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Illinois Least Expensive Auto Insurance Companies & Minimum Coverage Requirements, plus Cost Savings Strategies

Here we queried over 20 of the cheapest auto insurance companies in the state of Illinois.

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

Depending the city you reside in you should be able to find quotes from 12% to 22% lower than the median 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 which are 10% to over 20% lower than the median premium rate.

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

In this article we are going to covert he minimum requirements in Illinois, cost saving strategies, and which insurers are the most affordable.

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.

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 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.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.

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 ILNote: 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.

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.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 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.

Unique, Progressive, and State Farm are able to offer quotes 12% to 22% 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 10% to 22% 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 is 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
State Farm$1,178$876$789$678$623$523
Rockford Mutual$1,267$979$843$734$608$558
MetLife $1,288$1,004$843$721$700$675
The Cincinnati$1,487$1,123$909$800$721$595
21st Century$1,499$1,176$913$801$705$600
Auto Owners$1,689$1,276$1,009$876$777$699
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
The General$1,887$1,476$1,276$1,032$825$733
American Freedom$2,087$1,632$1,289$1,154$878$745
Kemper Specialty$2.132$1,689$1,345$1,187$903$784

Lowest premium rates for a 40 year old driver in ILNote: 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.

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
Crystal Lake$1,82140,743Naperville$1,476141,853Wheaton$1,47752,894

Best Carriers by Consumer Rating, Rate Change, & Complaints

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

The carrier with the most 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
State Farm$1,868,698+2.3%1024.4
Country Financial$437,026+2.9%304.0
21st Century$88,328+3.0%23.9
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
American Family$271,604+3.5%64.0
Kemper Specialty$76,111+3.2%83.7

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 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 ILThe 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.

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.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.

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.

Less Popular Cities & Avg Rate

Below is a list of 27 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 city please read further below.

CityAvg RatePopulationCityAvg RatePopulationCityAvg RatePopulation
Alton$1,32127,865Effingham$1,18812,589North Chicago$1,41132,574
Batavia$1,15426,045Freeport$1,23725,638Park Ridge$1,48737,480
Calumet City$1,18937,042Geneva$1,30121,495Pawnee$1,4513,008
Carbondale$1,20825,902Granite City$1,18929,849Sparta$1,4874,341
Chicago Heights$1,56730,276Lincoln$1,30514,504Tampico$1,518750
Crest Hill$1,58720,837Marion$1,41917,193Troy$1,86710,093
East Peoria$1,30023,402Mundelein$1,50331,475Yorkville$1,25316,921

Chicago, IL

Chicago low-cost policy choices for 30 year old drivers.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.

Chicago Company30 Y/O Driver45 Y/O Driver
State Farm$1,190$865

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.

Aurora, IL

Aurora, IL least expensive policy choices for 30 year old drivers.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.

Aurora Company30 Y/O Driver45 Y/O Driver
State Farm$1,199$821

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.

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.

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
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.

Naperville, IL

Naperville lowest premium choices by price for drivers.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%.

Naperville Company30 Y/O Driver45 Y/O Driver
State Farm$993$876

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.

Elgin, IL

Elgin cheapest premium choices by price for 30 y/o drivers.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 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.

Elgin Company30 Y/O Driver45 Y/O Driver
State Farm$1,032$899

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

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 driver of that age.

Springfield Company30 Y/O Driver45 Y/O Driver
State Farm$1,094$943

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.

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 competitive quotes with prices at $875 and $898 respectfully.

All of the carriers illustrated are able to provide quotes 10% lower than their competitors for drivers with good driving record.

Schaumburg Company30 Y/O Driver45 Y/O Driver
State Farm$1,299$875

Schamburg 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.

Incorporated in 1956 as a village. Soon thereafter Schaumburg’s transition from a rural community to that of a suburban metropolis began with Alfred Campanelli’s first large scale suburban-style development in 1959 and Woodfield Mall’s opening in 1971.

The mall is the 11th largest in the U.S.

In recent years the village has been ranked as one of the best places to live and raise family according to Money Magazine.

Peoria, IL

Peoria, IL low-cost premium by price for lighthouse, farmers, unique, progressive, and state farm.Drivers in Peoria can find inexpensive premiums 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 can 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
State Farm$1,276$932

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 115,000 people. 

Originally known as Fort Clark, Peoria derived its new name in 1825 from one of the major tribes of the Illinois Indian confederacy.

The village was incorporated as a town in 1835 and then as a city ten years later. 

Today, the city has become synonymous with “mainstream America” and representative of mid-western culture, often being used as a national test market for new products and opinion surveys.

Champaign, IL

Champaign, IL cheapest policy by price for lighthouse, farmers, unique, progressive, and state farm. Residents of Champaign can find the cheapest 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.

Any of the carriers illustrated should be on your list to get quotes to maximize savings and optimize coverage.

Champaign Company30 Y/O Driver45 Y/O Driver
State Farm$1,254$887

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.

Champaign is known for as technology hub for start-ups other big businesses such as Sony.

The area is known today as Silicon Prairie.

Notable attractions include the Boardman’s Art Theater, Historic Virginia Theater, Orpheum Children’s Museum, Verde Gallery, and the Springer Cultural Center.

Joliet, IL

Joliet cheapest policy choices from Unique, lighthouse, state farm, nationwide, and farmers.Drivers in Joliet which are 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.

Each queried at $702, $714, and $776. 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 quotes at $824 and $876 respectfully.

It would be smart to get quotes from all carriers illustrated to find the most savings while maintaining coverage.

Joliet Company30 Y/O Driver45 Y/O Driver
State Farm$1,087$776

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. 

In 1858 the state of Illinois established a new penitentiary in Joliet, largely due to the area’s abundance of stone for prison walls and cells.

This gave to the nickname “City of Stone”.

The prison has been featured in both television shows and movies. One such television show is “Prison Break”.

A popular attraction is The Rialto Square Theater, also known as the “Jewel of Joliet,” has been called one of the world’s ten most beautiful theaters.

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


Lighthouse Casualty

Unique Company




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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