Cheap Car Insurance in Illinois 2019
Average Illinois car insurance premiums by company
| Company (click for reviews) | Average annual premiums in Illinois |
|---|---|
| American National | $1,256 |
| Erie Insurance | $1,275 |
| Travelers Insurance | $1,348 |
| American Alliance | $1,367 |
| Auto-Owners Insurance | $1,411 |
| 21st Century Insurance | $1,435 |
| American Family Insurance | $1,448 |
| AAA Insurance/Auto Club | $1,463 |
| USAA | $1,522 |
| The Hartford | $1,532 |
| State Farm | $1,536 |
| COUNTRY Financial | $1,542 |
| Allied | $1,573 |
| Esurance | $1,587 |
| Farmers Insurance | $1,592 |
| Allstate | $1,597 |
| Progressive | $1,605 |
| Safeco | $1,620 |
| MetLife | $1,620 |
| The General | $1,652 |
| Liberty Mutual | $1,654 |
| Nationwide Insurance | $1,667 |
Insurance increase after a speeding ticket
Illinois drivers who got a speeding ticket see an average insurance increase of 22%, which is less than the national average.
| State | Clean driving record | Speeding ticket | % increase |
|---|---|---|---|
| Illinois | $1,522/year | $1,864/year | 22% |
| Nationwide average | 26% | ||
Insurance increase after an accident
Illinois drivers who caused an accident got an average insurance increase of 27%, less than the national average.
| State | Clean driving record | Chargeable accident, no injury | % increase |
|---|---|---|---|
| Illinois | $1,522/year | $1,930/year | 27% |
| Nationwide average | 36% | ||
Average auto insurance premiums in Illinois cities
| City | Average annual premium |
|---|---|
| Alton | $1,719 |
| Aurora | $1,457 |
| Belleville | $1,539 |
| Bloomington | $1,253 |
| Bolingbrook | $1,653 |
| Champaign | $1,419 |
| Chicago | $1,635 |
| Chicago Heights | $1,577 |
| Decatur | $1,573 |
| Des Plaines | $1,536 |
| East Saint Louis | $1,766 |
| Elgin | $1,618 |
| Evanston | $1,456 |
| Granite City | $1,532 |
| Joliet | $1,462 |
| Moline | $1,345 |
| Naperville | $1,359 |
| Oak Park | $1,726 |
| Peoria | $1,509 |
| Rockford | $1,514 |
| Schaumburg | $1,336 |
| Springfield | $1,400 |
| Waukegan | $1,376 |
You must show an insurance ID card (or other proof of financial responsibility) in Illinois when:
- Law enforcement requests it.
Penalties for not having Illinois auto insurance
- Operating a vehicle without insurance: business offense that carries a fine of $500 to $1,000, as well as a three-month license suspension.
- Operating a vehicle with suspended registration for noninsurance: business offense for the first offense and a misdemeanor for subsequent offenses.
- The penalty for any conviction for operating with a suspended-for-noninsurance registration is a fine of $1,000 to $2,000.
- Use of counterfeit insurance cards is a Class 4 felony.
- Submission of false proof requires suspension of registration for six months and a $200 reinstatement fee.
- Operating a vehicle without insurance: petty offense that carries a fine of $500 to $1,000, except that a person convicted of a third or subsequent violation is guilty of a business offense, and is required to pay a fine of $1,000.
Source: Property Casualty Insurers Association of America
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Aug. 22, 2019
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