Select Page

Illinois Auto Insurance [Rates + Cheap Coverage Guide]

FREE Auto Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top auto insurance companies and save!

Illinois Statistics SummaryDetails
Miles of Roadway145,840
Registered Vehicles10,249,044
Population12,741,080
Most Popular VehicleHonda CR-V
Uninsured Motorist Rate13.70%
Total Driving-Related Deaths in 20171,097
Speeding Fatalities in 2017462
DUI Fatalities in 2017349
Average Car Insurance CostLiability $446.72
Collision $309.71
Comprehensive $128.13
Cheapest ProviderSafeCo

The Land of Lincoln is a place of contradictions.  Cubs or White Sox (or, perhaps Cardinals)?  Easy country pace, or life in the fast lane?  Chicago or, well, the rest of the state?

Frank Sinatra sang about it, Broadway made a musical named for it, and prolific director John Hughes set most of his movies there.  Chicago has a lot of history.  It’s the place that made Al Capone a household name, and it’s also home to the second oldest baseball stadium in the country, Wrigley Field.

Chicago is the third largest city in America and the largest in the state by well over 2 million people, so it’s no surprise its residents set themselves apart from the rest of Illinois.

The pace of life in the Windy City is different from the surrounding quiet of the suburbs, which differs again from the miles of farmland that make up much of the state.  From the birthplace of Lincoln to the vast acres of cornfields, Illinois is a multi-faceted state.

So what do Illinoisans have in common?  They like to drive, and they all need to have car insurance.

Shopping for car insurance is time-consuming and the amount of information out there can be overwhelming. What if you didn’t have to make sense of it all alone?

We’ve taken the headache out of all that research by doing it for you.

We’ll make it easy to understand Illinois car insurance rules and compare rates, companies, and coverage options too.  Read on to learn everything you need to know, all in one place.

But that’s not all!  You can also get quotes for your car insurance right here, right now.

Just enter your zip code above to get started!

Table of Contents

Illinois Car Insurance Coverage and Rates

If you want to drive in Illinois, you need to have car insurance.  The law requires every driver to be prepared for the financial responsibility of an accident, and that’s where your insurance policy comes in.

Illinois mandatory car insurance minimums include liability for both injuries and property damage.  State law also requires that every policy automatically include uninsured motorist coverage with limits that match the liability coverage.  That means that if you select the legal minimum for liability, you will get the same amount of coverage for uninsured motorist liability.

Illinois operates as a fault state.  You might also see it referred to as a tort system.  That means the insurance coverage of the driver who is at fault in the accident pays out for injuries and property damage.

Your insurance will only pay out up to the limits you have selected.

Once the limits are met, the insurance company can wash its hands of the claim and the at-fault driver is then responsible for any amount above and beyond those limits.  That’s why a lot of people choose higher liability limits.

If you’re just buying the legally required amount of coverage, this is what your policy will look like.

Insurance RequiredMinimum Limits:
Bodily Injury Liability Coverage$25,000 per one person
$50,000 per accident
Property Damage Liability Coverage$20,000 minimum
Uninsured/Underinsured Motorist Bodily Injury$25,000 per person
$50,000 per accident

The required coverage doesn’t include Uninsured of Underinsured Property Damage coverage, but it can be added as an option.  We’ll look at that a little further on.

– Forms of Financial Responsibility

In Illinois, car insurance is the must-have form of financial responsibility for drivers.  The state doesn’t permit any other methods of proving you can cover damages in an at-fault accident.

For decades drivers have been carrying around insurance cards that can be presented to a police officer at a traffic stop or at the scene of an accident.  But in the digital age, proof of financial responsibility has gone, well, digital.

Since 2013, Illinois law has allowed drivers to present their proof of insurance electronically.

You probably don’t always know exactly where your insurance ID card is, or maybe you just forgot to grab a new one on renewal, which can lead to trouble.  But if you’re like most people, you always have your phone and you always know just where it is.

As long as your insurance company provides electronic proof of insurance, you can simply show it to the officer right on your screen.  Just make sure you have a phone charger with you because a traffic stop is a bad time to reach for that proof and discover a dead battery instead.

A traffic stop isn’t the only place you might be asked to show proof of financial responsibility!

Illinois sends out random insurance verification requests.  If your license plate number is selected, you’ll receive a letter asking you to verify that you have insurance using an online form.  Don’t ignore the request; the state can suspend your registration if you don’t respond by the deadline.

Ok, so now we know you need insurance and you need to prove it on request.  So what’s this going to cost you?

– Premiums as a Percentage of Income

Just how much of your hard-earned income can you expect to pay out to your car insurance company?

The average Illinois driver spends 2.02 percent of their income on car insurance premiums.  The national average is 2.37 percent, so that’s well below.  In fact, Illinois ranks at number 17 nationwide for the lowest percentage of income spent on car insurance.

A full coverage policy in Illinois goes for an average of $854.10 a year.  That breaks down to $71.18 a month.

Illinoisans have an average per capita disposable income of $42,256.00 each year.  That represents how much money people have to spend after taxes.  On a monthly basis, that’s $3,521.33.

So what if you’re not the average?  The nature of averaging means that about half of Illinois residents are going to pay more, and the other half less. Understanding why your rate differs from your neighbors can be confusing.

Stay tuned, there’s a lot more to it.

We’ll look at a few more average numbers and then we’ll talk about the things that can affect where you fall on the rate spectrum.

-Core Coverage in Illinois

The good news is that drivers in Illinois are paying less for car insurance than the national average.  These three areas of coverage are considered core because they make up the basis of a full coverage policy.

Coverage Type:Average Cost, Illinois (2015)Average Cost, Nationwide (2015)
Liability$446.72$538.73
Collision$309.71$322.61
Comprehensive$128.13$148.04
Combined$884.56$1009.38

In every area of core coverage, the average Illinois rate is lower than the national average.

-Additional Liability Insurance

Illinois law tacks on uninsured motorist coverage to every policy, but additional liability is optional.  Med Pay is one of the options you can select to add more protection to your policy.  It will pay for injuries to you or others in your car regardless of fault.

Let’s look at how companies in Illinois are performing when it comes to paying out this type of claim.

Loss ratios are a method of measuring how much insurance companies are paying out in claims compared to premiums collected.  A really high loss ratio is bad news for the company since it means they’re paying out more than they’re bringing in.  That can affect the company’s financial stability.

On the other hand, a really low loss ratio indicates a different problem – the company isn’t paying out enough in claims.

Here are the overall loss ratios for the two areas of liability insurance that are offered in Illinois.

Loss RatioIllinois (2014) Nationwide (2014)Illinois (2015)Nationwide (2015)
Medical Payments (Med Pay)75.51%74.69%78.10%75.74%
Uninsured/Underinsured Motorist
62.98%67.18%67.53%69.46%

For 2015, Illinois loss ratios are hanging in around the national average.  They’ve gone up a bit in both areas since 2014.  Overall the loss ratios look pretty healthy for both sides.

-Add-ons, Endorsements, and Riders

Car insurance companies offer a lot of different options that you can add to your policy.  None of them are required by law, but they do add some extra value and protection.

You’ll notice that not every insurer will offer all of these options, so if one or more of them is important to you, you will want to select a company that offers them.

Here are common add-ons and endorsements for your insurance policy:

Some companies throw in extras as part of their standard policy, but most of the time you will pay extra for these options.

– Demographic Rates in Illinois

One of the things that can affect your car insurance rates is gender.  While some states have outlawed this practice, most still allow it.  Statistically, there are some differences between men and women when it comes to the risk they represent to an insurance company.

This difference is really noticeable in younger drivers.  The 17-year-old driver had the highest rates whether male or female, but a young male driver will pay a lot more than his female counterpart.

Each insurance company has their own method of rating; some give more weight to gender than others.  The same applies to every rating factor.

