Car insurance costs may be rising, but you can still find budget-friendly options in Illinois.  

We analyzed 18 companies and reviewed over 2,150 rates for drivers of varying ages and driving records. Whether you have a clean driver’s history or a few blemishes on your record, our findings highlight auto insurers offering cheap car insurance rates in Illinois tailored to your situation. 

The Cheapest Car Insurance Companies in Illinois for Good Drivers 

Cheapest for... Company Average monthly cost in Illinois Learn more
20-year-olds
Travelers
$199
Via Forbes Advisor's Partner
30-year-olds
Travelers
$113
Via Forbes Advisor's Partner
40-year-olds
Travelers
$100
Via Forbes Advisor's Partner
50-year-olds
Travelers
$99
Via Forbes Advisor's Partner
60-year-olds
Travelers
$91
Via Forbes Advisor's Partner
70-year-olds
Travelers
$103
Via Forbes Advisor's Partner
80-year-olds
Progressive
$123
Via Forbes Advisor's Partner
Average rates are based coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Source: Quadrant Information Services.
*In some cases, USAA may be the cheapest company, but USAA auto insurance is available

Cheap Car Insurance for 20-Year-Olds in Illinois

Young drivers in Illinois can face steep insurance costs, especially if you’re not on a parent’s car insurance policy. In Illinois, these insurers had the cheapest car insurance according to our analysis.

Cheapest Full Coverage Car Insurance for 20-Year-Olds in Illinois

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Travelers: $199 a month 
  2. Progressive: $226 a month 
  3. Geico: $255 a month 
  4. Country: $275 a month 
  5. Auto Club Group (AAA): $295 a month 

Cheapest Minimum Coverage for 20-Year-Olds in Illinois

If you’re looking for only the minimum auto insurance in Illinois, check rates from these companies.

  1. Erie: $67 a month
  2. Country: $69 a month
  3. Secura: $70 a month
  4. Travelers: $80 a month
  5. Mercury: $82 a month

Cheapest Auto Insurance for 20-Year-Olds in Illinois With Poor Credit

Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

  1. Travelers: $298 a month
  2. Country: $357 a month
  3. Grange Mutual: $370 a month
  4. Mercury: $432 a month
  5. First Chicago: $474 a month

Cheapest Auto Insurance for 20-Year-Olds in Illinois With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Illinois for drivers with a speeding ticket.

  1. Travelers: $240 a month
  2. Erie: $297 a month
  3. Country: $311 a month
  4. Mercury: $314 a month
  5. Auto-Owners: $327 a month

Cheapest Car Insurance in Illinois for 20-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for Illinois drivers who caused an accident that injured someone else.

  1. Travelers: $263 a month
  2. Auto-Owners: $323 a month
  3. Erie: $338 a month
  4. Mercury: $343 a month
  5. Country: $347 a month

Cheapest Auto Insurance for 20-Year-Olds in Illinois After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Illinois who have a DUI conviction.

  1. Travelers: $279 a month
  2. Mercury: $307 a month
  3. Country: $368 a month
  4. State Farm: $376 a month
  5. Erie: $379 a month

Featured Partner Offer

Lemonade

Buy affordable car insurance

Offers quick claim process, free roadside assistance and emergency crash assistance

Specialty

App-centric auto insurance

Lemonade

Learn More

On Lemonade's Website

Cheap Car Insurance for 30-Year-Olds in Illinois

Drivers age 30 in Illinois can find very high insurance quotes depending on their driving record. Here’s a look at the lowest companies for a variety of common driving records.

Cheapest Full Coverage Car Insurance for 30-Year-Olds in Illinois

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Travelers: $113 a month 
  2. Progressive: $126 a month 
  3. Mercury: $151 a month 
  4. Hastings: $155 a month 
  5. Rockford Mutual: $165 a month 

Cheapest Minimum Coverage for 30-Year-Olds in Illinois

If you’re looking for only the minimum auto insurance in Illinois, check quotes from these companies.

  1. Secura: $33 a month
  2. Mercury: $34 a month
  3. First Chicago: $38 a month
  4. Auto-Owners: $39 a month
  5. Country: $41 a month

Cheapest Auto Insurance for 30-Year-Olds in Illinois With Poor Credit

Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

  1. Grange Mutual: $178 a month
  2. Travelers: $179 a month
  3. Mercury: $216 a month
  4. First Chicago: $219 a month
  5. Country: $231 a month

Cheapest Auto Insurance for 30-Year-Olds in Illinois With a Speeding Ticket

Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Illinois for drivers with a speeding ticket.

