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See Illinois car insurance costs for new and used cars by deductibles, car values and credit scores. Also find what coverage you need and where you can cut costs without leaving yourself exposed.

Illinois drivers pay about 10-22% less for car insurance than the national average. Full coverage runs roughly $1,200-$1,650 per year statewide, while minimum liability averages $450-$620 annually.

Once ready, see the best local and statewide car insurers.

Updated: September 4, 2026

Curious about car financing? See real Illinois car loan rates shared by our community. Find also Illinois Best car loan lenders in your area (community recommended as well).

Illinois’ 25/50/20 Rule Plus Mandatory Uninsured Coverage

Illinois requires liability insurance plus uninsured motorist bodily injury coverage to register a vehicle. Here’s what each covers:

Bodily Injury Liability (25/50):

• $25,000 for injuries to one person in an accident you cause.
• $50,000 total for injuries to all people in an accident you cause.

Property Damage Liability:

• $20,000 for damage you cause to other vehicles, fences, buildings, or property.

Uninsured Motorist Bodily Injury (25/50):

• $25,000 per person and $50,000 per accident for injuries caused by an uninsured driver.
• This coverage is mandatory in Illinois — you cannot waive it.
• It also covers hit-and-run accidents where the at-fault driver cannot be identified.

Illinois is an at-fault state. If you cause an accident, you’re responsible for the other party’s injuries and property damage. If your coverage limits aren’t enough, you pay the difference out of pocket — or face a lawsuit.

MFP Tip: Illinois uses an Electronic Insurance Verification System that checks twice yearly whether your vehicle has active insurance. If flagged without coverage, you’ll receive a suspension letter within 30 days. Driving uninsured means a minimum $500 fine for the first offense and $1,000 for repeat violations, plus license plate suspension and reinstatement fees.

Illinois New Car Insurance Costs

Your new car monthly premium depends on three main factors: the value of your car, how much coverage you carry, and your credit score. Your zip code also plays a major role — Chicago drivers pay roughly 2-3x what downstate drivers pay for identical coverage.

Car Value	Coverage	750+ (Excellent)	700–749 (Good)	650–699 (Fair)	600–649 (Below Fair)
Over $60K	Full	$215	$250	$272	$439
	Standard	$180	$210	$229	$369
	Liability only	$105	$122	$133	$214
$40K-$60K	Full	$182	$211	$230	$372
	Standard	$151	$176	$192	$309
	Liability only	$90	$104	$114	$183
$25K-$40K	Full	$159	$184	$201	$325
	Standard	$132	$153	$167	$269
	Liability only	$79	$92	$101	$163
Below $25K	Full	$139	$162	$176	$285
	Standard	$114	$133	$145	$234
	Liability only	$70	$81	$89	$143

Illinois Used Car Insurance Costs

Your used car monthly premium depends on three main factors: the value of your car, how much coverage you carry, and your credit score. Your zip code also plays a major role — Chicago drivers pay roughly 2-3x what downstate drivers pay for identical coverage.

Car Value	Coverage	750+ (Excellent)	700–749 (Good)	650–699 (Fair)	600–649 (Below Fair)
Over $40K	Full	$162	$189	$206	$332
	Standard	$135	$157	$172	$277
	Liability only	$80	$93	$102	$164
$15K-$40K	Full	$135	$157	$172	$277
	Standard	$112	$131	$142	$230
	Liability only	$68	$79	$86	$139
Below $15K	Full	$114	$132	$144	$233
	Standard	$93	$108	$118	$190
	Liability only	$58	$67	$73	$118

What Each Coverage Level Means

Full Coverage: Includes collision, comprehensive, and liability coverage. Typical limits are 100/300/100. This pays to repair or replace your car after accidents, theft, vandalism, hail, tornadoes, or floods. Required if you finance or lease.

Standard Coverage: Same protections as full coverage but with lower limits and higher deductibles. A good middle ground when your car has lost some value but still needs protection.

Liability Only: Meets Illinois’ legal minimum (25/50/20 plus UM bodily injury). Covers damage you cause to others but nothing for your own vehicle. Best for older cars where the premium would exceed the car’s value.

Your Credit Score Matters More Than Your Driving Record in Illinois

Illinois allows insurers to use credit history when setting rates. The impact is enormous — and controversial enough that the Illinois Secretary of State has launched a public campaign calling it “unfair and discriminatory.”

