- GEICO offers the cheapest liability at $38/mo.
- Travelers has the cheapest full coverage at $90/mo.
Car insurance quotes in Illinois
The average car insurance rate in Illinois is $1,100 for a six-month policy — 5% cheaper than the U.S. average.[1] But don’t be fooled — your location is just one piece of the puzzle. Car insurance rates in Illinois are shaped by a variety of factors, including your age and driving history.
According to our data, 48% of Illinoisans believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Cheapest liability coverage in IL
- GEICO offered the cheapest liability coverage in Illinois at $38/mo.
See more minimum coverage companies in IL ↓
Cheapest full coverage in IL
- Travelers offers the cheapest full coverage in Illinois at $90/mo.
See more full coverage companies in IL ↓
Best customer service in IL
- Erie Insurance scored 688 in JD Power’s latest study — the highest in Illinois.[3]
See more of the best companies in IL ↓
Cheap liability insurance in Illinois
The average cost for liability insurance in Illinois is $400 for a 6-month policy.[1] For our user profile, GEICO offers the most affordable liability insurance options in the state at $38/mo.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Illinois, a full coverage insurance policy with a $500 deductible costs $1,100, considerably more than liability-only car insurance.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $231 | $38 |
| Travelers | $243 | $40 |
| Auto-Owners | $288 | $48 |
| Erie | $295 | $49 |
| Automobile Club of Missouri | $323 | $54 |
| USAA | $325 | $54 |
| Progressive | $359 | $60 |
| Auto Club Group | $360 | $60 |
| State Farm | $405 | $68 |
| Allstate | $441 | $74 |
| Encompass | $480 | $80 |
| Safe Auto | $485 | $81 |
| Country | $527 | $88 |
| American Family | $603 | $100 |
Cheap full coverage insurance in Illinois
In 2026, the average cost of full coverage insurance in Illinois is $1,100 for a six-month policy. Full coverage is a popular choice here, with 60% of The Zebra’s Illinois customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Travelers — as our latest data shows they have the cheapest rates in Illinois.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $540 | $90 |
| GEICO | $752 | $125 |
| Progressive | $835 | $139 |
| Auto Club Group | $899 | $150 |
| Erie | $908 | $151 |
| USAA | $941 | $157 |
| Automobile Club of Missouri | $1,066 | $178 |
| State Farm | $1,232 | $205 |
| Encompass | $1,236 | $206 |
| Country | $1,271 | $212 |
| Safe Auto | $1,373 | $229 |
| Allstate | $1,417 | $236 |
| American Family | $1,517 | $253 |
Local insights
Drivers near you in Illinois weigh in
“My agent moved us to Auto-Owners Insurance for auto and home a couple years ago after big increases from Travelers. They’ve stayed reasonable.”
-Reddit user on r/Illinois
“Have you tried The General insurance? I have Allstate, however we bundle with homeowner’s insurance and have been with them for 25 years. Just don’t ever let your insurance lapse because the next company will wreck you for it with higher prices.”
-Reddit user on r/Illinois
What are the best car insurance companies in Illinois?
We’ve named Erie Insurance as Illinois’ top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