The gap in pricing starts to close up as drivers become older.  You can see in the chart below that some companies charge the same amount for both male and female drivers at age 35 and at age 60.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$3,305.50$3,320.65$3,452.26$3,452.26$8,547.98$11,112.80$3,973.25$4,293.46
American Family Mutual$2,369.94$2,369.94$2,168.97$2,168.97$6,676.10$9,263.85$2,369.94$3,056.23
Illinois Farmers Ins Co$2,456.68$2,457.73$2,179.75$2,305.14$10,514.80$10,961.50$2,803.50$2,931.88
Geico Cas$1,691.91$1,711.59$1,614.70$1,892.49$5,407.10$5,673.56$2,074.22$2,048.08
Safeco Ins Co of IL$1,401.51$1,512.93$1,165.71$1,303.12$4,621.83$5,140.83$1,464.07$1,543.97
Nationwide Mutual Fire$1,926.46$1,960.52$1,713.84$1,816.17$5,285.82$6,786.79$2,242.62$2,429.53
Progressive Northern$2,055.34$1,946.27$1,694.99$1,773.48$7,336.88$8,239.12$2,450.28$2,647.61
State Farm Mutual Auto$1,454.19$1,454.19$1,299.88$1,299.88$4,229.18$5,361.67$1,643.58$1,887.70
Travelers Standard Fire Ins Co$1,570.87$1,657.44$1,431.81$1,526.42$4,533.18$5,685.41$1,665.85$1,754.69
USAA$1,647.73$1,676.66$1,532.32$1,509.06$5,332.28$5,880.44$2,170.35$2,385.18

As a general rule, married people pay lower rates than do single people, especially in younger age groups.  By itself, it’s not a good reason to say “I do”, of course, but it is a nice added perk.

There’s much more to rating than just gender and relationship status.  Where you live also makes a difference in how much you pay.

Look for your zip code below to see if your area has one of the most or least expensive zip code rates.

25 Most Expensive Zip Codes in Illinois CityAverage by Zip CodeMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
60636CHICAGO$5,437.22Allstate$8,440.54Farmers$7,665.01Liberty Mutual$3,346.63Travelers$3,851.75
60623CHICAGO$5,385.12Allstate$8,819.04Farmers$7,501.83Liberty Mutual$3,354.15USAA$3,385.42
60624CHICAGO$5,378.19Allstate$8,818.77Farmers$7,548.54Liberty Mutual$3,245.86USAA$3,385.42
60651CHICAGO$5,361.85Allstate$8,563.35Farmers$7,548.54USAA$3,129.28Liberty Mutual$3,354.15
60644CHICAGO$5,359.76Allstate$8,564.60Farmers$7,524.75Liberty Mutual$3,125.16USAA$3,385.42
60621CHICAGO$5,323.19Allstate$8,230.54Farmers$7,548.54Liberty Mutual$3,245.74Travelers$3,652.09
60649CHICAGO$5,173.45Allstate$8,636.60Farmers$7,365.07Liberty Mutual$2,917.37USAA$3,649.72
60620CHICAGO$5,156.08Allstate$8,225.38Farmers$7,378.50Liberty Mutual$3,139.46USAA$3,519.74
60426HARVEY$5,086.94Allstate$9,019.10Farmers$8,005.22Liberty Mutual$3,250.04Travelers$3,421.74
60639CHICAGO$5,082.84Allstate$8,115.39Farmers$6,851.93Liberty Mutual$3,099.53USAA$3,385.42
60619CHICAGO$5,058.15Allstate$7,673.07Farmers$6,898.45Liberty Mutual$3,004.26USAA$3,519.74
60637CHICAGO$5,047.00Allstate$7,672.96Farmers$6,886.55Liberty Mutual$2,999.46Travelers$3,641.59
60628CHICAGO$5,027.07Allstate$8,156.64Farmers$6,923.74Liberty Mutual$3,327.37USAA$3,447.54
60609CHICAGO$4,977.73Allstate$6,676.64Farmers$6,648.83Liberty Mutual$3,218.94State Farm$3,534.20
60629CHICAGO$4,973.03Allstate$7,501.04Farmers$6,790.94Liberty Mutual$2,988.43Travelers$3,605.20
60653CHICAGO$4,969.81Farmers$6,745.47Allstate$6,604.65Liberty Mutual$3,052.94Travelers$3,696.77
60419DOLTON$4,916.48Allstate$8,376.85Farmers$7,307.96Liberty Mutual$3,196.44USAA$3,264.26
60428MARKHAM$4,909.88Allstate$9,019.10Farmers$7,454.20Liberty Mutual$3,021.11Travelers$3,360.48
60612CHICAGO$4,900.57Allstate$6,972.00Farmers$6,745.47Liberty Mutual$2,843.41USAA$3,385.42
60409CALUMET CITY$4,869.58Allstate$8,440.63Farmers$7,307.96Liberty Mutual$2,962.87Travelers$3,224.92
60632CHICAGO$4,865.06Allstate$6,824.25Farmers$6,624.53Liberty Mutual$2,988.43State Farm$3,598.14
60617CHICAGO$4,820.71Allstate$7,673.42Farmers$6,790.94Liberty Mutual$2,983.70USAA$3,264.26
60827RIVERDALE$4,740.34Allstate$7,488.91Farmers$7,081.87Liberty Mutual$3,002.60State Farm$3,316.77
60652CHICAGO$4,722.40Allstate$7,468.85Farmers$6,566.27Liberty Mutual$2,875.54USAA$3,139.82
60472ROBBINS$4,713.49Allstate$9,019.10Farmers$6,950.36Travelers$2,847.57Liberty Mutual$2,977.59

All of the top five most expensive zip codes are located in Chicago, which probably doesn’t surprise anyone.

25 Least Expensive Zip Codes in Illinois CityAverage by Zip CodesMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
61443KEWANEE$2,792.51Allstate$4,449.57Farmers$3,912.78State Farm$1,977.90Nationwide$1,989.04
61761NORMAL$2,793.40Allstate$4,542.05Farmers$4,070.74Nationwide$2,021.61State Farm$2,085.69
61261LYNDON$2,798.77Allstate$4,679.99Farmers$3,927.56State Farm$1,988.65Nationwide$1,989.04
61920CHARLESTON$2,798.85Allstate$4,605.31Farmers$4,040.75Travelers$1,945.27Liberty Mutual$2,048.79
61270MORRISON$2,804.51Allstate$4,679.99Farmers$3,948.18Nationwide$1,989.04State Farm$1,994.05
61258HOOPPOLE$2,806.57Allstate$4,494.65Farmers$4,012.84Nationwide$1,989.04State Farm$2,063.89
61274OSCO$2,807.10Allstate$4,494.65Farmers$3,826.59State Farm$1,933.28Nationwide$1,989.04
61235ATKINSON$2,810.61Allstate$4,494.65Farmers$3,912.78Nationwide$1,989.04Travelers$2,028.42
61234ANNAWAN$2,819.58Allstate$4,494.65Farmers$4,012.12Nationwide$1,989.04State Farm$1,999.86
61238CAMBRIDGE$2,820.36Allstate$4,494.65Farmers$3,826.59State Farm$1,946.69Nationwide$1,989.04
61251FENTON$2,821.17Allstate$4,679.99Farmers$3,948.18Nationwide$1,989.04Liberty Mutual$2,065.44
61277PROPHETSTOWN$2,822.68Allstate$4,664.23Farmers$3,948.18Nationwide$1,989.04State Farm$2,033.48
61938MATTOON$2,826.12Allstate$4,605.31Farmers$4,156.63Travelers$2,018.65Liberty Mutual$2,048.79
61254GENESEO$2,826.44Allstate$4,494.65Farmers$3,826.59Nationwide$1,989.04State Farm$2,001.71
61243DEER GROVE$2,827.01Allstate$4,679.99Farmers$3,927.56Liberty Mutual$2,013.86Travelers$2,065.23
61401GALESBURG$2,829.06Allstate$4,295.16Farmers$3,991.53State Farm$1,997.61Travelers$2,037.75
61250ERIE$2,830.99Allstate$4,679.99Farmers$4,018.99Nationwide$1,989.04Liberty Mutual$2,069.71
61379WYANET$2,838.40Allstate$4,494.65Farmers$4,061.34Liberty Mutual$1,994.59State Farm$2,028.67
61283TAMPICO$2,839.47Allstate$4,679.99Farmers$4,076.15State Farm$2,041.00Travelers$2,076.22
61233ANDOVER$2,839.82Allstate$4,494.65Farmers$4,026.91Nationwide$1,989.04State Farm$2,063.89
61314BUDA$2,846.26Allstate$4,494.65Farmers$4,096.75Liberty Mutual$1,994.59State Farm$2,077.89
61322DEPUE$2,846.43Allstate$4,494.65Farmers$4,047.50Liberty Mutual$2,001.75State Farm$2,011.52
61704BLOOMINGTON$2,847.73Allstate$4,540.19Farmers$4,127.12Nationwide$2,021.61Liberty Mutual$2,110.17
61726CHENOA$2,849.60Allstate$4,540.19Farmers$4,036.28State Farm$1,906.42Travelers$1,992.92
61361SHEFFIELD$2,851.39Allstate$4,494.65Farmers$4,096.75Travelers$2,074.20Liberty Mutual$2,100.77

