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Cheap Auto Insurance Quotes for Teenagers in Illinois

In a perfect world, we could just tell you the single best car insurance company that has the best car insurance rates in Illinois. Unfortunately, it’s not that simple as there are a ton of unknown aspects such as if you own or rent your home, if you are a woman or a man, your annual mileage driven, and deductibles for comprehensive and collision coverage. We will try to teach you about the things that influence insurance rates and educate you enough to have some help in finding cheaper rates.

We all like different vehicles, and the type of vehicle you are buying coverage for is a large factor when trying to find cheap auto insurance for teenagers in Illinois. Vehicles with more horsepower, a lack of modern safety features, or a track record of large liability claims will cost more to insure than more economical and safe models. The next tables features insurance prices for a handful of the most budget-friendly automobiles to insure.

Car Insurance Rates for Popular Cars in Illinois
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Chevrolet Malibu LTZ$3,506$1,753$292
Ford Focus SES 4-Dr Sedan$3,438$1,719$287
Honda Civic SI 2-Dr Coupe$4,380$2,190$365
Hyundai Elantra GLS 4-Dr Sedan$3,472$1,736$289
Hyundai Sonata GLS 4-Dr Sedan$3,502$1,751$292
Kia Optima SX$3,744$1,872$312
Nissan Altima 3.5 SR 4-Dr Sedan$3,506$1,753$292
Toyota Camry Hybrid$3,744$1,872$312
Toyota Corolla S$3,472$1,736$289
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Table data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in specific location which can decrease or increase coverage rates significantly.

Auto Insurance Rates for Popular SUVs and Crossovers in Illinois
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Cadillac Escalade Luxury Edition 4WD$4,274$2,137$356
Chevrolet Suburban LS 2WD$3,298$1,649$275
Chevrolet Traverse LS AWD$2,814$1,407$235
Ford Escape Limited 4WD$2,988$1,494$249
Ford Explorer XLT AWD$3,056$1,528$255
GMC Acadia SLT AWD$3,298$1,649$275
Honda CR-V EX-L 2WD$2,780$1,390$232
Honda Fit Sport$2,642$1,321$220
Honda Pilot EX-L 4WD$3,298$1,649$275
Hyundai Tucson GLS 2WD$3,022$1,511$252
Jeep Grand Cherokee Limited 4WD$3,506$1,753$292
Toyota Highlander Sport 2WD$3,298$1,649$275
Toyota RAV4 Sport 2WD$3,264$1,632$272
Volvo XC90 3.2 AWD$3,748$1,874$312
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Data based on single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in your specific Illinois location which can influence coverage rates greatly.

Car Insurance Rates for Popular Pickup Trucks in Illinois
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Chevrolet Silverado LS Extended Cab 4WD$3,264$1,632$272
Dodge Ram 2500 Crew Cab SLT 2WD$3,986$1,993$332
Dodge Ram 3500 Crew Cab Laramie 2WD$3,782$1,891$315
Dodge Ram Quad Cab Sport 4WD$3,778$1,889$315
Ford F-150 FX4 4WD$3,298$1,649$275
Ford F-250 XL Super Cab Cabela Turbo Diesel 4WD$4,206$2,103$351
GMC Sierra 3500HD SLT Crew Cab 2WD$3,782$1,891$315
GMC Sierra SLE Crew Cab 2WD$3,506$1,753$292
Toyota Tacoma 2WD$3,230$1,615$269
Toyota Tundra Limited Double Cab 2WD$3,744$1,872$312
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Above prices assume single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in vehicle garaging location which can revise auto insurance rates considerably.

One of the key things that influence car insurance rates is where your home is located in Illinois. More densely populated places like Chicago, Berwyn, and Evanston will most likely have higher rates, whereas areas with less crime or weather claims benefit from lower prices.

The table below ranks the highest-priced areas in Illinois for teenagers to purchase auto insurance in.

Car insurance prices in Illinois
RankCityAnnual Premium
6Des Plaines$1,236
7Oak Lawn$1,231
8Mount Prospect$1,217
12Tinley Park$1,154
14Orland Park$1,138
15Arlington Heights$1,128
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Information shown are comparative as zip code location can decrease or increase insurance rates noticeably.

Comparing quotes for cost effective car insurance is difficult, and deciding which company offers the most affordable car insurance rates for teenagers takes more quotes for comparison. Policy prices could be much more expensive than the average price in Illinois, with the extra cost attributed to the added risk related to offering insurance for teen drivers, but competitive coverage should be possible with a little diligence. Each company uses a slightly different approach to set their prices, so let’s begin by examining the most affordable car insurance companies in Illinois.

We do need to point out that Illinois car insurance rates are impacted by many factors that can increase the price of coverage. Simply improving your credit score, having a claim, or having a fender bender may generate price changes that can now make some companies more expensive than before.

Best Cheap Insurance Rates for Teens

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Cheapest Illinois car insurance ranked by price
RankCompanyCost Per Year
1The Hartford$753
2Rockford Mutual$822
5Cincinnati Insurance$915
7Utica National$975
10State Farm$1,012
16California Casualty$1,197
20State Auto$1,260
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The Hartford may have some of the best car insurance rates in Illinois at around $753 a year. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also are some of the best Illinois car insurance companies.

