Cheapest Car Insurance in Illinois for July 2025

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Cheapest Car Insurance in Illinois for July 2025

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Key Takeaways
  • Illinois requires a minimum liability coverage of $25,000/$50,000/$20,000 and $25,000/$50,000 UM coverage.
  • In Illinois, the youngest drivers (18-24) pay a lot more than the oldest drivers (65+).
  • Shopping around with a few insurers will get you the best rate.

Finding cheap, quality car insurance in Illinois is no easy feat. Drivers in the Prairie State pay an average of $129.31 per year for minimum coverage costs, according to an analysis from Jerry — and yes, rates continue to climb.

The best way to get the lowest possible rates is to shop around for car insurance quotes from multiple insurers. Other factors that contribute to paying less for your premiums include maintaining a good credit score, a safe driving record, and bundling your home and auto insurance to get a discount.

To find the best car insurance in Illinois, compare car insurance quotes from multiple insurers.

Compare cheap car insurance quotes in Illinois.

What you need to know about minimum liability in Illinois

In order to remain compliant while driving, it’s a good rule of thumb to know what the state’s minimum requirements are for your car insurance. Illinois law mandates that all vehicles registered and/or used for driving purposes must have a minimum liability coverage of $25,000/$50,000/$20,000. 

In Illinois, minimum liability coverage includes uninsured motorist (UM) as part of the policy, with $25,000/$50,000 limits. UM helps cover you in the event of a hit and run, within the coverage’s limits, and also helps pay for your injuries if you get hurt in a crash caused by an uninsured driver. 

Let’s break down the numbers on a minimum liability policy in Illinois:

  • $25,000 for injury or death of one person in a crash.
  • $50,000 for injury or death of more than one person in a crash.
  • $20,000 for damage to property of another person.
  • $25,000 in uninsured motorist coverage per person.
  • $50,000 in uninsured motorist coverage per accident.

In short, if you are responsible for causing a car accident, minimum liability helps pay for the other person’s injuries and property damage within your policy’s limit. 

Minimum liability may not be adequate to financially protect you and your assets. Once you reach your policy’s limits, you may face additional costs for repairs, injuries or a lawsuit.

Here are the cheapest car insurance rates for different demographics and driving records in Illinois, which is generated by real Jerry customers who received a quote with us from a wide range of insurance providers.

Cheapest minimum coverage insurance in Illinois

Drivers in Illinois have a variety of insurers who can provide them with state minimum coverage. Check out the best car insurance quotes from various insurance companies:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspen $60 $718
Commonwealth Insurance $68 $816
Trexis $96 $1,158
Mendota $99 $1,191
Progressive $107 $1,289
Mercury $116 $1,392
Safeco $117 $1,408
Electric $120 $1,438
Gainsco $123 $1,476
National General $126 $1,511
Last Updated Jun 26, 2025

If you have a loan or lease on 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.

Cheapest full coverage insurance in Illinois

Full coverage tends to be more expensive in Illinois, but you might want to get it for peace of mind or if you are required to get it because you financed, leased or have a lien on your vehicle.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Commonwealth Insurance $147 $1,769
Trexis $155 $1,856
Anchor General $183 $2,200
Progressive $193 $2,318
Safeco $251 $3,007
Mercury $269 $3,226
Gainsco $273 $3,274
Clearcover $278 $3,332
The General $337 $4,039
National General $339 $4,066
Last Updated Jun 30, 2025

Cheapest car insurance for young drivers in Illinois

Young drivers in Illinois pay the highest rates — potentially multiple times what a senior driver in Illinois would:

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $372 $4,465
21-24 $265 $3,174
Last Updated Jun 30, 2025

Cheapest liability-only policy in Illinois for a 20 year old

To get the best insurance rate, young Illinois drivers should shop around. As you can see from this table of the average cost of car insurance, there’s a noticeable difference in price from insurer to insurer.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Electric 20 $189 $2,263
Progressive 20 $192 $2,300
National General 20 $224 $2,683
Gainsco 20 $246 $2,951
The General 20 $259 $3,111
Last Updated Jul 2, 2025

Cheapest full coverage policy in Illinois for a 20 year old

If you need to get full coverage as a young driver in Illinois, unfortunately, you’ll have to be ready to fork a decent amount more than the liability only amounts:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 20 $318 $3,814
Dairyland 20 $387 $4,642
Root 20 $561 $6,735
The General 20 $635 $7,624
Electric 20 $839 $10,070
Gainsco 20 $866 $10,394
National General 20 $906 $10,874
Bristol West 20 $930 $11,157
Mendota 20 $1,151 $13,808
Last Updated Jun 26, 2025

