Average rates are based on liability insurance of 100/300/100, collision and comprehensive coverage, uninsured motorist coverage, and any other insurance required by a state, for a 40-year-old female good driver.
Best Car Insurance In Illinois 2025
Travelers
Best Overall
Travelers
Our Expert Take
With rates 41% better than the Illinois average, Travelers is a top pick for the budget-conscious driver. Its very low complaint level and our 5-star rating suggest that it delivers on both price and customer service and is worth a look.
Pros & Cons
- Provides a good range of coverage choices.
- Premier Roadside Assistance provides towing up to 100 miles (15 miles is what the regular plan allows), trip interruption of up to $200 a day and personal property coverage of up to $500 for items damaged or stolen in connection with a collision, comprehensive or glass claim.
- Discount for hybrid or electric vehicles.
- Doesn’t offer SR-22 insurance.
- Received only a C grade from repair specialists for its claim repair processes.
- You can’t buy a policy online; you have to call the 1-800 number to finalize the quote and purchase the policy.
Average Rates for Travelers in Illinois
Hastings
Best for good drivers
Hastings
Our Expert Take
If you’re a good driver with a clean record, put Hastings at the top of your list when shopping for the best auto insurance company in Illinois. It has excellent rates for good drivers—average $1,210 a year. That’s 42% lower than the average annual rate statewide.
Pros & Cons
- Very low level of complaints made against it to state insurance departments.
- Offers OEM coverage.
- Received a B- from repair specialists for its claim processes.
- Available in only five states (Illinois, Indiana, Michigan, Ohio and Michigan).
- Doesn’t offer vanishing deductible.
- Website does not have much information.
Average Rates for Hastings in Illinois
Mercury
Best For State Minimum Rates
Mercury
Our Expert Take
If all you can afford is the minimum required amount of liability insurance to drive legally, consider Mercury. Its average annual rate of $421 is the best for Illinois drivers for state minimum liability limits—$32% lower than the state average.
Buying the minimum required amount of liability insurance provides you some financial protection if you are at fault for an accident, but you could be sued for damages that surpass the limits of your coverage. That’s why we suggest buying higher amounts of liability insurance than the state minimum if possible.
Pros & Cons
- Offers SR-22 insurance.
- Offers usage-based insurance program, MercuryGo with a 5% participation discount (up to 10% for teen drivers) and safe driving can earn you up to 40% at renewal. Unlike some other companies, Mercury won’t raise your rates if you show risky driving behaviors.
- Good digital experience with a good app and website. Their quote form has an accessibility menu with helpful features, such as an option to read each page to you and a dyslexia-friendly mode.
- You can get a quote and buy a policy online with Mercury.
- Received a mediocre grade of C+ from collision repair experts for its claims processes.
- Doesn’t offer a vanishing deductible.
- Has a high level of complaints about car insurance with state insurance departments.
Average Rates for Mercury in Illinois
Summary: Car Insurance Companies in Illinois
Here’s an overview of our top picks in Illinois.
How To Find the Best Car Insurance in Illinois
1. Compare Rates From Multiple Insurers
Car insurance companies consider where you live, your driving record and sometimes even your credit history when deciding what to charge you for a policy. Be sure to familiarize yourself with what each company typically charges in different scenarios so you can make the right decision about which company and coverage is best for you, your car and your wallet.
Keep in mind that the figures in the table below are averages, and you’ll need to contact various companies to get a truly personalized quote based on your unique situation or circumstances.
2. Consider What Car Insurance Coverage Extras You Need
Car insurance isn’t one size fits all. A bare-bones policy typically has only liability insurance. In many cases, it makes sense to add collision and comprehensive insurance, which will be required anyway if you have a car loan or lease.
Additional options like gap insurance or pay-per-mile insurance could be the best route for you, depending on your situation.
3. Buy Ample Car Insurance Limits
As a driver in Illinois, you’re required to hold a minimum level of car insurance:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability
Beyond liability insurance, these levels of coverage are also required in Illinois:
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
But buying only state minimum coverage can leave you financially vulnerable after an accident. If you cause an expensive crash resulting in injuries or property damage to others, the costs you’re responsible for can far surpass what your insurance covers. Be sure to talk to an insurance agent about the level of liability coverage you need to fully protect your assets.
Umbrella insurance provides an additional layer of protection to your auto and home insurance policies.
Consider buying an umbrella insurance policy to add another layer of liability insurance to your auto and homeowner policies.
4. Look at Complaints Against the Insurance Company
Price isn’t the only significant consideration when weighing whether an insurance company is a good pick. A company’s complaint level is also important. For some people, paying a lower price isn’t worth the headache they’ll have to deal with if the insurer has poor customer service or doesn’t handle claims well.
Here are the companies in Illinois with the lowest complaint levels, according to the National Association of Insurance Commissioners. Keep in mind that the industry average is 1.00—and the lower the number you see here, the better.
- Travelers (Complaint Index: 0.41)
- Hastings (Complaint Index: 0.00)
- Mercury (Complaint Index: 0.00)
Auto insurance complaints are usually related to claim payments and delays.
5. Consider State-Specific Car Insurance Factors
In Illinois, there are a few specific issues that impact what coverage you’ll need and the rates available to you. Here are some factors to consider when shopping for auto insurance:
- Uninsured drivers: An estimated 15% of drivers are uninsured in Illinois, which can be a massive financial headache if one of them crashes into you. Talk to your agent about the cost of uninsured motorist coverage to protect yourself.
- Weather risks: Illinois has flooding, severe storms and winter storms, which can affect your rates. Talk to an agent about what coverage types you should have in case your vehicle is affected by weather events.
- No-fault laws: Illinois is not a no-fault state, so you don’t need personal injury protection.
Methodology
To determine the best car insurance companies in Illinois, we evaluated insurers based on:
Auto insurance rates (75% of score): We analyzed rates for these driver profiles:
- Good drivers, those with good credit and no accidents, traffic violations or claims
- Drivers with a speeding ticket
- Drivers who caused an accident with injury or property damage
- Drivers with a DUI
- Drivers with poor credit, those with a low credit score
- Drivers caught driving without insurance
- Cost for adding a teen driver to a policy
- Cost for seniors ages 65 to 80
- Cost for state-minimum coverage only
- Cost with a high ($2,000) deductible
Unless otherwise noted above, rates are based on a 40-year-old female driver with good credit driving a Toyota RAV4 and having coverage of:
- $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100)
- Uninsured motorist coverage of 100/300
- Collision and comprehensive insurance with a $500 deductible
Source: Quadrant Information Services.
Complaints (25% of score): We used complaint data for auto insurance collected by the National Association of Insurance Commissioners.