You can also search by city to compare rates using this table:

10 Most Expensive Cities in Illinois Average by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Dixmoor$5,086.94Allstate$9,019.10Farmers$8,005.22Liberty Mutual$3,250.04Travelers$3,421.74
Dolton$4,916.48Allstate$8,376.85Farmers$7,307.96Liberty Mutual$3,196.44USAA$3,264.26
Markham$4,909.88Allstate$9,019.10Farmers$7,454.20Liberty Mutual$3,021.11Travelers$3,360.48
Calumet City$4,869.58Allstate$8,440.63Farmers$7,307.96Liberty Mutual$2,962.87Travelers$3,224.92
Calumet Park$4,740.34Allstate$7,488.91Farmers$7,081.87Liberty Mutual$3,002.60State Farm$3,316.77
Robbins$4,713.50Allstate$9,019.10Farmers$6,950.36Travelers$2,847.57Liberty Mutual$2,977.59
Burnham$4,650.32Allstate$7,381.57Farmers$6,615.17Liberty Mutual$2,815.74State Farm$2,980.52
Posen$4,648.95Allstate$9,019.10Farmers$7,307.96Liberty Mutual$2,373.65Travelers$2,785.98
Cicero$4,606.10Allstate$6,824.57Farmers$6,298.81Liberty Mutual$3,025.05Travelers$3,279.96
East Hazel Crest$4,594.20Allstate$7,861.08Farmers$6,647.03Liberty Mutual$2,737.63USAA$3,042.45

You might be surprised to see that while it’s home to the most expensive zip codes, Chicago isn’t the most expensive city overall.  Suburbs located mainly to the south and southwest of Chicago are the most expensive cities in the state.

10 Least Expensive Cities in Illinois Average by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Kewanee$2,792.51Allstate$4,449.57Farmers$3,912.78State Farm$1,977.90Nationwide$1,989.04
Charleston$2,798.85Allstate$4,605.31Farmers$4,040.75Travelers$1,945.27Liberty Mutual$2,048.79
Morrison$2,804.51Allstate$4,679.99Farmers$3,948.18Nationwide$1,989.04State Farm$1,994.05
Hooppole$2,806.57Allstate$4,494.65Farmers$4,012.84Nationwide$1,989.04State Farm$2,063.89
Atkinson$2,810.61Allstate$4,494.65Farmers$3,912.78Nationwide$1,989.04Travelers$2,028.42
Annawan$2,819.58Allstate$4,494.65Farmers$4,012.12Nationwide$1,989.04State Farm$1,999.86
Cambridge$2,820.35Allstate$4,494.65Farmers$3,826.59State Farm$1,946.69Nationwide$1,989.04
Fenton$2,821.17Allstate$4,679.99Farmers$3,948.18Nationwide$1,989.04Liberty Mutual$2,065.44
Prophetstown$2,822.68Allstate$4,664.23Farmers$3,948.18Nationwide$1,989.04State Farm$2,033.48
Mattoon$2,826.12Allstate$4,605.31Farmers$4,156.63Travelers$2,018.65Liberty Mutual$2,048.79

Cheap rates, on the other hand, are found in small cities in the western and southern reaches of Illinois.  These cities generally match up to the cheapest zip codes as well.

Car insurance companies use a complex rating system to determine rates, and demographics are just part of the picture.  Don’t be surprised if the average rates you see differ quite a bit from what you’re being quoted.  A lot of factors go into the number you see on your bill.

Illinois Car Insurance Companies

Illinois has a lot of insurance companies to choose from, from the big national names to the local companies promising personal service.  Choosing a car insurance company is not easy, and you don’t have the time to research each one.

We’ll help you get a closer look at your car insurance options by handling the research on your behalf, so you can save time and money.

Read on to see which of the biggest insurers in Illinois rank highest in customer satisfaction, which have the strongest financial status, and which offer the best rates.  We have gathered everything you need right here to make an informed decision on your insurance.

-The Largest Companies’ Financial Ratings

What’s in a financial rating and why does it matter to you?

An insurance company with a solid financial rating is in a good position to pay out claims.  The stronger the rating, the more certain you can be that the insurance company won’t leave you high and dry in the event of a claim.

Having the ability to pay out claims on all existing business really comes into play in the event of a major catastrophe.  Think about how many people are making claims all at once in the aftermath of a hurricane.  If the insurance company doesn’t have the ability to pay out all of those claims, it may go under, and some of their customers may be out of luck.

These are the AM Best ratings for each of the top ten car insurers in Illinois.

CompanyAM Best RatingLoss Ratio
State FarmA++67.70%
Allstate InsuranceA+51.65%
Country Insurance & Financial ServiceA+63.70%
GeicoA++74.41%
ProgressiveA+58.57%
FarmersA63.45%
American Family InsuranceA68.65%
Liberty MutualA62.03%
USAAA++76.55%
TravelersA++63.14%

AM Best is the trusted source for insurance company financial ratings.  They range from a D (poor) to an A++ (superior).  All of the top companies in Illinois rate Excellent or higher, with four of them earning top marks.

The loss ratios are shown for each of these companies as well, telling us how much they are paying out in claims versus how much they’re collecting in premiums.  As we touched on earlier, a loss ratio that’s too high means the company is paying out too much, affecting financial stability.  A ratio that’s too low means they aren’t paying out enough.

The statewide car insurance loss ratio for Illinois is 64.64 percent.

None of the top ten are paying out more in claims than they can afford to, but there are a few that have ratios on the low side compared to the statewide average.  While all of these companies are financially stable and unlikely to be unable to pay claims, it does look like a few of them aren’t paying out as much as they should be.

Financial stability is an important part of the picture, but a company’s reputation for customer service is often what makes them really stand out from the pack.  Let’s take a look at how drivers rank the top companies based on their experience.

– Companies With The Best Ratings

JD Power is the best-known name in customer service ratings, and they rank companies on an annual basis, using several categories of customer satisfaction.  These include price, claims, policy options, and more.

JD Power North Central 2018

Two of the companies in the Illinois top ten to earn a five-star rating from JD Power for 2018.  Those are Country Financial and USAA.

Only State Farm earned a four-star rating, with the rest of the top companies ranking as average or lower in the ratings.

It’s not surprising to see that State Farm is the largest insurer in the state, with both an A++ financial rating and a four-star ranking from J.D. Power.  Their 31.8 percent of the market share in Illinois means they likely have a lot of happy customers that stick around.

Financial ratings and customer satisfaction rankings don’t always match up.  Travelers sits at a two-star JD Power rating in spite of a superior financial rating.

– Companies With The Most Complaints in Illinois

Complaints ratio is one of the most useful bits of information we can find about a company because it tells us how many customers have filed a complaint compared to the amount of business the company has in the state,

A low complaint ratio is a sign that the company has had very few complaints for its size.