The Consumer Federation of America found that Illinois drivers with perfect driving records but poor credit (300-579) pay an average of $915 per year for state-minimum coverage. That’s 116% more than drivers with excellent credit (800-850) who pay just $424 for the same coverage.

Here’s the troubling comparison: a driver with excellent credit and a DUI conviction pays $862 less annually than a driver with poor credit and a clean driving record.

How Credit Affects Your Rate:

• Excellent (800+): Best available rates.
• Good (670-799): Slightly above base rates, typically 10-25% more.
• Fair (580-669): Moderate surcharge, often 40-60% above excellent credit rates.
• Poor (below 580): Can more than double your premium compared to excellent credit.

MFP Tip: If you have poor credit, work on improving your score before shopping for a new policy. Even a small improvement can drop you into a better pricing category. Pay down credit card balances and correct any errors on your credit report.

New Car vs. Used Car: How to Choose the Right Coverage

Buying a New Car

If you’re financing or leasing, your lender will require full coverage including collision and comprehensive. You don’t have a choice on this — it protects their investment.

Beyond lender requirements, gap insurance is worth considering. New cars depreciate 20-30% in the first year. If your car is totaled, your insurance pays the actual cash value (what it’s worth today), not what you owe on the loan. Gap insurance covers the difference.

Illinois ranks 4th nationally for vehicle theft by total volume. Hyundai and Kia models are targeted at very high rates due to a viral theft method. If you drive one of these vehicles, comprehensive coverage is not optional.

MFP Tip: Gap insurance costs $20-$50 per year when added to your auto policy — much cheaper than buying it through a dealer, who may charge $500-$700 as a one-time fee.

Buying a Used Car

With a used car you own outright, you have more flexibility. The key question: does it make sense to pay for collision and comprehensive coverage?

The 10% Rule: Add up your annual collision and comprehensive premiums. If that total exceeds 10% of your car’s current market value, you might save money by dropping those coverages and setting aside money for repairs or a replacement.

Example: Your 2017 Honda Accord is worth $15,000. If collision and comprehensive cost $1,200/year (8%), keeping those coverages makes sense. If your 2011 Toyota Camry is worth $7,000 and collision plus comprehensive runs $900/year (13%), you might be better off banking the premium savings.

Illinois Exception: Even on an older car, think twice before dropping comprehensive. Illinois ranks 6th nationally for tornado risk, had more hail damage claims than any state except Texas in 2024, and is 4th in the nation for vehicle theft. Comprehensive covers all three.

$20,000 for Property Damage Won’t Fix Most Modern Cars

Illinois’ minimum limits were set years ago and haven’t kept pace with today’s costs. Here’s where they fall short:

When You Damage Someone’s Property

The $20,000 property damage minimum sounds reasonable until you look at car prices. The average new car costs over $48,000. A moderate collision with a new pickup truck or SUV can easily exceed $20,000 in repairs.

If you rear-end a Tesla Model Y and cause $35,000 in damage, your insurance pays $20,000. You owe the remaining $15,000 out of pocket.

If You Injure Someone

The $25,000 per-person bodily injury limit disappears fast when someone needs surgery or hospitalization. A broken leg requiring surgery can easily hit $50,000-$100,000. Spinal injuries or traumatic brain injuries run into hundreds of thousands.

If your $25,000 limit doesn’t cover the injured person’s damages, they can sue you personally for the difference. Illinois allows wage garnishment and asset seizure to satisfy judgments.

When an Uninsured Driver Hits You

About 13-16% of Illinois drivers don’t have insurance — roughly one in seven. That’s at or above the national average of 14%.

Your mandatory UM bodily injury coverage protects you from medical costs if an uninsured driver hits you. But it doesn’t cover property damage unless you’ve added optional uninsured motorist property damage (UMPD) coverage.

Many insured Illinois drivers carry only the minimums. If someone with 25/50 coverage hits you and causes $100,000 in medical bills, you’re stuck with the $75,000 difference unless you have underinsured motorist coverage.

MFP Tip: Raising your liability limits from 25/50/20 to 100/300/100 typically costs only $100-$200 more per year. That small increase protects your savings, your home, and your future wages from a lawsuit.

What Factors Illinois Rates

Illinois is an At-Fault State with Modified Comparative Negligence

Illinois follows the 51% bar rule. If you’re less than 51% responsible for an accident, you can recover damages — but your compensation is reduced by your percentage of fault. If you’re 51% or more at fault, you recover nothing from the other driver.

