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Cheapest Car Insurance Rates In Illinois (2018)

Every driver wants to pay less for car insurance, but finding cheap rates in Illinois requires a lot of research. There are dozens of companies offering all types of discounts for various driver types, and comparing all the options can be a major hassle.

At PennyGeeks, we wanted to take the headache out of saving on monthly car insurance premiums. We compared quotes from nine providers to find the most affordable rates for these four types of drivers:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$86/month estimate

$102/month estimate

Driving safely is one of the best ways to save money on auto insurance since providers usually reward cautious motorists with lower monthly premiums. Our study identified State Farm as the insurance company with the lowest rates for safe drivers in Illinois.

Our research involved male and female drivers age 29 with a clean collision history. The estimates above are based on coverage that is slightly higher than the state’s minimum requirements.

Best Rates For Teen Drivers

$165/month estimate

$196/month estimate

Inexperienced teenage drivers are more likely to be involved in crashes, making them a greater liability to car insurance companies. When searching for cheap insurance for teens, we recommend that you get quotes from State Farm and Allstate.

The driver in our study was an 18-year-old who hadn’t been involved in a car accident or received any major citations. Our researchers found that premiums varied widely from one provider to the next. The hypothetical teenager in our analysis was comparing rates for insurance that met the state’s minimum required coverage.

Best Rates For Drivers With A DUI

$93/month estimate

$144/month estimate

The consequences of a drunk driving conviction can haunt you long after your case has finalized. Insurance rates can skyrocket after a DUI conviction. If you’re tired of paying hefty premiums, consider switching to one of these two insurance providers. Our study determined that State Farm has the lowest insurance rates for drivers with a DUI in Illinois.

Best Rates For Senior Drivers

$69/month estimate

$/month estimate

Age and mileage are two primary factors that influence the cost of auto insurance. If you’re a senior and you’re searching for cheap car insurance in Illinois, you should be able to find low cost policies from one of these two providers.


The “DUI” and “No Accidents” categories used a 29-year-old motorist who commuted 12,000 miles yearly. The car was a 2014 Toyota Corolla. Our research is based on the rates for males and females from five zip codes in Illinois. Our senior driver was 65 years old and traveled 4,000 miles per year. Except for the “teen driver” category, our estimates are based on liability coverage of 50/100/25 and uninsured motorist coverage of the same limits.

What Are The Minimum Auto Insurance Coverage Requirements In Illinois?

If you live in Illinois, you are legally required to purchase car insurance that would cover $25,000 for bodily injuries per person, $50,000 for bodily injuries per wreck, and $20,000 for damage to property. Uninsured motorist coverage is also required with minimum limits of $25,000 per person and $50,000 per crash.


cheapest car insurance in illinois

You can find helpful FAQs about auto insurance on the PennyGeeks blog.


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