Actual Yearly Savings
  • John
  • $564
  • Jul 24, 2017
  • Chet narayan
  • $200
  • Jul 6, 2017
  • Amber
  • $3600
  • Jun 27, 2017
  • Damaso
  • $1200
  • Jun 5, 2017
  • Samantha
  • $180
  • May 20, 2017
  • Omar
  • $2400
  • May 12, 2017
  • Jonathan
  • $1920
  • Apr 10, 2017
  • Ricky
  • $540
  • Mar 11, 2017
  • Yesebia
  • $1200
  • Mar 7, 2017
  • Walter
  • $840
  • Feb 23, 2017
  • Brittany stitch
  • $1800
  • Feb 18, 2017
  • Simon boadi
  • $1440
  • Feb 6, 2017
  • Joshua
  • $1560
  • Jan 18, 2017
  • Vanessa
  • $1404
  • Jan 6, 2017
  • Daniel
  • $600
  • Jan 1, 2017
  • Ariwah
  • $204
  • Dec 30, 2016
  • Aaron
  • $1200
  • Dec 30, 2016
  • Richard
  • $600
  • Dec 29, 2016
  • Jenaye
  • $1800
  • Dec 28, 2016
  • Gerals
  • $3600
  • Dec 27, 2016
  • Boris
  • $600
  • Dec 24, 2016
  • Ahmed
  • $100
  • Dec 18, 2016
  • Patrick
  • $600
  • Dec 17, 2016
  • Matthew gilmore
  • $300
  • Dec 12, 2016
  • Michael desmond
  • $3600
  • Dec 9, 2016
  • Ganesan
  • $100
  • Dec 9, 2016
  • Mamacita
  • $100
  • Dec 8, 2016
  • Nwaigwe
  • $1125
  • Nov 28, 2016
  • Atif ur rehman
  • $360
  • Nov 23, 2016
  • Zack
  • $1920
  • Nov 8, 2016
  • Brandon
  • $1800
  • Oct 2, 2016
  • Alex
  • $198
  • Aug 10, 2016
  • Kylah
  • $2400
  • May 2, 2016
  • Linda
  • $1200
  • Jul 4, 2015
  • Desi
  • $1200
  • Jun 22, 2015
  • Crystal
  • $300
  • Jun 22, 2015
  • Amer
  • $480
  • Jun 5, 2015
  • Jasmine
  • $2400
  • Jun 4, 2015
  • Ted
  • $120
  • May 15, 2015
  • Jeremiah
  • $1200
  • May 13, 2015
  • Cody
  • $1200
  • Apr 28, 2015
  • Arthur
  • $1500
  • Mar 19, 2015
  • Michael
  • $800
  • Mar 4, 2015
  • Babiisasha
  • $910
  • Mar 2, 2015
  • Alex
  • $516
  • Mar 2, 2015
  • Tushar
  • $2400
  • Feb 28, 2015
  • Tim
  • $300
  • Feb 28, 2015
  • Kristina
  • $1200
  • Feb 21, 2015
  • Santos
  • $1000
  • Jan 30, 2015
  • Janine
  • $1200
  • Jan 21, 2015

The Cheap Car Insurance Commitment

We stand behind our commitment to do our best to get you the lowest auto insurance quotes online.


Now it’s easier than ever to search and shop for cheap auto insurance quotes.

Furthermore, we know our customers want the right amount of coverage to help keep their family safe on the road. That’s why we emphasize on red tape removal and streamline processes to help find cheap full coverage car insurance rates and the cheapest insurance companies for our customers.

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"After being with my insurance company for just shy of 10 years, and after having shopped


at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

- Jared

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Cheapest Car Insurance in Illinois (IL)

Illinois is a midwestern state that holds attractions of all kinds. Highly industrialized in the north, the southern part of the state gives it its nickname of “The Prairie State.” Drivers can find miles upon miles of crop fields spread across this agriculturally adept state. Soybean production actually out-produces Illinois’ other crops, and the state ranks first in producing this mutli-use bean. Drivers can enjoy legendary Chicago music and dining in the north and relaxing, cross-country drives in the south. Making sure drivers have all the necessary information for staying protected on their travels, has gathered Illinois’ important car insurance facts in this easy-to-read list.


