their policy and upload photos of their damaged vehicle to get repair estimates.
More of the best Illinois insurers
Here are more top-rated insurers in Illinois.
Honorable mention: Westfield Insurance
While not yet rated by Jerry, Westfield Insurance was ranked No. 3 out of 14 insurers for overall customer satisfaction in the North Central region, according to J.D. Power’s 2024 Auto Insurance Study.
Westfield rewards long-time, loyal customers with a discount. Savings are also available for requesting a quote before the date your coverage starts and signing up for the MissionSafe telematics program and driving safely.
Best full coverage car insurance in Illinois
The following companies offer some of the best full coverage car insurance rates in Illinois.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Commonwealth Insurance | $147 |
| Progressive | $193 |
| Safeco | $251 |
| Mendota | $254 |
| Mercury | $271 |
Best car insurance for teen drivers in Illinois
The following companies offer some of the best car insurance rates for teen drivers in Illinois.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $287 |
| Electric | $293 |
| Gainsco | $296 |
| The General | $337 |
| Dairyland | $370 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Illinois
Here is the best car insurance for drivers under 25 in Illinois based on quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $200 |
| Bluefire | $207 |
| Gainsco | $256 |
| Aspire Advantage | $259 |
| Safeco | $324 |
Learn more: Car insurance for college students
Best car insurance for seniors in Illinois
Below are the best options for drivers over 65 in Illinois, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Mendota | $95 |
| Progressive | $130 |
| Gainsco | $166 |
| The General | $192 |
| Bristol West | $208 |
Learn more: Car insurance for seniors
How to get the best car insurance in Illinois
Follow these tips to find the best car insurance in Illinois:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
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.
