Illinois drivers pay an average of $1,500/yr for full coverage. Near-average rates nationally. Chicago drivers pay significantly more than downstate rural areas.
✅ Avg Rate: $1,500/yr✅ Min Required: 25/50/20k liability📍 Chicago adds ~40% to rates
Best Car Insurance Companies in Illinois
#1 State Farm
Best overall in Illinois • A++ rated • Local agents statewide
State Farm (HQ'd in IL), GEICO, and Progressive are top picks for Illinois. Rates average $1,500/yr for full coverage in Illinois.
Illinois full coverage averages $1,500/yr. Near-average rates nationally. Chicago drivers pay significantly more than downstate rural areas.
Illinois requires minimum 25/50/20k liability. Note: Chicago adds ~40% to rates.
GEICO is generally cheaper on price. State Farm wins on customer service and claims. Always get quotes from both — rates vary significantly by zip code within Illinois.
Compare multiple quotes, bundle home and auto, maintain a clean driving record, take a defensive driving course, raise your deductible, and ask about usage-based programs like Progressive Snapshot or State Farm Drive Safe & Save.