10 Best Car Insurance in Illinois of 2026

This list is for Illinois drivers comparing insurers on local rates, claims service and coverage options. We compared documented features, discounts, claims access and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Illinois is an at-fault state with minimum liability limits of $25,000 per person, $50,000 per accident and $20,000 for property damage, and every policy must include uninsured motorist bodily injury coverage at $25,000 and $50,000. Most insurers do not publish a price, so we quote the Illinois figures that Progressive, The Hartford, Liberty Mutual, Lemonade and Acceptance publish and mark the rest as pending. Some are averages or estimates rather than offers, and we say which. GEICO and USAA pages did not load for us and are left out.

1. 01Top value

   

   COUNTRY Financial

   8.9/10

   Bloomington, Illinois insurer that sells car coverage in 19 states through local representatives.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   9.2

   Features (35%)

   8.8

   Ease of use (25%)

   8.4

   Best forIllinois drivers who want a hometown insurer, a local rep and stacked discounts for safe driving, bundling or working as a teacher or first responder.

   COUNTRY Financial is the Illinois home team: its own site says the company is located in Bloomington, and Illinois is the first state on its list of 19 where it writes car insurance. The pitch is local service plus discounts that stack. DriverIQ can cut up to 25% for safe driving, bundling home and auto saves up to 30%, and the Occupation Discount takes up to 15% off for teachers and first responders, a large group in a state with this many schools and departments. Newly licensed drivers who finish the Simply Drive course can earn a further discount, which helps parents adding a teen. Coverage choices include collision, comprehensive, liability, MedPay and roadside assistance, and you can start a quote online or call 844-349-8416. The company says it has been rated A or higher by AM Best since 1933 and that 8 out of 10 clients recommend it. The gap is price transparency: COUNTRY publishes no Illinois rate, so you must quote it to compare.

   • ✓Based in Bloomington, Illinois, with local reps across the state
   • ✓Three large discounts that can apply to the same household
   • ✓Rated A or higher by AM Best since 1933

   • ✕No published Illinois price, so you need a quote
   • ✕Sells car insurance in only 19 states, which matters if you move
   • ✕Discount percentages are maximums, not typical savings

   Headquarters:

   Bloomington, IL

   States served:

   19, including Illinois

   Safe-driving discount:

   Up to 25% with DriverIQ

   AM Best:

   A or higher since 1933, A+ or higher since 1976

   Bottom line: COUNTRY Financial is the first quote to get in Illinois, especially for teachers, first responders and households that can bundle a home. Its discount stack and local reps beat the national brands on value for most Illinois drivers.

   Visit countryfinancial.com ↗

2. 02

   

   AARP Auto Insurance from The Hartford

   8.7/10

   The only auto insurance endorsed by AARP, with an Illinois page that publishes its customers' average rate.

   Price

   $95per month, Illinois

   Pay as little as $95 a month in Illinois; The Hartford's Illinois customers pay an average of $1,144 a year, or about $95 a month

   “In Illinois, The Hartford's customers pay an average of $1,144 a year, or about $95 a month, for auto insurance.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   9.0

   Features (35%)

   8.5

   Ease of use (25%)

   8.3

   Best forIllinois AARP members who want a published price and discounts for defensive driving courses and on-time payment.

   AARP Auto Insurance from The Hartford is the clearest price for older Illinois drivers. Its Illinois page says The Hartford's customers in the state pay an average of $1,144 a year, or about $95 a month, and advertises rates as low as $95 a month in Illinois. That average includes whatever coverage those customers carry, which makes it a useful contrast with Progressive's liability-only figure. The discounts suit experienced drivers: 8% for starting a quote online, up to 10% for paying the bill on time, 5% for an approved defensive driving course such as the AARP Driver Safety Course, and the TrueLane program, which saves up to 15% for joining and up to 40% at renewal depending on driving habits. Bundling home and auto, renters or condo insurance saves $963 on average. The Hartford says it has protected AARP members for more than 40 years. The catch is eligibility: the program is designed for AARP members, so it is not a fit for most younger households.

