Cheapest auto insurance in Illinois for 2021

 More than half of Illinois' 12.7 million residents have a driver's licence. Despite the fact that car insurance is legally required in the state, nearly 12% of the state's 8,546,932 licenced drivers are uninsured.

Cheapest auto insurance in Illinois for 2021

Car insurance is more than just a legal requirement; it also protects you financially against incidents that may affect you, your vehicle, or other motorists and passengers on the road. Car insurance in Illinois costs $442 per year for minimum coverage and $1,485 per year for full coverage, which is significantly less than the national average. Nonetheless, many drivers continue to seek lower premiums. 

To assist Illinois drivers — both those who have and those who do not have car insurance — we researched multiple companies writing policies in the state and compared each company's average 2021 premiums to narrow down the cheapest car insurance companies in Illinois.

Cheapest auto insurance in Illinois
When it comes to affordable car insurance, Illinois drivers have several options, resulting in significantly lower car insurance rates than in other states. The table below includes the cheapest car insurance in Illinois from some of the country's best car insurance companies.


Drivers looking for cheap car insurance in Illinois should start their search with Geico. The average Geico full coverage policy costs $928 per year, while the average minimum coverage policy costs only $267. In addition to low rates, Geico offers a variety of discounts to help you save even more money. Drivers can get a lower premium if their vehicle has safety features, if they are a good student, if they are a good driver, if they are a federal employee, or if they are an active duty military member.

State Farm

Drivers in Illinois looking for low-cost insurance coverage may want to consider a policy from State Farm. The average annual cost of a minimum coverage policy is $316, while a full coverage policy costs $935. Drivers can save money by being accident-free, being a good student, taking a defensive driving course, and enrolling in one of State Farm's safe driver programmes, Drive Safe & Save or Steer Clear. Policyholders can also feel secure if they choose travel expense coverage, which covers transportation, food, and temporary lodging costs if they are involved in an accident more than 50 miles from home.


Progressive is a great option if you want to save money on your insurance, especially if you combine your home and auto policies. Its signature Snapshot programme rewards safe driving with additional savings, but there are numerous other ways to save. Progressive also provides discounts for multiple vehicles, continuous insurance coverage, college students, and teen drivers. You can also use the Name Your Price Tool to control how much you pay for insurance each month.


Allstate provides a variety of car insurance coverage options, including sound system insurance, roadside assistance, personal injury protection (PIP) insurance, and rental car reimbursement. It also specialises in teen driver insurance as well as rideshare insurance if you drive for Uber or Lyft. If you require classic car insurance, Allstate has you covered. You can sign up for Allstate's Drivewise programme, which rewards you for safe driving habits, to help you afford these additional types of coverage.

Country Financial

If you have a new car, Country Financial's Keeper® protection will replace it with the same make and model so you are not affected by depreciation if it is totaled in an accident. In addition, there is emergency roadside assistance, vehicle rental and trip interruption coverage, and safety glass coverage. Country Financial offers a variety of savings programmes, including bundle and multi-car discounts, as well as additional savings for new drivers who complete its Simply Drive course.

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