  1. Travelers: $148 a month
  2. Auto-Owners: $176 a month
  3. Mercury: $184 a month
  4. Auto Club Group: $190 a month
  5. First Chicago: $199 a month

Cheapest Car Insurance in Illinois for 30-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Illinois drivers who caused an accident that injured someone else.

  1. Travelers: $161 a month
  2. Auto-Owners: $174 a month
  3. Grange Mutual: $191 a month
  4. Auto Club Group: $197 a month
  5. First Chicago: $219 a month

Cheapest Auto Insurance for 30-Year-Olds in Illinois After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Illinois who have a DUI conviction.

  1. Travelers: $170 a month
  2. Mercury: $175 a month
  3. State Farm: $204 a month
  4. Progressive: $220 a month
  5. Country: $238 a month

Cheap Car Insurance for 40-Year-Olds in Illinois

Illinois drivers age 40 can typically save significant money by comparing quotes from multiple insurers. We looked at which companies offer the cheapest rates in Illinois, depending on your driving record.

Cheapest Full Coverage Car Insurance for 40-Year-Olds in Illinois

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Travelers: $100 a month 
  2. Progressive: $115 a month 
  3. Mercury: $133 a month 
  4. Hastings: $135 a month 
  5. Geico: $145 a month 

Cheapest Minimum Coverage for 40-Year-Olds in Illinois

If you’re looking for only the minimum auto insurance in Illinois, check quotes from these companies.

  1. Mercury: $31 a month
  2. Secura: $31 a month
  3. First Chicago: $35 a month
  4. Country: $38 a month
  5. Grange Mutual: $39 a month

Cheapest Auto Insurance for 40-Year-Olds in Illinois With Poor Credit

Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

  1. Grange Mutual: $159 a month
  2. Travelers: $162 a month
  3. First Chicago: $177 a month
  4. Mercury: $190 a month
  5. Country: $209 a month

Cheapest Auto Insurance for 40-Year-Olds in Illinois With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in Illinois for drivers with a speeding ticket.

  1. Travelers: $141 a month
  2. Mercury: $166 a month
  3. Auto Club Group: $171 a month
  4. Erie: $175 a month
  5. Auto-Owners: $175 a month

Cheapest Car Insurance in Illinois for 40-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for Illinois drivers who caused an accident that injured someone else.

  1. Travelers: $153 a month
  2. Auto-Owners: $174 a month
  3. Grange Mutual: $176 a month
  4. Auto Club Group: $176 a month
  5. First Chicago: $205 a month

Cheapest Auto Insurance for 40-Year-Olds in Illinois After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Illinois who have a DUI conviction.

  1. Mercury: $157 a month
  2. Travelers: $162 a month
  3. Progressive: $200 a month
  4. State Farm: $200 a month
  5. Country: $216 a month

Cheap Car Insurance for 50-Year-Olds in Illinois

Illinois drivers in their 50s are enjoying the lowest rates they’ll get based on age. But a poor driving record can make cheap car insurance hard to find.

Cheapest Full Coverage Car Insurance for 50-Year-Olds in Illinois

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Travelers: $99 a month 
  2. Progressive: $103 a month 
  3. Mercury: $126 a month 
  4. Hastings: $132 a month 
  5. Geico: $134 a month

Cheapest Minimum Coverage for 50-Year-Olds in Illinois 

If you’re looking for only the required auto insurance in Illinois, check quotes from these companies.

  1. Mercury: $29 a month
  2. Secura: $30 a month
  3. First Chicago: $32 a month
  4. Country: $37 a month
  5. Erie: $37 a month

Cheapest Auto Insurance for 50-Year-Olds in Illinois With Poor Credit

Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

  1. Travelers: $159 a month
  2. First Chicago: $166 a month
  3. Grange Mutual: $172 a month
  4. Mercury: $180 a month
  5. Country: $199 a month

Cheapest Auto Insurance for 50-Year-Olds in Illinois With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Illinois for drivers with a speeding ticket.

  1. Travelers: $139 a month
  2. Erie: $154 a month
  3. Mercury: $160 a month
  4. Auto-Owners: $164 a month
  5. Auto Club Group: $165 a month

Cheapest Car Insurance in Illinois for 50-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Illinois drivers who caused an accident that injured someone else.

