Auto insurance coverage
When you invest in car insurance in Illinois, you are protecting yourself from unexpected financial loss. Our coverage options include:
- Collision coverage
- Comprehensive coverage
- Medical payments coverage
- Bodily injury coverage
- Property damage liability
- Uninsured and underinsured motorist coverage
Additional auto coverage you should consider:
- Roadside assistance
- Rental car coverage
- Windshield replacement coverage
Learn more about our car insurance coverages.
How much is car insurance in Illinois?
Have you ever thought about how much auto insurance in Illinois is? According to NerdWallet, the average car insurance cost can vary but on average ranges from $934 - $1927 per year as of February 2024.¹ Several factors can influence car insurance rates, but the top three cost factors are typically:
- Driving record: Your driving history plays a crucial role. Accidents, tickets, and other violations can result in higher premiums.
- Age and gender: Younger, inexperienced drivers often face higher rates. Gender can also be a factor, as some statistics suggest that young males may have higher accident rates.
- Coverage and deductibles: The type and amount of coverage you choose and your deductible (the amount you pay before insurance kicks in) can significantly impact your rates.
What is the cheapest car insurance?
Your experience is altogether different when you know you’ve chosen a company with people who are genuinely dedicated to your success. Having a dedicated team of experts who develop customized plans for each client will give you peace of mind, but knowing you’re protected through the entire process will provide you with the support you need to make the best decision.
You’ll notice the difference the second you pick up the phone. Our reps are different. They treat you like family. They ask you pertinent questions to uncover the types of car insurance coverage you need. You'll undertsand what you're getting because they'll role-play scenarios. You'll be valued and they'll advocate for what’s best for you; they don’t just sell you a package.
The convenience of us covering your financial and insurance needs while giving you the latest options in protection products, especially built to look out for you, is a reason to check us out. Knowing our services are innovative and offer what you truly need, 53% more than our competitor’s average², is more than a reason to stay.
Car insurance discounts
There are many discounts to help you save on auto insurance policy. Illinois auto insurance discounts3 range from different types of policies, driver histories, or even safety. So many things affect your ability to save on Illinois car insurance.
- Multi-Policy discount: Multi-Policy discounts happen when a discount is given when someone opts to bundle auto and home insurance together.
- Safety discounts: Some auto car discounts are specifically for teen drivers, defensive drivers, or people who equip their vehicles with anti-theft devices. Our DriverIQ Program uses smartphone app technology to give you feedback on your driving and can save you up to 25%.
- Driver discounts: We offer driver discounts for full-time students with a 3.0 GPA or higher, as well as good driver discounts for drivers who have remained accident-free for a specific amount of time, and more!
See all our car insurance discounts.
Car insurance for teens
Yes, it’s rather tricky to insure teenagers. Here at COUNTRY Financial we’ve got you covered. There’s always a plethora of options for auto insurance for teens; the trouble is choosing which one and understanding what you need and why you need it based on your individual circumstances.
Read more about car insurance for teenagers.
Is car insurance required?
Yes, every driver in Illinois must have insurance before driving. The state requires minimum levels of bodily injury and property damage liability coverage.
- Bodily injury liability: Bodily injury liability pays for injuries to others in an accident caused by you.
- Property damage liability: Property damage liability pays for damage to property of others in an accident caused by you.
Car insurance in Illinois
At COUNTRY Financial, we proudly serve car owners in various cities in Illinois. While these are just some of the areas we do business in, we have an extensive state network with more flexible coverage than most car insurance companies.
Ready to start a car insurance quote?
Start online, find a local rep, or call us at 866-COUNTRY (866-268-6879). We'll help you find the car insurance that works for you.
¹Cheapest Car Insurance in Illinois, NerdWallet - February 2024
2Identified in 2022 Value Prop Research
3Discounts and availability vary by state.
COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.
Auto insurance policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Preferred Insurance Company® and COUNTRY Casualty Insurance Company®, Bloomington, IL.
For product and service information, read our Terms & Conditions.