   • ✓Published Illinois average that covers its customers' policies, not only liability
   • ✓Several discounts that suit experienced drivers
   • ✓Has protected AARP members for over 40 years

   • ✕Built for AARP members, so most younger drivers will not qualify
   • ✕The $95 figure is an average, so many drivers will pay more
   • ✕TrueLane renewal savings depend on your driving data

   Illinois average:

   $1,144 a year, about $95 a month

   Online quote discount:

   8%

   Defensive driving discount:

   5%

   Bundle savings:

   $963 on average

   Bottom line: The Hartford is the best value in Illinois for AARP members, with a published state average of about $95 a month. Drivers who are not members should look higher on this list.

   Visit thehartford.com ↗

3. 03

   

   Progressive

   8.7/10

   National insurer sold online, by phone and through independent agents, with an Illinois page that publishes its own average rate.

   Price

   Customper month, Illinois average liability-only policy

   Progressive's Illinois average was $99.60 a month in 2025 for a liability-only policy

   “For a liability-only policy from Progressive, car insurance cost an average of $99.60 per month in Illinois in 2025.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.4

   Features (35%)

   8.8

   Ease of use (25%)

   9.0

   Best forIllinois drivers who want a published price benchmark and a long list of discounts before they call an agent.

   Progressive is the easiest way to set a price yardstick in Illinois. Its Illinois page says a liability-only policy from Progressive averaged $99.60 a month in the state in 2025, and it explains the state minimums: $25,000 per person and $50,000 per accident for bodily injury, $20,000 for property damage, and uninsured and underinsured motorist coverage at $25,000 and $50,000. The page lists seven Illinois discounts, including homeowner, online quote, multi-policy, good student, active anti-theft device, five years accident-free and paid in full, and says customers earn an average of seven discounts. New customers who bundle home and auto save over 25% on average nationwide. You can buy online, call 1-855-347-3939 or use an independent agent, which helps if you also want quotes from other carriers in one visit. The published average is for liability only, so a financed or leased car with collision and comprehensive will cost more.

   • ✓One of only a few insurers with a published Illinois average
   • ✓Customers earn an average of seven discounts, per Progressive
   • ✓Explains the Illinois 25/50/20 minimum and required UM/UIM coverage

   • ✕The $99.60 average excludes collision and comprehensive
   • ✕Snapshot can raise your price if you brake hard or drive late
   • ✕Switch savings it cites are national, not Illinois figures

   Illinois average:

   $99.60 a month, 2025 liability-only

   Average discounts per customer:

   Seven

   Switch savings:

   Over $950 on average, national

   Ways to buy:

   Online, phone or independent agent

   Bottom line: Progressive is the best Illinois pick for drivers who want a price before they talk to anyone. Use its $99.60 liability-only average as the benchmark for every other quote.

   Visit progressive.com ↗

4. 04

   

   State Farm

   8.7/10

   The largest agent-based auto insurer, with safe-driving and young-driver discounts and a big local agent network.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   8.9

   Ease of use (25%)

   8.7

   Best forIllinois families who want a neighborhood agent, teen-driver discounts and an app for claims.

   State Farm is the agent pick for Illinois families. Its auto page says the company serves more than 96 million policies and accounts and has insured cars since 1922, and it claims drivers who switch save an average of $740. Two programs drive the savings. Drive Safe & Save can take up to 30% off for safe driving, and Steer Clear can save drivers under 25 as much as 20% if they have had no at-fault accidents or moving violations in the past three years, which suits households with a college student or new driver. Bundling auto with renters insurance could save up to $900, and home, condo and life bundles are also offered. Claims can be reported online, in the app or by phone, and State Farm cites USA Today's America's Best Customer Service 2026 award. State Farm does not publish an Illinois price, so ask a local agent for a quote at the same limits you use elsewhere.

   • ✓Two safe-driving programs, one aimed at drivers under 25
   • ✓Switchers save an average of $740, per State Farm
   • ✓Named USA Today's America's Best Customer Service 2026

   • ✕No published Illinois rate
   • ✕Best savings depend on joining a driving-tracking program
   • ✕Steer Clear requires no at-fault accidents or moving violations in three years

   Average switch savings:

   $740, national

   Safe-driving discount:

   Up to 30% with Drive Safe & Save

   Under-25 discount:

   Up to 20% with Steer Clear

   Insuring cars since:

   1922

   Bottom line: State Farm is the best choice for Illinois families with young drivers who want a local agent. It ranks just behind COUNTRY because it publishes no Illinois rate and its largest discount depends on tracking.

