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Illinois Least Expensive Auto Insurance & Minimum Coverage Requirements, plus Cost-Saving Strategies

In my analysis of over 20 of the cheapest auto insurance companies in the state of Illinois.

The overall least expensive are Unique, Progressive, and State Farm.

Depending the city you reside in, you should be able to find quotes from 21% to 34% lower than the average premium.

Other carriers you want on your list to get quotes are Lighthouse, GEICO, and Rockford Mutual.

Each of them are able to provide quotes from 10% to over 20% lower than the average rate.

Out of the 6 carriers, you will have blend of national and regional carriers to find the most savings.

In this article I am going to cover the minimum requirements in Illinois, cost-saving strategies, and the least expensive car insurance companies by age. 

If you would like to skip to a certain portion of the article, please use the table of contents down a little and to the right.

Affordable insurance firms for 25 year old driver in Illinois.Note: The lowest insurance premiums for a 25-year-old driver in Illinois are with Unique, Progressive, and State Farm. I queried each at $1,156, $1,166, and $1,178 per year. All 5 insurers illustrated are more than 20% below the “mean” rate in the state of Illinois.

Auto Insurance Minimum Requirements in Illinois

CoverageIllinois Minimum Liability CoverageRecommended 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 liability covers the hospital costs of the other people involved in the accident.

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.

Property Damage Liability

Property damage liability covers damages to automobiles 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 ILNote: The lowest price insurers for a 30-year old are Unique and Progressive. I queried each at $843 and $845 per year. For a driver with a good driving history any of the 5 illustrated would be competitive choices.

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 coverage, 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.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 quotes by comparing Unique and Progressive.

In the opinion of the laws of the state, the individual accountable for causing the accident will be paying the doctor’s bills for those needing medical treatment.

Any repair bills to the automobile will have to be paid too.

Cheapest Car Insurance by Rate & Age in Illinois

The table below outlines the cheapest insurers in Illinois for drivers from 25 to 55 years of age.

Unique, Progressive, and State Farm are able to offer quotes 21% to 34% lower than the median rate for drivers of similar age and profile.

Another carrier which isn’t in the top 3 overall, but was numerous times when querying for local zip codes, is Lighthouse.

Lighthouse is able to offer quotes from 16% to 32% lower depending on your age and profile.

GEICO and Rockford Mutual are able to offer quotes from 10% to over 20% lower than average.

Two other carriers you would want to put on your bucket list to get quotes are Nationwide and Farmers.

Both carriers at times were able to go head-to-head with Unique, Progressive, or Lighthouse depending on your age, vehicle type, and profile. 

Each aged driver had one driving violation, good credit, and single.

Illinois CompanyAnnual Rate 25 Y/O Driver30 Y/O Driver35 Y/O Driver40 Y/O Driver45 Y/O Driver55 Y/O Driver
Unique$1,156$843$746$623$599$551
Progressive$1,166$845$756$645$610$511
State Farm$1,178$876$789$678$623$523
Lighthouse$1,200$903$800$688$609$554
GEICO$1,212$933$803$690$647$556
Rockford Mutual$1,267$979$843$734$608$558
MetLife $1,288$1,004$843$721$700$675
Amica$1,299$1,049$854$743$708$558
Nationwide$1,376$1,111$879$789$711$590
The Cincinnati$1,487$1,123$909$800$721$595
21st Century$1,499$1,176$913$801$705$600
Allstate$1,512$1,188$943$785$706$643
Esurance$1,587$1,190$956$789$709$658
SECURA$1,634$1,243$990$805$743$634
Pekin$1,655$1,256$1,000$865$765$689
Auto Owners$1,689$1,276$1,009$876$777$699
Farmers$1,699$1,289$1,046$832$778$694
State Auto$1,745$1,293$1,090$843$793$711
Liberty Mutual$1,832$1,300$1,147$909$799$699
Hastings Mutual$1,865$1,366$1,176$987$800$699
Ameriprise$1,865$1,409$1,198$999$800$701
The General$1,887$1,476$1,276$1,032$825$733
Mercury$1,900$1,488$1,300$1,098$876$738
American Freedom$2,087$1,632$1,289$1,154$878$745
Kemper Specialty$2.132$1,689$1,345$1,187$903$784
Grange$2,432$1,902$1,344$1,165$898$744

Lowest premium rates for a 40 year old driver in ILNote: Once again the cheapest rates for a 40-year old are from Unique and Progressive. Both at $623 and $645 respectfully per year. Which is over 28% lower than the average rate. State Farm and Lighthouse offer competitive prices with quotes at $678 and $688 respectfully per year.

