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You can find the cheapest car insurance in Illinois with Pekin at average rates of $268/yr for minimum liability coverage and $792/yr for full coverage.
Discover if you are overpaying for car insurance below.
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Key Takeaways:
To help you find those low premiums, we at the MarketWatch Guides team took a deep dive into the best car insurance companies that serve Illinois drivers, including both national and local providers. We evaluated them on their coverage and reputation in addition to their rates in the Prairie State.
In order to help you find the most affordable rates for auto coverage, our team looked over hundreds of rate estimates from dozens of providers using cost estimate data from Quadrant Information Services.
With our comparison partner,
Learn more about our methodology and editorial guidelines.
Overall, Pekin offers the cheapest car insurance rates in the state of Illinois for both minimum liability and full coverage, based on our research. However, this can vary depending on your driving profile.
The table below breaks down the cheapest auto insurance rates in Illinois by coverage and driving profile:
| Cheapest Car Insurance in Illinois (by category) | Company | Average Monthly Premium |
| Minimum Liability Coverage | Pekin | $22 |
| Full Coverage | Pekin | $66 |
| Young Drivers | Pekin*** | $168** |
| Seniors | Geico | $75** |
| After A Speeding Ticket | Pekin | $82** |
| After An Accident | Pekin | $84** |
| After A DUI | State Farm | $121** |
| Bad Credit | Pekin | $125** |
While these companies are the cheapest in Illinois for certain driver profiles, the car insurance quotes you get will vary. To help you see which provider is the cheapest for you, we’ll break it down further using company size, coverage level and more.
In our study of insurance providers, we found these are the cheapest car insurance companies in Illinois:
Click each provider above to learn more about each in more detail. While these are the cheapest in the state, their rates, services and discounts will vary. So we broke down the cheapest companies for both large and midsize companies in Illinois below.
According to J.D. Power, large insurers are ones that have written $4.5 billion or more in direct premiums for personal auto. Travelers, State Farm, Geico, Progressive and Allstate are the cheapest large insurance companies in Illinois. Below, we’ve summarized each:
Read more: Largest Vehicle Insurance Providers
J.D. Power defines mid-size insurers as those that have written between $1 and $4.499 billion in direct premiums for personal auto. The cheapest mid-size insurance companies in Illinois are Pekin, Country Financial, Erie, Auto-Owners and AAA. Below we’ve summarized the pricing information for each:
| Company | Minimum Coverage (Annual) | Full Coverage (Annual) | # of Discounts | Cost Rating (US) | Visit Review |
|---|---|---|---|---|---|
|
$268 | $792 | 10 | Unrated | |
|
$281 | $1,289 | 11 | 9.7 | |
| $385 | $1,527 | 11 | 9.9 | ||
| $345 | $1,535 | 12 | 8.6 | ||
| $498 | $1,489 | 18 | 7.5 |
| Company | Minimum Coverage (Annual) | Full Coverage (Annual) | # of Discounts | Cost Rating (US) | Visit Review |
|---|---|---|---|---|---|
|
|
$268 | $792 | 10 | Unrated | |
|
|
$281 | $1,289 | 11 | 9.7 | |
| $385 | $1,527 | 11 | 9.9 | ||
| $345 | $1,535 | 12 | 8.6 | ||
| $498 | $1,489 | 18 | 7.5 |
For both minimum liability and full coverage car insurance, Pekin offers the cheapest car insurance in the state of Illinois, according to our research. Below, we’ve broken down the cheapest options for both policy coverage levels.