Example: You’re found 30% at fault for an accident with $100,000 in damages. You can recover $70,000. But if you’re found 51% at fault, you receive nothing, regardless of your injuries.

Severe Weather: Tornadoes and Hail

Illinois ranks 6th nationally for tornado risk, averaging 54 tornadoes per year. The July 2024 derecho spawned 32 tornadoes — the most prolific tornado event in the National Weather Service Chicago forecast area’s recorded history.

Hail is an even bigger cost driver. State Farm reported paying more hail damage claims in Illinois than any state except Texas in 2024. Tornado and hail damage to your vehicle is covered under comprehensive insurance, not collision.

Vehicle Theft: 4th Highest in the Nation

Illinois ranks 4th nationally for total vehicle thefts by volume, with over 34,000 vehicles stolen in 2024. The Chicago-Naperville-Elgin metro area ranked 3rd nationally for theft volume.

Hyundai and Kia models are targeted at very high rates due to a viral theft method. The Hyundai Elantra and Sonata top the most-stolen list in Illinois. If you drive one of these vehicles, expect higher comprehensive premiums.

No Rate Regulation: Illinois is Unique

Illinois is one of only two states without a review process for insurance rate increases. Insurers can raise premiums whenever they want, by whatever amount they want, with no regulatory approval required.

The result: Illinois auto insurance rates increased by more than $1.25 billion in 2023 alone. Rates rose 28% statewide by 2024, exceeding the 26% national average increase. Chicago rates spiked 34%.

The Chicago vs. Downstate Divide

Location matters more in Illinois than in most states. A ProPublica and Consumer Reports analysis found that 33 of 34 Illinois insurers charged rates at least 10% higher for safe drivers in predominantly minority zip codes compared to other areas.

One military service member reported being quoted $1,100/month for insurance at his South Side Chicago address — but only $300/month for identical coverage in Naperville, a suburb. Downstate cities like Peoria, Bloomington, and Springfield see much lower rates due to less traffic and fewer claims.

How to Lower Your Illinois Car Insurance Costs

Shop aggressively and compare at least five quotes. Illinois’ lack of rate regulation means prices vary wildly between insurers. GEICO averages $69/month in some analyses, while Erie Insurance averages $104/month for similar coverage — a $420 annual difference.

Bundle your policies. Combining auto and renters or homeowners insurance with the same company often saves 10-25%.

Improve your credit score. Since credit impacts Illinois rates more than your driving record, even small credit improvements can drop you into a better pricing category.

Try a safe-driver tracking program. Many insurers offer discounts of 10-30% if you let them monitor your driving habits through an app. Good scores for smooth braking, steady speeds, and limited nighttime driving translate to savings.

Raise your deductible. Increasing your deductible from $500 to $1,000 can cut your collision and comprehensive premiums by 15-25%. Just make sure you have that amount available in case of a claim.

Ask about all available discounts. Common discounts include: good student, low mileage, anti-theft devices, paying in full, paperless billing, defensive driving courses, multi-vehicle, and claims-free for multiple years.

MFP Tip: State Farm announced auto insurance rate decreases averaging 5.7% for Illinois customers starting July 2025, with some seeing reductions up to 15%. If you’re a State Farm customer, check whether your renewal reflects the decrease. If not, call and ask.

Buying a Car in Illinois? Here’s What to Do

Get Insurance Before You Drive

Illinois requires you to have insurance before you drive. If you’re buying from a dealer, you’ll need proof of insurance before taking possession. If you already have a policy, call your insurer to add the new vehicle before driving off.

If you don’t have a policy, arrange coverage first — most insurers can bind a policy over the phone or online in minutes.

Register Within 20 Days

You have 20 days after purchase to title and register a vehicle in Illinois. Bring:

• Proof of Illinois insurance.
• The signed title or dealer documentation.
• A valid ID.
• Payment for registration fees and taxes.

New residents have 30 days to register their vehicle and obtain an Illinois driver’s license.

Review Coverage Annually

Your car loses value every year. The full coverage that made sense for a new $35,000 car may not make sense when that car is worth $18,000 five years later.

Check your coverage at each renewal and adjust based on your car’s current value. With Illinois’ unregulated rate environment, shopping around every year or two is worth the effort.