Best Carriers by Consumer Rating, Rate Change, & Complaints

Below I have outlined over 20 carriers with the amount of written premiums, rate change, complaints, and consumer rating.

The carrier with the highest amount of written premiums in Illinois is State Farm.

Of course they have more complaints which is to be expected.

However, the compliant ratio is low.

The percentage rate change ranges from 2.4% to 4% depending on the company.

This is normal.

If you get a traffic violation the rate change could increase dramatically.

Lighthouse, Unique, and Rockford Mutual are not on the list since there isn’t any reliable data.

They are registered with the state to do business as an insurer.

Consumer ratings are averaged data from reputable online sources.

Large national companies such as State Farm, Progressive, and Farmers usually have a better consumer rating than local or regional companies such as Hastings or Rockford Mutual.

This is normal too.

Local companies can at times offer tailored more personable service over national carriers.

Any other data is compiled from the Insurance Information Institute (III.org), JD Power & Associates, and AM Best.

Illinois CompanyWritten PremiumsRate Change < 18 Months# of ComplaintsConsumer Rating out of 5 Stars
Progressive$285,110+2.3%654.4
State Farm$1,868,698+2.3%1024.4
GEICO$324,891+2.4%544.4
Erie$19,952+3.5%124.2
MetLife$111,952+2.7%234.0
Country Financial$437,026+2.9%304.0
Nationwide$103,221+3.0%114.1
21st Century$88,328+3.0%23.9
Allstate$675,083+2.9%414.2
Esurance$101,112+2.8%124.2
USAA$125,551+2.4%174.5
Auto-Owners$98,321+3.0%94.0
Farmers$305,455+3.1%84.1
State Auto$95,553+3.2%83.9
Liberty Mutual$188,714+3.2%114.0
Hastings Mutual$83,432+3.4%23.8
The General$55,321+3.8%193.6
Mercury$72,765+3.6%53.9
American Family$271,604+3.5%64.0
Kemper Specialty$76,111+3.2%83.7
Grange$67,764+3.3%43.7

Comprehensive, Collision Coverage, GAP, & UM Protection

Since Illinois has major cities such as Chicago, Rockford, Peoria, and Cicero, it would be a good idea to carry comprehensive coverage.

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 ILThe cheapest car insurance for a 45-year-old driver can be found with Unique, Lighthouse, and Progressive. Each are more than 29% lower than the “mean” rate. State Farm and GEICO are competitive too.

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

Affordable car insurance for a 55 year old driver.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.

Average Premium by City

Below is a list of 36 less populated cities in Illinois with the average premium.

Location is a primary factor when insurers determine your premium.

One of the reasons you will have significant different premium cost from one city or zip code to another.

If you find that your quoted premium is higher than those listed below your may either be a young driver or your driving record is not clean.

If you would like a detailed comparison of quotes by more populous cities in Illinois please read further below.

CityAvg RatePopulationCityAvg RatePopulationCityAvg RatePopulation
Alton$1,32127,865Elmhurst$1,50346,662Park Ridge$1,48737,480
Batavia$1,15426,045Evanston$1,48774,756Pawnee$1,4513,008
Belleville$1,34041,649Freeport$1,23725,638Sparta$1,4874,341
Calumet City$1,18937,042Geneva$1,30121,495Peoria$1,582115,007
Carbondale$1,20825,902Granite City$1,18929,849Quincy$1,42840,303
Champaign$1,67287,432Kankakee$1,48727,537Sycamore$1,58717,519
Charleston$1,31121,838Lincoln$1,30514,504Tampico$1,518750
Chicago Heights$1,56730,276Marion$1,41917,193Troy$1,86710,093
Crest Hill$1,58720,837Moline$1,38743,977Waukegan$1,73287,729
Danville$1,38833,027Morris$1,53213,636Westchester$1,39916,461
East Peoria$1,30023,402Mundelein$1,50331,475Wheaton$1,71153,373
Effingham$1,18812,589North Chicago$1,41132,574Yorkville$1,25316,921

Chicago, IL

Chicago low-cost policy choices for 30 year old drivers.The average car insurance rate in Chicago, Illinois is about $1,900 per year.

