Illinois Car Insurance [Rates + Cheap Coverage Guide]

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Illinois SummaryData
Population39,557,045
Road MilesTotal in State: 145,761
Vehicle Miles Driven: 104,906
Driving DeathsSpeeding – 462
Drunk Driving –349
VehiclesRegistered: 10,042,205
Total Stolen: 17,451
Most Popular VehicleHonda CR-V
Average Premiums (Annual)Liability – $446.72
Collision – $309.71
Comprehensive – $128.13
Combined Premiums – $884.56
Percent of Motorists Uninsured13.7%
State Rank: 18th
Cheapest ProviderSafeco

Rubbing Honest Abe’s nose in Springfield is sure to bring good luck – but even shining the schnoz of any statue three times a day can’t guarantee enough luck to prevent a car accident!

We understand that it takes more than luck to land an honest deal on a good car insurance policy. With a little research, you, too, will have the opportunity to earn the fruits of your labor.

Conjure your inner Abe and review our comprehensive guide on all things auto insurance. We include Illinois coverage and rates, car insurance providers, state laws, and so much more.

You may already know comparing car insurance rates is a great way to save money! Start today with just your zip code.

Table of Contents

Illinois Car Insurance Coverage and Rates

Before you decide to move to Illinois or even just visit, consider your options in car insurance coverage.

– Minimum Car Insurance Requirements in Illinois

Insurance RequiredMinimum Limits: 25/50/20
Bodily Injury Liability Coverage$25,000 per one person
$50,000 per accident
Property Damage Liability Coverage$20,000 minimum
Uninsured/Underinsured Motorist$25,000 per person
$50,000 per accident

Liability insurance pays all individuals — drivers, passengers, pedestrians, bicyclists, etc — who are owed compensation for property damage and/or injuries resulting from a car accident that you or anyone under your policy causes.

Illinois is an “at-fault” accident state. This means, if you are the at-fault driver during an accident, you will be held liable for any personal injury or property claims.

As such, liability insurance is required in the state of Illinois at these minimum coverage amounts:

  • $25,000 – to cover Injury or death of one person in an accident you caused
  • $50,000 – to cover total injuries or death of more than one person in an accident you caused
  • $20,000 – to cover property damage in an accident you caused

Illinois also requires all motorists to carry uninsured/underinsured coverage.

– Required Forms of Financial Responsibility in Illinois

Illinois has a mandatory insurance law. Signing your vehicle registration form is your promise to the state of Illinois that your car will be insured during the entire registration period.

Without question, you must carry your insurance card at all times and present it to law enforcement upon request.

The state of Illinois randomly selects drivers to verify minimum car insurance requirements. If selected, you’ll receive a letter, and you are required by law to provide verification of your coverage within 30 days.

– Premiums as Percentage of Income in Illinois

In 2014, the annual per capita disposable personal income in Illinois was $$42,256. That’s not bad considering that almost half of the states have a DPI lower than $40K.

Disposable personal income (DPI) is the total amount of money available for an individual to spend (or save) after their taxes have been paid.

On top of the stellar DPI, the average annual cost of car insurance in Illinois is only $854 which is only two percent of the average disposable personal income.

The average Illinois resident has $3,521 each month to buy food, pay bills, etc. The car insurance bill will deduct about $71 out of that.

Despite the higher income, Illinois residents pay pretty reasonable rates for car insurance.

Now, you can put those extra dollars where it really matters – savings! American Consumer Credit Counseling suggests saving 20 percent of every paycheck.  With Illinois’ DPI, that’s $704 each month! How much are you putting aside for savings?

– Core Car Insurance Coverage in Illinois

Coverage Type:Annual Costs in 2015:
Liability$446.72
Collision$309.71
Comprehensive$128.13
Combined$884.56

The above table outlines what the experts say. Expect car insurance rates in Illinois to be significantly higher for 2019 and on.

Remember: Illinois has a mandatory insurance law for liability coverage and uninsured motorists coverage, but experts suggest drivers purchase more than what state law requires, especially when the state is an “at-fault” state like Illinois is.

Let’s explore some of the most popular coverage options to add to a basic auto insurance policy.

– Additional Liability Coverage in Illinois

A loss ratio shows how much a company spends on claims to how much money they take in on premiums. For example, a loss ratio of 60 percent indicates that companies are spending $60 on claims out of every $100 earned in premiums.  A loss ratio of over 100 percent means the company is losing money. If the loss ratio is too low, the company isn’t paying claims.

Loss Ratio201220132014
Medical Payments (Med Pay)77.23%77.03%75.51%
Uninsured/Underinsured Motorist
(13.7% and ranked 18th in the nation)
66.57%62.11%62.98%

With loss ratios dropping, it is evident that Illinois residents are taking some advantage of valuable extras, but not quite as much as they should.

In 2015, 13 percent of motorists in the US were uninsured, and 13.7 percent of motorists in Illinois, ranking 18th in the nation.

Luckily, car insurance companies in Illinois are looking out for you!

Every liability car insurance policy automatically includes uninsured motorist coverage (UIM) with limits EQUAL to the policy’s injury liability coverage.

The State of Illinois expects drivers to cover themselves just as much as they cover others.

Meaning, the more liability coverage you purchase, the more you are protected if hit by one of the nearly 5.5 million uninsured motorists driving around the state.

An alternative is to consider personal injury protection (PIP), otherwise known as no-fault insurance, for medical bills incurred because of a wreck, regardless of who is at fault, who is driving, or who owns the vehicle.

Cover your own back! Start comparison shopping today using our FREE online tool. Enter your zip code below to get started!

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– Add-ons, Endorsements, and Riders

We know getting the complete coverage you need for an affordable price is your goal.

Good news: there are lots of powerful but cheap extras you can add to your policy.

Here’s a list of other useful coverage available to you in Illinois. 

—Male vs Female Annual Car Insurance Rates in Illinois

Most people are under the impression that men pay higher car insurance rates than women. That is typically the case in the state of Illinois with a few instances otherwise.

Our researchers came to a surprising conclusion. They learned that age and the actual insurance carrier seem to be the most significant contributing factors in cost variance.

Case in point, Illinois Farmers Insurance charges 17-year-olds over $8,200 more than their average of $2,522 yearly premiums for insured individuals over the age of 18! USAA, however, charges only about $3,200 difference in annual premiums based on age.

—Demographic and Insurance Carrier

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$3,305.50$3,320.65$3,452.26$3,452.26$8,547.98$11,112.80$3,973.25$4,293.46
American Family Mutual$2,369.94$2,369.94$2,168.97$2,168.97$6,676.10$9,263.85$2,369.94$3,056.23
Illinois Farmers Ins Co$2,456.68$2,457.73$2,179.75$2,305.14$10,514.80$10,961.50$2,803.50$2,931.88
GEICO Cas$1,691.91$1,711.59$1,614.70$1,892.49$5,407.10$5,673.56$2,074.22$2,048.08
Safeco Ins Co of IL$1,401.51$1,512.93$1,165.71$1,303.12$4,621.83$5,140.83$1,464.07$1,543.97
Nationwide Mutual Fire$1,926.46$1,960.52$1,713.84$1,816.17$5,285.82$6,786.79$2,242.62$2,429.53
Progressive Northern$2,055.34$1,946.27$1,694.99$1,773.48$7,336.88$8,239.12$2,450.28$2,647.61
State Farm Mutual Auto$1,454.19$1,454.19$1,299.88$1,299.88$4,229.18$5,361.67$1,643.58$1,887.70
Travelers Standard Fire Ins Co$1,570.87$1,657.44$1,431.81$1,526.42$4,533.18$5,685.41$1,665.85$1,754.69
USAA$1,647.73$1,676.66$1,532.32$1,509.06$5,332.28$5,880.44$2,170.35$2,385.18

Let’s dig deeper!

—Highest and Lowest Rates by Zip Code

Search the table below which lists the highest and lowest rates according to the zip code.

