How Much are Auto Insurance Quotes for Good Drivers in Illinois?

We all like different vehicles, and the type of vehicle you are buying coverage for is probably the most important factor that determines if you can find cheap auto insurance for good drivers. Vehicles with more horsepower, poor safety ratings, or an increased likelihood of liability claims will cost more to insure than more modest models. The tables below features auto insurance prices for a handful of the most cost-effective automobiles to insure.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in vehicle garaging location which can alter insurance rates significantly.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can impact prices considerably.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in your specific Illinois location which can increase or decrease coverage rates greatly.

When shopping for auto insurance for safe drivers, one of the many factors used to establish rate quotes is where you live in Illinois. Cities with more crime and/or more people like Cicero, Skokie, and Oak Lawn tend to pay slightly more, whereas areas that tend to be more rural benefit from lower rates.

The next table lists the more expensive cities in Illinois for good drivers in which to buy car insurance.

Information shown are approximated as the garaging address in Illinois can modify premium rates greatly.

Careless Illinois drivers pay higher rates

The ideal way to maintain cheap insurance for good drivers in Illinois is to drive cautiously and not get tickets or have accidents. The example below illustrates how speeding tickets and fender-benders can raise insurance premiums for different age groups. The data assumes a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

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The data in the chart shows the average cost of auto insurance in Illinois per year with no accidents or violations is $1,593. Get written up for two speeding tickets and the average cost hikes up to $2,131, an increase of $538 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of car insurance for good drivers jumps again to an average of $4,215. That’s an increase of $2,622, or $219 per month, just for not keeping your driving record clean!

Choosing the top insurance provider can be challenging considering how many companies there are to choose from in Illinois. The ranking data below may help you select which companies you want to consider when comparing rate quotes.

These ratings only include large insurance companies, so companies that focus mainly on Illinois business are not factored into the list. To compare prices and find the cheapest rates for good drivers, click here.

Top 10 Large Auto Insurance Providers in Illinois Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top 10 Large Auto Insurance Providers in Illinois Ranked by Customer Service

1. Mercury Insurance
2. Nationwide
3. State Farm
4. Safeco Insurance
5. American Family
6. Titan Insurance
7. Travelers
8. Liberty Mutual
9. GEICO
10. Erie Insurance

Progressive, Allstate, Geico, or State Farm: Which is best?

If you’re looking for the cheapest auto insurance for safe drivers, probably the best companies to start with are Progressive, Allstate, Geico, and State Farm. The next table illustrates pricing and service ratings, as well as optional policy coverages that are available for customers.