CompanyComplaint Ratio
Country Financial0.06
Hanover0.1
SafeCo0.12
State Farm0.13
Farmers0.13
Standard Fire Insurance0.14
Allstate0.18
MetLife0.18
USAA0.19
Progressive0.21
Erie0.21
American Family0.22
Geico0.23
Standard Mutual0.24
Hartford0.26
AAA0.29
Esurance0.29
Liberty Mutual0.32
Allied0.34
Auto Owners0.35
Nationwide0.4
Bristol West Insurance Company0.49
Safe Auto Insurance Company0.52
Ameriprise0.58
Mendota Insurance0.68
Elephant Insurance Company1.17
First Acceptance Insurance Company Inc.1.46
Safeway Insurance Company1.48
American Access Casualty Company1.6
Fred Loya Insurance1.63
First Chicago Insurance Company1.75
Unique Insurance Company3.18
Founders Insurance Company3.28
Falcon Insurance Company3.36
Stonegate Insurance Company3.76
American Freedom Insurance Company4.24
American Alliance Casualty Company4.3
Lighthouse Casualty Company4.95
Direct Auto Insurance Company5.85
United Equitable Insurance Company6.34

Country Financial, one of only two companies in the state to earn top marks from JD Power, also has the lowest complaint ratio.  When complaint volume and customer satisfaction rankings match up, that’s a sign the company is doing a very good job of keeping its customers happy.

All of the top companies in the state have a complaint ratio under 1.00, and in spite of not quite landing a five-star ranking from JD Power, State Farm has an impressively low complaint ratio.  Putting all of the pieces of the puzzle together helps to form a better picture of each company.

Now that we know which companies have happy policyholders, let’s take a look at what those companies are charging.

– Illinois Car Insurance Rates By Company

Few things are as important to car insurance shoppers as the price.  Because every company rates differently, the premium for the same person and the same coverage can be wildly different, as we can see in the rate chart below.

CompanyAverageCompared to State AveragePercent +/- State Average
Allstate F&C$5,182.27$1,911.32+36.88%
American Family Mutual$3,805.49$534.54+14.05%
Geico Cas$2,764.21-$506.75-18.33%
Illinois Farmers Ins Co$4,576.37$1,305.42+28.53%
Nationwide Mutual Fire$3,020.22-$250.74-8.30%
Progressive Northern$3,517.99$247.04+7.02%
Safeco Ins Co of IL$2,269.25-$1,001.71-44.14%
State Farm Mutual Auto$2,328.78-$942.17-40.46%
Travelers Standard Fire Ins Co$2,478.21-$792.75-31.99%
USAA$2,766.75-$504.20-18.22%

The difference between the most expensive rate and the cheapest is nearly $3,000!  That’s a good indicator of how much money you stand to overpay if you don’t take the time to shop around.

The rate chart above also tells us that highly rated companies aren’t the most expensive.  State Farm’s rate here comes in more than 40 percent below average, further explaining why they have almost three times the market share of any other Illinois insurance company.

Also interesting to note is that while direct-buy companies like Geico have a reputation for being cheaper, that doesn’t always play out in the numbers.

– Rates By Commute Distance in Illinois

How far you drive to work every day has an impact on your rates.  Like all car insurance rating factors, though, how much it affects rates varies from company to company.

Company10 miles commute or 6,000 annual mileage25 miles commute or 12,000 annual mileage
Allstate$5,182.27$5,182.27
American Family$3,756.53$3,854.46
Farmers$4,576.37$4,576.37
Geico$2,712.74$2,815.67
Liberty Mutual$2,269.25$2,269.25
Nationwide$3,020.22$3,020.22
Progressive$3,517.99$3,517.99
State Farm$2,270.17$2,387.40
Travelers$2,380.94$2,575.47
USAA$2,689.07$2,844.44

In some cases, commute distance has no impact on rates at all.  All of the rate comparisons show that commute distance doesn’t have a major impact on premiums in Illinois.

– Rates By Coverage Level

It’s logical to think that the more coverage you buy from an insurance company, the more expensive you can expect the policy to be.  Let’s look at rates for low, medium, and high levels of coverage.

CompanyLow CoverageMedium CoverageHigh Coverage
Allstate$5,020.65$5,177.14$5,349.03
American Family$3,673.16$3,944.42$3,798.90
Farmers$4,353.36$4,468.30$4,907.46
Geico$2,529.05$2,756.71$3,006.86
Liberty Mutual$2,140.41$2,264.25$2,403.08
Nationwide$3,000.83$3,045.06$3,014.77
Progressive$3,232.62$3,504.03$3,817.33
State Farm$2,200.64$2,332.30$2,453.41
Travelers$2,323.26$2,475.20$2,636.16
USAA$2,582.81$2,764.19$2,953.26

Each of these companies charges a little more as the level of coverage goes up, some more than others.

On average, the difference between low and high coverage is $328.29.

Increasing your coverage doesn’t really cost as much as you might think.  In fact, at Nationwide the difference is negligible, while several other companies can get you from low to high coverage for around $20 a month – or less.

– Rates By Credit History

You know credit history comes into play when you buy your car, but many people aren’t aware it can also impact your insurance rates.

Like every other factor you can expect that there will be a difference from company to company, so once again shopping around becomes your best friend regardless of credit score.

CompanyPoor Credit RateFair Credit RateGood Credit Rate
Allstate$6,613.50$4,765.11$4,168.20
American Family$5,064.08$3,442.45$2,909.95
Farmers$5,201.91$4,369.76$4,157.45
Geico$4,439.22$2,166.11$1,687.28
Liberty Mutual$3,209.71$2,002.97$1,595.06
Nationwide$3,606.83$2,908.56$2,545.26
Progressive$4,013.61$3,400.36$3,140.02
State Farm$3,384.91$2,027.96$1,573.47
Travelers$3,024.35$2,433.13$1,977.14
USAA$3,684.79$2,530.45$2,085.02

Going from a poor credit score to a good score can cut your rates in half with some companies.  If you’ve put some effort into improving your credit score you should see the results of that effort in your car insurance rate.  Companies don’t necessarily run your credit regularly, though, so ask your insurer to run a new score before your renewal, and make sure to shop around at the same time.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

– Rates By Driving Record

Your driving record is a big part of what you will pay for car insurance, and that’s reflected in the good driver discounts offered by nearly every insurance company out there.

It’s simple: a clean driving record tells the insurance company you’re a good risk.  Tickets, accidents, and DUI convictions are all red flags for the insurance company, warning that you represent a higher risk of a future claim.

Nobody’s perfect, though, and accidents happen.  Let’s see what some common driving record problems can do to rates.

CompanyClean RecordOne Speeding ViolationOne AccidentOne DUI
Allstate$3,712.50$4,869.92$6,295.82$5,850.85
American Family$2,797.36$3,173.51$3,971.42$5,279.69
Farmers$3,865.35$4,601.59$4,981.19$4,857.36
Geico$1,980.04$2,438.42$2,787.85$3,850.51
Liberty Mutual$1,891.37$2,146.09$2,681.59$2,357.92
Nationwide$2,432.56$2,794.56$3,149.89$3,703.87
Progressive$2,900.83$3,665.72$4,293.62$3,211.80
State Farm$2,128.05$2,328.78$2,529.52$2,328.78
Travelers$1,971.92$2,473.62$2,583.81$2,883.48
USAA$1,971.53$2,378.06$2,834.82$3,882.60

It might surprise you to see that some companies increase rates more for an accident than for a DUI.  Across the board, a speeding ticket is the least expensive violation.

– The Largest Car Insurance Companies in Illinois

CompanyDirect Premiums WrittenMarket Share
State Farm Group$2,365,80131.87%
Allstate Insurance Group$854,95911.52%
Country Insurance & Financial Service Group$494,3006.66%
Geico$468,4026.31%
Progressive Group$428,1725.77%
Farmers Insurance Group$326,1504.39%
American Family Insurance Group$324,5884.37%
Liberty Mutual Group$216,6172.92%
USAA Group$175,8592.37%
Travelers Group$119,7981.61%

State Farm is far and away the biggest car insurance company in Illinois, with the next biggest – Allstate – trailing by more than one and a half million dollars in premiums.  Allstate has a little more than a third as much business in the state.

The next biggest again takes a big jump down, with about half the business Allstate holds.

