Who Has Cheap Auto Insurance for First-time Drivers in Illinois?

You’ve seen the commercials from companies like Liberty Mutual and Nationwide that make claims of the cheapest price, so drivers should just pick the company with the catchiest ad, right?

It’s just not that simple, as there are a whole slew of unknowns such as the miles you drive each year, if you have a clean driving record, if you are a homeowner or renter, and the deductible level you need, that all impact the cost of coverage. The content below covers the different scenarios that increase car insurance cost and will hopefully give you a jump start in finding the best auto insurance in Illinois.

Figuring out which companies quote the cheapest insurance rates for first-time drivers calls for more time than just getting one or two price quotes. Every car insurance company has their own formula to set premium rates, so let’s take a look at the most affordable insurance companies in Illinois.

We do need to point out that Illinois insurance rates are impacted by many factors which can substantially decrease or increase the policy premium. Improving your credit rating, having a teen driver, or having an at-fault accident can trigger changes in premium that can now make some companies more affordable than before.

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

As depicted above, if you currently have coverage with Rockford Mutual and switched to The Hartford, you might see savings of in the vicinity of $69. Insureds with Erie may save as much as $109 a year, and Titan customers might lower prices by up to $117 a year.

To find out how your current rates compare, click here to get quotes or quote prices from the following companies.

Bear in mind that those premium estimates are averages for all insureds and vehicles and and are not figured with a price surcharge for first-time drivers. So the insurer that fits you best may not even be featured in the list of companies shown earlier. That emphasizes why you need to get rate quotes using your own specific driver and vehicle information.

When shopping for cheaper auto insurance for new drivers, one of the many components used to determine the policy price is the neighborhood you call home in Illinois. Areas with more people or higher crime rates like Cicero, Berwyn, and Des Plaines likely pay more, whereas more rural areas have the luxury of cheap auto insurance for first-time drivers in Illinois.

The illustration below illustrates the most costly cities in Illinois for first-time drivers to buy car insurance in.

Premium amounts are comparative as specific location information can impact auto insurance rates noticeably.

The model of vehicle you are seeking coverage for is one of the largest considerations when comparing quotes for cheap auto insurance for first-time drivers in Illinois. Vehicles with high performance, poor passenger safety features, or high incidents of liability claims will cost more to insure than more modest models. The information below showcases auto insurance costs for the cheaper automobiles to buy coverage for.

Premium data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in your specific Illinois location which can increase or decrease coverage prices substantially.

Data rating is based on single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in your specific Illinois location which can revise premiums significantly.

Prices based on single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in your specific Illinois location which can impact auto insurance rates considerably.

Insuring your vehicle with a good quality insurance company can be rather challenging considering how many choices you have in Illinois. The ranking information below could help you pick which companies to look at when shopping insurance around for first-time drivers.

The ratings below are for large nationwide companies, so smaller companies are not included in the list. To check rates and find the cheapest rates for first-time drivers, just click here.