Illinois

Best Car Insurance Quotes for 2021

Cheapest for good drivers in Illinois
Cheapest for minimum coverage in Illinois
Cheapest for good drivers with poor credit
Cheapest for drivers with one at-fault crash
Cheapest insurance after a DUI in Illinois
Cheapest insurance after a ticket in Illinois
Cheapest for couples and families in Illinois
Cheapest for young drivers in Illinois
Minimum auto insurance limits required in Illinois

Best Cheap Car Insurance in Illinois for 2021

The average cost of auto insurance in the state of Illinois is slightly less than the national average price is $800-900. Premiums vary depending on your zip code and the total number of at-fault accident claims filed. Also based on your credit and driving history your auto insurance rates will be different from one insurance company to another insurance company. To maximize your return on premium vs insurance coverage and benefit you must shop around in Illinois and MyMoneyMyQuotes is here to help you.

Cheapest for good drivers in Illinois

Following are the cheapest insurance companies for the drivers in Illinois with a good driving record for full coverage and their average rates are:

Geico:$746 per year
State Farm:$1098 per year
Safeco:$631 per year
Pekin:$637 per year
Erie:$874 per year

Having a good credit rating and no recent accidents or violations always helps drivers find best and cheap car insurance rates. MyMoneyMyQuotes team has researched a lot of data to bring you this calculation. These rates are averaged based on following profile details : Men or Women with good credit and a clean driving record and within an age bracket of 38 - 42 year old. Additionally, these driver profiles mostly also have "full coverage" insurance, which includes comprehensive and collision coverages, in addition to state-required coverage. Prices shown may also include various discounts as made available from the insurers in the state including a good driver discount and multi-car discount.

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Cheapest for minimum coverage in Illinois

If you are considering to get the minimum required insurance coverage for Illinois, the following are the cheapest companies and the average rates they offer for drivers with a clean driving record and good credit history.

Geico:$297 per year
Safeco:$253 per year
Pekin:$242 per year
Erie:$309 per year
Country Financial:$373 per year

Having a good credit rating and no recent accidents or violations always helps drivers find best and cheap car insurance rates. We researched and calculated average of these numbers for a driver in an age bracket of 38 - 42 year old, including any discount that the insurance company may offer. It is not recommended to carry minimum mandatory insurance as it may not cover all the expenses from an incident or car accident. Please be very careful if you searching for the cheapest car insurance and make sure you compare few quotes. You can click here to compare cheap car insurance quotes. Review your coverages carefully so you fully understand the types and limits of all coverages that you may wish to purchase.

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Cheapest for good drivers with poor credit

These are the listed cheap insurance with their average rates that provide cheap car insurance to the drivers in Illinois with a clean driving and poor credit record.

Geico:$1510 per year
Safeco:$1188 per year
Travelers:$1812 per year
Pekin:$1208 per year
Country Financial:$1640 per year

Not having a good credit can be challenging to find a good or cheapest car insurance rates. Among other factors, poor credit, DUI or a recent at-fault accident can have major impact to your car insurance rates. MyMoneyMyQuotes team researched and calcuated average rates for drivers within an age bracket of 38 - 42 year old. Average rates calculated here represent drivers with clean driving record, including various discounts as made available by insurance companies. These drivers reported poor credit and include standard "full coverage" car insurance.

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Car Insurance Rates for Illinois


Average Monthly Premium $65.88

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Cheapest for drivers with one at-fault crash

We found these cheap insurance companies with average rates that provide cheap insurance to the drivers who caused a recent at-fault accident.

Geico:$1245 per year
State Farm:$1381 per year
Safeco:$842 per year
Pekin:$859 per year
Erie:$1118 per year

Having a recent at-fault accident can significantly impact your car insurance rate. Even if you get into a relative minor crash, some car insurance companies will charge you much higher rate compared to other insurance companies for the same level of coverage. Therefore it is even more important for drivers with a recent at-fault accident to shop and compare auto insurance rates from multiple insurance companies. You can click here to compare cheap car insurance quotes. We researched and compiled these rates by looking at average car insurance rates for drivers within an age bracket of 38 - 42 year old having a standard "full coverage" car insurance and a recent at-fault accident costing $10,000 in property damage. Remember that usually having a recent at-fault auto accident can not only result into high rates for few years but some insurance companies may even reject coverage. In such cases it is very important to shop and compare auto insurance rates for next few years on a regular basis.

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Cheapest insurance after a DUI in Illinois

MyMoneyMyQuotes team has compiled the data of the cheapest insurers with average rates that provide the cheapest insurance to the drivers in Illinois with a recent DUI on their driving records.