As illustrated, I was able to find rates below the $1,100 with two insurers, Unique and Progressive.

I queried each at $1,090 and $1,099 per year for a 30-year-old driver.

Which is 45% lower than the average premium cost for similar age drivers. 

For a 45-year-old driver the lowest premiums are found with Unique and Progressive.

I queried each at $723 and $743 per year for full coverage.

Which is 46% lower than the average premium for similar profile drivers. 

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.

Chicago Company30 Y/O Driver45 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

Chicago is the largest city in Illinois with 2.8 million residents.

Settled in 1780, it was incorporated as city in 1837.

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.

Aurora, IL

Aurora, IL least expensive policy choices for 30 year old drivers.Finding cheap car insurance is 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 with Unique and The Hartford.

I queried each at $731 and $730 respectfully per year for full coverage.

Which is over 41% lower than the “mean” quote for similar age drivers in Aurora. 

For a competitive comparison and the best coverage for low cost, it would be wise to get quotes from all companies.

Aurora Company30 Y/O Driver45 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 is the 2nd largest city in the state with approximately 200,00 residents.

It was settled in 1834 and incorporated as a city in 1857.

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.

Rockford, IL

Rockford, IL low-cost policy choices for 30 year old drivers.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.

Which is 39% lower than the median quote for similar age drivers in Rockford. 

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.

Rockford Company30 Y/O Driver45 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.

Today, Rockford features an abundance of professional and business services.

Naperville, IL

Naperville lowest premium choices by price for drivers.The cheapest auto insurance rates can be found with State Farm, The Hartford, and Unique at $1,003, $1,032, $1,089 respectfully for a 30-year old.

Which is nearly 38% lower than the median quote for similar age drivers in Naperville. 

A 45-year-old driver can find low rates with State Farm, The Harford, and Unique.

I queried each at $876, $843, and $902 respectfully per year for full coverage.

Which is 32% to 34% lower than the median quote for similar profile drivers in Naperville. 

The average rate in the city of Naperville is $1,290 per year.

With each of the insurers I queried you would find savings of at least 14%.

Naperville Company30 Y/O Driver45 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 70s 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 city of Naperville.

Elgin, IL

Elgin cheapest premium choices by price for 30 y/o drivers.The lowest premiums for a 30-year-old driver in Elgin are found with State Farm, Lighthouse and Unique.

I queried each at $1,003, $1,032, and $1,089 per year. 

Which is 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 Lighthouse, State Farm, and Unique.

I queried each at $888, $899, and $956 per year for full coverage.

Which is 26% to 29% lower than the “mean” quote for similar age drivers in Elgin. 

Elgin Company30 Y/O Driver45 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.

Elgin was founded in 1834 and incorporated as city by 1854. 

Springfield, IL

Springfield, IL cheap premium choices by price for drivers.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 drivers of similar age. 

Springfield Company30 Y/O Driver45 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 was incorporated a city in 1840 with a couple thousand residents.

Springfield is know for attracting shoppers from all over the nation.

Quaint cafes, fast-food, and neighborhood fare sprawl throughout the city making Springfield a top place to visit in Illinois.

Today, it is the 9th largest city in the state with nearly 120,000 people. 

Schaumburg, IL

Schaumburg, IL cheapest policy options for drivers.To find the least expensive premium in Schaumburg start with Unique, Progressive, and Lighthouse.

Unique was queried at $1,088 while Progressive at $1,166 and Lighthouse at $1,287.

Each insurer is over 18% lower than the median rate for a 30-year-old driver.

A 45-year-old driver can find the cheapest quotes with Unique, Progressive, and Lighthouse.

Each queried at $717, $755, and $790 per year for full coverage.

Which is 19% lower than the median quote for drivers of similar age and profile in Schaumburg.

State Farm and Farmers offer cheap car insurance with prices at $875 and $898 respectfully.

Schaumburg Company30 Y/O Driver45 Y/O Driver
Unique$1,088$717
Progressive$1,166$755
Lighthouse$1,287$790
State Farm$1,299$875
Farmers$1,312$898
Nationwide$1,355$927

Schaumburg is a suburb about 28 miles from Chicago with approximately 75,000 residents. 

Trumball Kent was one of the first settlers of Schaumburg.