  1. Travelers: $151 a month
  2. Auto-Owners: $162 a month
  3. Auto Club Group: $169 a month
  4. Erie: $187 a month
  5. Grange Mutual: $193 a month

Cheapest Auto Insurance for 50-Year-Olds in Illinois After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Illinois who have a DUI conviction.

  1. Mercury: $150 a month
  2. Travelers: $160 a month
  3. Progressive: $187 a month
  4. State Farm: $196 a month
  5. Country: $205 a month

Cheap Car Insurance for 60-Year-Olds in Illinois

Auto insurance rates often begin to rise around age 65, even if you have a stellar driving record. We found the cheapest companies for Illinois drivers at age 60.

Cheapest Full Coverage Car Insurance for 60-Year-Olds in Illinois

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Travelers: $91 a month 
  2. Progressive: $97 a month 
  3. Mercury: $112 a month 
  4. Hastings: $135 a month 
  5. Geico: $141 a month (tie) 
  6. Auto Club Group (AAA): $141 a month (tie) 

Cheapest Minimum Coverage for 60-Year-Olds in Illinois

If you’re looking for only the minimum auto insurance in Illinois, check prices from these companies.

  1. Mercury: $27 a month
  2. Secura: $32 a month
  3. First Chicago: $32 a month
  4. Grange Mutual: $33 a month
  5. Erie: $35 a month

Cheapest Auto Insurance for 60-Year-Olds in Illinois With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

  1. Grange Mutual: $133 a month
  2. Travelers: $147 a month
  3. Mercury: $162 a month
  4. First Chicago: $167 a month
  5. Country: $191 a month

Cheapest Auto Insurance for 60-Year-Olds in Illinois With a Speeding Ticket

Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in Illinois for drivers with a speeding ticket.

  1. Travelers: $135 a month
  2. Erie: $145 a month
  3. Mercury: $149 a month
  4. Auto Club Group: $152 a month
  5. Auto-Owners: $158 a month

Cheapest Car Insurance in Illinois for 60-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for Illinois drivers who caused an accident that injured someone else.

  1. Travelers: $148 a month
  2. Grange Mutual: $150 a month
  3. Auto Club Group: $156 a month
  4. Auto-Owners: $156 a month
  5. Erie: $177 a month

Cheapest Auto Insurance for 60-Year-Olds in Illinois After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Illinois who have a DUI conviction.

  1. Mercury: $139 a month
  2. Travelers: $156 a month
  3. Progressive: $181 a month
  4. Grange Mutual: $183 a month
  5. State Farm: $184 a month

Cheap Car Insurance for 70-Year-Olds in Illinois

Illinois drivers age 70 are looking at higher rates due to age. But relatively cheap car insurance can still be found by comparing quotes from a few companies.

Cheapest Full Coverage Car Insurance for 70-Year-Olds in Illinois

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Travelers: $103 a month 
  2. Progressive: $104 
  3. Geico: $123 a month 
  4. Mercury: $132 a month 
  5. Rockford Mutual: $150 a month 

Cheapest Minimum Coverage for 70-Year-Olds in Illinois

If you’re looking for only the minimum auto insurance in Illinois, check prices from these companies.

  1. First Chicago: $33 a month
  2. Mercury: $34 a month
  3. Secura: $37 a month
  4. Erie: $41 a month
  5. Country: $41 a month

Cheapest Auto Insurance for 70-Year-Olds in Illinois With Poor Credit

Poor credit can cause a steep increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

  1. Travelers: $170 a month
  2. Grange Mutual: $177 a month
  3. First Chicago: $188 a month
  4. Mercury: $193 a month
  5. Country: $203 a month

Cheapest Auto Insurance for 70-Year-Olds in Illinois With a Speeding Ticket

Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Illinois for drivers with a speeding ticket.

  1. Travelers: $159 a month
  2. Erie: $170 a month
  3. Auto Club Group: $176 a month
  4. Country: $179 a month
  5. Auto-Owners: $179 a month

Cheapest Car Insurance in Illinois for 70-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for Illinois drivers who caused an accident that injured someone else.

  1. Travelers: $175 a month
  2. Auto-Owners: $177 a month
  3. Auto Club Group: $186 a month
  4. Grange Mutual: $206 a month
  5. Erie: $207 a month

Cheapest Auto Insurance for 70-Year-Olds in Illinois After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Illinois who have a DUI conviction.

