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Last Updated on January 2, 2026
Whether you’re in Chicagoland or downstate in a smaller community, having the right auto insurance matters. Illinois is often more affordable than many other states, but rates can still swing widely by ZIP code, vehicle, driving record, and coverage choices.
This guide breaks down the best car insurance companies in Illinois and what to look for if you’re shopping with a DUI, accident, ticket, young driver, or credit challenges.
Across recent pricing studies, full coverage in Illinois is commonly around $2,000–$2,400 per year on average, while minimum coverage is often around $650–$700 per year. Your actual quote may be significantly higher (or lower), especially in higher-density areas and for drivers with violations.
When comparing prices, make sure you’re comparing the same thing. A minimum liability policy will usually look much cheaper than a full coverage policy (liability + comprehensive + collision), but it also protects you far less.
Illinois drivers often complain about car insurance prices, but the state is still relatively affordable compared to many parts of the country. The best insurer for you depends on whether you prioritize price, agent support, claims experience, or coverage add-ons.
Note: The tables below are for quick comparison and may reflect sample driver profiles. Always get quotes using your exact vehicle, address, and coverage limits.
USAA is often one of the best values in Illinois for eligible drivers. If you qualify through military service (or a qualifying family relationship), it’s usually worth getting a quote. See who is eligible to get car insurance from USAA.
| USAA | |
|---|---|
| Company Address | 9800 Fredericksburg Road San Antonio, TX 78288 |
| Phone Number | 1-210-531-USAA |
| Website URL | http://www.usaa.com/ |
Safeco (often sold through independent agents) can be a strong option in Illinois for drivers who want a mix of value, service, and policy flexibility. It’s worth comparing if you prefer working with an agent instead of buying direct.
| Safeco Insurance | |
|---|---|
| Company Address | 175 Berkeley Street, Boston, MA 02116 |
| Phone Number | 1-800-332-3226 |
| Website URL | https://www.safeco.com/ |
GEICO is a common “first quote” for Illinois drivers because it’s fast to price online and frequently competitive—especially for clean records and drivers who are comfortable managing their policy digitally.
| GEICO | |
|---|---|
| Company Address | 5260 Western Avenue Chevy Chase, MD 20815 |
| Phone Number | 1-800-861-8380 |
| Website URL | https://www.geico.com/ |
Erie is well known in the Midwest for solid service through agents and strong overall value. If you prefer an agent-led experience and want to compare beyond the biggest national brands, Erie is a great company to add to your quote list.
| Erie | |
|---|---|
| Company Address | 100 Erie Insurance Place Erie, PA 16530 |
| Phone Number | 1-800-458-0811 |
| Website URL | https://www.erieinsurance.com/ |
State Farm (headquartered in Bloomington, IL) is a strong pick if you want a large local agent network and broad availability statewide. Bundling auto with home or renters can also unlock meaningful discounts.
| State Farm | |
|---|---|
| Company Address | 1 State Farm Plaza Bloomington, IL 61701 |
| Phone Number | 1-309-766-2311 |
| Website URL | https://www.statefarm.com/ |
Pekin is a well-known Illinois-based insurer that many drivers overlook. It can be a strong value for drivers who want local-market experience and an agent-driven policy.
| Pekin Insurance | |
|---|---|
| Company Address | 2505 Court Street, Pekin, IL 61558 |
| Phone Number | 1-800-322-0160 |
| Website URL | https://www.pekininsurance.com/ |
COUNTRY Financial is a popular Illinois option for drivers who like working with an agent and want a company with a strong in-state footprint. It can be especially appealing for drivers comparing liability-only coverage and straightforward policy structures.
| COUNTRY Financial | |
|---|---|
| Company Address | 701 Towanda Ave Bloomington, IL 61701 |
| Phone Number | 1 (866) 268-6879 |
| Website URL | https://www.countryfinancial.com/ |
Travelers is commonly sold through independent agents and can be a great fit if you want to bundle auto with home, renters, or an umbrella policy while keeping everything under one account.