Zip CodeHighest Average RateZip CodeLowest Average Rate
60636$5,437.2261443$2,792.51
60623$5,385.1261761$2,793.40
60624$5,378.1961261$2,798.77
60651$5,361.8561920$2,798.85
60644$5,359.7661270$2,804.51
60621$5,323.1961258$2,806.57
60649$5,173.4561274$2,807.10
60620$5,156.0861235$2,810.61
60426$5,086.9461234$2,819.58
60639$5,082.8461238$2,820.35
60619$5,058.1561251$2,821.17
60637$5,047.0061277$2,822.68
60628$5,027.0761938$2,826.12
60609$4,977.7361254$2,826.44
60629$4,973.0361243$2,827.01
60653$4,969.8161401$2,829.06
60419$4,916.4861250$2,830.99
60428$4,909.8861379$2,838.40
60612$4,900.5761283$2,839.47
60409$4,869.5861233$2,839.82
60632$4,865.0661314$2,846.26
60617$4,820.7161322$2,846.43
60827$4,740.3461704$2,847.73
60652$4,722.4061726$2,849.60
60472$4,713.5061361$2,851.38
60608$4,712.1261368$2,851.82
60638$4,651.5761843$2,851.94
60633$4,650.3261345$2,852.19
60469$4,648.9561434$2,852.26
60641$4,639.2661359$2,853.01
60643$4,629.7661856$2,853.12
60707$4,609.7461252$2,853.57
60804$4,606.1061953$2,853.86
60429$4,594.2061866$2,855.39
62201$4,588.9861315$2,855.83
60406$4,583.0361344$2,858.77
60659$4,582.9262301$2,859.60
60499$4,580.4561845$2,862.18
62071$4,577.8261230$2,862.50
62207$4,565.3461320$2,862.96
60153$4,548.7262445$2,864.31
60616$4,537.7260949$2,865.21
62204$4,535.8962401$2,865.49
60104$4,533.2561317$2,866.90
62205$4,525.8261933$2,868.63
62203$4,525.5061854$2,868.66
60634$4,518.2061419$2,868.78
60418$4,511.8561273$2,868.98
60645$4,510.2361936$2,869.46
60615$4,503.8961330$2,869.73
60626$4,489.7461376$2,870.29
62206$4,485.9562447$2,870.67
60155$4,458.2461701$2,870.67
60077$4,454.5261744$2,870.71
60160$4,436.0161951$2,871.39
60165$4,434.5461490$2,871.60
60655$4,424.8261913$2,871.68
60647$4,409.2161943$2,872.31
60642$4,406.9461338$2,872.46
60630$4,393.8161329$2,872.59
60076$4,389.8161840$2,872.94
60625$4,388.5761312$2,873.97
62059$4,382.9761349$2,874.34
60660$4,375.3161884$2,874.41
60622$4,373.6262424$2,874.47
62060$4,370.4761917$2,874.51
60701$4,355.0861813$2,874.88
62090$4,353.6762436$2,874.98
60130$4,338.7861356$2,875.03
60646$4,331.9161724$2,875.96
60712$4,326.9761752$2,877.49
60607$4,316.6261758$2,877.66
60618$4,307.7362418$2,877.76
60706$4,304.3161772$2,878.07
60171$4,297.1462468$2,878.57
60402$4,296.7461753$2,878.86
60176$4,272.3661839$2,879.01
60501$4,258.2262458$2,879.02
60640$4,241.6361851$2,879.57
60656$4,239.5662443$2,880.78
60803$4,230.0362474$2,881.00
60631$4,201.2362467$2,881.41
60458$4,195.4161071$2,881.70
60131$4,191.2361930$2,882.25
60473$4,157.7861468$2,882.49
60455$4,151.1661081$2,882.68
60699$4,149.8161910$2,883.48
60714$4,131.3762471$2,883.53
60456$4,129.0162426$2,883.73
60443$4,120.5761748$2,884.03
60478$4,108.3462461$2,884.12
60304$4,105.2261776$2,884.55
60459$4,103.4561473$2,885.08
60164$4,095.5661480$2,885.20
60805$4,089.6261764$2,885.55
60301$4,086.8861435$2,885.74
60613$4,084.6362473$2,886.57
60302$4,083.7561770$2,888.34
60053$4,076.5061453$2,888.36
60141$4,061.7661346$2,888.51
60068$4,059.0561374$2,889.40
60305$4,057.2161705$2,889.49
60603$4,043.5961421$2,889.88
60457$4,039.3861423$2,890.39
60604$4,037.7661337$2,891.13
60605$4,022.1361847$2,891.37
60163$4,020.8862305$2,891.64
60411$4,019.8761830$2,891.70
60082$3,996.0462462$2,892.11
60461$3,987.2861919$2,892.46
60016$3,977.6461454$2,893.40
60610$3,977.6261720$2,893.52
60475$3,977.3561430$2,893.53
60029$3,976.4561412$2,893.55
60482$3,972.9061462$2,893.64
60453$3,969.4861413$2,893.81
62232$3,967.4862428$2,894.26
60654$3,967.2761949$2,894.31
60415$3,965.0461262$2,894.42
60471$3,962.0162420$2,894.50
60445$3,959.6362080$2,894.63
62040$3,956.3962442$2,895.85
60018$3,949.3261469$2,895.91
60606$3,943.8061862$2,896.17
60430$3,933.4961914$2,897.23
60611$3,928.6962411$2,898.25
60464$3,922.6061736$2,899.37
62048$3,918.9461276$2,899.52
60425$3,908.0361745$2,899.82
60661$3,906.4861911$2,901.31
60602$3,905.1161818$2,901.69
60465$3,900.0761855$2,901.78
60601$3,893.2161042$2,902.12
60476$3,885.0061878$2,902.51
60026$3,882.6961471$2,902.90
60614$3,878.1261448$2,903.54
60480$3,876.7661460$2,904.29
60466$3,872.1261863$2,904.31
60025$3,865.0261944$2,904.78
60438$3,859.9361418$2,905.16
60534$3,856.8761941$2,905.70
60657$3,854.8361871$2,907.19
62002$3,852.7561362$2,907.19
60546$3,841.7761478$2,908.25
60452$3,834.0761853$2,908.76
60062$3,816.9262414$2,908.86
60203$3,813.2561466$2,908.90
60422$3,811.0062565$2,909.16
60022$3,799.9961447$2,909.21
62084$3,797.1361912$2,909.22
60043$3,796.5061754$2,909.38
60209$3,792.3360936$2,909.50
62024$3,785.0261417$2,909.89
60513$3,784.6762465$2,910.06
60484$3,781.5561310$2,910.29
60463$3,780.5060957$2,910.37
60162$3,778.4261730$2,911.16
60525$3,776.7461285$2,911.63
60202$3,772.6161957$2,911.74
62095$3,769.6462441$2,912.01
60091$3,750.0461354$2,912.66
60090$3,742.9560460$2,912.86
60089$3,727.1462534$2,913.07
60093$3,724.8161732$2,913.08
62239$3,717.8061437$2,913.16
62018$3,716.0061488$2,913.29
60154$3,713.4061740$2,913.47
62087$3,712.2361929$2,913.89
60526$3,711.9161367$2,914.01
60201$3,696.5960952$2,914.04
60070$3,695.3661859$2,914.14
60433$3,677.4361486$2,914.98
60558$3,667.0761275$2,915.04
60056$3,661.2862477$2,915.17
60015$3,657.3461731$2,915.70
62223$3,653.2261241$2,915.90
60035$3,649.6261722$2,917.36
62957$3,641.8961051$2,917.68
60040$3,636.5061272$2,918.06
60527$3,632.2362423$2,918.30
62240$3,631.1761319$2,918.41
62259$3,626.3462469$2,918.65
60133$3,612.7061956$2,918.68
62914$3,608.6561260$2,919.28
62962$3,607.5461852$2,919.48
60462$3,604.8961037$2,920.37
62990$3,603.1761849$2,921.34
62026$3,600.9761414$2,921.66
62220$3,599.0461231$2,921.85
62841$3,594.3061739$2,921.98
62973$3,591.8561774$2,922.00
62208$3,589.6261942$2,922.49
60103$3,584.0261725$2,923.08
60037$3,578.1861301$2,923.49
60523$3,576.1461741$2,923.51
60192$3,570.6162479$2,923.58
62988$3,568.9261324$2,923.97
62971$3,567.0462440$2,924.47
60064$3,563.6361485$2,924.98
60440$3,562.5461773$2,926.02
60432$3,560.2461728$2,927.08
60069$3,559.8661737$2,927.84
62909$3,556.1761425$2,928.17
60490$3,555.7361378$2,928.69
62840$3,553.0661467$2,929.13
60107$3,552.6361328$2,929.41
60169$3,551.9860962$2,930.03
60096$3,546.3661816$2,931.18
62856$3,543.3061014$2,931.18
60439$3,542.6261342$2,931.37
60075$3,541.8161057$2,932.26
60193$3,540.9461263$2,933.39
60477$3,539.7461937$2,933.77
60487$3,537.7361743$2,934.68
60436$3,531.4261738$2,934.98
60194$3,530.0761281$2,935.39
60139$3,529.0361046$2,935.47
60467$3,527.4661465$2,936.18
62967$3,526.1861472$2,936.53
61104$3,524.8462571$2,937.22
60088$3,524.4162481$2,937.44
62256$3,522.3861924$2,937.48
62260$3,518.9961769$2,938.53
60431$3,518.8761333$2,939.00
62295$3,518.3161331$2,939.12
60449$3,517.6460959$2,939.75
60195$3,512.9861932$2,939.83
62046$3,512.5461240$2,940.31
60561$3,511.3661236$2,940.64
62221$3,510.6062438$2,940.72
60173$3,508.5862431$2,941.66
62226$3,508.2361842$2,941.87
60120$3,493.2661265$2,941.89
62953$3,492.7061242$2,942.05
60101$3,489.9761777$2,942.31
62035$3,489.1361039$2,942.60
62010$3,488.0161489$2,942.87
62969$3,485.1361442$2,943.24
60087$3,484.2761078$2,944.30
60099$3,482.4761760$2,944.95
62067$3,478.6360933$2,945.07
62234$3,478.3762480$2,945.09
60106$3,477.5861018$2,945.87
62963$3,477.1961516$2,946.92
60170$3,474.8561476$2,948.50
60521$3,474.6761428$2,948.66
62960$3,473.9261257$2,948.74
62993$3,473.3062449$2,948.75
60435$3,472.1561021$2,948.82
62922$3,469.7860921$2,949.08
62025$3,466.8361313$2,949.11
62992$3,466.6161350$2,949.48
60559$3,465.2761872$2,949.51
62941$3,465.2160420$2,949.61
62975$3,464.0761775$2,950.87
62952$3,461.9861561$2,951.80
62236$3,460.6662475$2,951.86
62942$3,460.5962550$2,951.95
60047$3,459.8061882$2,952.40
60199$3,459.1061348$2,953.37
60516$3,458.2161771$2,953.39
60544$3,455.7660946$2,953.41
62278$3,454.5261062$2,954.39
60901$3,454.4161311$2,954.80
62970$3,453.9561925$2,954.82
60403$3,453.7361742$2,954.86
60085$3,453.4860942$2,955.02
62910$3,452.1162422$2,955.36
60514$3,451.1061875$2,955.56
60045$3,451.0161530$2,956.47
62998$3,450.6761928$2,956.60
62943$3,448.4061013$2,957.02
62956$3,448.2761373$2,957.46
62058$3,446.6861316$2,957.50
62959$3,445.7362450$2,958.11
62976$3,444.5061749$2,958.16
62277$3,444.1162011$2,958.19
62964$3,444.1061750$2,958.21
62294$3,443.9161880$2,958.70
62244$3,442.9961279$2,958.88
62972$3,442.2861067$2,959.02
62097$3,441.0162868$2,960.37
60020$3,440.0561416$2,960.47
62062$3,439.8962454$2,961.05
62261$3,438.0961931$2,961.18
62940$3,437.9662425$2,961.21
62995$3,435.1361372$2,961.65
62217$3,434.6461778$2,961.87
60586$3,434.1160929$2,963.68
62996$3,432.7761810$2,963.69
62001$3,431.8661877$2,963.76
62951$3,431.3461811$2,963.86
60417$3,430.6262434$2,964.36
62965$3,429.8162448$2,964.91
62061$3,429.7961264$2,964.99
62280$3,429.1062833$2,965.22
60083$3,428.6561458$2,965.76
60401$3,427.9960960$2,966.31
62021$3,427.0561812$2,966.53
62074$3,426.7062459$2,966.89
60108$3,426.6261059$2,967.23
62242$3,426.2962444$2,967.43
60073$3,426.0661735$2,967.44
62034$3,425.3661873$2,967.48
62907$3,425.2261410$2,967.60
61101$3,424.5562478$2,967.78
62958$3,424.4661053$2,968.34
60404$3,422.3161474$2,968.35
60522$3,421.5361050$2,968.35
60046$3,420.9961048$2,968.50
60505$3,420.8862553$2,968.82
62966$3,420.5860963$2,969.15
62298$3,420.3662432$2,969.27
61103$3,418.8662410$2,969.32
60191$3,416.9762421$2,969.45
62248$3,416.1062806$2,969.83
62241$3,415.9261883$2,970.48
60074$3,415.6761733$2,970.97
62939$3,414.3861259$2,971.67
62948$3,413.0061756$2,971.75
62901$3,412.8860934$2,971.80
60010$3,412.1862413$2,972.44
60423$3,411.8661870$2,972.51
60441$3,411.6461318$2,972.59
62013$3,411.3561874$2,973.23
60446$3,410.0861876$2,973.87
62288$3,409.7661817$2,974.07
60517$3,409.7061201$2,975.00
62908$3,409.3462852$2,975.27
62950$3,408.9961436$2,975.31
62254$3,408.9062811$2,975.60
62916$3,408.1161846$2,976.30
62932$3,404.8161864$2,976.36
62030$3,404.2162451$2,976.69
62258$3,404.1962463$2,976.92
62028$3,402.2461833$2,977.67
60048$3,402.2361841$2,977.90
62812$3,401.6462336$2,978.29
60491$3,401.5161831$2,979.23
60061$3,401.2461850$2,979.79
62923$3,400.2061727$2,979.82
62286$3,400.0162433$2,980.46
62036$3,399.8562513$2,980.58
62938$3,399.2462326$2,981.99
60060$3,398.4161450$2,982.21
60041$3,398.0761282$2,982.78
60157$3,397.6061572$2,983.08
62233$3,397.3661550$2,983.14
60002$3,397.2862367$2,983.32
62279$3,396.3561032$2,983.89
62933$3,395.9961070$2,984.00
62297$3,395.8962341$2,984.05
62994$3,395.2160919$2,984.46
62905$3,394.4861729$2,985.23
