Jerry SummaryErie offers the best car insurance in Illinois, according to Jerry’s editorial analysis, thanks to its strong financial strength rating and minimal customer complaints. Geico comes in second place, while Westfield Insurance earns an honorable mention due to its high customer satisfaction. You can get the best car insurance in Illinois by comparing quotes from multiple insurance companies.
Jerry’s editorial team thoroughly evaluated 29 auto insurance companies to find the best car insurance in Illinois. Jerry’s star ratings are based on factors like financial strength ratings, complaints to state regulators and customer satisfaction.
These are the best car insurance companies in Illinois:
- Erie: Best car insurance overall.
- Geico: Runner-up.
- Westfield Insurance: Honorable mention.
If you need cheap car insurance in Illinois, be sure to compare quotes from multiple insurers to get the best rate.
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Why you can trust Jerry’s editorial content
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
Mercury offers the best full coverage car insurance rates in Ilinois, according to Jerry’s data analysis, with an average cost of $147 per month.
Here are more companies that offer some of the best full coverage car insurance rates.
Insurance Company
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Avg Monthly Quote
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---|---|
Mercury | $135 |
Geico | $169 |
Safeco | $172 |
Progressive | $176 |
Gainsco | $185 |
The right full coverage car insurance should match your unique needs and driving habits. Think about how often you’re on the road, the kind of vehicle you drive and whether you’d benefit from extras like roadside assistance or rental reimbursement if your car is in the shop for covered repairs. By focusing on what fits your lifestyle, you can choose a policy that provides the right amount of financial protection without paying for optional coverages you don’t need.
Best car insurance for teen drivers in Illinois
Root offers the best car insurance rates for teen drivers inIllinois, according to Jerry’s data analysis, with an average cost of $260 per month.
Here are more companies that offer some of the best car insurance rates for teens.
Insurance Company
|
Avg Monthly Quote
|
---|---|
The General | $259 |
ROOT | $260 |
Progressive | $273 |
Safeco | $289 |
Geico | $289 |
Car insurance companies that recognize and reward positive behaviors are often the best choice for teen drivers. Many insurers provide discounts for students with good grades, finish driver education programs or allow their driving behavior to be tracked through telematics programs. Selecting a policy that promotes responsible habits not only helps protect teens on the road but can also make coverage more affordable in the long run.
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Illinois
Aspire Advantage offers the best car insurance rates for young drivers in Illinois, according to Jerry’s data analysis, with an average cost of $163 per month.
Here are more companies that offer some of the best car insurance rates for young drivers under 25.
Insurance Company
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Avg Monthly Quote
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---|---|
Commonwealth Insurance | $162 |
Safeco | $178 |
Geico | $185 |
Gainsco | $214 |
Progressive | $216 |
For drivers under 25, the best car insurance policies are often those that recognize and reward responsible driving habits, since young drivers are viewed as risky to insure. Insurers frequently offer discounts to young drivers who keep a clean driving record, complete approved driving courses or opt into telematics programs that track driving behavior. Choosing a policy that incentivizes good habits can help young drivers stay safe on the road and may lead to lower premiums over time.
Learn more: Car insurance for college students
Best car insurance for seniors in Illinois
Mercury offers the best car insurance rates for drivers over 65 in Illinois, with an average cost of $99 per month, according to Jerry’s data analysis.
Here are more companies that offer some of the best car insurance rates for drivers over 65.
Insurance Company
|
Avg Monthly Quote
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---|---|
Mercury | $93 |
Geico | $104 |
Progressive | $113 |
National General | $113 |
Gainsco | $116 |
For drivers over 65, the best car insurance is one that matches their lifestyle. Seniors who spend less time on the road may benefit from pay-per-mile insurance, which bases premiums on how much you actually drive and can be more cost-effective for low-mileage drivers. Additionally, completing a defensive driving course can help improve skills behind the wheel and may result in a discount.
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.
FAQs
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What is the best car insurance in Illinois?
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Who has the best car insurance rates in Illinois?
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How do I find the best car insurance in Illinois?
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.