10 Best Auto Insurance Companies in Illinois for 2025

The best auto insurance companies in Illinois are Erie, Geico, and State Farm. Erie takes the lead with RateLock accident forgiveness, easing the stress of a first mistake on Illinois’s busy roads.

Our Top 10 Picks: Best Auto Insurance Companies in Illinois

Geico has the cheapest car insurance for safe drivers and helps families save even more with up to 25% off when they insure multiple cars.

State Farm rounds out the top three car insurance companies in Illinois with over 500 local agents ready to guide drivers through claims and state insurance laws.

Start comparing Illinois auto insurance companies and rates, or enter your ZIP code to get free quotes from local providers today.

Comparing Auto Insurance Rates in Illinois

In Illinois, your monthly premium depends on whether you pick minimum or full coverage. These prices come down to how much risk you’re comfortable taking on and how much protection you want for your car.

Illinois Auto Insurance Monthly Rates by Coverage Level

Going with minimum coverage can save you money at just $29 a month, but leaves you paying out of pocket if your car gets damaged. Full coverage costs more, yet often pays for itself after just one accident. The higher rates from companies like AAA and Allstate usually reflect better claims handling or more perks for drivers.

Mid-level plans are a smart pick if you want some peace of mind without blowing your budget. Erie auto insurance in Illinois proves you can get solid protection without spending a fortune, with full coverage at $128 per month. Just make sure to compare auto insurance companies to find the one that works best for you.

In addition to choosing between minimum and full coverage, your age can significantly impact your monthly premium. Just like coverage level, these factors reflect the amount of risk insurers perceive when pricing your policy.

Illinois Auto Insurance Monthly Rates by Age

At 16, rates can climb to $436 with Farmers, as teens are considered the riskiest drivers. By 25, maintaining a clean record can bring the cost down to $44 with Geico, as your habits improve.

By 35, Erie and Auto-Owners drop premiums to around $85 for steady, safe drivers. At 65, costs remain reasonable if you continue to drive responsibly.

Beyond your coverage choice, age, and gender, your driving record is another big factor in your Illinois premium. Even one mistake can make full coverage feel out of reach.

Illinois Auto Insurance Monthly Rates by Driving Record

If you keep your record clean, you can still find rates as low as $29 a month. However, even a single accident or ticket can nearly double the cost, leaving some drivers to settle for minimum coverage just to keep it affordable. Erie and State Farm — two of the best insurance companies in Illinois — continue to offer competitive rates even after speeding tickets or DUIs.

How Location Impacts Illinois Auto Insurance

Illinois car insurance companies assess factors such as weather, traffic, and theft to determine monthly premiums. Winter storms and occasional flooding earn Illinois a B, which nudges premiums higher but doesn’t outweigh the value of full coverage.

Illinois Report Card: Auto Insurance Premiums

Where you live in Illinois can significantly impact your premium and whether full coverage is worth it. Cities with heavy traffic, like Chicago, have higher accident and claim rates, which means city drivers are more likely to benefit from added protection. Higher theft rates in urban areas pull the grade down to a C+, leaving even cautious drivers paying more for insurance.

Annual Traffic Accidents & Insurance Claims by Illinois City

Chicago alone sees over 42,000 accidents and 25,000 claims every year, which is why drivers there usually pay more and benefit from comprehensive auto insurance. Rockford, Joliet, and Springfield also have thousands of claims annually, which keeps rates higher even outside of Chicago.

Even in smaller cities like Champaign and Waukegan, steady accident numbers indicate that no driver is entirely exempt from risk.

Ways to Save on Auto Insurance in Illinois

In Illinois, the top auto insurance discounts you can’t miss come from Geico, Erie, and Allstate, with multi-policy discounts that can save you up to 25%, making full coverage easier to fit into your monthly payment when you’re shopping for the best auto insurance in Illinois.

Top Auto Insurance Discounts in Illinois

If you drive in Chicago, Liberty Mutual’s 35% anti-theft discount is a big deal, especially since car theft claims there can hit $6,500. AAA and Farmers reward good drivers with up to 30% off, which helps if you’re adding collision coverage to your policy.

State Farm even knocks up to 15% off if you’re insuring a newer car, which makes full replacement coverage more worth it. And staying claims-free over time can save you another 13%, making it easier to keep full coverage without big rate hikes — a significant plus if you want the best car insurance in Illinois without overpaying.

Even after grabbing some can’t-miss auto insurance discounts, there are still a few smart ways to save even more on your premium here in Illinois. These easy tips can help lower what you pay each month.

• Go With a $1,000 Deductible: Raising your deductible from $500 to $1,000 can knock 15–20% off your premium with most Illinois insurers.
• Drive Less Than 7,500 Miles a Year: By keeping your mileage low, many companies offer up to 10% off for low usage.
• Keep Your Credit Above 700: In Illinois, drivers with good credit often pay about 25% less than those with poor credit.
• Drop Collision on Old Cars: If your car’s worth less than $3,000, removing collision coverage can save you a few hundred bucks a year.
• Shop Around at Renewal: Chicago rates change fast, so checking quotes every year can save you $200–$300 easily.

