BudgetAutoRates Cheapest car insurance in Illinois (2026)
Skip the averages. Get your actual Illinois rate.
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Scout's quick take
- Cheapest liability we found: State Farm at $39/mo for a clean-record 35-year-old
- Illinois average runs 2% below national: $63/mo liability, $196/mo full coverage
- State minimum is 25/50/20; driving uninsured risks fines, license suspension, and SR-22 requirements
BudgetAutoRates affordability gauge: Illinois premiums vs state median income. Lower claim costs than most states keep the needle toward the green.
Cheapest companies in Illinois, compared
| Company | Liability / mo | Full coverage / mo | Best for |
|---|---|---|---|
| State Farm | $39 | $122 | Overall cheapest |
| GEICO | $43 | $133 | Digital-first drivers |
| Progressive | $50 | $155 | High-risk / SR-22 |
| Allstate | $58 | $180 | Bundling home + auto |
| Farmers | $63 | $196 | Agent relationships |
| Liberty Mutual | $69 | $214 | Custom coverage add-ons |
Illustrative estimates for a clean-record 35-year-old, built from public rate benchmarks and our cost model, not quotes; see our methodology.
Where does your ZIP land?
Premiums swing ZIP to ZIP, so start with five digits.
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Illinois minimum coverage: 25/50/20
Illinois requires liability coverage on every registered vehicle. The legal floor:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $20,000 property damage per accident
Minimum coverage keeps you legal, not necessarily solvent: the average new truck costs more than $20,000 to replace, so one at-fault accident can outrun your property-damage limit.
UM coverage also required.
Minimums cross-checked against Insurance Information Institute and state DOI sources, July 2026; see our methodology. Rules change; verify current minimums with your state's Department of Insurance.
Rates by city
Premiums swing inside Illinois: traffic density, claim frequency, and repair costs vary from ZIP to ZIP, so quote with your exact address. The largest metros in our Illinois sample:
Illinois questions, answered
Why is car insurance in Illinois cheap?
Illinois rates average about 2% below the national average, near $63/mo for liability and $196/mo for full coverage. Lighter traffic, fewer claims, and lower repair costs keep pricing down, and comparing 3 or more quotes can push your rate lower still.
What happens if I drive uninsured in Illinois?
Penalties for driving without required coverage in Illinois typically include fines, license and registration suspension, SR-22 filing requirements, and reinstatement fees, with exact amounts set by state law. A minimum-coverage policy usually costs less than the penalties. Verify current penalties with the Illinois Department of Insurance, then let Scout find a policy that beats the paperwork.
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