– Number of Car Insurance Companies in Illinois

There are a lot of car insurance companies operating in Illinois, and that means you have a lot to choose from.

Property & Casualty Insurers 
Domestic191
Foreign860
Total1,051

Of the more than one thousand companies licensed in the state, 191 are domestic insurance companies.

Illinois Laws

The rules regarding drivers and vehicles in Illinois are extensive and confusing, but a basic knowledge of the most important statutes will keep you on the right side of the law.

– Illinois State Laws

If you find legal jargon hard to read and understand, you’re not alone.  Add to that the fact that there are new laws and changes to existing laws coming into effect regularly, and it can be hard to keep up.  A simple, straightforward list of the laws you need to know would make it a lot easier, right?

We’ve gathered the main Illinois laws that everyone needs to know all in one place, and we have simplified them into easy-to-understand language.

Read on to learn about driver and vehicle licensing, insurance requirements, and the rules of the road that could cost you a big fine if you aren’t aware of them.

– Car Insurance Laws

The Illinois General Assembly, which is made up of the state House of Representative as well as the state Senate, handles laws pertaining to mandatory car insurance.

Car insurance laws are found in the Illinois Code, Chapter 625, Article 5.

That’s a complex document that essentially boils down to the requirement that every driver on the road has to carry mandatory liability insurance.

-High-Risk Insurance

Some drivers have a hard time getting the mandatory coverage needed to be on the road legally.  Usually, this is due to driving record but may also include things like poor credit history or an international driver’s license.

Illinois uses the SR-22 system to ensure that drivers with problematic histories are meeting their obligations to carry insurance.  You may be required to file an SR-22 if you’ve been convicted of certain major violations, have repeatedly been convicted of driving without insurance, have had your license revoked, or several other issues.

An SR-22 is not a type of insurance.  It’s a filing with the state that proves you have insurance.

Many insurance companies on the standard market can file and SR-22 on your behalf, although not all offer the service.  In some cases, a driver’s record may disqualify them for coverage on the open market.  In that case, there is a program to help.

The Illinois Automobile Insurance Plan (ILAIP) helps high-risk drivers to get coverage by placing them through a pool of insurance companies.  Every company in the state is required to participate.

This is a last-ditch option that is only available to those that have tried to get coverage on the open market.  It will be expensive but rates are regulated, and it will get you on the road legally while you work on improving your record.

-Low-Cost Insurance

Shopping around is your best bet for finding coverage at a low price since the state of Illinois doesn’t currently offer a low-cost plan.  Take a look back at the price comparison chart above and you’ll see which companies generally have lower rates.

-Windshield Coverage

There is nothing in the law the governs what windshield coverage an insurance company has to offer.  A lot of car insurance companies do offer a windshield repair or replacement endorsement, but with others, it is simply covered as part of your comprehensive coverage.  That means its subject to the comprehensive deductible.

The law allows insurance companies to use aftermarket or used parts in repairs, including windshields, but they do have to notify you in writing and you have the right to refuse.  You may be required to pay the difference if you refuse.

-Automobile Insurance Fraud in Illinois

Insurance fraud is a crime in Illinois, with increasing penalties depending on the financial loss caused by the fraud.  The Illinois Penal Code outlines the possible sentence for a fraud conviction.

Dollar Amount of FraudCrime ClassificationPenalties
$300 or lessClass A MisdemeanorUp to 1 year in jail
Up to $2,500 in fines
More than $300 but less than $1,000Class 3 Felony2 to 5 years in prison
More than $10,000 but less than $100,000Class 2 Felony3 to 7 years in prison
More than $100,000Class 1 Felony4 to 15 years in prison

Any defrauded amount over $300 is a felony in Illinois.

Fraud can be reported to the Illinois Chapter of the International Association of Special Investigation Units (IASIU).

-Statute of Limitations

Illinois has a statute of limitations for claims against another person both for personal injury and for property damage.

You can make a personal injury claim up to two years after the incident, while a property damage claim can be made up to five years after the incident.

-State Specific Laws

Illinois laws are generally in line with what most states require and prohibit, but here’s one that’s worth knowing.

You will have to tuck those fuzzy dice away when you enter the state.

Illinois law prohibits hanging anything from your rearview mirror that could obstruct your view.  Police can and have pulled people over for not only fuzzy dice but air fresheners and even handicapped parking placards. They’re one of a few states that have such a law on the books.

While it sounds like one of those silly laws that are outdated, there have been incidents where obstructions have caused accidents.  Better safe than sorry.

– Vehicle Licensing Laws

The Illinois Driver Services department of the Office of the Secretary of State handles all of the new driver licensing and renewal of driver licenses in the state.  A variety of rules and procedures are involved in vehicle and driver licensing.

-Penalties for Driving Without Insurance

If you’re convicted of driving without insurance in Illinois, there are some pretty stiff penalties.

  • For a first or second offense, there is a minimum fine of $500.  The vehicle plates will be suspended until proof of insurance is provided and a $100 reinstatement fee is paid, and the driver’s license will be suspended for three months.
  • For a third offense, the fine increases to a minimum of $1,000.  The vehicle plates and driver’s license will be suspended for four months, followed by a required $100 reinstatement fee and proof of insurance.
  •  If you’re caught driving with suspended plates after a conviction for driving without insurance, there is a further $1,000 fine and an additional six-month license suspension.
  • After a third offense, the driver will be required to file an SR-22.

Driving without insurance is risky and costly if you’re caught, so it’s best to make sure you’re always covered.

-Teen Driver Laws

Getting your license as a teen driver in Illinois means going through several licensing phases.  The graduated licensing program, which is similar to those used in other states, helps to ease new drivers into the responsibility of being on the road while keeping them safe during the process.

Each of the phases of the program has rules and requirements that are eased off over time, allowing new drivers to gain experience safely.

License TypeMinimum AgeRequirementsRestrictions
Learner's Permit15 yearsEnroll in driver education (not required after age 15 and 6 months)
Pass written and vision tests
May drive only with a parent, guardian, or instructor over 21
May not drive between 10 p.m.-6 a.m. (11 p.m. on Friday and Saturday
May not use a cell phone, even hands-free
Provisional License16 years Must have permit for 9 months
Must complete 50 hours of driving instruction, 10 of which are at night
Complete driver ed
Pass road test
May not drive between 10 p.m.-6 a.m. (11 p.m. on Friday and Saturday
May not use a cell phone, even hands-free
Only one passenger under 20 years old (except family) for 12 months or until 18
Full License18 yearsIf driver did not complete driver ed in high school, a 6-hour adult training course is requiredNo cell phone use, including hands-free, until age 19

-Older Driver License Renewal Procedures

License renewal procedures in Illinois are slightly different for seniors than for the general population.  The rules start to change at age 75.

Renewal ProceduresGeneral PopulationOlder Population
License renewal cycle4 years2 years for people 81 - 86; 1 year for people 87 and older
Mail or online renewal permittedBoth, every other renewalNot permitted 75 and older
Vision test requiredWhen renewing in person75 and older, every renewal

-New Residents

If you’re moving to Illinois you will have 90 days from the time you become a resident to obtain an Illinois driver’s license.  You’ll need to go down to the Secretary of State Facility nearest you to take care of the paperwork.

Drivers coming from another state with a valid license you will need to pay the fee and pass both a written test and a vision test.  You’ll then be photographed for your new license and surrender your old one.

In some cases, a road test may also be required.  This generally applies if your out-of-state license is expired or if you have a foreign license not recognized by the state of Illinois.

-License Renewal Procedures

For the general population, driver license renewal is every four years, and every second renewal you’ll have to go in person.  Some drivers may be eligible to renew online; your renewal letter will tell you if this is an option for you.

If you haven’t kept a clean driving record, you may be required to take a written test every eight years, which is every second renewal.

Whichever method is available to you for renewal, you will need to pay the appropriate fee and submit the renewal before your license expires.

-Illinois’ Negligent Driver System

Illinois uses a points system to track violations of traffic laws.  Points are assigned to the driver for various offenses, and if you receive too many points you could face a suspension of your license.