At an average rate of $22 per month or $268 per year, Pekin offers the cheapest minimum liability car insurance rates in Illinois.
| Cheapest Liability Insurance in Illinois | Average Monthly Cost | Average Annual Cost |
| Pekin | $22 | $268 |
| Country Financial | $23 | $281 |
| Auto-Owners | $29 | $345 |
| State Farm | $29 | $348 |
| Erie Insurance | $32 | $385 |
Read more: Cheapest Minimum Liability Car Insurance
We found the cheapest full coverage estimates in Illinois are at average rates of $66 per month or $792 per year from Pekin.
| Cheapest Car Insurance in Illinois | Average Monthly Cost | Average Annual Cost |
| Pekin | $66 | $792 |
| Travelers | $97 | $1,162 |
| Country Financial | $107 | $1,289 |
| State Farm | $114 | $1,363 |
| Geico | $115 | $1,375 |
Read more: Cheapest Full-Coverage Car Insurance
We found that Pekin and Country Financial have the cheapest car insurance for young drivers in Illinois.
Pekin has the cheapest coverage in Illinois for 16-year-olds at an average yearly rate of $2,014.
| Cheapest Car Insurance in Illinois | Average Monthly Rate | Average Annual Rate |
| Pekin | $168 | $2,014 |
| Country Financial | $241 | $2,888 |
| Erie Insurance | $308 | $3,699 |
| Auto-Owners | $351 | $4,211 |
| Geico | $379 | $4,545 |
Read more: Cheap Auto Insurance For 16-Year-Olds
At a rate of $2,534 per year, Country Financial has the cheapest car insurance for 17-year-olds in Illinois.
| Cheapest Car Insurance in Illinois | Average Monthly Rate | Average Annual Rate |
| Country Financial | $211 | $2,534 |
| Erie Insurance | $242 | $2,906 |
| Auto-Owners | $252 | $3,028 |
| Geico | $273 | $3,275 |
| State Farm | $277 | $3,324 |
Note: Costs were taken from 2022 information.
Read more: Cheap Auto Insurance For 17-Year-Olds
At average rates of $1,656 per year or $138 per month, Redpoint County Mutual is the cheapest car insurance in Illinois for 18-year-olds.
| Cheapest Car Insurance in Illinois | Average Monthly Rate | Average Annual Rate |
| Country Financial | $185 | $2,224 |
| Erie Insurance | $224 | $2,692 |
| Auto-Owners | $228 | $2,739 |
| Geico | $230 | $2,756 |
| State Farm | $244 | $2,927 |
Note: Costs were taken from 2022 information.
Read more: Cheap Auto Insurance For 18-Year-Olds
For 19-year-olds, Geico has the cheapest overall in Illinois at an average yearly rate of $2,100.
| Cheapest Car Insurance in Illinois | Average Monthly Rate | Average Annual Rate |
| Geico | $175 | $2,100 |
| Auto-Owners | $199 | $2,393 |
| Erie Insurance | $211 | $2,532 |
| State Farm | $215 | $2,577 |
| Travelers | $237 | $2,845 |
Note: Costs were taken from 2022 information.
Read more: Cheap Auto Insurance For 19-Year-Olds
Geico has the cheapest car insurance for 21-year-olds in Illinois at a monthly rate of $121.
| Cheapest Car Insurance in Illinois | Average Monthly Rate | Average Annual Rate |
| Geico | $121 | $1,453 |
| Country Financial | $140 | $1,684 |
| Auto-Owners | $157 | $1,880 |
| State Farm | $165 | $1,982 |
| Travelers | $174 | $2,090 |
Note: Costs were taken from 2022 information.
Read more: Cheap Auto Insurance For 21-Year-Olds
At average annual rates of $848, Pekin offers the cheapest car insurance in Illinois for 25-year-olds.
| Cheapest Car Insurance in Illinois | Average Monthly Rate | Average Annual Rate |
| Pekin | $71 | $848 |
| Travelers | $104 | $1,248 |
| Geico | $114 | $1,367 |
| Country Financial | $129 | $1,544 |
| State Farm | $136 | $1,630 |
Read more: Cheap Auto Insurance For 25-Year-Olds
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For seniors ages 65-75, Geico has the cheapest car insurance in Illinois. Below we’ll break down the lowest-rate companies for this age group for full coverage.