Illinois Best Car Insurance

Find Illinois best local insurers by metro areas based on community recommendations

Chicago, Aurora, Joliet, Naperville, Rockford, Springfield, Elgin, Peoria, Waukegan, Champaign

Chicago Best Car Insurers

MFP’s Community Car Insurance Survey most recommended auto insurance companies in Chicago’s area are Zach Betley, agent, State Farm, Nick Kosiek, agent, State Farm and Illinois Vehicle Auto Insurance.

Zach Betley, agent, State Farm (95% Recommend)

• Leads Chicago with a 95% Recommend score, a 4.9 Easy Application rating, and the highest Support & Guidance rating among the top 3 at 4.9.
• Drivers value the office’s South Side presence, clear quote help, and practical support comparing auto coverage options.

Nick Kosiek, agent, State Farm (93% Recommend)

• Ranks second with a 93% Recommend score, a 4.8 Easy Application rating, and a 4.8 Support & Guidance rating.
• Customers appreciate the local office’s quick communication, policy guidance, and help understanding coverage before buying.

Illinois Vehicle Auto Insurance (91% Recommend)

• Ranks third with a 91% Recommend score, the strongest Terms & Premium Satisfaction rating among the top 3 at 4.8, and a 4.7 Support & Guidance rating.
• Drivers choose the agency for same-day help, bilingual support, and practical options for meeting Illinois auto insurance requirements.

Insurer	Type	Easy Application	Terms & Premium Satisfaction	Support & Guidance	Recommend %
Zach Betley, agent, State Farm	Insurer	4.9	4.8	4.9	95%
Nick Kosiek, agent, State Farm	Insurer	4.8	4.7	4.8	93%
Illinois Vehicle Auto Insurance	Agency	4.8	4.8	4.7	91%
Ted Lauder, agent, State Farm	Insurer	4.7	4.6	4.7	90%
Saul Lopez, agent, State Farm	Insurer	4.7	4.6	4.7	89%
Freeway Insurance	Broker	4.7	4.4	4.5	87%
Acceptance Insurance	Agency	4.6	4.3	4.4	86%
GEICO	Insurer	4.8	4.4	4.2	84%
Progressive	Insurer	4.8	4.4	4.2	83%
State Farm	Insurer	4.5	4.3	4.5	82%
Allstate	Insurer	4.5	4.2	4.4	81%
Farmers Insurance	Insurer	4.5	4.2	4.4	80%
Travelers	Insurer	4.4	4.2	4.1	79%
Nationwide	Insurer	4.4	4.2	4.1	78%
Liberty Mutual	Insurer	4.5	4.1	4.1	77%

Aurora Best Car Insurers

MFP’s Community Car Insurance Survey most recommended auto insurance companies in Aurora’s area are Illinois Vehicle Auto Insurance, State Farm and GEICO.

Illinois Vehicle Auto Insurance (92% Recommend)

• Leads Aurora with a 92% Recommend score, a 4.8 Easy Application rating, and the highest Terms & Premium Satisfaction rating among the top 3 at 4.8.
• Drivers value the agency’s local office access, bilingual help, and same-day policy support for Illinois coverage needs.

State Farm (86% Recommend)

• Ranks second with an 86% Recommend score, the highest Support & Guidance rating among the top 3 at 4.5, and a 4.5 Easy Application rating.
• Customers appreciate the agent model for policy questions, coverage reviews, and local help adjusting protection as needs change.

GEICO (84% Recommend)

• Ranks third with an 84% Recommend score and the strongest Easy Application rating among the direct insurers at 4.8.
• Drivers choose GEICO for fast quotes, simple online tools, and an easy way to compare premiums before buying.

Insurer	Type	Easy Application	Terms & Premium Satisfaction	Support & Guidance	Recommend %
Illinois Vehicle Auto Insurance	Agency	4.8	4.8	4.7	92%
State Farm	Insurer	4.5	4.3	4.5	86%
GEICO	Insurer	4.8	4.4	4.2	84%
Progressive	Insurer	4.8	4.4	4.2	83%
Allstate	Insurer	4.5	4.2	4.4	82%
Farmers Insurance	Insurer	4.5	4.2	4.4	81%
Acceptance Insurance	Agency	4.5	4.1	4.3	80%
Travelers	Insurer	4.4	4.2	4.1	79%
Nationwide	Insurer	4.4	4.1	4.1	78%
Liberty Mutual	Insurer	4.5	4.1	4.1	77%

Joliet Best Car Insurers

MFP’s Community Car Insurance Survey most recommended auto insurance companies in Joliet’s area are Illinois Vehicle Auto Insurance, Freeway Insurance and GEICO.