Here are a few common violations and their points value:

  • 1-10 mph over the limit – five points
  • 11-14 mph over the limit – 15 points
  • 15-25 mph over the limit – 20 points
  • 25 mph or more over the limit – 50 points
  • Reckless driving – 55 points
  • Failure to obey a stop sign – 20 points
  • Failure to obey a traffic signal or light – 20 points

If you have three or more violations within three months, your license will be suspended for a time period based on the number of points you have.

  • 15-44 points is a two-month suspension
  • 45-74 points is a three-month suspension
  • 75-89 points is a six-month suspension
  • 90-99 points is a nine-month suspension
  • 100 or more points is a 12-month suspension

– Rules of the Road

Traffic codes are long, complex documents that outline all of the rules drivers are expected to follow on the road.  For most drivers, there are just a few really important laws to be aware of in order to avoid fines and penalties.

-Fault Vs. No-Fault

Illinois is a fault state.  This means that the insurance policy of the driver who is found to be at fault in an accident is the one that will pay out for damages.  You’ll also see this system referred to as a tort system.

Illinois does use comparative fault which means you can be 0 percent at fault, 100 percent at fault, or any combination of fault in between.  When the fault is split between two parties in an accident, the responsibility for paying for damage is also split.  That means your insurance may pay a portion of the damage if you’re not entirely fault-free in an accident.

-Keep Right and Move Over Laws

Drivers in Illinois are required to stay in the right lane of a multi-lane highway unless they’re in the process of passing or are about to turn left.  This law applies on limited access highways, including freeways and interstates.

-Speed Limits

The speed limit in Illinois is 70 mph on rural interstate highways.  In urban areas that speed limit drops to 55 mph.

If you’re on a limited access road that is not an interstate, the speed limit is 65 mph.  All other roads have a speed limit of 55 mph.  As always, obey the posted speed limit no matter what type of road you’re traveling.

-Seat Belt and Car Seat Laws

When you get in your car in Illinois, you’d better buckle up!  The law says that everyone in the car has to be secured in a safety belt.  A first offense will cost you a minimum fine of $25.

Younger passengers also have specific safety rules.  All children seven years and younger must be restrained in the proper car seat for their weight and height.

Illinois has also followed the recommendations of the American Academy of Pediatrics (AAP recently updated their recommendations to remove the age limit and rely on weight) and enacted a law that requires all children two years old and under to be in a rear-facing car seat unless the child weighs at least 40 lbs.

Failure to obey this law carries a minimum fine of $75 for a first offense.

Currently, Illinois has no state law forbidding passengers to ride in the cargo area of a pickup truck.

-Ridesharing

Illinois’ Transportation Network Providers Act outlines the laws surrounding ridesharing companies and drivers for those companies.

Under the act, ridesharing drivers must carry liability limits of $50,000 per person and $100,000 per incident for bodily injury, which is double the legal minimum for other drivers.  The act also increases the property damage liability requirement to $25,000.

Ridesharing drivers are required to carry at least $50,000 in uninsured motorist liability coverage as well.

It’s vital to make sure your insurance policy covers you for ridesharing – some don’t!

There are several insurance companies in Illinois that offer ridesharing insurance coverage.  It’s usually added as an endorsement on your personal insurance policy, on top of the increase in limits.

-Automation On The Road

Automated cars are no longer a future fantasy; in many states, they are already on the road!

Illinois allows automation for testing purposes, but an operator has to be in the vehicle.  Liability insurance that meets the legal minimums is also required for these vehicles.

– Safety Laws

Several laws in Illinois are designed to make sure that drivers are behaving safely and responsibly behind the wheel.

-DUI Laws

Illinois has harsh punishments for DUI convictions.  First and second offenses are Class A Misdemeanors, while the third and fourth offenses are classified as  Class 2 Felonies.  A fifth offense is a Class 1 Felony, and any offense after that is a Class X Felony.

Type of PenaltyFirst OffenseSecond OffenseThird OffenseFourth OffenseFifth Offense
License Revocation1 year5 year minimum for second offense within 20 years10 years
Vehicle registration suspended
Life
Vehicle Registration suspended
Already revoked at 4th Offense
Fine$500-$2,500$1,200-$2,500$2,500-$25,000Up to $25,000Up to $25,000
ImprisonmentUp to 1 year5 days-1 year or 240 hours community service90 days minimum up to 7 years4-15 years6-30 years
OtherMust complete substance treatment evaluation program.
High-risk insurance for three years.
N/AN/AN/AN/A

The legal blood alcohol limit (BAC) in Illinois is 0.08.  A BAC of 0.16 or more is considered high.

Every driver convicted of a DUI will have a mandatory ignition interlock device installed in addition to other penalties and requirements.

-Marijuana Laws

Illinois treats marijuana use similarly to alcohol. The legal limit for THC in a driver’s system is five nanograms.

A driver exceeded this legal limit is subject to the same penalties as a driver exceeding the legal BAC limit, and the offense is considered a DUI.

-Distracted Driving Laws

In Illinois, handheld cell phone use is banned for all drivers.  This includes making phone calls as well as texting while driving.  Not only are cell phones not allowed, but you can’t use any other form of electronic communication either, including iPads and other devices.

Drivers under the age of 19 are banned from using a cell phone in any form while driving, including hands-free.

The only exception to the rule is in an emergency situation, or if the car is pulled over to the side of the road or has been put in park while stopped in the road due to an obstruction ahead.

Illinois Need-To-Know Facts

Unfortunately, not everyone follows the laws.

The news can make it seem like it’s a scary place out there, and it’s hard to know what the real risks are and what is sensationalism.  Wouldn’t it be nice to know what the actual statistics are on road safety in Illinois without having to dig through a lot of confusing numbers?

We’ve brought together the need-to-know basics on the most common violations of vehicle and road laws as well as their repercussions.

In this next section, we will break down vehicle theft rates, dangerous driving habits, crash details, and how long it takes to get emergency assistance in a serious crash.

– Vehicle Theft in Illinois

Hopefully, you have never experienced the sinking feeling of realizing your car isn’t where you left it. Unfortunately, it does happen all too frequently.  We’ve gathered some statistics on theft to help you get a picture of the risk.

-Vehicle Theft By Make and Model

Here are the cars most at risk of being stolen in Illinois, based on theft statistics.

Year/Make/ModelThefts
2000 Dodge Caravan1,054
2008 Chevrolet Impala579
2000 Honda Civic566
1997 Honda Accord481
2011 Chevrolet Malibu442
1999 Chevrolet Pickup (Full Size)418
2006 Ford Pickup (Full Size)392
2014 Toyota Camry383
2000 Jeep Cherokee/Grand Cherokee374
2014 Nissan Altima326

-Vehicle Theft By City

Take a look below to find out how common vehicle theft is in your Illinois town.