State Farm:$1607 per year
Safeco:$900 per year
Pekin:$1374 per year
Erie:$1362 per year
Country Financial:$1606 per year

Every year, about 11,000 drivers die on roads within US due to crashes involving alcohol. A DUI/DWI results in higher auto insurance premiums. we averaged rates for drivers within an age bracket of 38 - 42 year old with typical "full coverage" insurance and a recent DUI/DWI conviction. It is important to note that every state is different when it comes to DUI/DWI related incodents. For your car insurance premiums, you could end up paying 112% more each year compared to your premium before your conviction. Some insurance companies may even reject for coverage. As car insurance premium rates can vary significantly after a DUI/DWI therefore it is highly recommended to shop around and compare rates. You can click here to find and compare auto insurance rates.

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Cheapest insurance after a ticket in Illinois

After a speeding ticket, a driver can purchase the cheapest insurance from the following companies and their average rates are:

Geico:$918 per year
State Farm:$1267 per year
Safeco:$824 per year
Pekin :$812 per year
Erie:$916 per year

A speeding ticket will surely result in increase in your car insurance premium rates from most insurance companies. MyMoneyMyQuotes analyzed rates for drivers within an age bracket of 38 - 42 year old with typical "full coverage" insurance and a recent speeding ticket on their records. Every insurance company has a different way to consider an evalation of a speeding ticket and how it may impact your car insurance premium rates. We recommend you to shop around and compare rates from atleast three to five insurance companies. We can help you to find and compare car insurance rates. You can click here to find rates from different insurance companies.

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Average Auto Insurance Rates - Illinois

Cheapest for couples and families in Illinois


Best way to find cheapest rates is to always start with comparing rates from atleast three to five insurance companies. It is important to note that an insurance company offering best car insurance rates to single drivers may also offer cheapest rates to a family. Some of the ways, a family could save money is either by combining various policies, completing VIN etching, lowering risk etc...To see what all car insurance companies offer cheapest rates for families, we analyzed car insurance rates for a family with a couple in an age bracket of 45 - 55 year old and may or may not have a teen driver in family.

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Cheapest for a married couple in Illinois

A couple of an age bracket of 48-52 years with good credit record and clean driving history can get cheapest car insurance for two vehicles for full coverage from these insurers:

Geico:$931 per year
Safeco:$814 per year
Travelers:$1683 per year
Pekin:$952 per year
Erie:$1298 per year

By collaborating policies, married or unmarried couples who live with each other can easily get discounts for multi-car and multi-driver. Insurance companies will find less risk in married couples so they offer them insurance at cheap rates. Insurance rates become lower when couples start living together not due to a discount. MyMoneyMyQuotes team has researched married people of an age bracket of 48-52-year-old couples with a spotless record also gets a good driver discount.

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Cheapest for families with a teen in Illinois

A couple of an age bracket of 48-52 per years with a clean driving record and good credit in Illinois can get the cheapest insurance for two vehicles on low rates for full coverage from these insurance companies:

Geico:$2123 per year
Safeco:$1603 per year
Pekin:$1761 per year
Erie:$2244 per year
Country Financial:$2929 per year

There is a significant hike in insurance rates in a married couple's policy when a teen lives with a married couple who have driving experience of 2-3 years. MyMoneyMyQuotes team has researched and analyzed the data on insurance rates of different companies to find which company provides car insurance at cheap rates for teenagers. These insurance rates of various companies are fit for drivers of the 18-year-old age whether they are male or female who lives with a married couple of an age bracket of 48-52 years.

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Cheapest for young drivers in Illinois


For young people, it appears like a mistaken belief to find cheap car insurance these days. MyMoneyMyQuotes team has researched and analyzed the data on the people of an age bracket of 20-25 years in a different state of affairs to find cheap insurance rates for young drivers. Most companies charge higher insurance rates from young drivers than others who have experience in driving more than drivers of the age of bracket of 20-25 years. But few companies are available in the market will charge lower rates than other companies from young drivers.

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Cheapest full coverage for young good drivers

A young driver who wants to buy cheap insurance for full coverage with good credit and spotless driving history can buy insurance from the listed companies and their average rates are:

Geico:$853 per year
State Farm:$1311 per year
Safeco:$760 per year
Pekin:$732 per year
Erie:$1047 per year

Finding cheap car insurance is a very tough task for young people in their 20's, also when they seek full coverage. MyMoneyMyQuotes team has researched and analyzed the rates suitable for people of an age bracket of 20-25 years of both males and females with comprehensive and collision coverages. These rates consider a good discount for drivers and these are also required with leases, active auto loans, etc. For full coverage and cheaper car insurance rates, young people should check some insurance-related quotes and compare the rates of different insurance companies.

