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Illinois State Minimum Auto Insurance Requirements, Average Rate, & a Comparison of Affordable Insurers

Auto Insurance Minimum Requirements in Illinois

CoverageIllinois Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$25,000$25,000
Uninsured Motorist Coverage$25,000 / $50,000$25,000 / $50,000
Comprehensive CoverageOptional$500 - $1,000 deductible
Collision CoverageOptional$500 - $1,000 deductible

Bodily Injury Liability

In the event that an individual is known to be at fault in an accident, bodily injury responsibility covers the hospital costs of the other concerned people.

If minimum coverage is purchased, an insurer will pay up to $20,000 per head up to a grand total of $40,000 for all passengers per accident.

Affordable insurance firms for 25 year old driver in Illinois.

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Note: The lowest insurance premiums for a 25 year old driver in Illinois are Unique, Progressive, and State Farm. All 5 insurers illustrated are more than 20% below the “mean” rate in the state of Illinois.

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Property Damage Liability

Property damage liability covers damages to somebody’s automobile as well as buildings, guard rails, or other public property.

With minimum coverage, an insurer will pay out up to $15,000 to cover property damage costs.

Cheapest insurers for 30 y/o driver in IL

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Note: The lowest price insurers for a 30 year old are Progressive and Unique. For a driver with a good driving history any of the 5 illustrated would be competitive choices.

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As with most states Illinois has mandatory car insurance minimums set at 20/40/15 and each number is in thousands represented respectfully by the figures above.

To drive legal in the state you have to have a valid driver’s license, proof of insurance, and you have to keep the insurance card on you or in your vehicle at all times.

In tort states like Illinois, each time an automobile accident happens, law enforcement and each auto insurance corporation will decide which driver caused the crash.

Low-cost insurers for 35 y/o unique, progressive, and State Farm.

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Note: For a 35 year old driver in Illinois all 5 insurers illustrated are competitive choices. Each clustered around the $750 to $800 range. A family of 4 would find cheaper ranges by comparing Unique and Progressive.

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In the opinion of the laws of the state, the individual essentially accountable for causing the crash will be needed to pay the doctor’s bills for those needing medical treatment. Any repair bills to the automobile will have to be paid too.

Cheapest Insurers by Rate and Age

The table below outlines the cheapest insurers by age from 25 to 55 years old. Each aged driver had one driving violation, good credit, and single.

RankIllinois Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1Unique$1,156$843$746$623$599$551
2Progressive$1,166$845$756$645$610$511
3State Farm$1,178$876$789$678$623$523
4Lighthouse$1,200$903$800$688$609$554
5GEICO$1,212$933$803$690$647$556
6Rockford Mutual$1,267$979$843$734$608$558
7MetLife $1,288$1,004$843$721$700$675
8Amica$1,299$1,049$854$743$708$558
9Nationwide$1,376$1,111$879$789$711$590
10The Cincinnati$1,487$1,123$909$800$721$595
1121st Century$1,499$1,176$913$801$705$600
12Allstate$1,512$1,188$943$785$706$643
13Esurance$1,587$1,190$956$789$709$658
14SECURA$1,634$1,243$990$805$743$634
15Pekin Insurance$1,655$1,256$1,000$865$765$689
16Auto Owners$1,689$1,276$1,009$876$777$699
17Farmers$1,699$1,289$1,046$832$778$694
18State Auto$1,745$1,293$1,090$843$793$711
19Liberty Mutual$1,832$1,300$1,147$909$799$699
20Hastings Mutual$1,865$1,366$1,176$987$800$699
21Ameriprise$1,865$1,409$1,198$999$800$701
22The General$1,887$1,476$1,276$1,032$825$733
23Mercury$1,900$1,488$1,300$1,098$876$738
24American Freedom$2,087$1,632$1,289$1,154$878$745
25Kemper Specialty$2.132$1,689$1,345$1,187$903$784
26Grange$2,432$1,902$1,344$1,165$898$744

Lowest premium rates for a 40 year old driver in IL

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Note: Once again the cheapest rates for a 40 year are from Unique and Progressive. Both at $623 and $645 respectfully are 22% lower than the average rate.

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Local Cities in Illinois & Avg Rate

This city table (and the other below) outlines the average “mean” rate of all drivers of the city. This would include all drivers no matter the driving history, good or bad credit, etc., to come to the mean (average) rate of the city.

CityAvg RatePopulationCityAvg RatePopulationCityAvg RatePopulation
Aurora$1,420197,899Des Plaines$1,53858,364Peoria$1,711115,007
Belleville$1,28744,478Elgin$1,387108,188Quincy$1,64240,633
Berwyn$1,34256,657Elmhurst$1,39344,121Rockford$1,587152,871
Champaign$1,63281,055Evanston$1,47674,486Springfield$1,409116,250
Chicago$1,9202,695,598Moline$1,42243,483Waukegan$1,36589,078
Crystal Lake$1,82140,743Naperville$1,476141,853Wheaton$1,47752,894

Comprehensive & Collision Coverage

Since Illinois has major cities such as Chicago, Rockford, Peoria, and Cicero, it would be a good idea to carry comprehensive cover. This is also called “non-collision” coverage and will protect your vehicle from damage cause by natural disasters which could happen in the Illinois since there can be heavy rains, winds, and snow during the winter season.