Illinois Vehicle Auto Insurance (91% Recommend)

• Leads Joliet with a 91% Recommend score, the highest Terms & Premium Satisfaction rating among the top 3 at 4.7, and a 4.7 Easy Application rating.
• Drivers value the agency’s local help, same-day documentation support, and clear explanations of Illinois policy requirements.

Freeway Insurance (86% Recommend)

• Ranks second with an 86% Recommend score, a 4.7 Easy Application rating, and a 4.4 Support & Guidance rating.
• Customers choose Freeway for quick quote help, nearby office access, and a straightforward process for getting insured.

GEICO (84% Recommend)

• Ranks third with an 84% Recommend score and the highest Easy Application rating among the top 3 at 4.8.
• Drivers choose GEICO for fast online quotes, simple tools, and an easy way to compare prices before buying.

Insurer	Type	Easy Application	Terms & Premium Satisfaction	Support & Guidance	Recommend %
Illinois Vehicle Auto Insurance	Agency	4.7	4.7	4.6	91%
Freeway Insurance	Broker	4.7	4.3	4.4	86%
GEICO	Insurer	4.8	4.4	4.2	84%
Progressive	Insurer	4.8	4.4	4.2	83%
State Farm	Insurer	4.5	4.3	4.5	82%
Allstate	Insurer	4.5	4.2	4.4	81%
Farmers Insurance	Insurer	4.5	4.2	4.4	80%
Travelers	Insurer	4.4	4.2	4.1	79%
Nationwide	Insurer	4.4	4.1	4.1	78%
Liberty Mutual	Insurer	4.5	4.1	4.1	77%

Naperville Best Car Insurers

MFP’s Community Car Insurance Survey most recommended auto insurance companies in Naperville’s area are State Farm, GEICO and Progressive.

State Farm (87% Recommend)

• Leads Naperville with an 87% Recommend score, the highest Support & Guidance rating among the top 3 at 4.6, and a 4.5 Easy Application rating.
• Drivers value the agent model for local coverage help, policy updates, and practical explanations before choosing a plan.

GEICO (84% Recommend)

• Ranks second with an 84% Recommend score and the highest Easy Application rating among the top 3 at 4.8.
• Customers choose GEICO for fast quotes, simple digital tools, and a quick way to compare premiums.

Progressive (83% Recommend)

• Ranks third with an 83% Recommend score, matching GEICO with a 4.8 Easy Application rating and posting a 4.4 Terms rating.
• Drivers value Progressive’s quote tools, flexible coverage options, and easy process for comparing policy choices.

Insurer	Type	Easy Application	Terms & Premium Satisfaction	Support & Guidance	Recommend %
State Farm	Insurer	4.5	4.3	4.6	87%
GEICO	Insurer	4.8	4.4	4.2	84%
Progressive	Insurer	4.8	4.4	4.2	83%
Allstate	Insurer	4.5	4.2	4.4	82%
Farmers Insurance	Insurer	4.5	4.2	4.4	81%
Travelers	Insurer	4.4	4.2	4.1	79%
Nationwide	Insurer	4.4	4.1	4.1	78%
Liberty Mutual	Insurer	4.5	4.1	4.1	77%

Rockford Best Car Insurers

MFP’s Community Car Insurance Survey most recommended auto insurance companies in Rockford’s area are Illinois Vehicle Auto Insurance, State Farm and GEICO.

Illinois Vehicle Auto Insurance (90% Recommend)

• Leads Rockford with a 90% Recommend score, the strongest Terms & Premium Satisfaction rating among the top 3 at 4.6, and a 4.6 Support & Guidance rating.
• Drivers value the local office access, same-day support, and help finding affordable coverage that meets Illinois requirements.

State Farm (86% Recommend)

• Ranks second with an 86% Recommend score, the highest Support & Guidance rating among the direct insurers at 4.5, and a 4.5 Easy Application rating.
• Customers appreciate the agent-based support for policy questions, coverage reviews, and changes after life events.

GEICO (84% Recommend)

• Ranks third with an 84% Recommend score and the strongest Easy Application rating among the top 3 at 4.8.
• Drivers choose GEICO for fast quotes, simple online tools, and an easy way to compare premiums.