Best Cheap Car Insurance Quotes for Illinois

Cook County Car Insurance

After Los Angeles, Cook County is the most populous in the nation, home to more than 40 percent of Illinois residents. More than half of those live in the county seat of Chicago, known for its deep dish pizza, L train and brutal winters.

Chicago's downtown is known as the "loop" and the world's first skyscraper was built there in 1885. Chicago is also where the word "jazz" was coined in 1914, and the birthplace of Walt Disney and Twinkies. Once known as the Sears Tower, the Willis Tower remains a top tourist attraction, now with a glass-floored "skydeck" that instills fear in its 104th floor visitors. Other must-sees are the Navy Pier, Field Museum, Museum of Science and Industry and the Shedd Aquarium.

County Sedan Suv Coupe Truck Hybrid

DuPage County Car Insurance

Just west of Chicago is DuPage County, a suburbanized area that is home to some of the wealthiest families in the Midwest. Home to nearly 1 million, DuPage is the second most populous county in the state.

Its seat is Wheaton, a town of about 55,000 located only 30 miles west of Chicago. DuPage's largest city is Naperville, where a historic Riverwalk makes a scenic day outing. Other popular spots are a 12-acre Naper Settlement, public aquatic park known as Centennial Beach and the Naperville Historic District.

County Sedan Suv Coupe Truck Hybrid

Lake County Car Insurance

Along the shore of Lake Michigan, between Chicago and Milwaukee is Lake County, the northeast tip of the State of Illinois. Its affluent, lake front communities are part of what is called the North Shore area.

Waukegan, the county seat, is an arts hub that hosts the annual Chicago Latino Film Festival, ArkWauk and Fiestas Patrias Parade and Festival. Lake County's upscale Highland Park was used for location sets for a number of well-known 1980s films, including "Ferris Bueller's Day Off," "Weird Science," "Sixteen Candles" and "Home Alone."

County Sedan Suv Coupe Truck Hybrid

Will County Car Insurance

The northern Illinois county of Will is a growing assortment of Chicago suburbs and a major hub in the gas pipeline industry. ExxonMobil owns and operates a refinery in Joliet, the county seat known for its Victorian structures and limestone architecture.

About 40 miles west of Chicago, Joliet is home to an estimated 150,000, and the birthplace of the Dairy Queen, which opened its first store in a 2-story brick building downtown in 1940. Popular spots are the Joliet casinos, Route 66 Raceway and Rialto Square Theatre.

County Sedan Suv Coupe Truck Hybrid

Kane County Car Insurance

About an hour's drive west of Chicago, Kane County is a mix of old and new communities, including the growing city of Aurora, its county seat. A network of bike trails, plentiful retail and restaurant development and range of home pricing makes it a good choice for families coming to the Chicago area.

Elaborate sets and a live orchestra are part of the performances at Aurora's Paramount Theatre. Train rides, paddle boats and a zip line are part of the local Blackberry Farm, and the sprawling Chicago Premium Outlets is a regional shopping destination.

County Sedan Suv Coupe Truck Hybrid

McHenry County Car Insurance

Still largely rural and agricultural, the northern Illinois County of McHenry has been growing in recent years, with a population of more than 307,000. Located at the Wisconsin border, it has cold, snowy winters and has seen more than its fair share of blizzards, tornadoes and severe thunderstorms. The county seat is Woodstock, home of the Woodstock Opera House.

A haven for outdoors and art lovers, McHenry County is located on the Fox River Trail, and has ample waterways for boating, fishing and swimming. The nearby Village of Algonquin is known for its year-round public art program.

County Sedan Suv Coupe Truck Hybrid

Winnebago County Car Insurance

Located in Illinois, Winnebago County is a suburb of St. Louis and lies just northeast of the city. Its county seat and most populous city is Rockford, the largest city in the state outside the Chicago metro area, with about 150,000 residents.

On either side of the Rock River, Rockford is a heavily industrial city with a lively and architecturally unique downtown. The Coronado Theatre was named of the 150 Great Places in Illinois by the American Institute of Architects, and the 1929 Faust Hotel remains its tallest building. Winnebago County is also known for the Anderson Japanese Gardens, Rock Cut State Park and Burpee Museum of Natural History.

County Sedan Suv Coupe Truck Hybrid

Madison County Car Insurance

Once a heavily industrial region, Madison County is comprised of eastern St. Louis suburbs, part of an area known as "Metro East," and a rural, sparsely populated eastern section. The county seat is Edwardsville, but its largest community is Granite City, a town of about 29,375 just across the Mississippi from the heart of St. Louis.