CityThefts (2017)
Addison27
Albany0
Aledo1
Alexis0
Algonquin9
Alsip49
Altamont1
Alton66
Amboy0
Anna3
Annawan0
Antioch3
Arlington Heights27
Aroma Park0
Arthur0
Ashland3
Ashton0
Assumption0
Athens0
Auburn1
Aurora176
Aviston0
Bannockburn0
Barrington6
Barrington Hills2
Barry0
Bartlett7
Bartonville12
Batavia7
Beardstown1
Bedford Park13
Beecher2
Belgium0
Belleville74
Belvidere15
Bensenville24
Berkeley9
Berwyn120
Bethalto6
Blandinsville0
Bloomingdale5
Bloomington77
Blue Island74
Bluffs0
Bolingbrook70
Bourbonnais6
Bradley8
Braidwood0
Bridgeview21
Brighton3
Broadview23
Brookfield6
Brookport0
Buffalo Grove4
Bunker Hill1
Burbank18
Burr Ridge9
Byron2
Cahokia43
Calumet City172
Cambridge1
Campton Hills0
Canton8
Carbondale27
Carlinville4
Carlyle1
Carol Stream17
Carpentersville24
Carrollton1
Carterville5
Carthage1
Cary0
Catlin0
Centralia34
Centreville42
Chadwick0
Champaign123
Channahon9
Charleston6
Chatham1
Chenoa0
Cherry Valley4
Chester3
Chicago11,578
Chicago Heights121
Chicago Ridge23
Chillicothe3
Christopher0
Cicero161
Clarendon Hills8
Coal City2
Coal Valley1
Cobden1
Colfax1
Collinsville18
Columbia2
Cortland0
Country Club Hills38
Countryside12
Cowden0
Crest Hill21
Crete7
Creve Coeur2
Crystal Lake7
Danvers0
Danville71
Darien15
Decatur92
Deer Creek0
Deerfield8
De Kalb37
Delavan4
De Pue0
De Soto0
Des Plaines32
Diamond0
Divernon0
Dixon9
Downers Grove22
Dupo7
Du Quoin0
Earlville1
East Alton10
East Dubuque3
East Dundee3
East Hazel Crest6
East Moline36
East Peoria16
East St. Louis144
Edwardsville15
Effingham14
Elburn1
Elgin74
Elizabeth1
Elk Grove Village38
Elmhurst24
Elmwood0
Elmwood Park19
El Paso3
Elwood6
Energy1
Erie0
Essex0
Eureka5
Evanston63
Evergreen Park8
Fairbury2
Fairfield2
Fairmont City4
Fairmount0
Fairview Heights27
Farmersville0
Farmington0
Findlay0
Fisher0
Fithian0
Flora1
Flossmoor5
Forest Park72
Forest View16
Fox Lake14
Fox River Grove3
Frankfort11
Franklin Grove0
Freeburg2
Freeport12
Fulton0
Galena0
Galesburg16
Geneseo1
Geneva2
Genoa2
Georgetown4
Germantown1
Gibson City0
Gifford0
Gilberts3
Gilman1
Girard0
Glasford0
Glen Carbon4
Glencoe7
Glendale Heights26
Glen Ellyn13
Glenview19
Glenwood5
Godley1
Golf0
Goodfield0
Grafton0
Grand Ridge0
Grandview1
Granite City94
Grantfork1
Grayslake6
Grayville3
Greenfield1
Greenup0
Greenville6
Gurnee26
Hainesville0
Hampshire1
Hampton2
Hanover Park14
Harrisburg6
Hartford0
Harvard1
Harwood Heights10
Havana3
Hawthorn Woods2
Hazel Crest66
Henning0
Henry2
Herrin39
Herscher0
Hickory Hills17
Highland2
Highland Park26
Highwood2
Hillsboro2
Hillsdale0
Hillside20
Hinckley0
Hinsdale12
Hodgkins4
Hoffman Estates30
Homer0
Homer Glen3
Hometown0
Homewood24
Hoopeston10
Hudson0
Huntley6
Ina0
Indian Head Park3
Indianola0
Island Lake0
Itasca4
Jacksonville19
Jerseyville8
Johnsburg5
Joliet165
Jonesboro0
Kankakee51
Kansas0
Kenilworth1
Kewanee5
Kildeer1
Kincaid4
Kingston1
Kirkland0
Lacon1
La Grange5
La Grange Park4
La Harpe1
Lake Bluff6
Lake in the Hills3
Lakemoor0
Lake Villa5
Lakewood0
Lake Zurich4
Lansing95
La Salle3
Lebanon3
Lemont5
Lenzburg0
Le Roy1
Libertyville9
Lincoln10
Lincolnshire0
Lincolnwood23
Lindenhurst3
Lisle10
Litchfield10
Loami0
Lockport6
Lombard19
Loves Park16
Lovington1
Lyons12
Machesney Park17
Macomb10
Mahomet4
Malta0
Manhattan0
Maple Park0
Marengo1
Marine3
Marissa2
Maroa0
Marquette Heights0
Marseilles5
Marshall1
Martinsville0
Maryville4
Mascoutah0
Matteson37
Mattoon0
Maywood93
McCook2
McCullom Lake0
McHenry8
McLean0
Melrose Park43
Mendota5
Merrionette Park2
Metropolis16
Midlothian29
Milan1
Milledgeville0
Millstadt0
Minier0
Minonk2
Mokena12
Moline46
Momence5
Monee4
Monmouth13
Montgomery14
Monticello0
Morris4
Morrison5
Morton8
Morton Grove14
Mount Carmel2
Mount Carroll1
Mount Morris0
Mount Olive2
Mount Prospect17
Mount Pulaski0
Mount Vernon17
Mount Zion0
Moweaqua0
Mundelein9
Murphysboro4
Naperville47
Neoga0
New Athens1
New Baden0
New Berlin0
New Lenox11
Newton4
Nokomis5
Normal22
Norridge11
Norris City0
North Aurora6
Northbrook8
North Chicago7
Northfield7
Northlake15
North Riverside3
North Utica1
Oak Brook9
Oakbrook Terrace7
Oak Forest26
Oak Lawn14
Oak Park108
Oakwood0
Oblong0
O'Fallon13
Oglesby0
Okawville1
Olney12
Onarga0
Oregon4
Orion1
Orland Park15
Oswego11
Ottawa7
Palatine29
Palestine0
Palos Heights4
Palos Hills12
Palos Park1
Pana5
Paris11
Park City20
Park Forest41
Park Ridge9
Pawnee0
Paxton1
Pekin20
Peoria334
Peoria Heights23
Peotone2
Peru3
Phoenix6
Pierron0
Pinckneyville2
Pingree Grove1
Pittsfield0
Plainfield21
Plano5
Pleasant Hill0
Pleasant Plains0
Polo0
Pontiac5
Pontoon Beach8
Posen21
Potomac0
Princeton2
Prophetstown0
Prospect Heights10
Quincy42
Raleigh0
Rankin0
Rantoul16
Red Bud3
Richmond1
Richton Park40
Ridge Farm0
Riverdale49
River Forest6
River Grove8
Riverside3
Riverton4
Riverwoods1
Robbins20
Rochester3
Rockdale3
Rock Falls2
Rockford450
Rock Island108
Rockton0
Rolling Meadows13
Romeoville25
Roscoe2
Roselle10
Rosemont8
Round Lake7
Round Lake Beach14
Round Lake Heights1
Round Lake Park1
Roxana3
Royalton0
Ruma0
Rushville1
Salem7
Sandoval7
Sandwich1
San Jose0
Sauget9
Sauk Village39
Schaumburg49
Schiller Park20
Seneca0
Sesser1
Shannon0
Shawneetown3
Sherman0
Shiloh4
Shorewood9
Sidell0
Silvis9
Skokie55
Sleepy Hollow0
Smithton0
Somonauk0
South Barrington2
South Beloit4
South Chicago Heights9
South Elgin2
South Holland87
South Pekin2
South Roxana3
Springfield313
Spring Grove2
Spring Valley2
Stanford0
St. Anne0
St. Charles14
Steger13
St. Elmo3
Sterling31
Stickney7
Stockton1
Streator20
Sullivan2
Summit39
Sumner1
Swansea17
Sycamore3
Taylorville15
Thayer0
Thomasboro2
Thornton3
Tilton2
Tinley Park41
Tolono1
Toluca0
Tonica1
Tower Lakes0
Trenton0
Troy5
Tuscola5
Urbana27
Valmeyer0
Vernon Hills11
Vienna2
Villa Park21
Viola0
Virden1
Walnut0
Warren0
Warrensburg0
Warrenville7
Washington2
Washington Park18
Watseka11
Waukegan59
Waverly0
Wayne0
Wenona0
Westchester9
West Chicago15
West City0
West Dundee3
Western Springs5
West Frankfort12
Westmont11
Westville2
Wheaton12
Wheeling12
White Hall0
Willowbrook9
Willow Springs1
Wilmette14
Wilmington3
Winfield3
Winnebago1
Winnetka15
Winthrop Harbor3
Witt0
Wood Dale9
Woodridge26
Wood River17
Woodstock4
Worth17
Yates City0
Yorkville5
Zion41

– Risky/Harmful Behavior

Not everyone is a safe driver, and in some cases, poor decisions wind up costing lives.