Read More: Cheapest Auto Insurance For Seniors
At average rates of $816 per year, Geico offers the cheapest car insurance in Illinois for 65-year-olds.
| Cheapest Car Insurance in Illinois | Average Monthly Rate | Average Annual Rate |
| Geico | $68 | $816 |
| Country Financial | $80 | $964 |
| Erie Insurance | $90 | $1,082 |
| State Farm | $92 | $1,102 |
| Auto-Owners | $95 | $1,134 |
Note: Costs were taken from 2022 information.
Geico has the cheapest car insurance in Illinois for 75-year-olds at an average annual rate of $978.
| Cheapest Car Insurance in Illinois | Average Monthly Rate | Average Annual Rate |
| Geico | $82 | $978 |
| Country Financial | $95 | $1,145 |
| State Farm | $107 | $1,280 |
| Travelers | $116 | $1,393 |
| Auto-Owners | $118 | $1,416 |
Note: Costs were taken from 2022 information.
High-risk drivers with a bad driving history or low credit in Illinois can find the cheapest car insurance rates with Pekin. In the tables below, we’ll detail the cheapest providers for different driver profiles that are considered high-risk to insurers.
Read More: Best Auto Insurance For High-Risk Drivers
At an average rate of $986 per year, Pekin offers the cheapest car insurance in Illinois for those with at least one speeding ticket.
| Cheapest Car Insurance in Illinois | Average Monthly Rate | Average Annual Rate |
| Pekin | $82 | $986 |
| State Farm | $121 | $1,456 |
| Travelers | $123 | $1,474 |
| Country Financial | $140 | $1,674 |
| Erie Insurance | $141 | $1,693 |
Read More: Best Cheap Speeding Ticket Car Insurance
Pekin has the cheapest Illinois car insurance for drivers who experienced a recent accident with average rates of $1,013 annually.
| Cheapest Car Insurance in Illinois | Average Monthly Rate | Average Annual Rate |
| Pekin | $84 | $1,013 |
| Travelers | $127 | $1,521 |
| State Farm | $130 | $1,563 |
| Country Financial | $148 | $1,781 |
| Auto-Owners | $156 | $1,866 |
Read More: What Is Accident Forgiveness?
At State Farm, you can find the cheapest auto insurance rates in Illinois for drivers with a DUI with an average pricing of $1,456 per year.
| Cheapest Car Insurance in Illinois | Average Monthly Rate | Average Annual Rate |
| State Farm | $121 | $1,456 |
| Pekin | $132 | $1,587 |
| Travelers | $138 | $1,656 |
| Country Financial | $157 | $1,883 |
| Progressive | $191 | $2,291 |
Redpoint County Mutual offers the cheapest auto insurance in Illinois for drivers with bad credit ataverage rates of $1,506 per year.
| Cheapest Car Insurance in Illinois | Average Monthly Rate | Average Annual Rate |
| Pekin | $126 | $1,506 |
| Travelers | $146 | $1,747 |
| Country Financial | $152 | $1,824 |
| AAA | $208 | $2,496 |
| Geico | $241 | $2,897 |
Read More: Cheapest Car Insurance For Bad Credit
When looking for the cheapest car insurance in Illinois, we recommend that you compare multiple providers. Look for companies with a balance of good coverage options, customer service ratings, pricing and discounts you can qualify for.
Read More: How To Save On Auto Insurance
Below you can get personalized cheap auto insurance quotes for your area in Illinois.
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When getting a quote from an auto insurance provider, companies determine rates based on your characteristics as a driver, your vehicle and more. Summarized below are the factors they consider.
