Best Cheap Illinois Car Insurance

For drivers in Illinois, one of the big components that influence the cost of insurance is where your car is garaged in Illinois. Areas with more people or even just a higher incidence of claims like Cicero, Berwyn, and Oak Lawn tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.

The information below shows the priciest cities in Illinois in which to purchase auto insurance.

Rates are approximated as specific Illinois zip code can modify premiums substantially.

Finding out which companies offer the best car insurance rates in Illinois takes a bit more effort in order to find the most economical policy. Every auto insurer has a proprietary method for determining rates, so we’ll go over the most budget-friendly car insurance companies in Illinois.

Cheapest Insurance Rates in Illinois

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The Hartford has some of the cheapest car insurance rates in Illinois at around $769 a year. Rockford Mutual, Erie, Titan, and Cincinnati Insurance also are some of the cheapest Illinois car insurance companies.

In the above example, if you are insured with Rockford Mutual and switched to The Hartford, you might realize an annual savings of upwards of $78. Illinois drivers with Erie could save as much as $109 a year, and Titan insureds might reduce prices by as much as $109 a year.

Remember that these premium estimates are averages across all drivers and vehicles in Illinois and and are not calculated with a price decrease in Illinois. So the insurer that has the cheapest rates for you may not even be included in the company chart above. That’s why you need to quote rates from many companies using your own specific driver information and vehicle.

The vehicle model requiring insurance is a large factor when comparison shopping for the most affordable car insurance in Illinois. Vehicles with limited top-end speed, a great safety record, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models. The next table illustrates auto insurance costs for the most economical vehicles to buy coverage for.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Prices do not factor in garaging location in Illinois which can influence coverage prices significantly.

Looking at the rates, vehicles like the Jeep Wrangler, Honda CR-V, Hyundai Elantra, and Toyota Prius will definitely be the most budget-friendly vehicles to insure for drivers in Illinois.

Impact of careless driving on car insurance rates

The easiest way to maintain the best car insurance prices for drivers in Illinois is to drive attentively and avoid accidents and keep your driving record clean. The example below illustrates how speeding tickets and at-fault fender-benders can increase insurance costs for each different age category. The data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

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The data charted above shows the average cost of car insurance in Illinois per year with a clean driving record and no accidents is $1,412. Receive one speeding ticket and the average cost jumps to $1,644, an increase of $232 each year. Now add one accident along with the one speeding ticket and the annual cost of car insurance in Illinois jumps again to an average of $2,305. That’s an increase of $893, or $74 per month, just for a couple of infractions!