Insurer	Type	Easy Application	Terms & Premium Satisfaction	Support & Guidance	Recommend %
Illinois Vehicle Auto Insurance	Agency	4.6	4.6	4.6	90%
State Farm	Insurer	4.5	4.3	4.5	86%
GEICO	Insurer	4.8	4.4	4.2	84%
Progressive	Insurer	4.8	4.4	4.2	83%
Allstate	Insurer	4.5	4.2	4.4	81%
Farmers Insurance	Insurer	4.5	4.2	4.4	80%
Travelers	Insurer	4.4	4.2	4.1	79%
Liberty Mutual	Insurer	4.5	4.1	4.1	77%

Springfield Best Car Insurers

MFP’s Community Car Insurance Survey most recommended auto insurance companies in Springfield’s area are State Farm, GEICO and Progressive.

State Farm (87% Recommend)

• Leads Springfield with an 87% Recommend score, the highest Support & Guidance rating among the top 3 at 4.6, and a 4.5 Easy Application rating.
• Drivers value the local agent network for coverage questions, quote help, and practical guidance on Illinois auto insurance needs.

GEICO (84% Recommend)

• Ranks second with an 84% Recommend score and the strongest Easy Application rating among the top 3 at 4.8.
• Customers choose GEICO for fast online quotes, simple tools, and an easy way to compare premiums before buying.

Progressive (83% Recommend)

• Ranks third with an 83% Recommend score, matching GEICO with a 4.8 Easy Application rating and posting a 4.4 Terms rating.
• Drivers value Progressive’s quote tools, flexible coverage options, and straightforward comparison process.

Insurer	Type	Easy Application	Terms & Premium Satisfaction	Support & Guidance	Recommend %
State Farm	Insurer	4.5	4.3	4.6	87%
GEICO	Insurer	4.8	4.4	4.2	84%
Progressive	Insurer	4.8	4.4	4.2	83%
Allstate	Insurer	4.5	4.2	4.4	82%
Farmers Insurance	Insurer	4.5	4.2	4.4	81%
Travelers	Insurer	4.4	4.2	4.1	79%
Nationwide	Insurer	4.4	4.1	4.1	78%
Liberty Mutual	Insurer	4.5	4.1	4.1	77%

Elgin Best Car Insurers

MFP’s Community Car Insurance Survey most recommended auto insurance companies in Elgin’s area are Illinois Vehicle Auto Insurance, State Farm and GEICO.

Illinois Vehicle Auto Insurance (91% Recommend)

• Leads Elgin with a 91% Recommend score, the highest Terms & Premium Satisfaction rating among the top 3 at 4.7, and a 4.7 Easy Application rating.
• Drivers value the local office support, bilingual service, and practical help getting Illinois auto coverage in place.

State Farm (86% Recommend)

• Ranks second with an 86% Recommend score, the highest Support & Guidance rating among the direct insurers at 4.5, and a 4.5 Easy Application rating.
• Customers appreciate local agent help for coverage questions, policy changes, and reviewing protection before renewal.

GEICO (84% Recommend)

• Ranks third with an 84% Recommend score and the strongest Easy Application rating among the top 3 at 4.8.
• Drivers choose GEICO for fast quotes, simple digital tools, and an easy way to compare premiums.

Insurer	Type	Easy Application	Terms & Premium Satisfaction	Support & Guidance	Recommend %
Illinois Vehicle Auto Insurance	Agency	4.7	4.7	4.6	91%
State Farm	Insurer	4.5	4.3	4.5	86%
GEICO	Insurer	4.8	4.4	4.2	84%
Progressive	Insurer	4.8	4.4	4.2	83%
Allstate	Insurer	4.5	4.2	4.4	81%
Farmers Insurance	Insurer	4.5	4.2	4.4	80%
Travelers	Insurer	4.4	4.2	4.1	79%
Liberty Mutual	Insurer	4.5	4.1	4.1	77%

Peoria Best Car Insurers

MFP’s Community Car Insurance Survey most recommended auto insurance companies in Peoria’s area are State Farm, GEICO and Progressive.

State Farm (87% Recommend)

• Leads Peoria with an 87% Recommend score, the highest Support & Guidance rating among the top 3 at 4.6, and a 4.5 Easy Application rating.
• Drivers value the local agent network for quote help, policy updates, and clear explanations of coverage choices.

GEICO (84% Recommend)

• Ranks second with an 84% Recommend score and the highest Easy Application rating among the top 3 at 4.8.
• Customers choose GEICO for fast quotes, simple online tools, and an easy way to compare premiums before buying.