   Visit statefarm.com ↗

5. 05

   

   Erie Insurance

   8.5/10

   Regional insurer sold only through local agents, writing auto policies in Illinois since 1999 with many extras built in.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.5

   Features (35%)

   8.9

   Ease of use (25%)

   8.0

   Best forIllinois drivers who want stable rates, accident forgiveness and extras such as pet and personal item coverage.

   Erie Insurance has written auto policies in Illinois since 1999 and sells through local agents, more than 14,000 of them across its states. Its best feature for price-wary drivers is ERIE Rate Lock, which keeps your rate unchanged unless you add or remove a vehicle or driver or change where the car is parked. The policy also offers first accident forgiveness after three years as a customer and a diminishing deductible that drops by $100 for each claims-free year, up to $500. Extras include pet injury coverage of up to $500 per pet and $1,000 in total, personal item coverage up to $350, locksmith costs up to $75 under comprehensive, and glass repair with the deductible waived. For Illinois, ERIE lists discounts for safety equipment, multiple cars and policies, reduced usage or 100% farm use, and payment plans, and its multi-policy discount runs from 15% to 25% by state. You must work with an agent, and ERIE publishes no Illinois rate.

   • ✓Rate Lock protects against yearly price increases
   • ✓Many extras included at no added cost, per ERIE
   • ✓More than 14,000 agents with local offices

   • ✕Sold only through agents, with no full online purchase
   • ✕No published Illinois price
   • ✕Accident forgiveness takes three years to earn

   In Illinois since:

   1999

   Multi-policy discount:

   15% to 25%, around 20% typical

   Diminishing deductible:

   $100 per claims-free year, up to $500

   Agents:

   More than 14,000

   Bottom line: Erie is the best Illinois pick for drivers who value predictable premiums and generous built-in extras. It sits mid-list because you can only buy through an agent and there is no published price.

   Visit erieinsurance.com ↗

6. 06

   

   American Family Insurance

   8.3/10

   Madison, Wisconsin mutual insurer selling car coverage in 19 states, including Illinois, online or through agents.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.2

   Features (35%)

   8.6

   Ease of use (25%)

   8.1

   Best forIllinois drivers who want usage-based pricing, a large home and auto bundle discount or EV-specific coverage.

   American Family Insurance has a dedicated Illinois page and says it serves more than 12 million customers across 19 states. Its strongest lever is the bundle: up to 40% off when you combine auto and home, the largest bundle figure on this list. Drivers can also choose between two usage-based programs. DriveMyWay sets discounts based on how you drive, and the Illinois page names it directly, while MilesMyWay rewards people who drive fewer miles, which suits remote workers and retirees. Optional coverages include accident forgiveness, a diminishing deductible, gap coverage, rental reimbursement, rideshare coverage and original equipment parts. EV owners get a package with emergency roadside service that includes mobile charging and claims handled by EV specialists. You can quote online or through an agent. American Family does not publish an Illinois price, and it notes that accident forgiveness eligibility and availability vary.

   • ✓Largest bundle discount on this list, up to 40%
   • ✓Choice of safe-driving or low-mileage programs
   • ✓Buy online or through an agent

   • ✕No published Illinois rate
   • ✕Accident forgiveness eligibility varies
   • ✕Sells in only 19 states

   Customers:

   Over 12 million

   States served:

   19

   Bundle discount:

   Up to 40%

   Usage-based programs:

   DriveMyWay and MilesMyWay

   Bottom line: American Family is the best Illinois pick for homeowners who can use its up to 40% bundle discount. Without a home to bundle, its value falls behind the insurers above it.

   Visit amfam.com ↗

7. 07

   

   Allstate

   8.2/10

   National insurer sold online, by phone around the clock and through local agents, with the Drivewise safe-driving program.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   7.9

   Features (35%)

   8.4

   Ease of use (25%)

   8.4

   Best forIllinois drivers who want three ways to buy, student discounts and a safe-driving program.