62076$3,391.5862695$2,985.27
62926$3,390.7062334$2,985.68
62903$3,389.7362460$2,986.18
62819$3,388.1561554$2,986.19
62264$3,387.7861054$2,986.66
62920$3,387.7562427$2,986.67
60004$3,387.7161426$2,987.12
62896$3,386.7561940$2,987.35
62924$3,386.6961858$2,987.84
62912$3,386.3561832$2,988.47
62285$3,385.6361491$2,988.47
62070$3,383.0361089$2,988.80
62947$3,382.9761438$2,989.02
62999$3,382.5461369$2,989.79
62949$3,382.0062844$2,989.90
62906$3,381.7162573$2,989.95
62902$3,380.5062321$2,990.13
60564$3,379.5262501$2,990.25
62243$3,379.0761815$2,990.41
60183$3,374.4062863$2,990.42
60147$3,373.9362466$2,991.41
60144$3,373.9361064$2,991.44
62931$3,373.7461545$2,991.97
62918$3,371.7161865$2,992.29
62822$3,371.4960920$2,992.69
60123$3,371.0661420$2,993.25
60910$3,369.9761857$2,994.39
60126$3,369.7461440$2,994.54
60181$3,369.3261244$2,994.93
62865$3,368.1761232$2,995.07
62982$3,368.1562838$2,995.19
60044$3,367.4562635$2,995.26
62272$3,365.3461483$2,995.26
62921$3,364.0761822$2,995.74
62928$3,364.0261455$2,996.65
62289$3,363.9761541$2,996.99
62884$3,363.4061364$2,997.03
60964$3,363.0561060$2,997.08
60515$3,362.9461239$2,997.70
60956$3,362.7662650$2,998.31
62919$3,362.5762313$2,998.55
60067$3,362.2661844$2,998.75
62292$3,361.7761449$2,998.84
62237$3,361.7662885$2,999.03
62022$3,361.0962419$2,999.23
60914$3,359.3862818$2,999.25
62983$3,357.7961422$2,999.40
62037$3,354.4861340$3,000.00
60585$3,353.8062316$3,000.01
60031$3,353.5861801$3,000.13
62252$3,352.4061074$3,000.42
62954$3,348.7062311$3,000.44
60042$3,347.3461015$3,001.08
60421$3,343.6161568$3,001.41
62974$3,343.1061087$3,001.45
60143$3,343.1061036$3,002.09
62955$3,342.8261044$3,002.81
60008$3,342.5561375$3,003.32
62006$3,341.9761031$3,003.50
62225$3,341.3461564$3,003.52
62984$3,341.2761001$3,003.54
62065$3,339.9961535$3,004.02
61102$3,339.7262476$3,004.41
60084$3,339.5862554$3,004.85
62255$3,339.5161411$3,004.96
62282$3,339.3161284$3,005.31
60468$3,338.1262439$3,005.52
62047$3,337.2961358$3,005.66
62045$3,336.3362452$3,005.70
60148$3,334.9862417$3,005.78
60030$3,334.5061377$3,005.95
60172$3,334.1761755$3,006.34
60110$3,332.5761537$3,006.44
62098$3,332.4561047$3,006.44
60005$3,332.1462839$3,007.00
60915$3,327.8762656$3,007.07
62979$3,327.3761363$3,007.27
62825$3,326.1561019$3,008.52
61108$3,326.0961353$3,009.01
62917$3,324.6862544$3,009.03
62703$3,324.4361479$3,009.10
62874$3,324.1862373$3,009.21
62249$3,321.2361848$3,009.45
62257$3,320.1661570$3,010.24
60081$3,319.7861475$3,010.26
60448$3,318.7562824$3,010.65
62867$3,317.9161091$3,012.20
60950$3,317.3961821$3,012.52
60071$3,317.2762330$3,012.96
62871$3,316.6961814$3,014.63
62985$3,316.2961321$3,015.63
62977$3,312.7861030$3,015.91
60007$3,310.9661068$3,016.37
61603$3,310.4661441$3,016.56
60940$3,309.9661524$3,016.60
60451$3,309.5461723$3,016.64
60124$3,309.2061734$3,017.27
62014$3,307.4261563$3,017.34
60599$3,307.2360932$3,017.36
62023$3,306.7861721$3,017.40
60137$3,306.4561424$3,017.80
60410$3,303.4962354$3,018.00
62247$3,301.6661326$3,018.71
60958$3,301.4162880$3,019.57
62701$3,301.3061334$3,020.46
62935$3,300.4460557$3,020.69
62930$3,299.3661571$3,020.76
60072$3,298.6462549$3,021.00
62269$3,298.6360129$3,021.61
61114$3,298.3061519$3,023.00
62934$3,298.1762628$3,023.27
60538$3,297.9962358$3,023.73
62891$3,296.5461470$3,023.80
60922$3,296.5261484$3,023.82
60118$3,296.1761415$3,024.54
60185$3,295.3661542$3,024.81
62685$3,293.4962815$3,024.91
62093$3,293.2561256$3,025.58
62987$3,292.2762823$3,025.90
60939$3,291.9762858$3,026.02
62079$3,289.5762899$3,026.07
62649$3,288.0062681$3,026.24
62946$3,287.8061370$3,026.92
60051$3,285.2462514$3,027.28
60954$3,285.0261007$3,027.28
62640$3,284.8361565$3,027.39
62053$3,283.5962374$3,027.50
62662$3,282.7562618$3,027.67
60447$3,281.6961085$3,028.22
62674$3,281.1062379$3,028.50
62063$3,280.9661520$3,028.60
62667$3,276.3762551$3,029.10
62031$3,276.3262380$3,029.11
61602$3,274.6361747$3,031.17
62836$3,274.3261075$3,031.29
61605$3,273.4661834$3,031.31
61625$3,272.8461802$3,032.04
60034$3,270.6962510$3,034.15
60442$3,270.0461820$3,034.68
62834$3,270.0061539$3,034.89
62690$3,269.9561041$3,035.35
60506$3,269.8761540$3,036.08
62630$3,269.5361332$3,036.45
62672$3,267.4461534$3,036.49
61109$3,262.7761548$3,037.24
60481$3,259.0262627$3,037.91
62033$3,258.3761028$3,037.98
62897$3,257.3262837$3,038.28
60503$3,257.0361325$3,038.76
62012$3,257.0062624$3,039.16
62890$3,256.6661010$3,039.31
62860$3,256.4661061$3,039.38
60560$3,256.1661759$3,039.49
62997$3,255.2562601$3,040.20
60188$3,253.5662512$3,041.06
62898$3,253.1262668$3,042.47
62626$3,252.4062535$3,043.14
60944$3,251.3361049$3,043.89
62088$3,250.1161088$3,044.64
60050$3,248.8261080$3,045.57
61012$3,248.0261077$3,046.36
60565$3,247.6561531$3,046.67
61606$3,247.6060553$3,047.04
61038$3,247.4561063$3,047.83
61065$3,247.2061020$3,048.71
60140$3,247.1762879$3,049.29
62888$3,247.0362353$3,049.65
61107$3,243.7661072$3,051.18
62009$3,241.7162663$3,052.02
60519$3,240.8862643$3,052.47
60184$3,239.9162638$3,052.63
60512$3,238.6461327$3,052.66
62238$3,237.0161790$3,053.05
61751$3,234.3962671$3,053.92
61016$3,234.1461341$3,054.24
62052$3,233.4561501$3,055.66
60033$3,233.2161427$3,055.74
62274$3,233.1161611$3,056.65
62832$3,233.0362631$3,056.68
60541$3,232.9061336$3,057.00
61079$3,232.7661560$3,058.90
62015$3,232.5062821$3,059.57
61112$3,232.0461024$3,060.21
62927$3,229.4961360$3,060.98
62089$3,226.9862869$3,061.35
60136$3,226.9562518$3,061.68
60536$3,226.2361084$3,062.34
60177$3,226.0862694$3,063.21
62817$3,225.6260510$3,063.27
62069$3,225.4762691$3,064.04
62660$3,224.1962843$3,064.06
60109$3,223.2161432$3,064.36
62533$3,222.6960150$3,065.39
60013$3,222.4661025$3,066.36
62810$3,221.9462629$3,068.04
62859$3,221.4961073$3,068.05
62889$3,220.8661335$3,068.38
62828$3,220.0362842$3,069.76
61043$3,220.0261459$3,070.52
62051$3,218.6761544$3,070.80
62523$3,218.2260550$3,072.06
60537$3,217.5761006$3,072.41
62560$3,215.4362612$3,072.46
60180$3,215.0262835$3,072.75
62883$3,214.2861477$3,072.85
62894$3,213.4762820$3,073.32
61011$3,212.5562666$3,073.84
62091$3,211.5361433$3,074.52
60408$3,211.1762610$3,075.12
60416$3,210.6562543$3,075.51
62816$3,210.4762611$3,075.73
60189$3,210.4662378$3,076.37
62265$3,210.4162827$3,076.65
60913$3,210.3461431$3,076.87
60504$3,209.7562563$3,077.03
62830$3,209.5161543$3,077.28
61553$3,209.3562338$3,077.52
62572$3,209.0362375$3,077.89
62622$3,208.6562665$3,078.83
60190$3,208.2662262$3,079.75
62281$3,206.4261451$3,079.81
60502$3,205.4162446$3,080.16
60187$3,203.5560178$3,080.45
62702$3,202.9962659$3,080.80
62032$3,202.8162692$3,080.87
60532$3,202.4862537$3,081.05
62293$3,202.3162634$3,083.52
62538$3,202.1061702$3,083.52
60539$3,201.9260930$3,083.68
62846$3,201.7262557$3,083.71
62049$3,201.1362548$3,086.81
60156$3,200.9660135$3,087.90
60437$3,200.3262693$3,090.93
60142$3,199.2362621$3,091.04
62872$3,196.6760014$3,091.58
62017$3,196.6661482$3,092.48
61008$3,195.7662362$3,092.76
62231$3,195.3561452$3,093.33
60098$3,194.9062878$3,093.72
62219$3,194.6462323$3,094.35
62545$3,194.0861052$3,094.54
62078$3,193.9460470$3,094.55
60941$3,193.8962861$3,094.65
62273$3,193.7462363$3,094.81
60543$3,192.8562357$3,094.88
60407$3,192.4662809$3,095.77
62266$3,192.2762639$3,096.91
62515$3,191.8462344$3,097.78
60097$3,191.4761616$3,098.03
62056$3,191.3060955$3,098.05
62245$3,191.0060938$3,098.11
62877$3,190.6360134$3,098.49
62215$3,190.6260918$3,099.12
62521$3,189.9060115$3,099.31
61604$3,189.7362250$3,099.89
62094$3,189.0262862$3,100.02
60102$3,188.7062325$3,102.08
62218$3,187.7462340$3,103.05
62214$3,187.3262314$3,103.16
60540$3,187.2261955$3,103.19
62814$3,186.9460556$3,104.04
61111$3,186.8460530$3,104.13
61115$3,186.4862711$3,104.41
62520$3,186.4262664$3,104.77
62216$3,186.3562253$3,105.58
60917$3,185.1562312$3,105.68
62539$3,184.2662319$3,106.27
62329$3,183.9160928$3,106.34
60531$3,183.8260948$3,106.44
60021$3,183.3260967$3,106.77
62075$3,180.7261610$3,106.82
62083$3,179.6760953$3,106.87
62547$3,179.4462348$3,107.95
60113$3,178.6260518$3,108.01
62526$3,177.5162642$3,108.02
62803$3,177.0662673$3,108.07
62522$3,176.9961546$3,108.89
62531$3,176.9261278$3,109.87
60555$3,176.6862887$3,111.53
62882$3,176.5462850$3,111.65
62853$3,175.4460970$3,111.68
62866$3,175.1962370$3,111.91
62230$3,175.1260911$3,112.09
60152$3,173.9261526$3,112.94
62464$3,173.9060112$3,114.93
62864$3,173.4262655$3,115.17
60935$3,173.4260968$3,115.25
62558$3,173.0862570$3,115.30
62343$3,173.0362556$3,115.30
62893$3,172.1262324$3,115.45
62851$3,170.8160924$3,115.60
61525$3,170.2462092$3,116.08
60563$3,168.9962644$3,116.65
60545$3,168.3462366$3,116.68
62077$3,167.9762682$3,116.70
62831$3,167.8362349$3,116.85
60479$3,167.8260961$3,118.90
60554$3,165.8261532$3,119.84
62360$3,165.6260520$3,120.12
62704$3,165.5262536$3,120.54
61371$3,165.5062246$3,120.92
62271$3,163.3462675$3,120.97
61569$3,163.2460012$3,121.10
60511$3,162.1762284$3,121.15
62870$3,161.6762050$3,121.25
61528$3,161.4460119$3,122.02
62848$3,161.4260548$3,122.77
60912$3,160.8262082$3,122.93
62808$3,159.9761523$3,123.82
62365$3,159.6060146$3,124.12
62019$3,158.7462359$3,124.39
61607$3,158.4761614$3,124.70
62567$3,158.2860973$3,125.80
60444$3,158.2362854$3,125.85
60551$3,157.9862351$3,126.29
60926$3,157.5162568$3,126.78
62275$3,156.8062633$3,127.42
62707$3,156.3662875$3,127.70
62677$3,156.2562320$3,127.87
60945$3,155.8862886$3,128.07
61536$3,155.7962688$3,128.47
62555$3,155.4762684$3,129.27
60145$3,154.7662355$3,129.31
60151$3,153.7162044$3,129.55
62268$3,152.6662435$3,131.50
60969$3,151.9162541$3,131.58
60927$3,151.8862361$3,131.84
61547$3,150.7961567$3,131.96
62881$3,150.1962517$3,132.57
60450$3,149.8962849$3,132.75
62532$3,149.8062617$3,132.78
62263$3,149.4961559$3,133.14
62081$3,149.4861552$3,133.33
61027$3,149.2762356$3,133.87
60175$3,148.7362876$3,134.50
62530$3,148.6762086$3,134.92
61237$3,148.6162519$3,134.95
61615$3,148.5360966$3,135.15
60111$3,148.4461517$3,136.12
60542$3,148.2460974$3,136.30
62625$3,147.8862807$3,136.33
62892$3,147.7862540$3,136.33
60951$3,147.6662339$3,136.39
62561$3,147.1660931$3,136.95
62347$3,146.6661533$3,137.22
62546$3,146.1962016$3,137.27
62801$3,146.1860474$3,137.42
62661$3,146.0762345$3,137.85
60424$3,144.5761529$3,138.91
62613$3,143.9962615$3,139.28
62712$3,143.3562346$3,139.54
62895$3,142.9060552$3,139.90
62376$3,142.5562054$3,141.07
60549$3,142.3960174$3,141.41
62670$3,141.71
62027$3,141.87

