After thoroughly evaluating 34 insurance companies, NerdWallet’s editorial team has put together a list of the best car insurance in Illinois. We base our star ratings on important factors like coverage and discount options, customer satisfaction and financial strength.
These companies offer the best car insurance in Illinois:
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
The best car insurance companies in Illinois
Here’s our list of the best auto insurance in Illinois for different categories, plus what makes them the best.
Travelers
5.0
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Travelers
5.0
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Why it’s the best
Out of 34 eligible car insurance companies in Illinois, Travelers earned the highest overall score. Our star ratings reward companies for customer-first features and practices, so this category represents the best overall choice for drivers who want a well-rounded insurance company.
Travelers offers two different accident forgiveness plans for qualifying drivers. And as one of the largest insurers in the country, Travelers also offers a wide range of discounts and coverage types.
Best for customer complaints
Acuity
4.5
Discounts
Average set of discounts
Ease of use
Average
NAIC complaints
Far fewer than expected
Best for customer complaints
Acuity
4.5
Discounts
Average set of discounts
Ease of use
Average
NAIC complaints
Far fewer than expected
Why it’s the best
Acuity is the best car insurance company for Illinois drivers when it comes to customer satisfaction. The company received fewer complaints to state regulators than expected for a company of its size. This is based on a comparison across auto insurers in Illinois with a NerdWallet 4.5-star rating or higher.
In addition to maintaining a low number of customer complaints, Acuity also gives customers access to a wide range of coverage types as well as highly rated mobile apps on Apple and Android devices.
State Farm
5.0
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
State Farm
5.0
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Why it’s the best
State Farm is the best car insurance company in Illinois for ease of use. State Farm customers can manage their policy and submit claims online, and the mobile app has excellent user ratings for both iOS and Android devices. As the country’s largest auto insurance company, State Farm also offers a long list of coverage types and insurance policies.
Looking for the lowest auto insurance rates in your state? The Hanover has the cheapest average full coverage rate in Illinois. To find other low-cost options, check out NerdWallet’s list of the cheapest car insurance in Illinois.
Full list of the best car insurance companies in Illinois
If you’re looking for even more options, NerdWallet analyzed 34 car insurers to find which companies offer the best car insurance in Illinois. Here are the insurers that earned a NerdWallet star rating of 4.5 or higher.
|
5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
*USAA is only available to military, veterans and their families. |
|
How to get the best car insurance in Illinois
Still not sure which company to go with? Try these tips:
-
Assess your needs. Evaluate your own needs and preferences before deciding on a car insurance company, since everyone’s needs are different. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another may prize affordability and a well-polished mobile app.
-
Do your research. While the companies on this page represent solid choices, you may want to explore other options. Whichever insurer you go with, make sure they’re financially stable, have few customer complaints and offer the coverage you need at a competitive price. You can also check out our full list of auto insurance reviews.
-
Consider small insurance companies. Small, regional insurers may provide a better price and customer service than the big companies you see advertised on TV. You might have to recruit the help of a local independent car insurance agent to find them.
-
Shop around once a year. Make a practice of shopping for car insurance quotes about once a year — especially if price is important to you. Insurers adjust car insurance rates regularly, so a company that gave you the best rate last year might no longer be a bargain this year. Be sure to get quotes from at least three insurers, and for the most accurate comparison, use the same or similar coverage options and deductibles while shopping around.
How we found the best car insurance in Illinois
NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in Illinois. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change over time. In our list of the best insurers in the state, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.
Read the full article here