Here are the main factors insurance providers use to determine premiums in Illinois:
Read More: Compare Auto Insurance
Below are the car insurance discounts available with our top picks for the cheapest car insurance in Illinois:
| Illinois Car Insurance Discounts | Pekin | Country Financial | Travelers | State Farm | Geico |
| Multi-policy | ✔ | ✔ | ✔ | ✔ | ✔ |
| Multi-vehicle | ✔ | ✔ | ✔ | ✔ | ✔ |
| Safe driver | ✔ | ✔ | ✔ | ✔ | |
| Good Student | ✔ | ✔ | ✔ | ✔ | ✔ |
| Defensive driving | ✔ | ✔ | ✔ | ✔ | |
| Driver training | ✔ | ✔ | ✔ | ||
| New vehicle | ✔ | ✔ | |||
| Car safety equipment | ✔ | ✔ | ✔ | ✔ | |
| Loyalty | ✔ | ✔ | ✔ | ✔ | ✔ |
| Military | ✔ |
Here’s more information on some of the standard types of discounts offered by car insurance companies:
For those who would like to know about the cheapest auto insurance in Illinois, the sections below contain more detailed information.
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According to our rate estimates, full car insurance coverage costs an average of approximately $1,541 per year or $128 per month in the state of Illinois. Minimum liability car insurance costs an average of $441 per year or $37 per month.
Based on our nationwide study of rate data, Illinois is the eighth cheapest state overall for car insurance in the United States. For minimum liability coverage, it ranks as the 14th cheapest, and for full coverage it is the sixth cheapest. Below, you can compare rates in each state to put this in perspective.
| State | Average Annual Minimum-Liability Premium | Average Annual Full-Coverage Premium |
| Alabama | $502 | $1,775 |
| Alaska | $486 | $1,685 |
| Arizona | $635 | $2,008 |
| Arkansas | $451 | $2,038 |
| California | $602 | $2,313 |
| Colorado | $566 | $2,173 |
| Connecticut | $980 | $1,919 |
| Delaware | $1,194 | $2,881 |
| Florida | $1,385 | $3,244 |
| Georgia | $680 | $1,973 |
| Hawaii | $529 | $1,656 |
| Idaho | $378 | $1,402 |
| Illinois | $441 | $1,541 |
| Indiana | $432 | $1,587 |
| Iowa | $274 | $1,563 |
| Kansas | $475 | $1,918 |
| Kentucky | $682 | $2,522 |
| Louisiana | $925 | $3,040 |
| Maine | $380 | $1,238 |
| Maryland | $901 | $1,833 |
| Massachusetts | $754 | $2,430 |
| Michigan | $1,360 | $3,643 |
| Minnesota | $481 | $1,766 |
| Mississippi | $453 | $1,658 |
| Missouri | $560 | $2,104 |
| Montana | $398 | $1,979 |
| Nebraska | $356 | $1,871 |
| Nevada | $1,283 | $2,788 |
| New Hampshire | $415 | $1,362 |
| New Jersey | $1,332 | $2,513 |
| New Mexico | $536 | $1,943 |
| New York | $870 | $2,088 |
| North Carolina | $469 | $1,627 |
| North Dakota | $445 | $1,916 |
| Ohio | $536 | $1,599 |
| Oklahoma | $516 | $2,278 |
| Oregon | $953 | $1,925 |
| Pennsylvania | $437 | $1,981 |
| Rhode Island | $1,036 | $2,357 |
| South Carolina | $701 | $1,845 |
| South Dakota | $328 | $2,291 |
| Tennessee | $404 | $1,524 |
| Texas | $683 | $2,205 |
| Utah | $732 | $1,928 |
| Vermont | $310 | $1,199 |
| Virginia | $545 | $1,781 |
| Washington | $561 | $1,616 |
| Washington D.C. | $686 | $2,218 |
| West Virginia | $604 | $2,177 |
| Wisconsin | $408 | $1,694 |
| Wyoming | $308 | $1,702 |
Read More: Car Insurance Rates By State
Your age is one of the biggest factors in your insurance premiums. In general, younger drivers pay much higher premiums than drivers from other age groups, with teen drivers paying the highest rates on average. The table below shows the average rate estimates for different ages of Illinois drivers.