—Most Expensive/Least Expensive Carrier Rates by City

Take a look at the table below listing the most/least expensive carrier rates according to the city. Use the search box to look for various cities. As you can see, your location is a significant factor in the rates you can expect to pay.

Most Expensive CitiesAverage RateLeast Expensive CitiesAverage Rate
Harvey$5,086.94Kewanee$2,792.51
Dolton$4,916.48Lyndon$2,798.77
Markham$4,909.88Charleston$2,798.85
Calumet City$4,869.58Morrison$2,804.51
Riverdale$4,740.34Hooppole$2,806.57
Robbins$4,713.49Osco$2,807.10
Posen$4,648.95Atkinson$2,810.61
Elmwood Park$4,609.74Annawan$2,819.58
Cicero$4,606.10Cambridge$2,820.35
Hazel Crest$4,594.20Fenton$2,821.17
Blue Island$4,583.03Prophetstown$2,822.68
Bedford Park$4,580.45Mattoon$2,826.12
National Stock Yards$4,577.82Geneseo$2,826.44
Maywood$4,548.72Deer Grove$2,827.01
Chicago$4,548.35Galesburg$2,829.06
East Saint Louis$4,537.91Erie$2,830.99
Bellwood$4,533.25Wyanet$2,838.40
#N/A$4,511.85Tampico$2,839.47
Broadview$4,458.24Andover$2,839.82
Stone Park$4,434.54Buda$2,846.26
Skokie$4,422.17Depue$2,846.43
Lovejoy$4,382.97Chenoa$2,849.60
Madison$4,370.47Sheffield$2,851.38
Venice$4,353.67Tiskilwa$2,851.82
Forest Park$4,338.78Fisher$2,851.95
Lincolnwood$4,326.97Neponset$2,852.19
Harwood Heights$4,304.31Galva$2,852.25
River Grove$4,297.14Seatonville$2,853.01
Berwyn$4,296.74Monticello$2,853.12
Schiller Park$4,272.36Fulton$2,853.57
Melrose Park$4,265.79Tuscola$2,853.86
Summit Argo$4,258.22Rantoul$2,855.39
Alsip$4,230.03Bureau$2,855.83
Justice$4,195.41Mineral$2,858.77
Franklin Park$4,191.23Foosland$2,862.18
South Holland$4,157.78Albany$2,862.50
Bridgeview$4,151.16Dalzell$2,862.96
Niles$4,131.37Montrose$2,864.31
Hometown$4,129.01Ludlow$2,865.21
Matteson$4,120.57Effingham$2,865.49
Country Club Hills$4,108.35Cherry$2,866.90
Burbank$4,103.45Kansas$2,868.63
Oak Park$4,091.95Mansfield$2,868.66
Evergreen Park$4,089.62Bishop Hill$2,868.78
Morton Grove$4,076.50Orion$2,868.98
Hines$4,061.76La Place$2,869.46
Park Ridge$4,059.05La Moille$2,869.73
River Forest$4,057.21Walnut$2,870.29
Hickory Hills$4,039.38Neoga$2,870.67
Berkeley$4,020.88Gridley$2,870.71
Chicago Heights$4,019.87Sullivan$2,871.39
Techny$3,996.04Woodhull$2,871.60
Olympia Fields$3,987.28Atwood$2,871.68
Steger$3,977.35Oakland$2,872.31
Golf$3,976.45Manlius$2,872.46
Worth$3,972.90Ladd$2,872.59
Oak Lawn$3,969.48Dewey$2,872.94
Caseyville$3,967.48Arlington$2,873.96
Chicago Ridge$3,965.03Ohio$2,874.34
Des Plaines$3,963.48White Heath$2,874.41
Richton Park$3,962.01Dieterich$2,874.47
Midlothian$3,959.63Brocton$2,874.51
Granite City$3,956.39Bement$2,874.88
Homewood$3,933.50Jewett$2,874.98
Palos Park$3,922.60Princeton$2,875.03
Hartford$3,918.95Quincy$2,875.62
Glenwood$3,908.03Bellflower$2,875.96
Palos Hills$3,900.07Le Roy$2,877.49
Thornton$3,885.00Merna$2,877.66
Willow Springs$3,876.76Brownstown$2,877.76
Glenview$3,873.86Shirley$2,878.07
Park Forest$3,872.12Toledo$2,878.57
Lansing$3,859.93Lexington$2,878.86
Lyons$3,856.87De Land$2,879.01
Alton$3,852.75Saint Elmo$2,879.02
Riverside$3,841.77Ivesdale$2,879.57
Oak Forest$3,834.07Mason$2,880.79
Northbrook$3,816.92Westfield$2,881.00
Flossmoor$3,811.00Teutopolis$2,881.41
Glencoe$3,799.99Rock Falls$2,881.70
Roxana$3,797.13Hindsboro$2,882.25
Kenilworth$3,796.50Ophiem$2,882.49
East Alton$3,785.02Sterling$2,882.68
Brookfield$3,784.67Arcola$2,883.48
University Park$3,781.55Vandalia$2,883.53
Palos Heights$3,780.50Edgewood$2,883.73
Hillside$3,778.42Hudson$2,884.03
La Grange$3,776.74Shumway$2,884.12
Wood River$3,769.64Towanda$2,884.55
Evanston$3,768.70Roseville$2,885.08
Wilmette$3,750.04Stronghurst$2,885.20
Wheeling$3,742.95Pontiac$2,885.55
Buffalo Grove$3,727.14Gerlaw$2,885.74
Winnetka$3,724.81Watson$2,886.57
Dupo$3,717.80Saybrook$2,888.34
Cottage Hills$3,716.00Little York$2,888.36
Westchester$3,713.40New Bedford$2,888.51
South Roxana$3,712.23Van Orin$2,889.39
La Grange Park$3,711.91Bradford$2,889.88
Prospect Heights$3,695.36Cameron$2,890.39
Western Springs$3,667.07Malden$2,891.13
Mount Prospect$3,661.28Gifford$2,891.38
Deerfield$3,657.34Cisco$2,891.70
Highland Park$3,649.63Sigel$2,892.11
Mc Clure$3,641.89Camargo$2,892.46
Highwood$3,636.50Lomax$2,893.40
Willowbrook$3,632.23Anchor$2,893.52
East Carondelet$3,631.17East Galesburg$2,893.53
Menard$3,626.34Alexis$2,893.55
Hanover Park$3,612.70Monmouth$2,893.64
Cairo$3,608.65Alpha$2,893.81
Miller City$3,607.54Greenup$2,894.26
Thebes$3,603.17Redmon$2,894.31
Freeman Spur$3,594.30Lynn Center$2,894.42
Perks$3,591.85Casey$2,894.49
Fairview Heights$3,589.62Ramsey$2,894.63
Bartlett$3,584.02Martinsville$2,895.85
Fort Sheridan$3,578.18Oquawka$2,895.91
Oak Brook$3,576.14Penfield$2,896.17
Tamms$3,568.92Bethany$2,897.23
Belleville$3,567.77Altamont$2,898.26
Oraville$3,567.04Downs$2,899.37
Orland Park$3,566.18Preemption$2,899.53
North Chicago$3,563.64Heyworth$2,899.81
Hoffman Estates$3,561.30Arthur$2,901.31
Lincolnshire$3,559.86Cerro Gordo$2,901.69
Bolingbrook$3,559.14Milmine$2,901.78
Boles$3,556.17Harmon$2,902.12
Frankfort Heights$3,553.06Thomasboro$2,902.52
Streamwood$3,552.63Raritan$2,902.90
Joliet$3,552.02Knoxville$2,903.54
Winthrop Harbor$3,546.36Media$2,904.29
Logan$3,543.30Pesotum$2,904.31
Lemont$3,542.62Paris$2,904.78
Russell$3,541.81Biggsville$2,905.16
Tinley Park$3,538.74Murdock$2,905.70
Edwardsville$3,533.90Royal$2,907.19
Glendale Heights$3,529.03Spring Valley$2,907.19
New Burnside$3,526.18Smithshire$2,908.25
Great Lakes$3,524.41Mahomet$2,908.76
Schaumburg$3,523.14Beecher City$2,908.86
Maeystown$3,522.38North Henderson$2,908.90
Millstadt$3,518.99Shelbyville$2,909.16
Valmeyer$3,518.30Kirkwood$2,909.21
Monee$3,517.64Ashmore$2,909.22
Hamel$3,512.54Mc Lean$2,909.38
Darien$3,511.36Gibson City$2,909.50
Joppa$3,492.70Berwick$2,909.89
Addison$3,489.97Strasburg$2,910.06
Godfrey$3,489.13Amboy$2,910.29
Bethalto$3,488.01Paxton$2,910.38
Olive Branch$3,485.13Cooksville$2,911.16
Zion$3,482.47Thomson$2,911.63
Moro$3,478.63Windsor$2,911.74
Collinsville$3,478.37Marshall$2,912.01
Bensenville$3,477.57Peru$2,912.67
Mound City$3,477.19Odell$2,912.86
Plato Center$3,474.85Findlay$2,913.07
Metropolis$3,473.92Danvers$2,913.08
Unity$3,473.30Gladstone$2,913.16
Creal Springs$3,469.78Wataga$2,913.29
Waukegan$3,468.88Flanagan$2,913.47
Ullin$3,466.61Hammond$2,913.89
Westmont$3,465.27Sublette$2,914.01
Grand Chain$3,465.21Melvin$2,914.04
Pomona$3,464.07Ogden$2,914.15
Jonesboro$3,461.98Viola$2,914.98
Columbia$3,460.66Port Byron$2,915.04
Grand Tower$3,460.59West Union$2,915.17
Lake Zurich$3,459.80Cropsey$2,915.70
Red Bud$3,454.52Colona$2,915.90
Kankakee$3,454.42Arrowsmith$2,917.36
Olmsted$3,453.95Milledgeville$2,917.68
Crest Hill$3,453.73New Boston$2,918.06
Brookport$3,452.11Dennison$2,918.30
Clarendon Hills$3,451.09Cornell$2,918.41
Lake Forest$3,451.01Trilla$2,918.65
Wolf Lake$3,450.67Villa Grove$2,918.68
Grantsburg$3,448.40Joy$2,919.28
Karnak$3,448.27Longview$2,919.48
Hinsdale$3,448.10Galt$2,920.37
Livingston$3,446.68Homer$2,921.34
Marion$3,445.73Altona$2,921.66
Pulaski$3,444.50Aledo$2,921.85
Prairie Du Rocher$3,444.11Fairbury$2,921.98
Mounds$3,444.10Stanford$2,922.00
Troy$3,443.91Newman$2,922.49
Fults$3,442.99Bloomington$2,922.85
Ozark$3,442.28Carlock$2,923.08
Worden$3,441.01Normal$2,923.23
Fox Lake$3,440.05La Salle$2,923.49
Maryville$3,439.89Forrest$2,923.51
Modoc$3,438.09Wheeler$2,923.58
Gorham$3,437.95Eldena$2,923.97
Vienna$3,435.13Lerna$2,924.47
Baldwin$3,434.64Victoria$2,924.98
Villa Ridge$3,432.77Sibley$2,926.03
Alhambra$3,431.85Colfax$2,927.08
Johnston City$3,431.34Ellsworth$2,927.84
Crete$3,430.62Carman$2,928.17
Muddy$3,429.81West Brooklyn$2,928.69
Marine$3,429.79Oneida$2,929.13
Rockwood$3,429.10Kasbeer$2,929.41
Wadsworth$3,428.65Roberts$2,930.03
Beecher$3,427.99Broadlands$2,931.18
Dorsey$3,427.05Chadwick$2,931.18
New Douglas$3,426.70Mendota$2,931.37
Bloomingdale$3,426.62Nachusa$2,932.26
Evansville$3,426.29Matherville$2,933.39
Round Lake$3,426.06Lovington$2,933.77
Glen Carbon$3,425.36Graymont$2,934.68
Ava$3,425.22El Paso$2,934.98
Makanda$3,424.46Sherrard$2,935.39
Shorewood$3,422.31Lanark$2,935.47
Lake Villa$3,420.99New Windsor$2,936.18
Murphysboro$3,420.58Rio$2,936.53
Waterloo$3,420.36Tower Hill$2,937.22
Wood Dale$3,416.97Yale$2,937.44
Hecker$3,416.10Chrisman$2,937.48
Ellis Grove$3,415.92Saunemin$2,938.53
Plainfield$3,414.56Long Point$2,939.00
Goreville$3,414.38Lee Center$2,939.12
Herrin$3,413.00Piper City$2,939.75
Barrington$3,412.18Hume$2,939.83
Frankfort$3,411.86Coal Valley$2,940.31
Lockport$3,411.64Barstow$2,940.64
Brussels$3,411.35Lakewood$2,940.72
Downers Grove$3,410.57Herrick$2,941.66
Romeoville$3,410.08Farmer City$2,941.87
Steeleville$3,409.76Moline$2,941.89
Woodridge$3,409.70Cordova$2,942.05
Belknap$3,409.34Wapella$2,942.31
Jacob$3,408.99German Valley$2,942.60
Lebanon$3,408.90Williamsfield$2,942.87
Campbell Hill$3,408.11Keithsburg$2,943.24
Elkville$3,404.81Shannon$2,944.30
Fidelity$3,404.21Minonk$2,944.95
Mascoutah$3,404.19Elliott$2,945.07
Elsah$3,402.24Willow Hill$2,945.09
Libertyville$3,402.23Dakota$2,945.87
Benton$3,401.64Benson$2,946.92
Homer Glen$3,401.51Seaton$2,948.50
Vernon Hills$3,401.24Dahinda$2,948.66
Cypress$3,400.20Hillsdale$2,948.74
Sparta$3,400.01Oblong$2,948.75
Golden Eagle$3,399.85Dixon$2,948.82
Golconda$3,399.24Chatsworth$2,949.08
Mundelein$3,398.41Blackstone$2,949.11
Ingleside$3,398.07Ottawa$2,949.48
Medinah$3,397.61Sadorus$2,949.51
Chester$3,397.36Dwight$2,949.61
Antioch$3,397.28Strawn$2,950.87
Renault$3,396.35Roanoke$2,951.80
Energy$3,395.99West Liberty$2,951.86
Walsh$3,395.89Moweaqua$2,951.95
Vergennes$3,395.21Weldon$2,952.40
Alto Pass$3,394.48Oglesby$2,953.37
Carbondale$3,394.37Secor$2,953.39
Ohlman$3,391.58Kempton$2,953.41
Elgin$3,391.17Pearl City$2,954.39
Dongola$3,390.70Ancona$2,954.80
Palatine$3,388.97Dalton City$2,954.82
Buckner$3,388.15Goodfield$2,954.86
New Athens$3,387.77Hoopeston$2,955.02
Cobden$3,387.74Cowden$2,955.36
West Frankfort$3,386.75Seymour$2,955.56
De Soto$3,386.69Eureka$2,956.47
Buncombe$3,386.35Gays$2,956.60
Smithton$3,385.63Cedarville$2,957.02
Mozier$3,383.03Utica$2,957.46
Herod$3,382.97Cedar Point$2,957.50
Zeigler$3,382.54Olney$2,958.11
Hurst$3,382.00Kenney$2,958.16
Anna$3,381.71Bingham$2,958.19
Freeburg$3,379.07Lane$2,958.21
Wasco$3,374.40Tolono$2,958.70
Kaneville$3,373.94Reynolds$2,958.88
Lafox$3,373.94Ridott$2,959.02
Elizabethtown$3,373.74Noble$2,960.37
Carterville$3,371.71Bardolph$2,960.47
Christopher$3,371.49Robinson$2,961.05
Aroma Park$3,369.97Humboldt$2,961.18
Elmhurst$3,369.74Dundas$2,961.21
Villa Park$3,369.32Troy Grove$2,961.65
Mulkeytown$3,368.16Waynesville$2,961.87
Rosiclare$3,368.15Cullom$2,963.68
Lake Bluff$3,367.45Allerton$2,963.69
Percy$3,365.34Sidney$2,963.76
Colp$3,364.07Alvin$2,963.86
Eddyville$3,364.02Ingraham$2,964.36
Summerfield$3,363.97Newton$2,964.91
Sesser$3,363.40Milan$2,964.99
Saint Anne$3,363.05Ellery$2,965.22
Papineau$3,362.76Maquon$2,965.76
Cave In Rock$3,362.57Rankin$2,966.31
Tilden$3,361.77Armstrong$2,966.53
Coulterville$3,361.76Sainte Marie$2,966.89
Dow$3,361.09Nora$2,967.23
Arlington Heights$3,359.93Mode$2,967.43
Bourbonnais$3,359.38Dewitt$2,967.44
Royalton$3,357.78Saint Joseph$2,967.48
Carol Stream$3,356.33Abingdon$2,967.60
Grafton$3,354.48West York$2,967.78
Gurnee$3,353.58Mount Carroll$2,968.34
Huey$3,352.40Mc Connell$2,968.35
Junction$3,348.70Saint Augustine$2,968.35
Island Lake$3,347.34Lena$2,968.50
Elwood$3,343.61Oconee$2,968.82
Itasca$3,343.10Rossville$2,969.16
Pittsburg$3,343.10Hidalgo$2,969.27
Karbers Ridge$3,342.82Allendale$2,969.32
Rolling Meadows$3,342.55Claremont$2,969.45
Batchtown$3,341.97Albion$2,969.83