   Allstate is a solid national option for Illinois households that like choice in how they buy. You can quote online and adjust coverage in real time, call a licensed representative at 866-340-2084 at any hour, or work with a local agent. Allstate says customers who switched saved $900 on their premium, and it lists switch savings of $939 for Progressive customers, $928 for State Farm customers and $940 for GEICO customers, all national averages. Discounts cover bundling, students with good grades or who attend school more than 100 miles from where the car is kept, safety features such as anti-theft devices and anti-lock brakes, paying in full, low mileage and safe driving. Drivewise sets a rate based on how safely you drive. Coverage options include liability, collision, comprehensive and uninsured motorist, with special policies for electric cars, teen drivers, rideshare and classic cars. Allstate publishes no Illinois price, so its value depends on your quote.

   • ✓Buy online, by phone at any hour or through a local agent
   • ✓Student-away-at-school discount helps families with college students
   • ✓Switchers saved $900 on their premium, per Allstate

   • ✕No published Illinois rate
   • ✕Switch savings are national figures
   • ✕Fewer listed extras than Erie or American Family

   Switch savings:

   $900, national

   Phone sales:

   24/7

   Safe-driving program:

   Drivewise

   Student discount:

   Good grades or school 100+ miles away

   Bottom line: Allstate suits Illinois families with a college student away from home and drivers who want to buy by phone at any hour. It ranks lower on value because it shows no Illinois price.

   Visit allstate.com ↗

8. 08

   

   Liberty Mutual

   8.1/10

   National insurer with an Illinois page that publishes a state average cost for full coverage and the RightTrack program.

   Price

   Customper month, Illinois average full coverage

   Liberty Mutual's Illinois page puts the state average for full coverage at about $163 a month, or $1,956 a year, as of November 2026; its own prices are quote-only

   “The average cost of “full” coverage car insurance in Illinois is about $163 per month, or $1,956 per year.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   7.9

   Features (35%)

   8.2

   Ease of use (25%)

   8.2

   Best forIllinois drivers who want to buy online and earn a safe-driving discount of up to 30%.

   Liberty Mutual's Illinois page is useful even before you quote. It says the average cost of full coverage in Illinois is about $163 a month, or $1,956 a year, as of November 2026, which gives a better yardstick for financed cars than liability-only figures. It also lays out the 25/50/20 minimum, notes that Illinois policies must include uninsured motorist bodily injury coverage, and explains that the state uses electronic insurance verification to find uninsured vehicles. For savings, Liberty Mutual lists an online purchase discount, bundle discounts, multi-car savings and RightTrack, which can save up to 30% for good driving behavior. It says drivers who switch could save over $700, a national figure. Coverage options include comprehensive, collision, personal injury protection and 24-hour roadside assistance, and the company says its app is rated 4.8 out of 5 stars. The published average is for the state, so you still need a quote to see Liberty Mutual's own price.

   • ✓Gives a full-coverage Illinois benchmark, not only liability
   • ✓Online purchase discount rewards buying without an agent
   • ✓Mobile app rated 4.8 out of 5, per Liberty Mutual

   • ✕The $163 figure is a state average, not a Liberty Mutual price
   • ✕Switch savings of over $700 are national
   • ✕Price comparisons on its page are national, not Illinois-specific

   Illinois full-coverage average:

   About $163 a month, November 2026

   Safe-driving discount:

   Up to 30% with RightTrack

   Switch savings:

   Over $700, national

   In business:

   Over 100 years

   Bottom line: Liberty Mutual is a good online option for Illinois drivers who expect to earn a RightTrack discount. Its state average helps you judge full-coverage quotes from every insurer here.

   Visit libertymutual.com ↗

9. 09

   

   Lemonade Car

   7.9/10

   App-based car insurer that sells in Illinois and prices partly on how safely you drive.

   Price

   Customper month, Illinois estimated average

   Lemonade estimates its Illinois car insurance averages roughly $2,100 to $2,160 a year, about $175 to $180 a month; Chicago estimates run $1,980 to $2,040 a year

   “The average estimated cost of Lemonade car insurance in Illinois ranges from roughly $2,100 to $2,160 per year*, depending on factors like your age, driving history, car type, and location.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   7.4

   Features (35%)

   7.8

   Ease of use (25%)

   9.0

   Best forIllinois drivers who want to manage a policy and claims in an app and drive a hybrid or EV.

