The Best Car Insurance in Illinois

According to a report from the Illinois Department of Insurance, Allstate was among the top 10 writers of private passenger auto liability insurance in the state, with a market share of 7 percent as of 2021. That market share is even higher in Chicago: 13 percent.¹ Learn about what Illinois drivers value most about Allstate below.

Third-Party Ratings

Trusted third-party organizations rank Allstate among the top auto insurance providers consistently. Specifically, customers praise the company for its financial strength, as demonstrated by its A+ rating by AM Best – a superior rating compared to competing companies.² Allstate’s customer satisfaction ratings are also high. For example, the company’s Better Business Bureau (BBB) rating of an A+ (the highest rating possible) indicates its commitment to customer service and high response rate to complaints.³

Mobile App

Allstate’s mobile app allows customers to manage their policies anytime, anywhere, through their mobile devices. Below are more details about Allstate Mobile:

Allstate Ride for Hire

If you drive for a rideshare company like Lyft or Uber, it’s important to be familiar with the limitations of your personal auto policy. Personal insurance policies do not cover commercial driving, and your rideshare company’s insurance coverage covers you only when you have passengers in the car.

This means that if you get into an accident while you’re waiting for a ride request or driving to pick up a customer, neither your rideshare company’s coverage nor your personal coverage will cover the costs. Luckily, Allstate offers rideshare insurance through its Ride for Hire coverage, which you can add to your policy as optional coverage. Allstate’s Ride for Hire provides deductible gap coverage to pay for damage to your vehicle up to $2,500.

Direct Auto has over 30 years of experience protecting drivers with its wide range of coverage options. The company aims to provide low car insurance rates and strong coverage to all drivers, regardless of their driving history. With its specialization in nonstandard auto insurance, Direct Auto is great for those who need SR-22 certifications or who are considered to be high-risk drivers.

Discounts

There are many ways to save with Direct Auto:

Local and Online Customer Service Options

Direct Auto supports both in-person and online customer service options, so you’ll have no problem getting in touch with a representative for anything you need. If you live in Chicago, you can visit one of the four different Direct Auto locations in the city. Otherwise, all Illinois residents can reach customer service in the following ways:

• Toll-free phone number: 1-877-463-4732
• Hours of operation:
  • Monday through Friday: 8 a.m – 8 p.m CT
  • Saturday: 10 a.m – 4 p.m CT
  • Sunday: Closed
• Online contact form: https://www.directauto.com/emailus

Flexible Payment Options

With Direct Auto, you can customize your payment plan to fit how and when you wish to pay for your policy. Here are the different ways you can choose to pay for your insurance:

• Online: Enter your credit, debit, or checking account information, and you can pay your bills without logging in.
• By phone: Call 1-877-GO-DIRECT to pay your bills over the phone.
• MyAccount insurance portal: Set up your MyAccount portal to make payments each month or set up AutoPay.
• In person: Pay your bills with cash at the nearest Direct Auto location.
• Mobile app: Make payments anytime with a credit card or electronic check through the Direct Auto mobile app.

USAA provides some of the most affordable insurance policies for its customer base, which includes active-duty military members, veterans, and their families. Customers have saved an average of $725 annually with USAA, thanks to its expansive list of discounts.

Competitive Rates

USAA offers some of the cheapest rates we’ve seen. For instance, the average annual cost for a USAA policy issued in Illinois was $1,668 as of 2020, and nationally, USAA customers saved an average of $725 per year by switching companies.⁴ As the largest insurer of military members, USAA policyholders can achieve such low rates through the following ways:

Strong Customer Satisfaction Ratings

USAA has maintained above-average customer satisfaction ratings from third-party organizations such as J.D. Power and the Better Business Bureau (BBB). USAA’s superior ratings indicate its level of trustworthiness, reliability, and history of responding to complaints in a timely manner.

Usage-Based Insurance

As of March 2023, Illinois residents are eligible for USAA’s usage-based insurance (UBI) through its company Noblr. If you have low annual mileage and drive safely, you could save a significant amount on your premium with Noblr’s telematic-based mobile app. Rated 3.8 out of 5 stars on both Google Play and the App Store, the Noblr app measures the following behaviors to calculate your potential savings:

• Number of miles driven
• Acceleration
• Braking
• Time of day
• Distracted driving

Not only does State Farm offer some of the most affordable insurance rates in the industry, but it also provides a comprehensive range of insurance products to meet the diverse needs of its customers. Specifically, State Farm is renowned for its bundling options, which enable customers to combine their auto insurance with other insurance products, such as home and life insurance, to access savings.

Insurance Products

As one of the largest auto insurance providers in the industry, State Farm offers multiple kinds of insurance policies beyond auto. If you own a home or other property, you could save up to 24 percent by buying more than one policy from State Farm. Here is a list of the insurance policies you can choose from:

Steer Clear Safe Driving Program

State Farm offers extra savings for drivers that participate in its safe driving program, Steer Clear.

Vintage and Classic Car Coverage

State Farm distinguishes itself by providing coverage for vintage and classic cars, which not all auto insurers offer. If you drive a classic car (10 to 24 years old ) or an antique car (25 years old or older), your State Farm agent can help you determine an agreed value for your vehicle and then use this value, along with your preferred deductible amount, to calculate your monthly premium.

Classic car coverage is different from regular car insurance in a few ways. Firstly, repairing classic cars requires skilled labor along with specific and often hard-to-find or special-order parts. Additionally, it is more difficult to determine the value of classic cars compared to regular cars, as classic cars’ values appreciate over time rather than depreciate.