Best Car Insurance in Illinois of 2025

According to the most recent data from the Illinois Department of Insurance, Allstate is the third-highest writer of private passenger auto liability insurance in Illinois after Progressive, with a market share of about 8 percent.² Allstate has agents in over 150 cities in Illinois, including Chicago, Aurora, and Joliet.

Allstate also scored above-average in the Service sector of J.D. Power’s 2025 Insurance Digital Experience Study with 705 out of 1,000 points.³

Savings for Safe Drivers

Allstate Drivewise is a program that rewards safe driving with discounts. While Allstate no longer advertises maximum Drivewise savings, it previously stated customers received a 10 percent discount at sign-up and up to 40 percent off at renewal, depending on driving habits. Drivewise tracks behaviors like speeding, sudden braking, and late-night driving. You can check the app for driving insights, trip summaries, plus help if you get into an accident.

Allstate also has a safe driving bonus program that reduces your deductible by $100 the day you sign up and $100 each year you drive accident-free up to a $500 total discount.

>>RELATED: Learn more about whether it’s worth signing up for a telematics discount program.

Allstate Ride for Hire

Like State Farm and USAA, Allstate offers rideshare coverage in Illinois. If you drive for a rideshare company like Lyft or Uber, it’s important to be familiar with the limitations of your 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 wait for a ride request or drive to pick up a customer, neither your rideshare company nor your coverage will cover the costs. Like State Farm and USAA, Allstate offers rideshare insurance. You can add its Ride for Hire coverage 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. Ride for Hire coverage covers you while you are signed in to your rideshare app.

Excellent Digital Tools

Allstate’s mobile app offers Illinois drivers a convenient and feature-rich tool to manage their insurance needs on the go. The app provides easy access to digital ID cards, which can be added to Apple or Google Wallet for quick retrieval. Illinois drivers can use the app to pay bills, view policy details, and manage claims, all from their smartphones.

Allstate’s digital experience has been recognized for its quality. The company scored above average in J.D. Power’s Insurance Digital Experience Study for service (6 points above average) categories, indicating a user-friendly and efficient digital platform. Additionally, Allstate offers fully online quotes, making it easy for Illinois residents to explore their insurance options without leaving home.

Other useful features for Illinois drivers include:

• Crash detection, which can quickly connect users with help in case of an accident
• Search for direct (“in-network”) repair shops
• Find the best gas prices nearby
• On-demand roadside assistance

By combining these features with the potential for insurance savings through Drivewise, Allstate’s mobile app offers Illinois drivers a comprehensive tool for managing their auto insurance and enhancing their overall driving experience.

Direct Auto has over 30 years of experience protecting drivers with its range of coverage options. The company aims to provide low car insurance rates for high-risk drivers 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 high-risk drivers. Unlike the other providers on our list, Direct Auto caters specifically to high-risk drivers who may struggle to find coverage elsewhere.

SR-22s in Illinois

An SR-22 certifies you meet the minimum insurance requirements. In Illinois, an SR-22 may be required for individuals with safety responsibility suspensions, unsatisfied suspensions, license revocations, mandatory insurance supervisions, and people who receive three or more convictions for mandatory insurance violations.

Not all insurance agencies can provide an SR-22, but Direct Auto specializes in high-risk drivers and can submit the SR-22 on your behalf. You can add an SR-22 to your Direct Auto policy by speaking with an agent in person or over the phone.

Once you pay Direct Auto for the SR-22 filing, it will submit a request from its central office. From there, the Secretary of State’s office may take up to 30 days to process it. Remember to renew your SR-22 a minimum of 45 days ahead of expiration.⁴

Discounts

Unfortunately, high-risk drivers will pay more than average for auto insurance. Companies determine your risk by looking at your driving history, including DUIs, reckless driving citations, hit-and-runs, and multiple at-fault accidents. You may also be considered high risk if you have a low credit score. If you’re a high-risk driver, insurance companies may deny you outright. They may also deny you indirectly, for example, by quoting an exorbitant premium that is unrealistic for most people to pay.