Scott Air Force Base$3,341.34Westville$2,970.48
Shawneetown$3,341.27Deer Creek$2,970.97
Rockford$3,341.21Illinois City$2,971.67
Michael$3,339.99Maroa$2,971.75
Wauconda$3,339.58Emington$2,971.80
Lenzburg$3,339.51Annapolis$2,972.44
Saint Libory$3,339.31Ridge Farm$2,972.51
Peotone$3,338.12Compton$2,972.59
Hardin$3,337.29Savoy$2,973.23
Hamburg$3,336.33Sidell$2,973.87
Lombard$3,334.98Catlin$2,974.08
Grayslake$3,334.50Rock Island$2,974.99
Roselle$3,334.17Keensburg$2,975.27
Carpentersville$3,332.57Gilson$2,975.31
Wrights$3,332.45Bellmont$2,975.60
Bradley$3,327.87Georgetown$2,976.30
Ridgway$3,327.37Philo$2,976.36
Coello$3,326.15Palestine$2,976.69
Carrier Mills$3,324.68Stewardson$2,976.92
Orient$3,324.18Tilton$2,977.67
Highland$3,321.23Fairmount$2,977.90
Marissa$3,320.16Ferris$2,978.29
Spring Grove$3,319.78Collison$2,979.23
Mokena$3,318.75Indianola$2,979.79
New Haven$3,317.91Clinton$2,979.82
Manteno$3,317.39Hutsonville$2,980.46
Richmond$3,317.27Blue Mound$2,980.58
Omaha$3,316.69Colchester$2,981.99
Simpson$3,316.29La Harpe$2,982.21
Raleigh$3,312.78Silvis$2,982.78
Elk Grove Village$3,310.96Yates City$2,983.08
Grant Park$3,309.96Morton$2,983.14
New Lenox$3,309.54Plymouth$2,983.32
Bunker Hill$3,307.42Freeport$2,983.89
Fox Valley$3,307.23Rock City$2,984.01
Eagarville$3,306.78Hamilton$2,984.05
Glen Ellyn$3,306.45Cabery$2,984.46
Channahon$3,303.49Congerville$2,985.23
Hagarstown$3,301.66Woodson$2,985.27
Pembroke Township$3,301.41Elvaston$2,985.68
Galatia$3,300.44Saint Francisville$2,986.18
Eldorado$3,299.36Pekin$2,986.19
Ringwood$3,298.64Mount Morris$2,986.66
O Fallon$3,298.63Flat Rock$2,986.67
Equality$3,298.17Castleton$2,987.12
Montgomery$3,297.99Metcalf$2,987.35
Valier$3,296.54Oakwood$2,987.84
Chebanse$3,296.52Wyoming$2,988.47
Dundee$3,296.17Winslow$2,988.80
West Chicago$3,295.35Good Hope$2,989.02
Shipman$3,293.49Toluca$2,989.79
Wilsonville$3,293.25Grayville$2,989.90
Stonefort$3,292.27Warrensburg$2,989.95
Goodwine$3,291.97Carthage$2,990.13
Piasa$3,289.57Argenta$2,990.25
Hettick$3,288.00Bondville$2,990.41
Harrisburg$3,287.80Mount Carmel$2,990.43
Momence$3,285.02Sumner$2,991.40
Girard$3,284.83Polo$2,991.44
Kampsville$3,283.59Lowpoint$2,991.97
Lowder$3,282.75Potomac$2,992.29
Minooka$3,281.69Campus$2,992.69
Palmyra$3,281.10Blandinsville$2,993.25
Medora$3,280.96Muncie$2,994.39
Modesto$3,276.37Industry$2,994.54
Fieldon$3,276.32East Moline$2,994.93
Ewing$3,274.32Andalusia$2,995.07
Aurora$3,272.59Farina$2,995.19
Hebron$3,270.68Emden$2,995.26
Manhattan$3,270.04Toulon$2,995.26
Emma$3,270.00Macomb$2,996.65
Virden$3,269.95La Rose$2,996.99
Chesterfield$3,269.53Streator$2,997.03
Nilwood$3,267.45Orangeville$2,997.08
Mchenry$3,267.03Carbon Cliff$2,997.70
Wilmington$3,259.02Jacksonville$2,998.32
Gillespie$3,258.37Basco$2,998.55
Whittington$3,257.32Fithian$2,998.75
Brighton$3,257.00La Fayette$2,998.84
Thompsonville$3,256.66Shobonier$2,999.03
Macedonia$3,256.46Calhoun$2,999.23
Yorkville$3,256.17Browns$2,999.25
Willisville$3,255.25Bushnell$2,999.40
Woodlawn$3,253.12Mark$3,000.00
Carlinville$3,252.40Bowen$3,000.01
Hopkins Park$3,251.33Savanna$3,000.43
Staunton$3,250.11Augusta$3,000.44
Capron$3,248.02Chana$3,001.08
Garden Prairie$3,247.45Tremont$3,001.41
Poplar Grove$3,247.20Warren$3,001.45
Hampshire$3,247.17Galena$3,002.09
Tamaroa$3,247.03Kent$3,002.81
Naperville$3,245.84Varna$3,003.32
Benld$3,241.71Franklin Grove$3,003.50
Eola$3,240.88South Pekin$3,003.52
Wayne$3,239.90Apple River$3,003.54
Bristol$3,238.64Groveland$3,004.02
Cutler$3,237.01West Salem$3,004.41
Lawndale$3,234.39Oreana$3,004.85
Cherry Valley$3,234.14Adair$3,004.96
Jerseyville$3,233.45Taylor Ridge$3,005.31
Harvard$3,233.21Lawrenceville$3,005.52
Pinckneyville$3,233.11Rutland$3,005.66
Du Quoin$3,233.03Parkersburg$3,005.70
Newark$3,232.90Bridgeport$3,005.78
Shirland$3,232.76Wenona$3,005.94
Butler$3,232.50Mackinaw$3,006.34
Dowell$3,229.49Leaf River$3,006.44
Taylor Springs$3,226.98Henry$3,006.45
Gilberts$3,226.95Flora$3,007.00
Millbrook$3,226.23Lincoln$3,007.07
South Elgin$3,226.08Standard$3,007.27
Broughton$3,225.62Davis$3,008.52
Mount Olive$3,225.47Paw Paw$3,009.01
Literberry$3,224.20Macon$3,009.03
Burlington$3,223.21Speer$3,009.10
Farmersville$3,222.69Sutter$3,009.21
Cary$3,222.46Henning$3,009.45
Peoria$3,222.27Danville$3,009.89
Belle Rive$3,221.94Washburn$3,010.24
Mc Leansboro$3,221.49Sciota$3,010.26
Texico$3,220.85Clay City$3,010.65
Dahlgren$3,220.03Woosung$3,012.20
Holcomb$3,220.02Dallas City$3,012.96
Irving$3,218.67Champaign$3,014.31
Millington$3,217.57Bismarck$3,014.63
Raymond$3,215.43Dana$3,015.63
Union$3,215.02Forreston$3,015.91
Scheller$3,214.28Urbana$3,016.09
Waltonville$3,213.47Rochelle$3,016.37
Caledonia$3,212.55Ipava$3,016.56
Walshville$3,211.53Dunfermline$3,016.60
Braidwood$3,211.17Atlanta$3,016.64
Coal City$3,210.65Delavan$3,017.27
Bonnie$3,210.47Saint David$3,017.34
New Baden$3,210.41East Lynn$3,017.36
Bonfield$3,210.34Armington$3,017.40
Dix$3,209.51Camp Grove$3,017.80
Norris$3,209.35Nauvoo$3,018.00
Waggoner$3,209.03Granville$3,018.71
Bluff Springs$3,208.65Saint Peter$3,019.57
Winfield$3,208.26Lostant$3,020.46
Wheaton$3,207.01Wedron$3,020.69
Saint Jacob$3,206.42Washington$3,020.76
Fillmore$3,202.81Mt Zion$3,021.00
Lisle$3,202.48Esmond$3,021.61
Trenton$3,202.31Bryant$3,023.00
Harvel$3,202.10Chapin$3,023.27
Mooseheart$3,201.92Niota$3,023.73
Ina$3,201.71Prairie City$3,023.80
Hillsboro$3,201.13Vermont$3,023.82
Lake In The Hills$3,200.96Avon$3,024.54
Kinsman$3,200.32Lewistown$3,024.81
Springfield$3,199.77Bone Gap$3,024.91
Huntley$3,199.22Hampton$3,025.58
Opdyke$3,196.67Cisne$3,025.90
Coffeen$3,196.66Louisville$3,026.02
Belvidere$3,195.76Xenia$3,026.07
Carlyle$3,195.35Rushville$3,026.24
Woodstock$3,194.90Tonica$3,026.92
Beckemeyer$3,194.64Baileyville$3,027.28
Mechanicsburg$3,194.08Boody$3,027.28
Patterson$3,193.94Sparland$3,027.39
Herscher$3,193.89Tennessee$3,027.50
Pierron$3,193.74Beardstown$3,027.67
Oswego$3,192.85Stockton$3,028.22
Braceville$3,192.46Warsaw$3,028.50
New Memphis$3,192.27Canton$3,028.60
Buffalo$3,191.84Niantic$3,029.10
Wonder Lake$3,191.47West Point$3,029.11
Litchfield$3,191.30Hopedale$3,031.17
Germantown$3,191.00Scales Mound$3,031.29
Decatur$3,190.65Assumption$3,034.15
Richview$3,190.63Kingston Mines$3,034.89
Albers$3,190.62Hanover$3,035.35
Witt$3,189.02Lacon$3,036.08
Algonquin$3,188.70Leonore$3,036.45
Bartelso$3,187.74Green Valley$3,036.49
Addieville$3,187.32Metamora$3,037.24
Bluford$3,186.94Chandlerville$3,037.91
Loves Park$3,186.84Elizabeth$3,037.98
Machesney Park$3,186.48Fairfield$3,038.28
Dawson$3,186.42Grand Ridge$3,038.76
Aviston$3,186.35Browning$3,039.16
Buckingham$3,185.14Byron$3,039.31
Illiopolis$3,184.26Oregon$3,039.38
Colusa$3,183.91Minier$3,039.49
Leland$3,183.82Alexander$3,040.20
Fox River Grove$3,183.32Beason$3,041.06
Nokomis$3,180.72Murrayville$3,042.47
Rosamond$3,179.67Forsyth$3,043.14
Mount Auburn$3,179.44Lindenwood$3,043.89
Creston$3,178.62Winnebago$3,044.64
Hoyleton$3,177.06South Beloit$3,045.57
Edinburg$3,176.92Seward$3,046.36
Warrenville$3,176.68Farmington$3,046.67
Sandoval$3,176.54Steward$3,047.04
Kell$3,175.44Pecatonica$3,047.83
Nason$3,175.19Davis Junction$3,048.71
Breese$3,175.12Sailor Springs$3,049.29
Marengo$3,173.92Mount Sterling$3,049.65
Stoy$3,173.91Rockton$3,051.18
Essex$3,173.42Manchester$3,052.02
Mount Vernon$3,173.42Hartsburg$3,052.47
Pawnee$3,173.08Franklin$3,052.63
Hull$3,173.03Hennepin$3,052.66
Walnut Hill$3,172.12New Holland$3,053.92
Keenes$3,170.81Marseilles$3,054.24
Dunlap$3,170.24Astoria$3,055.66
Plano$3,168.34Cuba$3,055.74
Panama$3,167.97East Peoria$3,056.65
Du Bois$3,167.83Concord$3,056.68
Verona$3,167.82Magnolia$3,057.00
Sugar Grove$3,165.82Putnam$3,058.90
Payson$3,165.62Carmi$3,059.57
Triumph$3,165.50Durand$3,060.20
Okawville$3,163.34Seneca$3,060.98
Trivoli$3,163.25Norris City$3,061.35
Big Rock$3,162.17Chestnut$3,061.68
Odin$3,161.67Stillman Valley$3,062.34
Edwards$3,161.44Winchester$3,063.21
Irvington$3,161.42Batavia$3,063.27
Beaverville$3,160.82Virginia$3,064.04
Ashley$3,159.97Golden Gate$3,064.06
Plainville$3,159.60Fairview$3,064.36
Donnellson$3,158.74Malta$3,065.39
Stonington$3,158.28East Dubuque$3,066.36
Mazon$3,158.23Chatham$3,068.04
Sheridan$3,157.97Roscoe$3,068.05
Claytonville$3,157.51Mc Nabb$3,068.38
Pocahontas$3,156.80Geff$3,069.76
Pleasant Plains$3,156.25Marietta$3,070.52
Iroquois$3,155.88London Mills$3,070.80
Hanna City$3,155.79Shabbona$3,072.06
Owaneco$3,155.47Ashton$3,072.41
Kingston$3,154.76Ashland$3,072.46
Maple Park$3,153.71Enfield$3,072.75
Oakdale$3,152.66Smithfield$3,072.85
Union Hill$3,151.91Burnt Prairie$3,073.32
Clifton$3,151.88Middletown$3,073.84
Mapleton$3,150.80Fiatt$3,074.52
Salem$3,150.19Alsey$3,075.12
Morris$3,149.89Latham$3,075.51
Elwin$3,149.80Arenzville$3,075.73
Nashville$3,149.49Versailles$3,076.37
Rockbridge$3,149.48Crossville$3,076.65
Eleroy$3,149.27Ellisville$3,076.87
Divernon$3,148.67Rochester$3,077.03
Buffalo Prairie$3,148.61Liverpool$3,077.28
Clare$3,148.44Fowler$3,077.52
North Aurora$3,148.24Timewell$3,077.89
Cantrall$3,147.88Meredosia$3,078.83
Vernon$3,147.78Mulberry Grove$3,079.75
Martinton$3,147.66Laura$3,079.81
Riverton$3,147.16Mount Erie$3,080.16
Liberty$3,146.66Sycamore$3,080.45
Morrisonville$3,146.19Lincolns New Salem$3,080.81
Centralia$3,146.18Waverly$3,080.87
Loami$3,146.08Harristown$3,081.05
Saint Charles$3,145.07Elkhart$3,083.52
Gardner$3,144.57Danforth$3,083.69
Athens$3,143.99Pana$3,083.71
Wayne City$3,142.90Mount Pulaski$3,086.81
Ursa$3,142.55Genoa$3,087.90
Serena$3,142.39Williamsville$3,090.93
Eldred$3,141.87Bluffs$3,091.04
New Berlin$3,141.71Table Grove$3,092.48
Kane$3,141.07Perry$3,092.76
Somonauk$3,139.90Littleton$3,093.33
La Prairie$3,139.54Rinard$3,093.72
Auburn$3,139.29Chambersburg$3,094.35
Elmwood$3,138.91Monroe Center$3,094.54
Kinderhook$3,137.85Ransom$3,094.55
South Wilmington$3,137.42Maunie$3,094.65
Carrollton$3,137.26Pittsfield$3,094.81
Glasford$3,137.22New Salem$3,094.88
Donovan$3,136.95Barnhill$3,095.77
Golden$3,136.39Frederick$3,096.91
Alma$3,136.33Huntsville$3,097.78
Kincaid$3,136.33Peoria Heights$3,098.03
Woodland$3,136.30Onarga$3,098.05
Brimfield$3,136.12Gilman$3,098.11
Sheldon$3,135.15Geneva$3,098.49
Cornland$3,134.95Buckley$3,099.12
Sorento$3,134.92Dekalb$3,099.31
Radom$3,134.50Hoffman$3,099.89
New Canton$3,133.87Mill Shoals$3,100.02
Mossville$3,133.33Coatsburg$3,102.08
Princeville$3,133.14Griggsville$3,103.05
Bath$3,132.78Baylis$3,103.17
Iuka$3,132.75Vermilion$3,103.20
Bulpitt$3,132.57Waterman$3,104.04
Topeka$3,131.96Lee$3,104.13
Pearl$3,131.84Mason City$3,104.77
Lake Fork$3,131.58Keyesport$3,105.58
Janesville$3,131.50Barry$3,105.68
Greenfield$3,129.55Camden$3,106.27
Nebo$3,129.31Crescent City$3,106.34
Sherman$3,129.27Crystal Lake$3,106.34
Tallula$3,128.47Loda$3,106.44
Sims$3,128.07Stockland$3,106.77
Camp Point$3,127.87Creve Coeur$3,106.82
Patoka$3,127.70Milford$3,106.87
Easton$3,127.42Lima$3,107.95
Taylorville$3,126.78Earlville$3,108.01
Mendon$3,126.29Greenview$3,108.02
Kinmundy$3,125.85Oakford$3,108.07
Wellington$3,125.80Manito$3,108.89
Paloma$3,124.39Rapids City$3,109.87
Kirkland$3,124.11Springerton$3,111.54
Chillicothe$3,123.82Johnsonville$3,111.65
Roodhouse$3,122.93Watseka$3,111.68
Sandwich$3,122.77Rockport$3,111.91
Elburn$3,122.02Ashkum$3,112.09
Hillview$3,121.25Edelstein$3,112.94
Smithboro$3,121.15Cortland$3,114.93
Petersburg$3,120.97Kilbourne$3,115.17
Greenville$3,120.92Thawville$3,115.25
Glenarm$3,120.53Palmer$3,115.30
Hinckley$3,120.11Tovey$3,115.30
Forest City$3,119.84Clayton$3,115.45
Reddick$3,118.90Cissna Park$3,115.60
Loraine$3,116.85White Hall$3,116.08
San Jose$3,116.70Havana$3,116.65
Pleasant Hill$3,116.68