By combining these steps with your existing discounts, you can buy auto insurance from the best car insurance companies that’s significantly more affordable while still giving you the protection you need. Every little change adds up over time.

Auto Insurance Coverage Options in Illinois

Having the minimum required liability auto insurance in Illinois keeps you legal, but it doesn’t always keep you fully protected. Those state-set limits can run out fast if you’re in a serious crash.

Minimum Auto Insurance Coverage Requirements in Illinois

A single accident in a busy city like Chicago can easily go over the $20,000 property damage minimum, leaving you stuck with the rest of the bill.

Unlike other states, many drivers in Illinois lack sufficient insurance, so the law requires uninsured motorist (UM) coverage to step in if none is available. Underinsured motorist (UIM) coverage helps if their coverage falls short.

When you’re shopping for auto insurance in Illinois, it helps to know what each type of coverage does — and why you might need it. You can also tack on a few handy extras. For instance, gap insurance might be required if you still owe on an auto loan or lease.

List of Common Auto Insurance Coverages

MedPay isn’t required by Illinois car insurance laws, but it can help with hospital bills for you and your passengers, no matter who’s at fault. Rental reimbursement picks up the tab for a rental car while yours is getting fixed, and towing and labor roadside assistance packages can help you out if your car breaks down.

AAA and Liberty Mutual are the top companies for Illinois drivers seeking to customize coverage with roadside assistance and other add-on coverages.

How to Choose the Best Car Insurance Company in Illinois

Finding the right policy in Illinois is about finding the best auto insurance companies for your needs, location, and driving habits. Here are five tips to help you make an informed decision:

• Compare ZIP Code-Specific Rates: In Chicago’s 60629 ZIP, full coverage can cost $178 a month, while in Champaign’s 61820, it’s closer to $95 — all based on where you live.
• Prioritize Companies Offering Locked Rates: Erie keeps your rate steady unless you move or change coverage, making it a smart pick for drivers in accident-heavy areas like Rockford.
• Choose Insurers With Structured Multi-Policy Discounts: Top auto insurance companies like Geico, Erie, and Allstate offer up to 25% off for bundling — a big help in high-claim areas like Joliet’s 60435.
• Demand Claim Support With Proven Track Records: State Farm covers 32% of Illinois drivers, offers fast payouts, and holds an A++ rating — a solid pick for high-accident cities like Springfield.
• If You Don’t Drive Much, Use That to Your Advantage: Low-mileage programs like Drive Safe & Save or Signal can cut up to 30%, perfect for Elgin or Naperville drivers who avoid heavy city traffic.

Bottom line? The best auto insurance companies aren’t always the cheapest — they’re the ones that give you the right mix of savings, support, and protection based on how and where you drive.

Top-Rated Auto Insurance Companies in Illinois

Erie, Geico, and State Farm are some of the best auto insurance companies in Illinois. Erie may not be one of the biggest providers, but it provides superior customer service and competitive rates with accident forgiveness.

State Farm grabs the biggest share in Illinois at 32% since people like having local agents and reliable claims help. Geico sits at around 6%, making it a favorite for drivers looking to save with lower premiums.

It’s worth comparing multiple auto insurance quotes online because rates, discounts, and even customer service can vary more than you’d expect. Illinois drivers will also find benefits like new car replacement, SR-22 support, and roadside towing up to 200 miles. Use our free quote tool to find the perfect fit for your needs.

#1 – Erie: Best for Local Expertise

Pros

• Strong Local Agent Network: Erie’s Illinois policyholders benefit from in-state, independent agents who offer personalized service across cities like Rockford and Springfield.
• First Accident Forgiveness: Illinois drivers avoid a surcharge after their first at-fault crash through this add-on. See our Erie insurance review for details on RateLock.
• High Financial Stability: Erie’s A+ rating from A.M. Best ensures auto insurance claims in Illinois are paid reliably and on time.

Cons

• No Online Claims Portal: Illinois customers must call agents to file or track claims.
• Rural Service Limits: Erie excludes several Illinois counties, restricting access to RateLock accident forgiveness.

#2 – Geico: Best for Safe Drivers

Pros

• Rewards for Clean Records: Illinois drivers with strong driving histories can save significantly with Geico’s low base rates and DriveEasy program.
• Multi-Vehicle Discount: Illinois families save up to 25% when covering two or more vehicles. Discover everything you need to know about Geico and how it saves you money.
• Cheap Monthly Premiums: Drivers with clean records pay as little as $29 per month for Geico car insurance in Illinois.

Cons

• Lack of Agent Support: Illinois drivers often rely solely on Geico’s website and call center for service.
• SR-22 Coverage Surcharge: Illinois high-risk drivers who need SR-22 coverage pay significantly more than with other companies.

#3 – State Farm: Best for Agent Network

Pros

• Excellent Local Support: State Farm’s agent network ensures Illinois claims are paid promptly and thoroughly. Read our State Farm auto insurance review for details.
• Drive Safe & Save: Illinois customers save up to 30% by enrolling in telematics tracking.
• Good Student Discount: Illinois teens and college students save up to 15% with a B average or higher.