Lowest rates for a 45 year old driver in IL

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The cheapest car insurance for a 45 year old driver can be found with Unique, Lighthouse, and Progressive. Each are more than 21% lower than the “mean” rate. State Farm and GEICO are competitive too.

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Uninsured Motorist Protection & GAP Insurance

Other coverage to consider when comparing insurance quotes is collision, uninsured motorist protection, and, if your have financed your vehicle, Gap insurance.

If you use our system to deliver quotes, once you have found three to compare, be sure to call the broker or agent to ask about any discounts available. Safe neighborhoods could offer lower rates. According to Safewise some of the safest cites are Lake Forest, Campton Hills, Chester, and Winfield.

Affordable car insurance for a 55 year old driver.

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The best choices for a 55 year old driver in Illinois are State Farm and Progressive. Each near the $500 mark for a driver with good driving history. Lighthouse, Unique, and GEICO clustered at the $550 mark which makes them competitive too.

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Use of Credit Scores to Determine Your Rate

If you have a good credit score then your insurance rates are going to be lower since is shows fiscal responsibility to the insurer. If you credit score is not high then you can communicate to the insurer you are attempting to improve your score by letting them know you are paying your bills on time now.

Using credit scores to determine your insurance rate is highly debated, however, insurance firms believe if you pay your bills on time then your are more responsible and less likely to get into an accident.

One of the best ways to lower your premium is to take a defensive driver course which tells the insurer you are serious about safe driving and more responsible. This would be a good way to off-set the possible lower credit score scenario for other drivers.

Insurance Resources & DMV Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
320 W Washington St, Springfield, IL 62701
(217) 782-4515
2300 S Dirksen Pkwy, Springfield, IL 62764
(217) 782-7820
2701 S Dirksen Pkwy, Springfield, IL 62723
(217) 782-6212
WebsiteWebsiteWebsite

Less Popular Cities & Avg Rate

CityAvg RatePopulationCityAvg RatePopulationCityAvg RatePopulation
Alton$1,32127,865East St. Louis$1,18827,006North Chicago$1,41132,574
Batavia$1,15426,045Freeport$1,23725,638Park Ridge$1,48737,480
Calumet City$1,18937,042Geneva$1,30121,495Rolling Meadows$1,45124,099
Carbondale$1,20825,902Granite City$1,18929,849St. Charles$1,48732,974
Charleston$1,31121,838Kankakee$1,48727,537Sycamore$1,58717,519
Chicago Heights$1,56730,276Lincoln$1,30514,504Taylorville$1,51811,246
Crest Hill$1,58720,837Marion$1,41917,193West Chicago$1,86727,086
Danville$1,38833,027Morris$1,53213,636Wood Dale$1,39913,770
East Peoria$1,30023,402Mt Vernon$1,50315,277Yorkville$1,25316,921

Chicago, IL

Chicago Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Unique$1,090$723
Progressive$1,099$743
Lighthouse$1,187$788
State Farm$1,190$865
GEICO$1,256$879
Hartford$1,287$912

With its proximity to Lake Michigan, the “Windy City” has a huge amount of water-related and outdoor leisure-time activities. There are over 30 beaches, 16 historic lagoons, and nine lakefront harbors. Outdoor enthusiasts can enjoy bird and wildlife gardens and thousands of special events, sports and entertaining programs.

Chicago is the only city to host two (2) MLB baseball teams, the Chicago Cubs and White Sox. Basketball, Football, and Hockey fans love Chicago with the plethora of sports events throughout the year.

Navy Pier just east of Chicago’s downtown, has long been a Chicago landmark for residents and tourists during the spring, summer, and fall months. Navy Pier attractions include a unique collection of old “chicago-style” restaurants and quaint shops in addition to excellent recreational and exhibition facilities.

The average car insurance rate in Chicago is about $1,900 per year. As illustrated we were able to find rates below the $1,100 mark with two insurers, Unique and Progressive. For a 45 year old driver the lowest premiums are found with Unique and Progressive. All of the insurers illustrated in the table are more than 34% below the city “average” rate. For any driver it would be smart to compare all the insurance firms listed in the table.