Because your risk determination impacts your premium, you should work with an auto insurance company that provides discounts. There are many ways to save with Direct Auto:

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 monthly payments or set up AutoPay.
• 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 $840 annually with USAA, thanks to its expansive list of discounts. USAA offers SafePilot Miles, a pay-per-mile option that allows you to save for both low mileage and good driving habits.

Competitive Rates

Along with Travelers and Country Financial, USAA offers some of the cheapest rates in Illinois. Nationally, USAA customers saved an average of $840 per year by switching companies. As the largest insurer of military members, USAA policyholders can achieve low rates with discounts:

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 trustworthiness, reliability, and history of quickly responding to complaints. It holds the highest regional J.D. Power customer satisfaction score, well ahead of next-highest rated State Farm and Allstate.

Usage-Based Insurance

As of August 2025, Illinois residents are eligible for USAA’s usage-based insurance (UBI) through SafePilot Miles. If you have low annual mileage and drive safely, you could save 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

Since Allstate discontinued Drivewise in Illinois, USAA is the only company on our list to offer pay-per-mile insurance in the state. However, for those who don’t qualify for USAA, if you sign up for a telematics discount from another provider, you will likely be rewarded for low mileage (assuming you also drive safely).

Country Financial consistently had some of the cheapest auto insurance rates we found in our research. It also boasts high ratings for the North Central regions in J.D. Power’s Auto Insurance Study. If you live in Illinois, consider Country Financial — its affordable premiums and stellar ratings make it an excellent choice. The provider also offers a range of insurance products to meet the diverse needs of its customers.

Low Rates from Country Financial 

Country Financial offers some of the lowest average rates across multiple driver categories in Illinois. Its full coverage auto insurance costs an average of $1,398—about $300 less than the statewide average of $1,799. It also offers cheap rates for drivers after a DUI, at-fault accident, or speeding ticket in Illinois, along with high-risk driving profiles like those with poor credit and teens.

Great Bundling Options

Country Financial offers multiple kinds of insurance policies beyond auto. If you own a home or other property, you could save up to 30 percent by buying more than one policy from Country Financial. Here is a list of the insurance policies you can choose from:

Multiple Ways to Save for Safe Drivers

Country Financial offers extra savings for drivers who participate in one of its safe driving programs, DriverIQ and Simply Drive. DriverIQ is available to any Country Financial customer in Illinois, while Simply Drive is exclusively for young drivers. Many smaller or regional providers do not offer telematics discounts — let alone two programs — making this a good offering.

Robust Coverage Selection

Even though Country Financial is a regional provider, it offers an extensive list of add-ons for drivers in Illinois. In addition to standard coverages, the company has additional coverages to make sure your vehicle is protected. This includes:

• New car replacement: If your new car is totaled in an accident, Country Financial will pay for a brand-new vehicle of the same make and model.
• Rental and trip interruption: If you get into a covered accident, this add-on coverage gives you up to $800 for a rental car. If the incident is more than 100 miles from your home, Country Financial will also cover travel expenses, including transportation, lodging, and meals.
• Roadside assistance: If your car breaks down on the road, this coverage pays for up to $100 for towing, fuel delivery, repair parts, and labor costs.
• Windshield replacement: Country Financial will cover the costs of repair if your windshield, car windows, or headlights are damaged.

Travelers has served customers for over 170 years and is one of the largest providers in the country. It has the lowest premiums in Illinois for minimum coverage, as well as for drivers with a clean record. While its customer service scores aren’t the highest, Travelers may be worth considering if you’re looking for low rates and customizable coverage.

Cheap Premiums in Illinois

Along with Country Financial, Travelers has some of the cheapest average rates in Illinois. In our analysis, it came out cheapest in nearly every category, including for full and minimum coverage (for drivers with a good record and credit), as well as for drivers with poor credit, speeding tickets, or DUIs.

Non-Owner Insurance

If you’re a high-risk driver who doesn’t own a car, Travelers offers non-owner insurance. This covers you if you drive a car you don’t own, whether you’re borrowing a friend’s vehicle, renting a car, or using a service like Zipcar. Non-owner premiums tend to be even cheaper than liability insurance — and with Travelers’ low rates in Illinois, you’re likely to get an affordable quote.