How much is car insurance in Illinois?

Car insurance in Illinois averages $1,500/yr for full coverage. Minimum liability coverage is cheaper. Near-average rates nationally. Chicago drivers pay significantly more than downstate rural areas.

What is the minimum car insurance required in Illinois?

Illinois requires minimum 25/50/20k liability. Chicago adds ~40% to rates.

BEST CAR INSURANCE IL 2026

Best Car Insurance in Illinois

Q: What is the best car insurance in Illinois?

The best car insurance in Illinois for 2026 includes State Farm (HQ'd in IL), GEICO, and Progressive are top picks for Illinois. Rates average $1,500/yr for full coverage.

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

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#2 GEICO

Cheapest rates in Illinois • 100% online/phone • A++ rated

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#3 Progressive

Best for high-risk drivers in Illinois • Name Your Price tool

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#4 Allstate

Most coverage options in Illinois • Drivewise safe driver rewards

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#5 Liberty Mutual

RightTrack discount program • Better car replacement coverage

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Illinois Car Insurance FAQ

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.