Aurora, IL

Aurora Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Unique$978$731
Hartford$1,005$730
Progressive$1,154$843
State Farm$1,199$821
Lighthouse$1,243$896
GEICO$1,288$904

Aurora has a ton of attractions, including several museums, water parks, and trails for outdoor enthusiasts. A big attraction, The Hollywood Casino, has over 53,000 square feet of gaming space and a robust collection of movie memorabilia. Other cool and notable attractions are African-American Heritage Museum & Black Veterans Archives, Sunken Garden, Blackberry Farm’s Pioneer Village, Schingoethe Center for Native American Cultures.

Aurora is known as the “city of lights” since it was the first city in the United States to use electric lights for lighting all the city streets.

Finding cheap car insurance has been easy in Aurora if you know where to look. The lowest rates are found with Unique at $978, then Hartford at $1,005, followed by Progressive at $1,154. Each of the insurers are 24% below the median rate of $1,430 per year for a 30 year old driver.

A 45 year old driver can find rates well below the $800 mark. For a competitive comparison and the best coverage for low cost it would be wise to get quotes from all insurance firms.

Rockford, IL

Rockford Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Unique$932$689
Hartford$1,012$743
Lighthouse$1,087$789
GEICO$1,099$843
Progressive$1,121$857
State Farm$1,233$939

Rockford is robust city with over 150,000 residents making it the 3rd most populated city in the state of Illinois. During the first half of the 20th century, Rockford was a major industrial and manufacturing center for the state of Illinois and the U.S.

During the 50’s, 60’s, and 70’s the city took a major hit economically and has since has rebounded to its former glory. Today Rockford features an abundance of professional and business services, making the city a thriving commercial center as well as a cultural and entertainment hub.

You can find affordable auto insurance in Rockford with Unique, Lighthouse, and GEICO. Unique by far being the lowest at $932 for a 30 year old driver. Since the average rate in Rockford is nearly $1,300 per year a premium with Unique would save you more than 34% annually.

A 45 year old driver would do well by comparing Lighthouse, Hartford, and Unique. Each of them clustered between $689 to $789 per year. For a family of 4, it would be wise to get quotes from Lighthouse and Hartford plus the top insurers such as GEICO and State Farm.

Naperville, IL

Naperville Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
State Farm$993$876
Hartford$1,044$843
Unique$1,067$902
GEICO$1,143$906
Lighthouse$1,187$987
Progressive$1,276$1,021

Naperville began to experience a population surge in the 1960s and 70’s which continued through the end of the 20th century. Coinciding with the urban sprawl from the Chicago metropolitan area which introduced several large corporations, employment, and prosperity to the area. Naperville has been named “Best Places to Live” in Illinois by numerous magazines and publications.

Attractions throughout the year include, DuPage Symphony Orchestra, Millennium Carillon, Magical Starlight Theater, and DuPage children’s Museum.

The cheapest insurance rates can be found with Lighthouse, State Farm and Unique at $1,003, $1,032, $1,089 respectfully. A 45 year old driver can find low rates with the same companies. The average rate in the city of Naperville is $1,290 per year. With each of the insurers we queried you would find savings of 14%.

Elgin, IL

Elgin Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Lighthouse$1,003$888
State Farm$1,032$899
Unique$1,089$956
Hartford$1,143$987
GEICO$1,165$1,001
Progressive$1,207$1,022

Within the metro area of Chicago is a quaint city named Elgin which has population of approximately 120,000 residents. Some of the top attractions for families and outdoor enthusiasts include ‘

  • Ferson Creek Fen Nature Preserve

  • Santa’s Village – Illinois

  • Historical Radio Museum

  • Fox River Trolley Museum

The lowest premiums for a 30 year old driver are found with State Farm, Lighthouse and Unique. All of them are below $1,100 per year. This is more 23% lower than the average rate of $1,478 in the city of Elgin.

A 45 year old driver can find the same low rates with the same three including The Hartford. All four are less than $1,000 for a driver with a fairly clean driving history.

Springfield, IL

Springfield Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Lighthouse$976$846
Unique$1,054$896
State Farm$1,094$943
Hartford$1,187$1,004
GEICO$1,276$1,056
Progressive$1,289$1,089

Springfield is know for attracting shoppers from all over the nation. With big-city department stores, fashion stores, and small boutiques residents and travelers usually spend a fair amount of time in the shopping district of Springfield.  

After a day of shopping, dining is an attraction for all with a unique ‘horseshoe’ sandwich and the popular Cozy Dog. Quaint cafes, fast-food, and neighborhood fare sprawl throughout the city making Springfield a top place to visit in the state of Illinois.

The average auto insurance rate in Springfield is over $1,400 per year. With Lighthouse, Springfield, and State Farm you can find more than 30% in savings for a 30 year old driver. The Hartford, GEICO, and Progressive shouldn’t be counted out either since their rates are 22% lower than Springfield’s average rate.

A 45 year old driver would find substantial savings by comparing all five the insurers illustrated. A driver with clean driving history would find rates from $846 to $1,089. This is 16% lower than the median rate for a driver of that age.

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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