Best Car Insurance Companies in Illinois

The best car insurance companies in Illinois include Mercury, Accurate, and United Auto Insurance companies. In Illinois, car insurance rates average at $84.75/mo or $1,017.01/year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 21, 2021

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Here's what you need to know...

  • There are many good car insurance companies offering services to Illinois residents
  • Illinois requires liability coverage for all drivers
  • Comparing car insurance quotes will help you find the best deal on the coverage you need

Illinois drivers are required to carry the minimum amounts of liability car insurance. If you cause a car accident, you must be able to prove that you are financially responsible for the costs involved.

You can get FREE car insurance quotes today with our quote comparison tool! Enter your ZIP code above now!

Besides having a valid driver’s license, you must carry at least $25,000 for bodily injury per person in a single accident, $50,000 for total bodily injury per accident, and $15,000 for damage to property of another person

The state of Illinois does not require collision coverage or personal injury protection converge. Illinois is a tort state, so there are no restrictions on car insurance laws for lawsuits.

If you get involved in a car accident, someone must be found to be at fault for causing the accident. Liability insurance is required for:

  • personal vehicles
  • recreational vehicles
  • trucks, buses
  • vans
  • motorcycles

The average car insurance premium in Illinois is $1,017.01. If you live in Chicago, you could pay up to $1,290.21 on coverage.

Insurance companies determine your rates based on a number of factors such as your age, location, driving history, and type of car.

Before you go shopping for Illinois car insurance, check out the following insurance providers:

Mercury Insurance

Mercury Insurance has been trusted by millions of customers for over 45 years. This leading insurance provider offers excellent car insurance options and low rates.

Established in 1962, the company provides different types of coverage ranging from homeowners insurance to car insurance and condo insurance.

Drivers who insure their cars with Mercury can save hundreds and even thousands of dollars a year.

The company provides liability, collision, and personal injury protection insurance. Drivers can also opt for roadside assistance and rental car coverage.

Like other companies, Mercury Insurance offers discounts for installing anti-theft devices, joining certain professional associations, and maintaining a good driving record.

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Accurate Auto Insurance

This car insurance provider operates in Chicago, Indiana, and Illinois. The company works with the most competitively priced auto insurance carriers to find affordable policies for all drivers, regardless of age.

Accurate Auto Insurance has low rates for young drivers, as well as for those with a less-than-perfect driving record.

You can visit the company’s website to compare car insurance quotes from different carriers. Accurate Auto Insurance features a unique software that allows customers to compare a large number of quotes in less than four minutes.

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United Auto Insurance

United Auto Insurance offers competitively priced car insurance policies in Illinois. Customers can buy coverage for their:

  • personal vehicles
  • tow trucks
  • motorcycles
  • commercial cars
  • taxis
  • limos

Drivers who insure two or more vehicles on the same policy receive major discounts. The company also offers safe driver discounts and renewal discounts.

Great Northern Insurance Agency

Great Northern Insurance Agency caters to all drivers, including those who need “high-risk” car insurance. The agency represents trusted insurance companies such as Progressive and Travelers. Customers have access to flexible policies at affordable rates.

Great Northern Insurance Agency offers a number of services, including premier roadside assistance and travel protection. Drivers can compare auto insurance quotes online and pay their rates through the company’s website.

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ABI Insurance Agency

If you are searching for cheap car insurance in Illinois, get an online quote from ABI Insurance Agency. This independent insurance company operates in Wisconsin and Illinois. Customers can purchase life, health, auto, homeowners, and business insurance at competitive rates.

ABI Insurance Agency offers quality insurance products from:

  • Blue Cross Blue Shield of Illinois
  • The Hartford Insurance Company
  • Lloyd’s of London
  • Liberty Mutual
  • Universal Casualty Company
  • Aetna Group
  • other reputable car insurance companies

This auto insurance carrier offers standard policies that cover legal liability claims against the driver, the cost of purchasing a new car, and the cost of repairing the vehicle following an accident.

Customers benefit from flexible payment options, 24-hour claims hotline, free windshield repair, and guarantee on repairs.

Allstar Insurance Agency

With over seven years of experience, Allstar Insurance Agency sells auto coverage in the state of Illinois. This local insurance company offers three different payment options. Customers can pay in full, monthly, or bi-monthly.

They can choose from several types of car insurance, including bodily injury and property liability coverage, comprehensive coverage, towing and rental coverage, and collision coverage. The company has low-cost policies for young drivers.

Illinois Insurance Center

Illinois Insurance Center is one of the fastest growing companies in the United States. Founded in 1973, the company specializes in homeowners, motorcycle, and auto insurance. Policyholders enjoy affordable rates, massive car insurance discounts, and excellent customer service.

This car insurance provider sells different types of coverage, including collision, comprehensive, and medical expenses coverage.

Make sure you check out the company’s website to read informative articles about car insurance, get free auto insurance quotes, and pay your monthly premiums online.

The car insurance market in Illinois is very competitive. Rates vary drastically from one insurance provider to the next. Before you sign up for a particular plan, compare at least three quotes from different insurers.

Make a list of auto insurance companies, check their financial stability, and find car insurance reviews.

When making your car insurance comparison, be sure to ask about the discounts provided. Many companies are willing to offer lower car insurance rates to those who complete defensive driving courses or install approved alarms to their vehicles.

To get the best rates out there, keep a good credit history and take the highest deductible you can afford. Apply for low mileage discounts, good driver discounts, and bundling discounts.

Start your FREE car insurance quote search today!


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Average Monthly Car Insurance Rates by State