In the above rates, if you have coverage with Titan and switched to The Hartford, you could earn yearly savings of roughly $99. Customers with Erie might save as much as $161 a year, and Cincinnati Insurance insureds might lower prices by $162 a year.

To find out how much you can save, click here to start your free quote or click several companies below for low rates.

Remember that these premium estimates are averaged across all types of drivers and the different vehicles they drive and do not factor in a rate surcharge for teenagers. So the car insurance company that fits your needs best may not even be in the rate chart shown above. That emphasizes why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

Best car insurance company in Illinois

Finding the highest-rated company can be difficult considering how many companies sell insurance in Illinois. The rank data below may help you select which auto insurance companies you want to consider when comparing rates. These rankings include large, nationwide insurance companies, so smaller companies that only insure vehicles in Illinois are not factored into the list.

Top 15 Car Insurance Companies for Teenagers
CompanyValueCustomer ServiceClaimsCustomer SatisfactionA.M Best RatingOverall Score
21st Century898610088%A92.7
AAA Insurance93878887%A90.8
Liberty Mutual91919287%A90.7
Safeco Insurance90938886%A90.2
State Farm91948088%A++90.2
American Family88928388%A89.4
Titan Insurance89918386%A+89.3
Erie Insurance92908288%A+88.5
Mercury Insurance87958784%A+88.3
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Data Source: Insure.com Best Car Insurance Companies

Get discounts on Illinois auto insurance rates

Cheaper Illinois car insurance for teen driversInsurance providers that provide cheap auto insurance for teenagers in Illinois may also provide policy discounts that could potentially reduce rates by 25% or more if you meet certain criteria. Companies and some of their more popular discounts are:

Auto Insurance Discounts for Popular Insurers
DiscountAllstateProgressiveGeicoState FarmLiberty Mutual
Multiple policiesYesYesYesYesYes
Multiple vehiclesNoYesYesYesYes
Theft preventionYesYesYesYesYes
Safe vehicleYesNoYesYesYes
Air bagsYesNoYesYesYes
Newer vehicleYesNoNoYesNo
Eco vehicleYesNoNoNoYes
No accidentsYesYesYesYesNo
Defensive driverYesYesYesYesNo
Pay in fullYesYesYesNoYes
Email statementsYesYesYesNoYes
Brand loyaltyNoYesNoYesNo
Early sign-upYesNoNoNoNo
Good studentYesYesYesYesYes
Student away from homeYesYesNoYesYes
Own homeNoYesNoNoNo
Seat belt useNoNoYesNoNo
Online rate quoteNoYesNoNoNo
Teenage driverNoYesNoNoYes
Federal employeeNoNoYesNoNo
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The illustration below shows the difference between auto insurance rates with and without policy discounts. The data is based on a female driver, no claims or violations, Illinois state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with continuous coverage, passive restraint, paid-in-full, vehicle safety, good student, and anti-theft discounts applied. When drivers take advantage of discounts, the average savings per year on car insurance for teenagers is 38% or $683.

Don’t make the mistake of not shopping around

Illinois car insurance rates are based on many factors that can increase the price of your policy. Simply having another birthday, buying higher coverage limits, or having an accident can cause premium changes that can cause some rates to be more affordable than before.

And not only may your rating factors change, but car insurance companies change rates as often as every quarter as an adjustment for underwriting gains or losses. Higher than normal claim frequency or severity can result in increased rates, while a better claims history may cause lower-cost Illinois car insurance rates.

For instance, the data below compares the cheapest car insurance in Illinois for a 40-year-old female driver with a clear driving record, no claims, and good financial standing. When comparing rates based on her current situation, The Hartford quotes the most affordable car insurance rates in Illinois at $769 a year. This is $580 less than the average policy premium paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are also included in the cheapest Illinois auto insurance companies.

In the next rate comparison, we’ll give the driver from the first example an accident claim, bad credit, and a speeding ticket. Since every insurance provider has a proprietary method for determining rates in each state, getting updated rate quotes most likely will result in a significantly different list of affordable companies as shown below.

USAA now has the lowest price on auto insurance in Illinois with SECURA, Travelers, State Farm, and Auto-Owners completing the list. This demonstrates why Illinois drivers need to take the time to shop around when trying to get the most economical car insurance quotes for teenagers. Rates are made up of many factors and can change substantially, so the lowest-price company two years ago may now be an over-priced policy.

How to find cheap auto insurance for teenagers in Illinois

Below you’ll find many penny-pinching suggestions that can help Illinois drivers locate cheap car insurance.

  • Speeding tickets and other violations increase rates
  • Buy a safer vehicle
  • Maintain a safe distance and avoid accidents
  • Save money by insuring older vehicles for liability only
  • Raise comprehensive and collision coverage deductibles
  • Higher credit scores can equal lower rates
  • Compare prices frequently to find the best deal

That final tip is extraordinarily valuable, as was pointed out in this piece. Car insurance rates in Illinois change constantly, so don’t hesitate to switch carriers if a more affordable rate is found.

Loyalty to a specific company is fine, but is isn’t recommended if that faithfulness ends up costing you hundreds of dollars year after year. In less than five minutes you could shop around to find cheaper insurance for teenagers.

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