Illinois Car Insurance Companies

There are so many car insurance carriers vying for your business these days, it’s hard to know which ones actually come through on their promises.

No need to worry, we’ve got you covered! Keep scrolling to find out who the 10 best providers are across the state.

Ready to go? Let’s get this show on the road…

—The 10 Largest Illinois Car Insurance Companies’ Financial Rating

AM Best gives insurance companies financial ratings. A good score means they are highly likely to stay solvent and have the ability to pay customer claims.

CompanyAM Best Rating
State FarmA++
Allstate InsuranceA+
Country Insurance & Financial ServiceA+
GEICOA++
ProgressiveA+
FarmersA
American Family InsuranceA
Liberty MutualA
USAAA++
TravelersA++

Besides premiums, one of the other components that should factor into your decision when picking an insurance carrier is customer ratings. Want to find out what customers really think about the top Illinois car insurance carriers?

—Companies with Best Ratings

Illinois falls into the North Central Region for the 2018 J.D. Power auto insurance study. The top insurances companies of Illinois are sprinkled throughout the customer satisfaction ratings provided by this trusted source.

Weigh the good against the bad by looking at complaints as well as accolades.

—Car Insurance Company Complaints

The complaint index of each company calculates how much larger a company’s share of complaints is compared to its share of profits across the state. Companies that have a complaint index higher than one are worse than the average insurer in Illinois, and those with an index below one are better than average.

CompanyComplaint Ratio
Country Financial0.06
Hanover0.1
SafeCo0.12
State Farm0.13
Farmers0.13
Standard Fire Insurance0.14
Allstate0.18
MetLife0.18
USAA0.19
Progressive0.21
Erie0.21
American Family0.22
GEICO0.23
Standard Mutual0.24
Hartford0.26
AAA0.29
Esurance0.29
Liberty Mutual0.32
Allied0.34
Auto Owners0.35
Nationwide0.4
Bristol West Insurance Company0.49
Safe Auto Insurance Company0.52
Ameriprise0.58
Mendota Insurance0.68
Elephant Insurance Company1.17
First Acceptance Insurance Company Inc.1.46
Safeway Insurance Company1.48
American Access Casualty Company1.6
Fred Loya Insurance1.63
First Chicago Insurance Company1.75
Unique Insurance Company3.18
Founders Insurance Company3.28
Falcon Insurance Company3.36
Stonegate Insurance Company3.76
American Freedom Insurance Company4.24
American Alliance Casualty Company4.3
Lighthouse Casualty Company4.95
Direct Auto Insurance Company5.85
United Equitable Insurance Company6.34

Bear in mind, some complaints are based on general customer satisfaction, so factor that into your final decision.

—Car Insurance Rates by Provider in Illinois

We know that rates are one of the biggest factors that impact your choices in Illinois car insurance. The below chart shows ten of the top carriers in the state, along with their average rates compared to the overall state average.