  1. Mercury: $171 a month
  2. Travelers: $185 a month
  3. State Farm: $193 a month
  4. Progressive: $201 a month
  5. Country: $210 a month

Cheapest Car Insurance In Chicago, Illinois

Cheapest for . . . Company Average monthly cost in Chicago Learn more
Good drivers
Hastings
$78
Via Forbes Advisor's Partner
Drivers with a speeding ticket
Hastings
$97
Via Forbes Advisor's Partner
Drivers who caused an accident with injury
Hastings
$131
Via Forbes Advisor's Partner
Drivers with a DUI
First Chicago
$140
Via Forbes Advisor's Partner
Driver with poor credit
First Chicago
$126
Via Forbes Advisor's Partner
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

Related: Cheapest Car Insurance in Chicago

Cheapest Car Insurance In Aurora, Illinois

Cheapest for . . . Company Average monthly cost in Aurora Learn more
Good drivers
Hastings
$69
Via Forbes Advisor's Partner
Drivers with a speeding ticket
Hastings
$87
Via Forbes Advisor's Partner
Drivers who caused an accident with injury
Hastings
$118
Via Forbes Advisor's Partner
Drivers with a DUI
Mercury
$142
Via Forbes Advisor's Partner
Driver with poor credit
Hastings
$113
Via Forbes Advisor's Partner
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

Cheapest Car Insurance In Rockford, Illinois

Cheapest for . . . Company Average monthly cost in Rockford Learn more
Good drivers
Hastings
$80
Via Forbes Advisor's Partner
Drivers with a speeding ticket
Hastings
$100
Via Forbes Advisor's Partner
Drivers who caused an accident with injury
Pekin
$128
Via Forbes Advisor's Partner
Drivers with a DUI
Travelers
$146
Via Forbes Advisor's Partner
Driver with poor credit
Hastings
$132
Via Forbes Advisor's Partner
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

Buy Cheap Car Insurance in Illinois

Pinpointing low-cost car insurance in Illinois involves using some basic strategies. A good car insurance policy should have both a good cost and the coverage features you need.

Compare Rates from Multiple Auto Insurance Companies

Auto insurance rates can vary significantly among insurers in Illinois. That means comparing quotes from multiple companies is essential to finding cheap car insurance in Illinois.

Consider Switching Companies If Your Driving Record Changes

Has your auto rate gone up because of a recent ticket or at-fault accident? If you feel like you’re no longer getting cheap car insurance, it might be time to consider switching car insurance companies. The cheapest Illinois car insurance company for you can vary based on your driving record.

Regularly Review Your Car Insurance Policy

You may be able to get savings by removing auto insurance coverage you no longer want, such as roadside assistance or new car replacement coverage. If you haven’t reviewed your car policy in a while, it may be a good time to assess your policy.

Rethink Your Deductible

You may be able to find savings if you have collision and comprehensive insurance. By raising your auto insurance deductible you can lower your premium. Simply contact your insurance agent to find out how much you can save at various deductible amounts.

Look Into Car Insurance Discounts

Many car insurance discounts are added to your policy automatically, but there may be other car insurance discounts your insurance company doesn’t know you’re eligible for. Ask your insurance agent for a review of possible discounts. For example, if you are working from home or retired and are driving fewer annual miles, you may be eligible for a better car insurance rate.

Capture Savings by Bundling

You can usually get sizeable savings by bundling auto insurance with homeowners insurance, condo or renters insurance, our analysis found that the average price break for bundling is 14%.

Get Savings for Your Insurance Payment Strategy

You may be able to get small price breaks based on the way you pay your car insurance bill. Some insurers offer discounts for:

  • Going paperless for billing and policy documents.
  • Using EFT payments if you’re paying monthly.
  • Paying for the whole policy term in one lump sum.

Methodology

Except where otherwise noted, average rates are based on a female driver insuring a new RAV4 with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Average rates for cities are based on a 40-year-old female good driver with the above coverage. Source: Quadrant Information Services.

Cheap Car Insurance Companies 2025

With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the cheapest car insurance companies, so you don't have to.

Learn More

Find The Cheapest Car Insurance In Illinois

Get a free quote, and pay less for car insurance

Get A Quote

Via Forbes Advisor's Partner