Popular recreation activities are dirt racing at the Kenny Wallace Experience, fishing, hiking and picnicking at Horseshoe Lake State Park and the Watershed Nature Center. In nearby Alton are the remains of a Confederate Prison used during the Civil War. Madison County, Illinois has its own unique bridge: Once part of historic Route 66, the "Chain of Rocks" bridge is now a bikeway crossing the Mississippi River, connecting the St. Louis Riverfront Trail with the Madison County Transit Confluence bikeways network.

County Sedan Suv Coupe Truck Hybrid

St. Clair County Car Insurance

Adjacent to St. Louis across the state line is St. Clair County, part of the multi-county "Metro East" area and the oldest county in Illinois. The county seat is Belleville, home of the second oldest philharmonic orchestra in the nation, plus numerous jazz, blues and rock clubs.

Belleville's Art on the Square was ranked the No. 1 art fair in the nation. By the Art Fair Source Book, and its locally owned, historic Lincoln Theater offers bargain films, an "Abe Lincoln Refill Cup" and flavored popcorn. The Labor and Industry Museum, Scott Field Heritage Air Park and National Midget Auto Racing Hall of Fame are other popular stops for visitors.

County Sedan Suv Coupe Truck Hybrid
St. Clair$790.00$626.00$777.00$798.00$873.00

Champaign County Car Insurance

About 2 hours south of Chicago is Champaign County, site of the University of Illinois at Urbana-Champaign, or UIUC. Its county seat, Urbana, and Champaign are its only cities, though there are numerous townships and villages.

Urbana is the birthplace of film critic and historian Roger Ebert, and the historic Virginia Theater continues to host Ebertfest each April. Once known as the Roger Ebert Overlooked Film Festival, the event has continued after Ebert's death in 2013. Urbana's Saturday Market at the Square is described as one of the most diverse farmer's markets in the state.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
De Witt$759.00$542.00$723.00$691.00$758.00
Jo Daviess$765.00$549.00$736.00$696.00$777.00
Rock Island$739.00$507.00$729.00$649.00$706.00
St. Clair$790.00$626.00$777.00$798.00$873.00
Woodford$727.00$542.00$704.00$691.00$758.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums reports that Illinois’ insurance premiums have historically remained modestly below the national average. The state’s average auto insurance premiums as a percentage of income reached a record low in 2008 but has remained higher since then.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration reports that Illinois’ drunk driving fatalities have steadily risen since 2010 with the exception of a dip in 2013. The numbers now surpass the national average by a wide margin.

Teen Drinking and Driving

Illinois’ teen drinking and driving percentage edges out the national average percentage. The Center for Disease Control reports that Illinois accurately reflects the national average in this respect.

Vehicular Theft in Illinois

The FBI holds promising news for Illinois’ vehicle theft numbers. Since 2011, when Illinois was almost on par with the national average, the state’s numbers have fallen off well below the nation’s.

Cheap Car Insurance understands you work hard for your money so, why spend more on your auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversCountry Financial
Young driversState Farm
Drivers with an at-fault crashState Farm
Drivers with poor creditAmerican Family
Retired driversState Farm
Military familiesUSAA


Illinois has more backroads than it can count, and drivers can get lost quickly without adequate preparation. This list of information can be used to prepare drivers for everything essential in Illinois’ car insurance concerns – except keeping drivers from getting lost on its backroads.

Minimum Requirements for Car Insurance in Illinois

  • Illinois’ Department of Insurance informs every Illinois driver that liability coverage and underinsured motorist coverage are both mandatory on all vehicles registered in the state.
  • Liability Coverage minimums:
    • $20,000 per single bodily injury or death.
    • $40,000 per multiple bodily injury or deaths.
    • $15,000 for property damage.
    • $20,000 per person for uninsured motorists.
    • $40,000 per accident for uninsured motorists.
  • Illinois law allows for fines and suspensions for drivers who do not comply with the mandatory vehicle insurance laws.