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Cheapest minimum coverage for young good drivers

A driver of an age bracket of 20-25years with good credit history and clean driving record can get cheap insurance from the following companies fo minimum required insurance. Average rates for insurance according to these companies are also given:

Geico:$337 per year
State Farm:$453 per year
Safeco:$300 per year
Pekin:$291 per year
Erie:$370 per year

Finding cheap car insurance is a very tough task for young people in their 20's, also when they seek full coverage. MyMoneyMyQuotes team has researched and analyzed the rates suitable for people of an age bracket of 20-25 years of both males and females with comprehensive and collision coverages. These rates consider a good discount for drivers and these are also required with leases, active auto loans, etc. For full coverage and cheaper car insurance rates, young people should check some insurance-related quotes and compare the rates of different insurance companies.

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Poor credit and minimum coverage

Having a poor credit history and a clean driving record, a young driver can get the cheapest insurance on lower rates for the minimum required insurance from these companies:

Geico:$611 per year
Safeco:$500 per year
Allstate:$922 per year
Pekin:$528 per year
Counrty Financial:$697 per year

Having poor credit is very usual for young people in starting who are still constructing their credit reports that can increase insurance rates. To shop around cheap insurance and find information regarding insurance one should check different insurance quotes on insurance and compare them with each other. MyMoneyMyQuotes team has compiled and analyzed the rates for 20-25 years old people whether they are men or women with no past records of violations and accidents who earns good driver discount and having poor credit history in the files of an insurer.

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Cheapest for minimum coverage after a crash

A driver who caused an accident or a crash can easily find insurance for cars on cheap rates from the following companies:

Geico:$533 per year
State Farm:$588 per year
Safeco:$379 per year
Pekin :$389 per year
Erie:$499 per year

MyMoneyMyQuotes team has compiled the data of drivers of an age bracket of 20-25 years males and females having a good credit position and having a recent fault crash costing $1000 in property damage. Car insurance is better after a crash for young drivers. That's why we supposed minimum required insurance to cover the cost for our hypothetical driver. Having a recent fault crash may adversely impact on the car insurance rates. Above mentioned companies may reject you for coverage under different circumstances. People of any age who caused the crash should check auto insurance quotes after several years of an accident when an insurance company lowers their rates.

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Cheapest for minimum coverage after a DUI

A driver with a recent DUI who finds the cheapest insurers can check the average rates of these companies for the minimum required coverage.

State Farm:$692 per year
Safeco:$384 per year
Progressive:$667 per year
Pekin:$675 per year
Erie:$608 per year

Probably, most of the companies provide insurance on higher rates which are quite expensive, so there is a need to find cheap car insurance rates for people having a recent DUI in their driving records. Above mentioned companies can reject you to get coverage under different situations. Before buying insurance you need to spend a good time reading insurance quotes and comparing the rates of different companies. We compiled and analyzed the rates for20-25 years old male and female drivers with a recent DUI conviction. They had a good credit record and minimum required car insurance that helps to lower the rates of insurance.

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Cheapest for minimum coverage and a ticket

These insurers offer the cheapest insurance for minimum coverage to the young drivers in Idaho after speeding a ticket. Average rates for insurance are also given for these companies.

Geico:$400 per year
State Farm:$523 per year
Safeco:$368 per year
Pekin :$377 per year

A speeding ticket is never fun and neither is the higher car insurance bill that received by you after several months. You may not hurt by purchasing a ticket on 3rd and 5th year because at this time you can shop at good rates because the insurer can lower the rates for young drivers of an age bracket of 20-25-year-old having a recent speeding violation for going 16mph over the speed limit to watch the prices for this group.

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Minimum auto insurance limits required in Illinois

In Illinois, it is required to carry liability insurance, uninsured motorist bodily injury coverage(UMBI). These are the minimum coverage limits: 1. Liability coverage for bodily injury for a single person is $25000. 2. Liability coverage for bodily injury per accident is $50000. 3. Liability coverage for property damage per accident is $20000. 4. UMBI for a single person is $25000. 5. UMBI per accident is $50000. It is illegal in Illinois to drive without car insurance. Minimum car insurance is not only sufficient to cover the costs of an accident. You would have to pay for the cost of damages from your own earned money if the expenses of the damage exceed the amount of $20000. So it is good to buy more than the minimum coverage to pay for the damages caused by an accident. Otherwise, you have to pay for the damages from your own pocket.

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