Progressive (83% Recommend)

• Ranks third with an 83% Recommend score, matching GEICO with a 4.8 Easy Application rating and posting a 4.4 Terms rating.
• Drivers value Progressive’s comparison tools, flexible policy options, and straightforward quote process.

Insurer	Type	Easy Application	Terms & Premium Satisfaction	Support & Guidance	Recommend %
State Farm	Insurer	4.5	4.3	4.6	87%
GEICO	Insurer	4.8	4.4	4.2	84%
Progressive	Insurer	4.8	4.4	4.2	83%
Allstate	Insurer	4.5	4.2	4.4	82%
Farmers Insurance	Insurer	4.5	4.2	4.4	81%
Travelers	Insurer	4.4	4.2	4.1	79%
Nationwide	Insurer	4.4	4.1	4.1	78%
Liberty Mutual	Insurer	4.5	4.1	4.1	77%

Waukegan Best Car Insurers

MFP’s Community Car Insurance Survey most recommended auto insurance companies in Waukegan’s area are Illinois Vehicle Auto Insurance, GEICO and Progressive.

Illinois Vehicle Auto Insurance (91% Recommend)

• Leads Waukegan with a 91% Recommend score, the highest Terms & Premium Satisfaction rating at 4.7, and the highest Support & Guidance rating at 4.6.
• Drivers value the local office access, bilingual help, and same-day support for Illinois auto insurance requirements.

GEICO (84% Recommend)

• Ranks second with an 84% Recommend score and the highest Easy Application rating among the top 3 at 4.8.
• Customers choose GEICO for fast online quotes, simple tools, and an easy way to compare premiums.

Progressive (83% Recommend)

• Ranks third with an 83% Recommend score, matching GEICO with a 4.8 Easy Application rating and posting a 4.4 Terms rating.
• Drivers value Progressive’s quote tools, flexible coverage options, and straightforward comparison process.

Insurer	Type	Easy Application	Terms & Premium Satisfaction	Support & Guidance	Recommend %
Illinois Vehicle Auto Insurance	Agency	4.7	4.7	4.6	91%
GEICO	Insurer	4.8	4.4	4.2	84%
Progressive	Insurer	4.8	4.4	4.2	83%
State Farm	Insurer	4.5	4.3	4.5	82%
Allstate	Insurer	4.5	4.2	4.4	81%
Farmers Insurance	Insurer	4.5	4.2	4.4	80%

Champaign Best Car Insurers

MFP’s Community Car Insurance Survey most recommended auto insurance companies in Champaign’s area are State Farm, GEICO and Progressive.

State Farm (87% Recommend)

• Leads Champaign with an 87% Recommend score, the highest Support & Guidance rating among the top 3 at 4.6, and a 4.5 Easy Application rating.
• Drivers value the local agent model for quote help, coverage explanations, and policy updates when needs change.

GEICO (84% Recommend)

• Ranks second with an 84% Recommend score and the highest Easy Application rating among the top 3 at 4.8.
• Customers choose GEICO for fast online quotes, simple tools, and an easy way to compare premiums before buying.

Progressive (83% Recommend)

• Ranks third with an 83% Recommend score, matching GEICO with a 4.8 Easy Application rating and posting a 4.4 Terms rating.
• Drivers value Progressive’s flexible quote tools, coverage options, and straightforward shopping process.

Insurer	Type	Easy Application	Terms & Premium Satisfaction	Support & Guidance	Recommend %
State Farm	Insurer	4.5	4.3	4.6	87%
GEICO	Insurer	4.8	4.4	4.2	84%
Progressive	Insurer	4.8	4.4	4.2	83%
Allstate	Insurer	4.5	4.2	4.4	82%
Farmers Insurance	Insurer	4.5	4.2	4.4	81%
Travelers	Insurer	4.4	4.2	4.1	79%

End Note

Illinois gives drivers less regulatory protection than almost any other state. Without prior approval requirements, insurers can and do raise rates by double digits year after year. Your best defense is staying informed and shopping aggressively.

The state’s minimums leave you exposed. $20,000 in property damage coverage won’t fix most modern vehicles, and the bodily injury limits can be exhausted by a single serious injury.

Base your coverage decisions on your car’s actual value, your ability to absorb a loss, and the real costs of accidents — not just state minimums. Use the rate tables above to estimate what you’ll pay, then shop around. A few hours comparing quotes can save you hundreds per year without sacrificing the protection you need.