New Driver Licensing Requirements

  • Applicants under the age of 21 must follow the graduated drivers license program which begins at age 15. An applicant in this program:
    • Must complete an approved driver education course
    • Must be accompanied by a licensed driver age 21 or older at all times, and may not drive between the hours of 10 pm and 6 am (11 pm and 6 am Fridays and Saturdays)
    • Must log 50 hours of drive time including 10 hours of nighttime driving
    • Must refrain from cell phone use, including hands-free, handheld and texting, at all times
  • Applicants who pass the first phase and are 16 to 17 years old may move into the initial licensing phase. Restrictions and requirements in this phase include:
    • For the first 12 months, passengers under the age of 20 are limited to one (unless the individual is an immediate family member).
    • After the first 12 months, one passenger may ride in the front, and the number of passengers in the vehicle must not exceed the number of seat belts.
    • All cell phone use is prohibited, except in case of emergency.
  • Applicants ages 18 to 20 who pass the initial phases may enter the full licensing phase. In this phase, a clean driving record must be maintained to obtain a regular Illinois drivers license.
  • Vision Exam. A visual acuity of at least 20/40 must be determined for each applicant to pass the vision exam. Applicants with a visual accutiy of 20/41 to 20/70 will be restricted to daylight driving only. Applicants must also have a field of vision of 140 degrees.
  • Written Test. The written exam requires applicants to identify traffic signs by shape, color and/or symbol, identify pavement markings, identify traffic signals and answer true/false and multiple choice questions based on the Illinois Rules of the Road.
  • Road Skills Test. Applicants taking the road skills test must provide a vehicle that is properly registered, insured, licensed and maintained. A licensed driver must drive the vehicle to and from the testing site.
  • The applicant’s skills will be tested in the following areas:
    • Safely starting the vehicle
    • Backing 50 feet
    • Three point turn
    • Grade parking
    • Starting uphill from a parked position
    • Starting downhill from a parked position
    • Control vehicle while obeying all traffic signs, signals and markings
  • Three attempts to pass each test within one year are permitted for each applicant.
  • Fees. The Illinois Secretary of State lists the following fees for Illinois drivers licenses:
    • Ages 18-20, $15
    • Ages 21-68, $30
    • Ages 69-80, $5
    • Ages 81-86, $2
    • Ages 87 and older, no fee


  • BAC limit: .08 Illinois enforces a Zero Tolerance Law to combat underage DUI. Valuable information about this program can be found at the Illinois Secretary of State’s website. According to the Illinois DUI Fact Book, the following is a list of the state’s penalties for DUI convictions:
  • First Offense – Class A misdemeanor:
    • Minimum 1 year driving suspension (2 years if the driver is under age 21)
    • Suspension of vehicle registration
    • $500 license re-instatement fee
    • Minimum $500 fine
    • Minimum 100 hours of community service
    • Additional penalties are required for convictions involving under age passengers and injury collisions
  • Second Offense – Class A misdemeanor:
    • Minimum 5 days of imprisonment or 240 hours of community service
    • Minimum of 5-year license suspension (if occurring within 5 years of prior conviction)
    • Suspension of vehicle registration
    • $500 license re-instatement fee
    • Additional penalties are required for convictions involving under age passengers and injury collisions
  • Third Offense (Aggravated DUI) – Class 2 felony:
    • Minimum 10-year license suspension
    • Suspension of vehicle registration
    • $500 license re-instatement fee
    • Additional penalties are required for convictions involving under age passengers and injury collisions
  • Additional offenses receive more severe penalties including increased fines, extended imprisonment and permanent loss of driving penalties.

Texting & Driving Laws

Illinois has banned texting and the use of handheld cell phone devices for all drivers, according to All cell phone use, whether hands-free or handheld, has been banned for bus drivers and novice drivers. All drivers, while driving in school or construction zones, are banned from all cell phone use.

Unique Laws

Illinois boasts some great laws on its books. For instance, residents under the age of 21 may legally drink alcohol only if enrolled in a culinary program. In Normal, making faces at a dog is prohibited, and, for those who drive, “repetitive driving” down Moline’s 23rd Avenue is illegal!


State Department of Insurance

Illinois Department of Insurance
320 W. Washington
Springfield, IL 62767
(866) 445-5364
(217) 782-4515
Get Directions

Department of Transportation

Illinois Department of Transportation
2300 S. Dirksen Parkway
Springfield, IL 62764
(217) 782-2937
Get Directions

Department of Motor Vehicles

Illinois Secretary of State
Driver Services
213 State Capitol
Springfield, IL 62756
(800) 252-8980 toll free in Illinois
(217) 785-3000 out of state
Get Directions

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