In 2017, car accidents claimed 1,097 lives in Illinois.

Many of those fatalities involved speeding or alcohol consumption, making them avoidable deaths.

-Fatality Rates By City

Chicago has the highest rate of traffic fatalities of any Illinois city, which isn’t surprising given its relative size.  There were 121 traffic fatalities that happened in Chicago during 2016.

We also found data for the city of Aurora, IL, where a total of eight fatalities happened in 2016.

-Rural Vs. Urban Fatality Rates

Of the total number of traffic fatalities in 2017, 689 took place in cities and 402 in rural areas.  That makes the urban rate of traffic deaths quite a bit higher than the rural rate.

Six of the reported deaths took place in unknown locations.

-Fatalities By Person Type

Here’s a look at the traffic fatalities broken down by the type of person involved.

Person TypeNumber
Occupants (Enclosed Vehicles)720
Motorcyclists162
Bicyclists and other cyclists26
Pedestrians145

-Fatalities By Crash Type

A large number of fatal crashes – more than half – involved a single vehicle.  Speeding is also a common factor in crashes.  Take a look at the numbers:

Crash TypeNumber
Single Vehicle579
Involving a Large Truck149
Involving Speeding462
Involving a Rollover235
Involving a Roadway Departure535
Involving an Intersection 340

-Five-Year Trend For The Top 10 Counties

Some counties have seen a decrease in traffic fatalities over the past ten years, but not all.  Since 2014 the number for Cook County, where Chicago is located, has risen steadily.

County2013 Fatalities2014 Fatalities2015 Fatalities2016 Fatalities2017 Fatalities
Cook County250235239268287
Will County4861514559
Lake County3431365047
Madison County2833332145
Dupage County3024363640
St. Clair County4531394035
Mchenry County1719182633
Kane County2921293931
Winnebago County3522293923
Kankakee County141492318
Total: Top Ten Counties538501530596618
Total: All Other Counties453423468482479

-Fatalities Involving Speeding By County

Search by county below to see the number of speeding fatalities in 2017.

County Name2017 Speed Fatalities
Adams County4
Alexander County1
Bond County2
Boone County3
Brown County0
Bureau County3
Calhoun County0
Carroll County2
Cass County2
Champaign County5
Christian County1
Clark County3
Clay County0
Clinton County3
Coles County5
Cook County143
Crawford County4
Cumberland County3
De Witt County1
Dekalb County4
Douglas County1
Dupage County17
Edgar County1
Edwards County0
Effingham County0
Fayette County1
Ford County0
Franklin County0
Fulton County1
Gallatin County0
Greene County3
Grundy County1
Hamilton County0
Hancock County1
Hardin County1
Henderson County0
Henry County4
Iroquois County1
Jackson County1
Jasper County0
Jefferson County5
Jersey County1
Jo Daviess County1
Johnson County0
Kane County18
Kankakee County11
Kendall County5
Knox County1
La Salle County7
Lake County20
Lawrence County1
Lee County3
Livingston County3
Logan County4
Macon County3
Macoupin County1
Madison County18
Marion County1
Marshall County4
Mason County0
Massac County3
Mcdonough County0
Mchenry County9
Mclean County5
Menard County1
Mercer County0
Monroe County0
Montgomery County2
Morgan County4
Moultrie County2
Ogle County1
Peoria County3
Perry County1
Piatt County0
Pike County2
Pope County0
Pulaski County0
Putnam County0
Randolph County2
Richland County0
Rock Island County1
Saline County0
Sangamon County4
Schuyler County0
Scott County0
Shelby County2
St. Clair County13
Stark County1
Stephenson County2
Tazewell County2
Union County5
Vermilion County11
Wabash County1
Warren County1
Washington County4
Wayne County2
White County1
Whiteside County3
Will County34
Williamson County4
Winnebago County7
Woodford County0

-Fatalities Involving DUI By County

The chart below allows you to look up the number of DUI fatalities by county.

County NameDUI Fatalities (2017)
Adams County1
Alexander County0
Bond County2
Boone County3
Brown County0
Bureau County2
Calhoun County0
Carroll County3
Cass County0
Champaign County3
Christian County1
Clark County0
Clay County1
Clinton County2
Coles County3
Cook County109
Crawford County2
Cumberland County0
De Witt County0
Dekalb County2
Douglas County0
Dupage County7
Edgar County0
Edwards County0
Effingham County0
Fayette County1
Ford County1
Franklin County0
Fulton County4
Gallatin County0
Greene County1
Grundy County3
Hamilton County0
Hancock County1
Hardin County0
Henderson County0
Henry County3
Iroquois County0
Jackson County2
Jasper County1
Jefferson County3
Jersey County1
Jo Daviess County2
Johnson County0
Kane County7
Kankakee County8
Kendall County3
Knox County0
La Salle County6
Lake County18
Lawrence County0
Lee County2
Livingston County2
Logan County3
Macon County1
Macoupin County2
Madison County14
Marion County1
Marshall County2
Mason County0
Massac County3
Mcdonough County0
Mchenry County12
Mclean County4
Menard County2
Mercer County0
Monroe County0
Montgomery County0
Morgan County4
Moultrie County0
Ogle County2
Peoria County4
Perry County1
Piatt County0
Pike County1
Pope County0
Pulaski County0
Putnam County0
Randolph County3
Richland County0
Rock Island County2
Saline County1
Sangamon County3
Schuyler County1
Scott County0
Shelby County0
St. Clair County15
Stark County1
Stephenson County1
Tazewell County1
Union County5
Vermilion County6
Wabash County1
Warren County0
Washington County2
Wayne County1
White County1
Whiteside County3
Will County21
Williamson County5
Winnebago County5
Woodford County0

-Teen Drinking and Driving

Teen drinking and driving has been a problem for decades, with many states working hard to reduce the instances and especially the number of fatalities that result.  Illinois is doing well in that regard, with a rate that is well below the national average.

Teens and Drunk DrivingLaws
Alcohol-Impaired Driving Fatalities Per 100K Population0.7
Higher/Lower Than National Average (1.2)Lower
DUI Arrest (Under 18 years old)7
DUI Arrests (Under 18 years old) Total Per Million People2.39

Illinois also ranks near the bottom for teen drunk driving arrests, coming in at a very low number 49 overall.

-EMS Response TIme

How long does it take to get medical help in a fatal crash?  These numbers provide an idea of how quickly Illinois Emergency Medical Services are able to reach accident scenes and get victims to the hospital.

Type of Crash Time of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Rural Fatal Crashes2.119.755357
Urban Fatal Crashes 81N/AN/A

– Transportation

Illinois is a state of drivers.  Most families own two cars, and the vast majority of commuters do so alone in their vehicle.  That adds up to a lot of cars and a lot of time spent on the road.  Take a look at how Illinois car owners stack up.

-Car Ownership

More than 40 percent of Illinois residents own two cars, with three-car families at 20 percent.
Illinois Car Ownership Statistics

-Commute Time

The average commute time in Illinois is a little above the national average of 25.3 minutes.  More than 20 percent of the workforce has a commute in excess of 45 minutes.  That’s not surprising given the traffic in the Chicago metro area (you’ll find that information a little further down the page).

Illinois Commute Times

-Commuter Transportation

Single occupant vehicles are the main mode of transportation for Illinois’ workforce.  While that’s statewide, it’s still surprising to see such a low rate of public transportation given the Chicago metro area’s extensive train and bus system (and how many people live there).

Illinois Commuter Transportation Data

-Top Cities For Traffic Congestion

INRIX, which monitors traffic congestion in cities around the world, ranks Chicago as the 23rd most congested city in the world.  That’s a lot of traffic.

Chicago is the third most congested city in the United States.

Drivers spent about 138 minutes of driving time a day in congestion during 2018.

If you live outside of Chicago – and don’t commute into Chicago – you likely spend a lot less time sitting in congested traffic,

Now that you’re armed with everything you need to know about driving in Illinois, it’s time to get on the road.

Not without insurance, of course!  Enter your zip code below right now for fast and easy rate quotes!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]