Mercury and Geico are the cheapest Illinois car insurance companies for good drivers, among the companies we analyzed. To get a 20% discount on your car insurance premiums, you must meet certain eligibility requirements. Regardless of who caused the accident, if you are injured in a car accident in a no-fault state, you should rely on your car insurance coverage to cover medical bills and other out-of-pocket expenses. The analysis included 5 to 10 of the largest insurance companies in each state; smaller insurers were also included when rates were available.
State Farm, American Family and Progressive are the cheapest full-coverage auto insurance companies in Illinois. Illinois drivers must have insurance that meets the minimum requirements for liability for bodily injury, liability for property damage, and coverage for uninsured or underinsured motorists. Many insurance providers can offer discounts if you combine your home, vehicle, life and other insurance plans. Illinois insurers must offer a discount to drivers aged 55 and older who complete an approved accident prevention course.
Searching for cheap car insurance quotes with several insurers is the best way to find lower rates. Up to the limits of coverage, this basic liability coverage pays for medical bills, property damage bills, and other costs for drivers, passengers, and pedestrians who are injured or whose cars are damaged in a car accident that you cause. Drivers in their 30s can get lower rates by comparing prices and taking advantage of discounts on car insurance. Since several factors besides age are used to calculate rates, comparing multiple providers is the best way to find the cheapest car insurance.
See NerdWallet's guide to car insurance requirements by state to learn more about your policy coverage options in the Land of Lincoln. The coverage required in Illinois doesn't offer any coverage for damage to your own car in many situations. Although they're not required, consider taking out comprehensive and collision insurance if you have a valuable car. Mercury and Progressive may be good options if you're looking for cheap car insurance in Illinois and have bad credit.