CompanyAverageCompared to State AveragePercent +/- State Average
Allstate F&C$5,182.27$1,911.32+36.88%
American Family Mutual$3,805.49$534.54+14.05%
GEICO Cas$2,764.21-$506.75-18.33%
Illinois Farmers Ins Co$4,576.37$1,305.42+28.53%
Nationwide Mutual Fire$3,020.22-$250.74-8.30%
Progressive Northern$3,517.99$247.04+7.02%
Safeco Ins Co of IL$2,269.25-$1,001.71-44.14%
State Farm Mutual Auto$2,328.78-$942.17-40.46%
Travelers Standard Fire Ins Co$2,478.21-$792.75-31.99%
USAA$2,766.75-$504.20-18.22%

Our researchers discovered that Allstate charges the most in average premiums, with Ilinois Farmers Insurance coming in at 2nd place for the highest annual rates. Meanwhile, Safeco comes in number one for the lowest average rates.

—Commute Rates

The table below compares the rates of top carriers in the state against average commute times. Interestingly enough, Allstate comes out with the highest premium for annual mileage while Liberty Mutual and USAA compete for the lowest premium for annual mileage.

Company10 miles commute or 6,000 annual mileage25 miles commute or 12,000 annual mileage
Allstate$5,182.27$5,182.27
American Family$3,756.53$4,576.37
Farmers$4,576.37$3,854.46
GEICO$2,712.74$3,517.99
Liberty Mutual$2,269.25$3,020.22
Nationwide$3,020.22$2,844.44
Progressive$3,517.99$2,815.67
State Farm$2,270.17$2,575.47
Travelers$2,380.94$2,387.40
USAA$2,689.07$2,269.25

—Coverage Level Rates

Think of your needed coverage level as a way to equalize your assets in the event you are taken to court regarding an at-fault car accident. An example of the amount of liability at a low coverage rate would be 50/100/50, medium level coverage would be 100/300/100, and high coverage would be 250/500/100.

Low, medium, and high coverage level rates for the top ten insurance providers in Illinois are listed in the table below.  These rates are averaged across all zip codes.

CompanyLow CoverageMedium CoverageHigh Coverage
Allstate$5,020.65$5,177.14$5,349.03
American Family$3,673.16$3,944.42$3,798.90
Farmers$4,353.36$4,468.30$4,907.46
GEICO$2,529.05$2,756.71$3,006.86
Liberty Mutual$2,140.41$2,264.25$2,403.08
Nationwide$3,000.83$3,045.06$3,014.77
Progressive$3,232.62$3,504.03$3,817.33
State Farm$2,200.64$2,332.30$2,453.41
Travelers$2,323.26$2,475.20$2,636.16
USAA$2,582.81$2,764.19$2,953.26

As you can see, on average, it doesn’t cost much more per year to get medium ($14 more per month) or even high-level coverage ($27 more per month). For some insurance companies, the difference between low and high coverage is much lower than the average.

—Credit History Rates

According to a study conducted by Experian, the average resident of Illinois has a credit card VantageScore of 683 and around 3.14 credit cards in their name. The average Illinois consumer has a credit card balance of $6,410.

CompanyPoor Credit RateFair Credit RateGood Credit Rate
Allstate$6,613.50$4,765.11$4,168.20
American Family$5,064.08$3,442.45$2,909.95
Farmers$5,201.91$4,369.76$4,157.45
GEICO$4,439.22$2,166.11$1,687.28
Liberty Mutual$3,209.71$2,002.97$1,595.06
Nationwide$3,606.83$2,908.56$2,545.26
Progressive$4,013.61$3,400.36$3,140.02
State Farm$3,384.91$2,027.96$1,573.47
Travelers$3,024.35$2,433.13$1,977.14
USAA$3,684.79$2,530.45$2,085.02

If you think that your credit card debt and car insurance rates have no correlation, think again. Insurance carriers run credit checks on their insureds to assess the likelihood of them filing a claim at any point. If your credit score doesn’t meet their standards, you might just see a spike in your rates regardless if you’ve had an accident or not.

—Driving Record Rates

As you’ll see in the table below, your driving history has a direct effect on the premiums you can expect to pay.

CompanyClean RecordOne Speeding ViolationOne AccidentOne DUI
Allstate$3,712.50$4,869.92$6,295.82$5,850.85
American Family$2,797.36$3,173.51$3,971.42$5,279.69
Farmers$3,865.35$4,601.59$4,981.19$4,857.36
GEICO$1,980.04$2,438.42$2,787.85$3,850.51
Liberty Mutual$1,891.37$2,146.09$2,681.59$2,357.92
Nationwide$2,432.56$2,794.56$3,149.89$3,703.87
Progressive$2,900.83$3,665.72$4,293.62$3,211.80
State Farm$2,128.05$2,328.78$2,529.52$2,328.78
Travelers$1,971.92$2,473.62$2,583.81$2,883.48
USAA$1,971.53$2,378.06$2,834.82$3,882.60

If you look at the rates listed for American Family, for example, you’ll notice that the rate difference for a clean record versus one DUI is nearly $2,500 premium jump, while State Farm increases by as little as $200 from a clean driving record to having one DUI.

—The 10 Largest Car Insurance Companies in Illinois

In the table below are the 10 insurance companies in Illinois that are at the top of the market share. A loss ratio shows how much a company spends on claims to how much money they take in on premiums.

CompanyDirect Premiums WrittenLoss RatioMarket Share
Allstate Insurance$854,95951.65%11.52%
American Family Insurance$324,58868.65%4.37%
Country Insurance & Financial Service$494,30063.70%6.66%
Farmers$326,15063.45%4.39%
GEICO$468,40274.41%6.31%
Liberty Mutual$216,61762.03%2.92%
Progressive$428,17258.57%5.77%
State Farm$2,365,80167.70%31.87%
Travelers$119,79863.14%1.61%
USAA$175,85976.55%2.37%

—Number of Car Insurance Providers in Illinois

Property & Casualty InsuranceNumber
Domestic191
Foreign860
Total1,051

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Laws in Illinois

In order to keep your car insurance rates low, you have to know the laws in your state so you’re not blindsided by a fine.

Don’t worry! We’re here to help.

Keep reading to learn about the laws specific to the state of Illinois.

—Car Insurance Laws in Illinois

Car insurance laws will be different in various states, but Illinois keeps things fairly standard.

—High-Risk Insurance

For drivers with a history of accidents or traffic violations, they may find themselves unable to purchase coverage from an auto insurance carrier. This is where a type of insurance known as high-risk insurance comes into play.

But, don’t fret!

If you are having trouble finding a car insurance carrier, you may apply for insurance through the Illinois Automobile Insurance Plan (ILAIP).

You must verify that you have tried and failed to get reasonable rates within 60 days of serving your sentence.

—Low-Cost Insurance

The state of Illinois currently does not provide any special low-cost insurance programs. Illinois law requires drivers to carry a minimum amount of liability insurance. Penalties for not having insurance can be severe. You can’t afford not to have insurance.

—Windshield Coverage

While some states mandate a waived deductible for windshield repairs, and others specify the use of only manufacturer replacement parts, Illinois does permit replacement with aftermarket parts with written notice; however, you may refuse, but you will pay the difference in the quote.

There is not a law that mandates insurance companies in Illinois to offer a zero deductible with comprehensive coverage, but it is an option.

If windshield coverage is something you desire, you will need to have comprehensive coverage and you will have to carefully examine how the different insurance providers handle windshield claims.

—Automobile Insurance Fraud in Illinois

Insurance fraud is a criminal offense in the state of Illinois, occurring when an individual attempts to deceive an insurer to receive benefits or payouts they are not qualified to obtain.

In Illinois, there are five ways in which insurance fraud is committed:

  • Knowingly obtains, attempts to obtain, or causes to be obtained;
  • By deception, control over the property of an insurance company, or self-insured entity;
  • By the making of a false claim; or
  • By causing a false claim to be made on any policy of insurance issued by an insurance company;
  • Intending to deprive an insurance company or self-insured entity permanently of the use and benefit of that property.

Insurance fraud is considered a:

  • Class A misdemeanor if the value in question is $300 or under, punishable by as much as one year’s imprisonment and/or $2,500 fine
  • Class 3 felony if the value in question is over $300, punishable by as much as five years imprisonment and/or $10,000 fine
  • Class 2 felony if the value in question is over $10,000 but less than $100,000, punishable by as much as 7 years imprisonment
  • Class 1 felony if the value in question is over $100,000, punishable by as much as 15 years imprisonment

The state of Illinois has a fraud bureau, but it does not apply to automobile insurance.

Simply put, don’t commit insurance fraud, and you’re good to go.

—Statute of Limitations

A statute of limitations is the limit on the amount of time you have to bring a lawsuit to court. Different states have different statutes of limitations for personal injury and property damage matters.

If you are ever in an auto accident involving extensive injuries and damages, you need to know your rights in the matter.

735 Illinois Compiled Statutes section 5/13-202 explains that you have to get your personal injury lawsuit filed within two years of the date of the car accident. However, according to 735 ILCS 5/13-209, if the accident results in the death of a person, a wrongful death lawsuit must be filed within one year of the date of the deceased person’s death or within the otherwise two-year limit, whichever is later.

Illinois law 735 ILCS 13-205 gives you five years to file a property damage suit.

—Vehicle Licensing Laws in Illinois

Now, we all know that you can’t drive a car without a license. Let’s find out what mandatory vehicle licensing laws are in Illinois.

—Penalties for Driving Without Insurance

  • First Offense – Fine: $500 minimum; License plate suspension until $100 reinstatement fee and insurance proof
  • Second Offense – Fine: $1,000 minimum; License plate suspension for four months; $100 reinstatement fee and insurance proof

—Teen Driver Laws

Young Driver Licensing LawsAge RestrictionsPassenger RestrictionsTime Restrictions
Learner's Permit:15 yearsfirst 12 months—no more than 1 passenger younger than 20 (family member exception)starts 10 p.m. Sun.-Thur., 11 p.m. Fri.-Sat., ends 6 a.m.
Provisional License15 years; 9 months holding period; 50 hours supervised driving time, 10 of which must be at nightRestrictions in effect for 12 months or until age 18 (min. age: 17)Restrictions in effect until age 18 (min. age: 18)
Full License16 yearsNone.None.

In Illinois, enrollment in the Graduated Driver Licensing (GDL) program is required to help teen drivers gradually get more comfortable driving. The program has been in effect since 2008.

In fact, Illinois has cut teen driving deaths in half since beginning the GDL, from 155 teen deaths in 2007 to 76 in 2017.  In the first year of the program alone, the death rate was reduced by 67 percent.

In addition, any 18-20 year old who did not take driver’s education in school (new residents, for example) must complete a 6-hour adult driver education course.

—Older Driver and General Population License Renewal Procedure

Renewal ProceduresGeneral PopulationOlder Population
License renewal cycle4 years2 years for people 81 - 86; 1 year for people 87 and older
Mail or online renewal permittedboth, every other renewalnot permitted 75 and older
Proof of adequate vision required at renewalwhen renewing in person75 and older, every renewal

—New Residents

Here is a list of action items important for all new residents of Illinois:

  • The Office of the Illinois Secretary of State handles all matters related to vehicle licensing.
  • Visit a Secretary of State location, turn over all other state licenses, provide identification documents, and have your photo taken.
  • Pass the vision screening, written and/or driving exams, and pay your fees.
  • A 90-day, paper driver’s license will be provided, and expect the real deal in the mail within 15 business days.
  • Drivers under the age of 21 must complete a six-hour adult driver education course before obtaining a driver’s license.

—Comparative Negligence

In Ilinois, courts use a rule known as modified comparative negligence in the case if one driver is primarily at fault but the other driver is found to bear partial responsibility.

Typically, blame is divided between the responsible parties based on the percentage of responsibility each has. The percentage of responsibility is then applied to the total cost of personal injury and property damage.

If the blame assigned to the person claiming damages is less than that assigned to the other parties, the plaintiff is entitled to damages — reduced by the percentage for which the plaintiff is responsible.

However, if the blame assigned to the plaintiff is greater than that assigned to the other party or parties, the plaintiff is not entitled to damages.

—Rules of the Road in Illinois

Knowing the driving laws of Illinois is important to keep your insurance rates down.

Are you ready?

—Fault vs. No-Fault

The first thing to know is that Illinois follows a traditional fault-based system when it comes to financial responsibility for losses stemming from a crash: that includes car accident injuries, lost income, vehicle damage, and so on.

—Keep Right and Move Over Laws

Illinois law states that you should use the left lane for only passing and turning left with five exceptions.

When it comes to moving over, the law says “If it’s flashing, move over!”

Previous to January 1, 2017, the Move Over law – now known as “Scott’s Law,” only applied to emergency vehicles.  Now the law applies to all vehicles with flashing lights to include commercial vehicles.