Average car insurance for mature drivers in Illinois (25-54 years old)

Luckily, as drivers get into their adulthood, prices for auto insurance follow a downward trend:

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $227 $2,719
35-44 $207 $2,482
45-54 $201 $2,412
Last Updated Jun 30, 2025

Cheapest liability-only policy in Illinois for a 36 year old

The average Jerry customer is 36 years old. Here are the rates for a liability-only policy in Illinois for a 36 year old:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Safeco 36 $76 $912
Electric 36 $81 $971
Assurance America 36 $84 $1,010
Trexis 36 $87 $1,044
Progressive 36 $88 $1,058
Last Updated Jul 1, 2025

Cheapest full coverage policy in Illinois for a 36 year old

Here are the cheapest rates for a 36-year-old Illinois for full coverage from various Jerry partners:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 36 $178 $2,136
Mercury 36 $202 $2,429
Safeco 36 $211 $2,538
Gainsco 36 $229 $2,744
The General 36 $268 $3,212
National General 36 $295 $3,536
Bristol West 36 $304 $3,644
Electric 36 $315 $3,782
Root 36 $338 $4,060
Dairyland 36 $355 $4,257
Last Updated Jul 1, 2025

Average car insurance for older drivers (55+ years old)

Illinois drivers aged between 55-64 pay the lowest rates among all other age groups. The trend of decreasing prices starts increasing as you enter the over-65 age group.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $175 $2,096
65+ $191 $2,287
Last Updated Jun 29, 2025

Cheapest liability-only policy in Illinois for a 65 year old

Here are the rates for a liability-only policy in Illinois for a 65 year old.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Mercury 65 $53 $634
Progressive 65 $67 $801
Gainsco 65 $71 $850
Electric 65 $74 $891
The General 65 $76 $916
Last Updated Jun 26, 2025

Cheapest full coverage policy in Illinois for a 65 year old

Here are the cheapest rates for a 65-year-old in Illinois for full coverage from Jerry customer quotes:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 65 $128 $1,530
Gainsco 65 $133 $1,601
Electric 65 $198 $2,382
Bristol West 65 $206 $2,473
National General 65 $212 $2,545
Mercury 65 $213 $2,556
The General 65 $307 $3,687
Safeco 65 $612 $7,346
Last Updated Jun 26, 2025

Average car insurance for drivers with clean records in Illinois

Drivers with a clean record generally get the best prices for their auto insurance. Here’s our data for drivers in Illinois:

Avg Monthly Quote
Avg Annual Quote
$190 $2,285
Last Updated Jun 26, 2025
Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $66 $792
Mendota $99 $1,191
Trexis $107 $1,281
Progressive $142 $1,703
Gainsco $155 $1,865
Embark General $167 $2,002
Clearcover $184 $2,213
Anchor General $185 $2,219
Mercury $198 $2,373
Safeco $207 $2,487
Last Updated Jun 26, 2025

Average car insurance for drivers with low credit scores in Illinois

In Illinois, our data shows that people with the highest credit score get the best auto insurance rates:

Credit Score
Avg Monthly Quote
Avg Annual Quote
550-659 $235 $2,817
660-750 $218 $2,615
<550 $225 $2,703
750+ $170 $2,034
Last Updated Jun 26, 2025

If you have a low credit score (less than 550), these companies who serve Illinois could give you the lowest premium:

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
Aspen <550 $60 $718
Mendota <550 $95 $1,136
Commonwealth Insurance <550 $98 $1,178
Trexis <550 $134 $1,609
Progressive <550 $162 $1,941
Last Updated Jun 30, 2025

Cheapest car insurance for drivers with at-fault accidents in Illinois

An accident will cause your rates to rise, whether you’re at fault or not:

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
At Fault With Injury $302 $3,628
At Fault With No Injury $269 $3,234
Not At Fault $259 $3,108
Last Updated Jul 2, 2025

Cheapest car insurance for drivers with at-fault accidents with no injury in Illinois

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Trexis At Fault With No Injury $113 $1,361
Anchor General At Fault With No Injury $154 $1,844
Progressive At Fault With No Injury $181 $2,174
Gainsco At Fault With No Injury $211 $2,536
Assurance America At Fault With No Injury $212 $2,541
Last Updated Jul 2, 2025

Cheapest car insurance for drivers with at-fault accidents with injury in Illinois

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Safeco At Fault With Injury $128 $1,537
Progressive At Fault With Injury $169 $2,025
Gainsco At Fault With Injury $238 $2,854
National General At Fault With Injury $240 $2,881
Aspire Advantage At Fault With Injury $259 $3,104
Last Updated Jun 30, 2025