| Age | Average Monthly Cost | Estimated Annual Cost |
| 16 | $451 | $5,409 |
| 25 | $150 | $1,799 |
| 35 | $128 | $1,541 |
| 45 | $120 | $1,440 |
| 55 | $111 | $1,326 |
Car insurance rates vary from state to state, but they also vary within states due to different risk factors. The following table shows the average estimated rates for the 25 biggest cities and towns in Illinois.
| City in Illinois | Average Monthly Cost | Estimated Annual Cost |
| Bloomington | $109 | $1,309 |
| Champaign | $110 | $1,319 |
| Springfield | $120 | $1,442 |
| Peoria | $121 | $1,454 |
| Naperville | $123 | $1,471 |
| Rockford | $123 | $1,476 |
| Aurora | $125 | $1,503 |
| Palatine | $128 | $1,534 |
| Arlington Heights | $128 | $1,539 |
| Elgin | $128 | $1,532 |
| Elmhurst | $129 | $1,546 |
| Zion | $130 | $1,557 |
| Waukegan | $131 | $1,577 |
| Schaumburg | $134 | $1,612 |
| Joliet | $137 | $1,644 |
| Bolingbrook | $137 | $1,647 |
| Mount Prospect | $137 | $1,645 |
| Orland Park | $138 | $1,653 |
| Evanston | $139 | $1,666 |
| Des Plaines | $142 | $1,704 |
| Oak Lawn | $148 | $1,775 |
| Berwyn | $159 | $1,907 |
| Skokie | $164 | $1,965 |
| Chicago | $168 | $2,013 |
| Cicero | $180 | $2,161 |
Note: Costs were taken from 2022 information.
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 town in Illinois.
Most states have their own required coverage limits that all drivers must meet to drive legally. According to the Illinois Department of Insurance (IDOI), drivers in the state must meet the following minimum coverage requirements:
Illinois state law does not require drivers to carry collision coverage, comprehensive coverage or medical payments coverage, but we recommend these policies to ensure you and your vehicle are protected in a number of situations.
If you’re a business looking for commercial auto insurance, there are specific requirements in the state of Illinois. Below are their requirements for coverage:
Read More: Best Commercial Auto Insurance
The state of Illinois has a government-backed auto insurance option called the Illinois Auto Insurance Plan (ILAIP). This plan is a coverage option to those who are likely unable to get car insurance coverage from private providers due to their driving record or other factors. All insurance carriers in the state are required to provide this coverage option. In order to qualify:
If you’re a state employee in Illinois using state-owned or leased vehicles for business, you’ll have free coverage up to two million dollars per occurrence on a combined single limit. When you get in an accident, you must file claims through a written report in a specific format and give it to the plan administrator.
In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Illinois. We also looked at the state’s average cost of car insurance and coverage requirements.
Below are some frequently asked questions about cheap car insurance in Illinois:
On average, car insurance in Illinois costs around $1,541 per year, or $128 per month for full coverage, according to our rate estimates. For a minimum coverage policy, the cheapest car insurance option for Illinois drivers, the average estimate is around $441 per year or $37 monthly, we found.
Illinois auto insurance follows the car rather than the driver. Drivers who are permitted to use the car, such as family members and anyone under the owner’s insurance, are covered in the case of an accident.
Illinois law mandates all drivers carry proof of insurance to show they meet the state minimum liability insurance requirements. If you don’t have proof of insurance with you during a traffic stop, you may receive a citation.
The minimum requirements for auto insurance in Illinois are:
Yes, car insurance is cheaper in Illinois compared to the national average for full coverage auto insurance. The average annual cost of full coverage car insurance in Illinois is $1,541, which is 23% lower than the national average of $2,008.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
Our credentials:
800 hours researched
45 companies reviewed
8,500+ consumers surveyed
*Data accurate at time of publication.
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