“Scott’s Law” was named after Lieutenant Scott Gillen of the Chicago Fire Department who was struck and killed by an intoxicated driver while assisting at a crash on the Dan Ryan Expressway.

—Speed Limits

The Willis Tower elevator has a need for speed going 18 mph to the 103rd floor, but Illinois keeps drivers at a safe speed of 55 mph on its urban interstates.

Maximum posted speed limits are 70 mph on rural interstates, 65 mph on limited access roads, and 55 mph on all other roads.

However, Cook, DuPage, Kane, Lake, Madison, McHenry, St. Clair, and Will Counties have enacted a local ordinance setting the maximum large truck speed limit of 60 mph outside of urban districts and 55 mph inside urban districts.

—Seat belt, Carseat, and Cargo Area Laws

Seat belt use in Illinois is primarily enforced and requires anyone in the front seat to be at least 8 years old with a fine of $25 if violated.

2019 child safety seat laws in Illinois require that children younger than 2 years old be in a rear-facing child restraint unless the child weighs 40 or more pounds or is 40 or more inches tall.

Effective June 1, 2019, children seven years and younger will be required to be in a child safety seat.

An adult belt is permissible for children 8-15 years old and over 40 pounds with no preference for the rear seat.

Currently, there is not an Illinois state law that regulates transporting people in the cargo areas of pick-up trucks.

—Ridesharing

Rideshare services like Uber and Lyft mandate that all their drivers carry personal car insurance policies that align or exceed the minimum coverages dictated by state law. Drivers rarely carry their own commercial insurance coverage; however, nine companies provide rideshare insurance in Illinois.

—Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS),

Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. In driving, automation involves using radar, camera and other sensors to gather information about a vehicle’s surroundings, which is then used by computer programs to perform parts or all of the driving task on a sustained basis.”

Currently, Illinois is testing the various types of driving automation on public roads. State law requires that a licensed operator be in the vehicle and have liability coverage.

—Safety Laws in Illinois

But wait, there’s more! Let’s dig deeper into the safety laws in Illinois to protect you on the open road.

—DUI Laws

DUI OffensesDUI Details
BAC Limit0.08
HIGH BAC Limit0.16
Criminal Status by Offense1st-2nd class A misdemeanor, 3rd-4th class 2 felony, 5th class 1 felony, 6th+ class X felony
Formal Name for OffenseDriving Under the Influence (DUI)
Look Back Period/Washout Period10 years
1st Offense-ALS or Revocation1 year
1st Offense Imprisonmentno minimum, but up to 1 year
1st Offense-Fine$500-$2,500
1st Offense-Otherbefore driving privileges restored, must complete substance evaluation and treatment program +high-risk auo insurance for 3 years.
2nd Offense-DL Revocation5 year min for 2nd conviction in 20 years
2nd Offense-Imprisonmentmandatory 5 days up to 1 year OR 240 hours community service
2nd Offense-Fine$1,250 to $2500
3rd Offense-DL Revocationmin 10 years +supsension of vehicle registration
3rd Offense-Imprisonment90 days minimum. Possible 3-7 years
3rd Offense-Fine$2,500 up to $25,000
4th Offense-DL Revocationfor life +suspension of vehicle registration
4th Offense-Imprisonmentpossible 4-15 years
4th Offense-Fineup to $25,000
5th Offenseimprisonment of 6-30 years with fines up to $25,000
6th OffenseSame as fifth
Mandatory Interlockall offenders

Illinois DUI laws are strict compared to most states. The only other states more strict are South Carolina and Florida.

—Marijuana-Impaired Driving Laws

Ilinois currently has a marijuana-specific impaired driving law that restricts blood toxicity levels to be no more than five nanograms of THC per se.

—Distracted Driving Laws

The state of Illinois currently has tough laws regarding hand-held device usage, cellphone usage, and texting.

Illinois has an all driver ban on any handheld device. They even clarify no blue-tooth conversations for those under 19 with an “all cell phone ban” …and it is primarily enforced.

Lawmakers keep it simple. It’s “10 and 2” for you, Illinois residents!

Primary enforcement means that you don’t have to be pulled over for anything else to get a citation for using any type of communication device.

Maybe Illinois lawmakers saw this video made by two entertaining scientists that put our assumptions about safe driving to the test.

The Mythbusters always know what’s empirically best!

Illinois Fascinating Facts You Need to Know

Do you want to know how safe it really is for drivers in Illinois? Well, the data our researchers found might surprise you.

Let’s investigate…

—Vehicle Theft in Illinois

In 2016, there were just over 18,209 motor vehicle thefts in the state of Illinois. Sixty-three percent of these thefts were in Chicago alone!

Here are the top-10 stolen cars in Illinois.

Make/ModelThefts
Dodge Caravan1,054
Chevrolet Impala579
Honda Civic566
Honda Accord481
Chevrolet Malibu442
Chevrolet Pickup (Full Size)418
Ford Pickup (Full Size)392
Toyota Camry383
Jeep Cherokee/Grand Cherokee374
Nissan Altima326

—Risky/Harmful Driving Behavior

The best way to stay safe while driving is to always keep your eyes on the road and stay aware of common risky driving issues in your state.

In 2017, there were 287 traffic incident-related fatalities in Cook County alone, comprising a 5.5 percent fatality rate per 100,000 of the population.

Let’s delve into this a bit further…

—2017 Traffic Fatalities

TypeNumber of Fatalities
Traffic Fatalities1,097
Passenger Vehicle Occupant Fatalities (All Seat Positions)720
Motorcyclist Fatalities162
Drivers Involved in Fatal Crashes1,570
Pedestrian Fatalities145
Bicyclist and other Cyclist Fatalities26

—Fatalities by Person Type

Person TypeNumber
Occupants (Enclosed Vehicles)756
Motorcyclists162
Nonoccupants179

—Fatalities by Crash Type

Crash TypeNumber
Single Vehicle579
Involving a Large Truck149
Involving Speeding462
Involving a Rollover235
Involving a Roadway Departure535
Involving an Intersection (or Intersection Related)340

—Five Year Trend by County

County2013 Fatalities2014 Fatalities2015 Fatalities2016 Fatalities2017 Fatalities
Cook County250235239268287
Will County4861514559
Lake County3431365047
Madison County2833332145
Dupage County3024363640
St. Clair County4531394035
Mchenry County1719182633
Kane County2921293931
Winnebago County3522293923
Kankakee County141492318
Total: Top Ten Counties538501530596618
Total: All Other Counties453423468482479

—Fatalities Involving Speeding by County

County Name Speeding Fatalities 2013Speeding Fatalities 2014Speeding Fatalities 2015Speeding Fatalities 2016Speeding Fatalities 2017Speeding Fatalities
Per 100K 2013
Speeding Fatalities
Per 100K 2014
Speeding Fatalities
Per 100K 2015
Speeding Fatalities
Per 100K 2016
Speeding Fatalities
Per 100K 2017
Cook County119103881111432.271.961.682.122.74
Will County15312322342.194.523.353.194.91
Lake County14122015201.991.72.842.132.84
Kane County1371216182.481.332.2633.37
Madison County912155183.374.55.641.886.78
Dupage County12121416171.291.291.51.721.83
St. Clair County2081413137.53.015.34.944.95
Kankakee County74210116.243.591.819.0910.04
Vermilion County5257116.212.516.318.9114.12
McHenry County48111391.32.63.574.222.91

—Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

County Name DUI Fatalities 2013DUI Fatalities 2014DUI Fatalities 2015DUI Fatalities 2016DUI Fatalities 2017DUI Fatalities
Per 100K 2013
DUI Fatalities
Per 100K 2014
DUI Fatalities
Per 100K 2015
DUI Fatalities
Per 100K 2016
DUI Fatalities
Per 100K 2017
Cook County978566811091.851.621.261.552.09
Will County17122015212.491.752.912.173.03
Lake County7101616180.991.422.272.272.56
St. Clair County19141117157.125.274.166.465.71
Madison County814104142.995.253.761.515.27
McHenry County6668121.951.951.952.63.88
Kankakee County433983.562.692.718.187.3
Dupage County768870.750.640.860.860.75
Kane County9781371.721.331.512.441.31
La Salle County478763.566.277.26.335.45

—Teen Drinking and Driving

Teens and Drunk DrivingLaws
Alcohol-Impaired Driving Fatalities Per 100K Population0.7
Higher/Lower Than National Average (1.2)lower (only 9 other states are lower)
DUI Arrest (Under 18 years old)7
DUI Arrests (Under 18 years old) Total Per Million People2.39

—EMS Response Time

Type of Crash Time of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Rural Fatal Crashes2.119.755357
Urban Fatal Crashes81N/AN/A

– Transportation

If you live in Illinois, chances are you live in a household with one to three cars, drive alone to work, and spend at least 10-34 minutes of your day commuting!

– Car Ownership

– Commute Time

With an average commute time of 27.5 minutes and with over 73 percent of the population driving alone, that commute doesn’t exactly rank Illinois as the greenest option when it comes to carbon emissions.

Some residents of Illinois (2.88 percent to be exact) even suffer through a “super commute” — spending in excess of 90 minutes in the car!

– Commuter Transportation

– Traffic Congestion

Though only seven percent of Illinois residents actually live in Chicago, an even higher percent commute to the city for work.  Add in all of the tourists, and you’ve got the 3rd most congested city in the United States.

In 2018, each driver in Chicago spent 138 hours sitting in congestion which is $1,920 per driver.

Now (thanks to us and good ol’ Abe), you are well equipped to exercise your personal economic and social freedom by considering your options in car insurance in the Prairie State!

It’s very important to compare rates unique to you. Enter your zip code below to get started!

References:
  1. https://www.nolo.com/legal-encyclopedia/illinois-car-insurance-requirements.html
  2. https://smartasset.com/taxes/illinois-tax-calculator
  3. https://www.quicken.com/taking-inventory-your-personal-finances-how-much-your-paycheck-should-you-budget-bills-s
  4. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  5. https://www.steinshulman.com/practice-areas/personal-injury/personal-injury-protection-pip-claims-lawyers/
  6. https://docs.google.com/document/d/1xGMQhlH5fl5sWvzgPLXZLe2bqA1sGc4lPtSqWKEk1ec/edit#mdatop
  7. https://www.tomorrowmakers.com/motor-insurance/understanding-benefits-7-major-car-insurance-riders-listicle
  8. https://www.iii.org/article/what-determines-price-my-auto-insurance-policy
  9. https://www.experian.com/blogs/ask-experian/state-of-credit/
  10. https://www.nolo.com/legal-encyclopedia/how-to-avoid-credit-card-debt.html
  11. https://www.nolo.com/legal-encyclopedia/car-insurance-factors-that-affect-your-premiums.html
  12. https://www.aipso.com/Plan-Sites/Illinois
  13. https://statelaws.findlaw.com/illinois-law/illinois-insurance-fraud-laws.html
  14. https://www.nolo.com/legal-encyclopedia/illinois-car-accident-laws.html
  15. http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=073500050HArt%2E+XIII+Pt%2E+2&ActID=2017&ChapterID=56&SeqStart=102300000&SeqEnd=105700000
  16. https://www.chicagotribune.com/news/opinion/editorials/ct-edit-teen-driving-death-decline-20171020-story.html
  17. https://www.cyberdriveillinois.com/departments/drivers/home.html
  18. https://www.ilsos.gov/facilityfinder/facility
  19. http://www.cyberdriveillinois.com/publications/pdf_publications/dsd_a132.pdf
  20. https://www.accidentlawillinois.com/library/comparative-negligence-in-illinois-chicago-personal-injury-lawyer/
  21. http://www.ilga.gov/legislation/101/SB/10100SB1523.htm
  22. https://isp.state.il.us/docs/1-163.pdf
  23. https://www.nolo.com/legal-encyclopedia/i-was-hit-by-an-uber-or-lyft-driver-what-now.html
  24. https://www.iihs.org/iihs/topics/laws/driving-automation
  25. https://www.responsibility.org/alcohol-statistics/state-map/state/illinois/issue/marijuana-drug-impaired-driving-laws/
  26. https://ucr.fbi.gov/crime-in-the-u.s/2016/crime-in-the-u.s.-2016/tables/table-6/table-6-state-cuts/illinois.xls
  27. https://cdan.nhtsa.gov/
  28. https://datausa.io/profile/geo/illinois/#category_transportation
  29. http://inrix.com/scorecard-city/?city=Chicago%2C%20IL&index=23
  30. https://www.autoinsurance.org/best-auto-insurance-new-hampshire/#mdabottom

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