Cheapest car insurance for drivers with a speeding ticket in Illinois

The long, straight highways in Illinois might cause you to speed inadvertently, but beware as getting a speeding ticket or other citation can cause your insurance rates to increase. The more you speed, the more likely you will get a larger increase in your auto insurance premiums:

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Speeding under 15 $208 $2,495
Speeding over 15 $252 $3,023
Last Updated Jul 2, 2025

Here’s the cheapest insurance companies if you have a speeding ticket in Illinois.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspen $60 $718
Commonwealth Insurance $108 $1,292
Bluefire $137 $1,645
Progressive $165 $1,979
Gainsco $208 $2,494
Mercury $248 $2,978
National General $256 $3,072
Clearcover $264 $3,168
The General $265 $3,180
Electric $277 $3,324
Last Updated Jul 1, 2025

Cheapest car insurance for drivers with a DUI in Illinois

Getting a DUI in Illinois is expensive because you’ll be saddled with higher insurance rates than a driver with a clean record:

Violation Summary
Avg Monthly Quote
Avg Annual Quote
DUI $168 $2,017
Last Updated Jul 2, 2025

The cheapest insurance rate for Illinois drivers with a DUI are as follows:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Gainsco $84 $1,004
Progressive $91 $1,089
National General $181 $2,171
Bristol West $228 $2,737
The General $255 $3,059
Dairyland $342 $4,108
Electric $372 $4,458
Last Updated Jun 26, 2025

Average Car Insurance for Drivers with Other Violations in Illinois

Check out the effect of other violations on your insurance premium:

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $195 $2,344
Cell Phone $189 $2,262
Defective Equipment $126 $1,510
Driving on Sus. License $155 $1,858
Eluding Police $196 $2,357
Failure to Obey Traffic Sign $235 $2,814
Illegal Turn $271 $3,253
Improper Passing $269 $3,226
Open Container $226 $2,716
Other $243 $2,913
Reckless Driving $90 $1,085
Suspension $202 $2,428
Wrong Way/Wrong Lane $163 $1,954
Last Updated Jul 1, 2025

What are the options for more coverage? 

For extensive coverage and added financial protection, you can add collision coverage and comprehensive coverage to your policy. Both of these kinds of claims are likely to come with a deductible.

  • Collision coverage helps pay for the damage to your car caused by another vehicle in a collision. 
  • Comprehensive coverage helps pay for damages caused by covered events that don’t involve a collision with another vehicle like hail, fire or theft. 

Depending on your needs, you can also opt for towing, roadside assistance and other insurance products. The rates for these additional types of car insurance varies.

Why is full coverage car insurance beneficial?

Good coverage is important for Illinois residents who contend with risks like driving on snowy and icy roads, wildlife crossings in rural areas and distracted drivers. For example, if you frequently drive on US Route 45 through rural areas — which has been dubbed by some as the most dangerous road in the state — you may want to consider full coverage.

If you have assets, full coverage will give you more financial protection in the event of a lawsuit or serious collision that goes beyond your minimum policy’s limits.

Regardless, make sure to keep your auto insurance card in a safe place in your car, per state law. 

Factors that determine your car insurance premium

In Illinois, insurance carriers use a rating system to formulate the cost of your premium. It’s based on your risk profile and other factors, which may include:

  • Age, gender and marital status.
  • Driving record and history.
  • Where you live.
  • The vehicle you drive.
  • Deductibles.
  • Credit score.

Does Illinois require no-fault insurance?

Illinois drivers are not required by law to have no-fault insurance. But depending on your circumstances, it may be a good idea to have it for added protection. This coverage helps pay for your medical expenses and loss of income for injured passengers in an accident regardless of who is deemed responsible. 

Tips to lower your car insurance cost in Illinois

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

Throughout the year, you should compare quotes from multiple insurance carriers to find the best rate possible for your needs and driver profile. 

Other strategies for potentially lowering your rate involve solutions like bundling your auto insurance with a home insurance policy, selecting policies with higher deductibles to save, or paying for your policy in full.

The good news is that you don’t need to wait for your policy to lapse to research auto insurance providers. Consider using Jerry, America’s first AllCar™ app, to save you time and the hassle. Jerry is a licensed broker that compares car insurance policies all in one place — and we don’t give out your personal information.

NEED HELP?

  • Who has the cheapest car insurance in Illinois?
  • Who sells the cheapest full coverage car insurance in Illinois?​
Still have questions? Contact us

Methodology

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.