After extensive research and review, our team named State Farm as the best affordable car insurance option in Illinois. Country Financial, Geico, Progressive and USAA are also smart choices for Illinois drivers looking for quality coverage options at affordable prices. Some auto insurance companies consider bad credit to be a risk factor that can affect their rates, but some states are now starting to prohibit the use of credit ratings when calculating quotes. As you can see from the table above, someone who lives in a big city like Chicago will pay a higher car insurance rate than someone from a smaller city in Illinois.
The analysis included 5 to 10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. When determining which is the best auto insurance company for you, it can be helpful to analyze which provider offers the most significant coverage options and has strong customer service. Your age is one of the most important factors that determine your car insurance premiums, but it's not the only one. Illinois drivers must have car insurance with minimal coverage, including liability coverage for bodily injury and property damage, as well as liability coverage for uninsured motorists.
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than they did in their teens and 20s. Illinois law requires all drivers to carry proof of insurance showing that they meet the state's minimum liability insurance requirements. Yes, car insurance is cheaper in Illinois compared to the national average for car insurance with full coverage. Because insurance coverage rates are cheaper in Illinois than the national average, you have a great chance of finding good car insurance in Illinois at great prices.
Auto insurance companies consider a DUI to be an extreme risk factor and may refuse to offer coverage. Searching for cheap car insurance quotes with several insurers is the best way to find lower rates. For even more help finding cheap car insurance in Illinois, try NerdWallet's car insurance comparison tool.