   Lemonade Car sells in Illinois and is the most app-centered option here. Its Illinois page estimates that Lemonade car insurance in the state averages roughly $2,100 to $2,160 a year, with city estimates of $1,980 to $2,040 in Chicago, $1,740 to $1,800 in Champaign and $1,680 to $1,740 in Naperville and Evanston. Nationally, Lemonade advertises prices as low as $30 a month depending on your driving profile, but its own Illinois averages are well above the other published figures on this list. Pricing uses app data on speed, braking and how smoothly you take turns, and hybrids and EVs get a lower rate automatically. Optional coverages in Illinois include collision, comprehensive, MedPay, uninsured motorist bodily injury and property damage, and temporary transportation for up to 30 days while your car is repaired or appraised. Bundling with renters, homeowners or pet insurance adds a discount. Lemonade has no local agents.

   • ✓Quote, manage and claim from the app
   • ✓Publishes Illinois city-level price estimates
   • ✓Automatic discount for hybrids and EVs

   • ✕Its own Illinois estimates are the highest figures on this list
   • ✕Pricing depends on app location data
   • ✕No local agents

   Illinois estimated average:

   $2,100 to $2,160 a year

   Chicago estimate:

   $1,980 to $2,040 a year

   Temporary transportation:

   Up to 30 days

   Hybrid and EV discount:

   Applied automatically

   Bottom line: Lemonade fits Illinois EV and hybrid owners who want everything in an app. Its own Illinois price estimates are high, so quote it against Progressive and COUNTRY before you switch.

   Visit lemonade.com ↗

10. 10

    

    Acceptance Insurance

    7.7/10

    Budget and non-standard auto insurer with local offices that covers high-risk drivers and SR-22 filings in Illinois.

    Price

    Customper month, Illinois estimated minimum liability

    Acceptance's Illinois page estimates minimum liability at about $46 a month and full coverage at about $150 a month, for a 30-year-old male

    “Minimum required liability insurance in Illinois costs about $46 per month, making it one of the cheapest liability options in the Midwest.” Quoted from the pricing page, November 10, 2026.

    Free plan

    No

    Value (40%)

    8.2

    Features (35%)

    7.0

    Ease of use (25%)

    7.8

    Best forIllinois drivers with tickets, lapses, bad credit or an SR-22 requirement who need minimum coverage at a low price.

    Acceptance Insurance is the budget and high-risk option for Illinois. Its Illinois page estimates minimum required liability coverage at about $46 a month and full coverage at about $150 a month, using a 30-year-old male at the lowest legal coverage as the example. City estimates range from $43 a month for liability in Springfield to $53 in Chicago, and from $142 to $198 for full coverage. Acceptance writes policies for drivers with bad credit, a high-risk record, a non-standard history or no car of their own, and it handles SR-22 filings after violations such as a DUI or license suspension. Listed Illinois discounts include good driver, multi-policy, low mileage, automatic payment, loyalty, good student, military and first responder, and anti-theft devices. You can quote by phone at 877-405-7102 or visit a local office. The figures are estimates rather than offers, and drivers with clean records will usually find more coverage for the money higher on this list.

    • ✓Lowest published Illinois figure on this list
    • ✓Takes drivers that standard insurers often turn away
    • ✓Walk-in offices for people who want help in person

    • ✕Estimates are for a 30-year-old male at the legal minimum
    • ✕Fewer coverage extras than standard insurers
    • ✕Not the best fit for drivers with clean records

    Illinois minimum liability estimate:

    About $46 a month

    Illinois full coverage estimate:

    About $150 a month

    Chicago estimate:

    $198 full, $53 liability a month

    SR-22:

    Offered

    Bottom line: Acceptance is the Illinois pick for drivers who need an SR-22 or have been turned down elsewhere. Clean-record drivers should start with COUNTRY, State Farm or Progressive instead.

    Visit acceptance.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.