| Travelers | |
|---|---|
| Company Address | 485 Lexington Ave 10th Fl New York, NY 10017 |
| Phone Number | 1-866-218-5589 |
| Website URL | https://www.travelers.com/ |
Auto-Owners is a strong choice for drivers who want a more personal, agent-based experience. It’s often worth comparing if you value service and long-term relationship with an independent agent.
| Auto-Owners | |
|---|---|
| Company Address | 6101 Anacapri Blvd. Lansing MI, 48917 |
| Phone Number | 1-517-323-1200 |
| Website URL | https://www.auto-owners.com/ |
Westfield is a smaller insurer compared to the national giants, but it’s often praised for customer service and bundling value. If you’re shopping through an independent agent, it’s a smart quote to include.
| Westfield Insurance | |
|---|---|
| Company Address | P.O.Box 5001 Westfield Center, OH 44251 |
| Phone Number | 1-800-243-0210 |
| Website URL | https://www.westfieldinsurance.com/ |
To legally drive in Illinois, you must carry liability coverage for injuries and property damage you cause, plus uninsured motorist coverage. At a minimum, Illinois requires:
Illinois does not require medical payments coverage or personal injury protection (PIP). The state also doesn’t require collision or comprehensive coverage, but your lender will usually require both if you finance or lease your car.
Remember: these are minimum limits. Many drivers exceed the minimum limits to better protect their savings, income, and assets.
It’s illegal to drive without insurance in Illinois. Illinois also verifies insurance electronically, and drivers can be cited if they can’t provide evidence of coverage during a traffic stop or after a crash.
Penalties can include:
If your plates or registration are impacted, you may need to resolve an insurance-related registration suspension before you can legally drive again.
A DUI is one of the fastest ways to raise your premium. Learn how much insurance can go up after a DUI, then plan to shop around—because different insurers treat DUIs very differently.
To find the best value after a DUI, focus on companies willing to insure you without forcing you into the most expensive tier, and avoid any lapse in coverage (even a short one) while you’re shopping.
One at-fault accident can raise your rate at renewal, but the impact can vary dramatically by insurer and the severity of the claim. If you’ve had a recent claim, the best way to save is to compare multiple quotes and consider whether you really need every optional add-on on your policy.
If your budget is tight after an accident, you may be tempted to cut coverage too far. Make sure you understand what you’d lose before you reduce limits or drop important protections.
Insurers look at your driving history when calculating premiums. Even a single violation can impact your rate, and the increase depends on the insurer, the speed, and how recently the ticket occurred. See how much a single speeding ticket can increase your rates, then compare quotes—because some companies are far more forgiving than others.
Young drivers pay more in every state, and Illinois is no exception—especially in and around Chicago. The best ways to cut the cost are to compare several insurers, use good-student discounts, choose an easy-to-insure vehicle, and raise deductibles (if your family can afford the out-of-pocket cost after a claim).
Rates often improve with time and experience. Here’s what to know about whether car insurance rates drop at age 25 and why some drivers see changes earlier or later.
Illinois insurers can use credit-based insurance scoring in many situations, so two drivers with the same driving record can still get very different quotes. If you’re seeing unexpectedly high prices, read what your car insurance score is and compare multiple companies—because some insurers weigh credit factors more heavily than others.
The Illinois Secretary of State can require certain drivers to file proof of financial responsibility known as an SR-22. The SR-22 is a certificate your insurer files to verify you meet state insurance requirements. If you’re new to it, start here: how long does an SR-22 last?
In Illinois, an SR-22 filing is commonly required for three years once it’s imposed, and a lapse can trigger another suspension. If you need state-specific guidance, see our full guide to SR-22 insurance in Illinois.
You can also review the official information on SR-22 filings directly from the Illinois Secretary of State here: Financial Responsibility (SR-22) Insurance.
Illinois is often less expensive than many states, but it’s still easy to overpay—especially if you live in a high-cost ZIP code or have a recent violation. Compare several quotes, match your limits and deductibles, and choose a policy that protects you financially (not just the cheapest price).
Start with the companies listed above, then fine-tune your limits, deductibles, and optional coverages until you find the best balance of price and protection.
