Luis Pazos 
Many companies offer car insurance in Illinois, but too many choices can be overwhelming. That’s why we’ve put together this guide to the best car insurance in Illinois. We’ve narrowed down the options from over 30 companies to just eight, based on premium rates, customer satisfaction, financial strength, and policy options and discounts.
Start by comparing coverage and rates among multiple companies. Use the quote tool below to get your started.
Key Factors When Comparing Car Insurance in Illinois
Shopping for car insurance in Illinois can be tough because there are so many companies. Here’s how to find the right one for you:
- Compare Your Premium with the Statewide Average: Illinois car insurance averages $1,296 per year. Most companies on our list have lower averages, giving you a good starting point.
- Look for Discounts: Discounts are essential. The company with the lowest average premium might not always be the best for you. Look for the one with the most discounts you qualify for.
- Bundle and Save: Many companies offer discounts if you bundle with other types of insurance like homeowner’s or renter’s insurance.
- Raise Your Deductible: If you’re struggling to find affordable insurance, consider increasing your deductible from $500 to $1,000. Just ensure you have enough in your emergency fund to cover the higher out-of-pocket cost in case of an accident.
The 8 Best Car Insurance Companies in Illinois
There’s no one-size-fits-all for car insurance. Different companies have their own strengths and specializations. Here are the top picks based on our analysis:
1. The Hartford
- Premiums: $862
- Customer satisfaction rating: 886
- Financial strength rating: A+
- Why We Recommend It: The Hartford has the lowest average premiums and is the top choice for drivers over 50, especially AARP members. It offers lifetime renewability as long as you maintain a valid driver’s license and pay premiums.
- Weakness: Limited discounts.
2. Erie Insurance
- Premiums: $1,458
- Customer satisfaction rating: 912
- Financial strength rating: A+
- Why We Recommend It: Second lowest premiums and unique offerings like pet coverage and personal item coverage.
- Weakness: Rate Lock may not be as effective if you make changes to your policy.
3. State Farm
- Premiums: $1,481
- Customer satisfaction rating: 835
- Financial strength rating: A++
- Why We Recommend It: Offers rideshare driver coverage and various discounts.
- Weakness: No gap coverage.
4. Cincinnati Insurance
- Premiums: $1,278
- Customer satisfaction rating: 870
- Financial strength rating: A+
- Why We Recommend It: Third lowest premiums and comprehensive auto insurance plans.
- Weakness: Lower customer service ranking and fewer discounts.
5. Auto-Owners Insurance
- Premiums: $1,049
- Customer satisfaction rating: 822
- Financial strength rating: A++
- Why We Recommend It: Competitive premiums and versatile policy options.
- Weakness: Limited geographic availability.
6. Geico
- Premiums: $1,353
- Customer satisfaction rating: 824
- Financial strength rating: A++
- Why We Recommend It: Above-average financial strength and customer service ratings.
- Weakness: No gap insurance and some coverages through partners.
7. Progressive
- Premiums: $687
- Customer satisfaction rating: 822
- Financial strength rating: A+
- Why We Recommend It: Numerous discounts and the Name Your Price tool for customizable premiums.
- Weakness: Below-average customer satisfaction.
8. Branch
- Premiums: Not available
- Customer satisfaction rating: 5-star with BBB
- Financial strength rating: A+
- Why We Recommend It: Fast quotes and hassle-free approach, with special coverage for rideshare drivers.
- Weakness: Fewer available discounts.
How We Evaluated the Best Car Insurance in Illinois
We considered the following factors:
- Policy Options: Beyond the basic required coverages.
- Discounts: The more substantial, the better.
- Premiums: Based on average rates provided by reliable sources.
- Customer Satisfaction: Ratings from J.D. Power’s study.
- Financial Strength: Ratings from A.M. Best, ensuring the ability to pay claims.
What You Need to Know About Car Insurance Laws in Illinois
State laws and requirements include:
- Minimum Insurance Requirements: “25/50/20” for bodily injury and property damage.
- Additional Required Coverage: Uninsured Motorist and Underinsured Motorist coverage.
- Optional Coverage: Includes collision, comprehensive, gap, and more.
If you have a vehicle loan or lease, your lender will likely require collision, comprehensive, and possibly gap coverage.
Summary: Best Car Insurance in Illinois
We hope this guide helps you find the best car insurance company based on your needs and qualifications. Compare your options and get started today.
