Cheapest Car Insurance in Illinois for July 2025

Insurance price card

Cheapest Car Insurance in Illinois for July 2025

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

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 $74 $892
Mendota $99 $1,191
Safeco $108 $1,302
Progressive $111 $1,336
Mercury $119 $1,429
Gainsco $123 $1,476
National General $123 $1,477
Electric $124 $1,494
The General $143 $1,720
Last Updated Jul 17, 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
Anchor General $166 $1,997
Commonwealth Insurance $189 $2,264
Progressive $222 $2,670
Clearcover $268 $3,218
Safeco $271 $3,248
Mercury $283 $3,390
Gainsco $307 $3,688
Aspire Advantage $350 $4,196
National General $359 $4,314
The General $371 $4,448
Last Updated Jul 20, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
$–
COMPARE QUOTES
Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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 $385 $4,620
21-24 $279 $3,354
Last Updated Jul 19, 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 $153 $1,831
Progressive 20 $181 $2,174
National General 20 $221 $2,658
Gainsco 20 $233 $2,802
Dairyland 20 $261 $3,131
Last Updated Jul 21, 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 $361 $4,337
Dairyland 20 $362 $4,347
ROOT 20 $509 $6,105
The General 20 $696 $8,354
Electric 20 $825 $9,904
Gainsco 20 $885 $10,616
National General 20 $927 $11,127
Bristol West 20 $940 $11,280
Mendota 20 $1,151 $13,808
Last Updated Jul 17, 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 $242 $2,899
35-44 $213 $2,561
45-54 $207 $2,481
Last Updated Jul 20, 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
Electric 36 $79 $949
Assurance America 36 $84 $1,010
Trexis 36 $87 $1,044
Progressive 36 $93 $1,116
Gainsco 36 $106 $1,277
Last Updated Jul 20, 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 $204 $2,447
Mercury 36 $207 $2,478
Safeco 36 $275 $3,303
Gainsco 36 $284 $3,405
National General 36 $313 $3,760
Bristol West 36 $325 $3,900
The General 36 $328 $3,931
ROOT 36 $347 $4,161
Electric 36 $350 $4,206
Dairyland 36 $434 $5,213
Last Updated Jul 21, 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 $176 $2,113
65+ $196 $2,350
Last Updated Jul 19, 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
Dairyland 65 $63 $756
Progressive 65 $63 $760
Gainsco 65 $64 $764
Mercury 65 $67 $806
The General 65 $71 $846
Last Updated Jul 17, 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
Gainsco 65 $134 $1,613
Progressive 65 $150 $1,803
Electric 65 $187 $2,238
Mercury 65 $213 $2,556
The General 65 $225 $2,696
National General 65 $228 $2,740
Bristol West 65 $252 $3,023
Safeco 65 $612 $7,346
Last Updated Jul 17, 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
$203 $2,432
Last Updated Jul 17, 2025
Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $66 $792
Commonwealth Insurance $93 $1,121
Mendota $99 $1,191
Progressive $159 $1,902
Embark General $167 $2,002
Gainsco $170 $2,039
Clearcover $179 $2,143
Safeco $206 $2,471
Electric $210 $2,523
Mercury $214 $2,562
Last Updated Jul 17, 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 $242 $2,900
660-750 $239 $2,862
<550 $238 $2,850
750+ $204 $2,448
Last Updated Jul 17, 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
Trexis <550 $113 $1,361
Progressive <550 $173 $2,074
Gainsco <550 $194 $2,323
Safeco <550 $244 $2,929
Last Updated Jul 19, 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 $308 $3,692
At Fault With No Injury $288 $3,454
Not At Fault $272 $3,262
Last Updated Jul 21, 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 $200 $2,402
Gainsco At Fault With No Injury $236 $2,830
Bluefire At Fault With No Injury $276 $3,313
Last Updated Jul 21, 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
Progressive At Fault With Injury $202 $2,420
National General At Fault With Injury $241 $2,893
Aspire Advantage At Fault With Injury $259 $3,104
The General At Fault With Injury $265 $3,176
Gainsco At Fault With Injury $266 $3,186
Last Updated Jul 20, 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 $219 $2,627
Speeding over 15 $270 $3,245
Last Updated Jul 21, 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
Assurance America $84 $1,010
Trexis $87 $1,044
Commonwealth Insurance $98 $1,178
Progressive $176 $2,114
Gainsco $220 $2,641
Clearcover $236 $2,830
Mercury $259 $3,113
National General $276 $3,317
The General $282 $3,388
Last Updated Jul 20, 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 $153 $1,837
Last Updated Jul 21, 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 $116 $1,393
The General $148 $1,773
National General $181 $2,171
Bristol West $207 $2,487
Dairyland $342 $4,108
Electric $409 $4,902
Last Updated Jul 17, 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 $192 $2,301
Cell Phone $195 $2,343
Defective Equipment $294 $3,525
Driving on Sus. License $139 $1,670
Eluding Police $529 $6,346
Failure to Obey Traffic Sign $263 $3,160
Illegal Turn $281 $3,370
Improper Passing $233 $2,794
Open Container $200 $2,406
Other $242 $2,903
Reckless Driving $90 $1,085
Suspension $211 $2,536
Wrong Way/Wrong Lane $198 $2,382
Last Updated Jul 20, 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.