The village derived its name from the German area of Schaumburg-Lippe where most of the early settlers arrived from.

Peoria, IL

Peoria, IL low-cost premium by price for lighthouse, farmers, unique, progressive, and state farm.Drivers in Peoria can find inexpensive coverage by getting quotes from Lighthouse, Farmers, and Unique.

Each queried at $1,044, $1,097, $1,122 respectfully for a 30-year-old driver.

Which is 14% lower than the “mean” quote for drivers of similar age and profile.

Progressive and State Farm offer competitive quotes at $1,243 and $1,276 respectfully for full coverage.

A 45-year old can find affordable rates with Lighthouse, Farmers, and Unique.

Each queried at $799, $824, $876 per year for full coverage.

Which is 14% lower than the median rate for drivers in Peoria of similar age.

A 45-year old should put Progressive and State Farm on their list to get quotes.

Both carriers offer competitive rates at $897 and $932 respectfully.

Peoria Company30 Y/O Driver45 Y/O Driver
Lighthouse$1,044$799
Farmers$1,097$824
Unique$1,122$876
Progressive$1,243$897
State Farm$1,276$932
Nationwide$1,312$976

Established in 1691, Peoria is the oldest European settlement in Illinois.

Today, it is the 7th largest city in the state and the 3rd largest outside the metropolitan area of Chicago.

It has a population of approximately 124,000 people. 

Champaign, IL

Champaign, IL cheapest policy by price for lighthouse, farmers, unique, progressive, and state farm. Residents of Champaign can find the cheap auto insurance quotes with Lighthouse, Farmers, and Unique.

Each queried at $980, $1,066, and $1,122 per year for a 30-year-old driver.

Which is 24% lower than the median rate for drivers of similar age and profile.

You may want to put Progressive and State Farm on your bucket list to get quotes.

Both carriers are significantly lower than the median quote.

Each queried at $1,203 and $1,254 respectfully.

A 45-year old can find the least expensive quotes with Lighthouse, Farmers, and Unique.

By far Lighthouse was able to provide the lowest quote at $716 which is 25% lower than the median quote for similar age drivers.

Farmers and Unique offered quotes at $785 and $800 respectfully.

Which is 20% lower than the “mean” rate for similar age drivers.

Champaign Company30 Y/O Driver45 Y/O Driver
Lighthouse$980$716
Farmers$1,066$785
Unique$1,122$800
Progressive$1,203$824
State Farm$1,254$887
Nationwide$1,306$914

Champaign is the 10th most populated city in Illinois with approximately 88,000 residents. 

Founded in 1855 and incorporated as a city in 1860, Champaign was originally called West Urbana but had its name changed by legislative act at the time of its incorporation.

The year 1867 saw the founding of the University of Illinois at Champaign-Urbana.

Joliet, IL

Joliet cheapest policy choices from Unique, lighthouse, state farm, nationwide, and farmers.Drivers in Joliet which aren’t getting the lowest quotes are probably looking in the wrong spot.

Start by getting quotes from Unique, Lighthouse, and State Farm.

Each queried at $988, $1,033, and $1,087 per year for a 30-year-old driver.

Which is 19% lower than the median rate for drivers in Joliet.

Two honorable mentions are Nationwide and Farmers.

Each offer low quotes at $1,128 and $1,200 per year for full coverage.

A 45-year old can find affordable quotes with Unique, Lighthouse, and State Farm.

I queried each at $702, $714, and $776 per year for full coverage.

Which is 21% lower than the median rate for drivers of similar age and profile.

Nationwide and Farmers are competitive for a 45-year old with cheap car insurance quotes at $824 and $876 respectfully.

Joliet Company30 Y/O Driver45 Y/O Driver
Unique$988$702
Lighthouse$1,033$714
State Farm$1,087$776
Nationwide$1,128$824
Farmers$1,200$876
Progressive$1,245$908

Joliet is the 3rd largest city in the state with approximately 150,000 residents. 

Founded in 1673 by French-Canadian explorer Louis Joliet, the site of the present-day city of Joliet was not laid out as a town until 1834. 

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
Sources

http://insurance.illinois.gov/reports/

Lighthouse Casualty

Unique Company

https://www2.illinois.gov/agencies/DOI

http://www.cyberdriveillinois.com/

http://www.rockfordmutual.com/index.php

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at Google+ or Facebook Profile.

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