Cons

• Premiums for Young Drivers: Even after applying discounts, Illinois drivers under 25 pay more than with other IL car insurance companies.
• App Limitations: The Drive Safe & Save app can accidentally track driving behaviors while you are the passenger.

#4 – Liberty Mutual: Best for Coverage Customization

Pros

• Multiple Policy Add-Ons: IL drivers can customize coverage for custom parts, rideshare drivers, luxury vehicles, and more.
• Better Car Replacement: Illinois drivers receive a replacement car one model year newer if their vehicle is totaled.
• RightTrack Program: Illinois drivers can save up to 30% by demonstrating safe driving habits through this app.

Cons

• Limited Low-Mileage Discount: Liberty Mutual does not offer a low-mileage discount to Illinois drivers.
• Delayed Complex Claims: Illinois multi-vehicle or injury claims may take weeks to process. Read our Liberty Mutual auto insurance review to learn more.

#5 – Allstate: Best for Safety Discounts

Pros

• Up to 40% Off for Safe Driving: Allstate’s Drivewise rewards Illinois drivers with steep discounts for speed control, braking habits, and reduced nighttime driving.
• Drivewise Telematics: Illinois drivers save up to 40% by tracking habits through the Allstate Drivewise app, with an automatic 10% discount just for signing up.
• New Car Replacement Coverage: Illinois drivers with vehicles under two years old receive full replacement cost after a total loss. Find more discounts in our Allstate auto insurance review.

Cons

• Limited SR-22 Support: Illinois drivers needing SR-22 filings face higher premiums and fewer policy options than with other companies.
• Rural Agent Shortage: Smaller Illinois communities have limited access to Allstate agents for claims help.

#6 – Auto-Owners: Best for Mutual Benefits

Pros

• Annual Dividends: As a mutual company, Auto-Owners pays Illinois policyholders dividends on their policies every year, which can be applied to premiums.
• Paid-in-Full Discount: Illinois customers save up to 10% by paying their annual premium upfront.
• High Financial Stability: Auto-Owners’ A++ rating from A.M. Best ensures Illinois policyholders receive secure claims payments.

Cons

• No Online Quotes: Illinois customers must contact local agents directly for pricing information.
• Coverage Area Restrictions: Auto-Owners only operates in select Illinois counties, excluding some ZIP codes. Find coverage near you in our Auto-Owners auto insurance review.

#7 – Farmers: Best for Rideshare Coverage

Pros

• Rideshare Endorsement: Illinois Uber and Lyft drivers are covered while with a customer and between fares.
• Signal App Discount: Illinois drivers save up to 15% for safe driving behavior tracked through the app. Discover everything you need to know about Farmers and Signal app discounts.
• High Financial Stability: Farmers’ A rating from A.M. Best ensures Illinois drivers’ claims are reliably funded.

Cons

• Steep High-Risk Rates: Illinois drivers with major violations pay significantly more despite discounts.
• Limited App Capabilities: The Farmers’ app lacks advanced features for Illinois claims tracking.

#8 – AAA: Best for Roadside Assistance

Pros

• Premier Membership Towing: Illinois members get up to 200 miles of free towing per claim. Check our AAA auto insurance review to see roadside assistance benefits.
• Anti-Theft Device Discount: Illinois drivers with approved theft prevention save on premiums.
• High Financial Stability: AAA’s A rating from A.M. Best ensures Illinois claims are honored consistently.

Cons

• Membership Fees: Illinois drivers must pay annual membership dues in addition to monthly premiums to receive roadside benefits.
• Slow Claims Service: Illinois customers report longer resolution times for multi-car accident claims.

#9 – Safeco: Best for Bundle Savings

Pros

• Home and Auto Bundle: Illinois drivers save up to 15% by combining policies under one account.
• RightTrack Discount: Illinois drivers save up to 30% by enrolling in telematics monitoring. Discover the Safeco auto insurance review for flexible payment options.
• High Financial Stability: Safeco’s A rating from A.M. Best ensures Illinois customers’ claims are fully supported.

Cons

• Limited Direct Agents: Illinois drivers often rely on brokers rather than direct Safeco representatives.
• Lower Claims Satisfaction: Illinois customers rate Safeco below peers on settlement speed and accuracy.

#10 – Travelers: Best for Financial Strength

Pros

• High Financial Stability: Travelers’ A++ rating from A.M. Best ensures Illinois claims are paid without issue.
• IntelliDrive Telematics: Illinois drivers earn up to 20% savings based on monitored driving habits.
• Accident Forgiveness Option: Illinois drivers can purchase this add-on to avoid first-accident rate hikes.

Cons

• Higher Starting Rates: Even with discounts, Illinois auto insurance premiums with Travelers are more expensive than Geico or State Farm. Compare quotes in our Travelers auto insurance review.
• Agent Network Limits: Travelers maintains fewer in-person offices across Illinois compared to larger carriers.