Best Auto Insurance for Seniors in Illinois (Top 10 Companies Ranked for 2024)

The best auto insurance for seniors in Illinois comes from The Hartford, Allstate, and State Farm, offering the cheapest rates starting at $18/month.

The Hartford stands out with competitive rates, tailored policies, and superior customer service. These top ten best Illinois auto insurance companies offer great options for seniors, focusing on infrequent drivers and comprehensive coverage.

Discover why these companies are the best choices for your auto insurance needs and compare cheap senior auto insurance rates by entering your ZIP code above into our free quote tool.

#1 – The Hartford: Top Overall Pick

Pros

• Tailored Policies: The Hartford offers insurance plans specifically designed for Illinois senior drivers, including lower rates for infrequent drivers. Read more in our The Hartford review.
• Comprehensive Coverage Options: Provides a range of coverage options that are ideal for seniors in Illinois, ensuring all their driving needs are met.
• Specialized Discounts: Seniors in Illinois can benefit from special discounts that The Hartford offers, which are tailored to their age group and driving habits.

Cons

• Limited Availability: The Hartford’s specialized senior auto insurance policies are only available to Illinois AARP members.
• Higher Premiums: The Hartford is the most expensive IL senior auto insurance company on this list at $85/month for minimum coverage.

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#2 – Allstate: Best for Infrequent Drivers

Pros

• Affordable Rates for Infrequent Drivers: Allstate Milewise and Milewise Unlimited help low-mileage senior drivers save money on IL auto insurance.
• Flexible Coverage: Provides flexible coverage options that cater to the needs of seniors in Illinois who may not drive often, which you can learn about in our Allstate review.
• Customer Support: Allstate has a strong reputation for customer support for seniors in Illinois who may have specific needs.

Cons

• Potentially Higher Costs for Frequent Drivers: Seniors who drive more frequently may find Allstate to be more expensive than other Illinois auto insurance companies.
• Limited Customization: While great for infrequent drivers, Allstate’s policies may not offer as much customization for seniors in Illinois who have unique coverage needs.

#3 – State Farm: Best Customer Service

Pros

• Excellent Customer Service: State Farm is known for its exceptional customer service, which is beneficial for seniors in Illinois who may need more assistance.
• Personalized Service: Offers personalized service that caters to the specific needs of seniors in Illinois, including easy-to-reach agents and tailored advice.
• Local Agents for Seniors: State Farm has a large network of local agents in Illinois, making it easier for seniors to get face-to-face assistance. For a complete list, read our State Farm review.

Cons

• Low Financial Ratings: State Farm’s financial grade of B is lower than other Illinois senior auto insurance companies.
• Limited Online Resources: Seniors in Illinois who prefer online interactions might find State Farm’s digital resources less comprehensive compared to other providers.

#4 – Geico: Best for Cheap Rates

Pros

• Low Premiums: Geico offers the cheapest senior auto insurance in Illinois starting at $18/month for minimum coverage. Compare free quotes in our review of Geico.
• Discounts for Seniors: Geico provides various auto insurance discounts for seniors in Illinois, including those for defensive driving and bundling.
• Easy Claims Filing: Senior drivers in Illinois can file Geico insurance claims directly from the mobile app.

Cons

• Limited Specialized Coverage: Geico’s focus on low rates may result in less specialized coverage options for seniors in Illinois.
• Customer Service Challenges: Seniors in Illinois might find Geico’s customer service less personalized compared to other companies with a stronger focus on senior needs.

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#5 – Liberty Mutual: Best Customizable Policies

Pros

• Customizable Policies: Liberty Mutual offers highly customizable policies, allowing seniors in Illinois to tailor their coverage to specific needs.
• Flexible Coverage Options: Provides a range of coverage options that can be adjusted to suit the unique requirements of seniors in Illinois.
• Adaptable Discounts: Offers adaptable discounts that can be tailored for seniors in Illinois based on their specific driving habits and needs, which you can learn about in our Liberty Mutual review.

Cons

• Potential Complexity: The high level of customization may be overwhelming for some seniors in Illinois who prefer simpler insurance options.
• Possible Higher Costs: Customizable policies might come at a higher cost, which could be a disadvantage for budget-conscious seniors in Illinois.

#6 – Farmers: Best Senior Insurance Discounts

Pros

• Generous Discounts: Farmers provides more senior insurance discounts in Illinois than any other company. Check out the list in our Farmers review.
• Special Discounts for Safe Driving: Drivers over 55 are eligible for discounts on senior auto insurance in Illinois if they take an approved defensive driving course.
• Bundling Discounts: Seniors in Illinois can take advantage of bundling discounts when combining auto insurance with other policies.

Cons

• Discount Availability May Vary: The availability and amount of discounts may vary based on location and personal driving history, which could affect some seniors in Illinois.
• Complex Discount Structure: The various discount options might be complicated to navigate, potentially confusing seniors in Illinois.

#7 – Progressive: Best Budgeting Tools

Pros

• Helpful Budgeting Tools: Progressive offers budgeting tools that are useful for senior drivers who want to manage their Illinois auto insurance costs effectively.
• Easy-to-Use Online Resources: Provides user-friendly online tools that help seniors in Illinois keep track of their insurance expenses.
• Usage-Based Savings: Features like Snapshot can help seniors in Illinois find ways to save on their insurance premiums. Read our Progressive Snapshot review to learn what else is offered.

Cons

• Potential Learning Curve: Seniors in Illinois might find the budgeting tools complex or challenging to use initially.
• Focus on Technology Over Personal Service: Progressive’s emphasis on online tools may detract from personal service, which some seniors in Illinois might prefer.

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#8 – AAA: Best for Roadside Assistance

Pros

• Comprehensive Roadside Assistance: AAA provides extensive roadside assistance services, which is a major benefit for seniors in Illinois who might need extra help.
• Additional Benefits: AAA membership includes additional perks and services, such as travel discounts, which can be valuable for seniors in Illinois.
• Reliable Support: Known for reliable emergency support, which is crucial for seniors in Illinois who might need assistance while on the road, which you can read more about in our review of AAA.

Cons

• Higher Premiums: AAA auto insurance for seniors in Illinois is more expensive than other companies at $78/month.
• Limited Availability: AAA car insurance is only available to senior drivers in Illinois who are members, which costs an additional annual fee.

#9 – Erie: Best for Filing Claims

Pros

• Efficient Claim Filing: Erie is known for its efficient claims process, which is beneficial for seniors in Illinois who need quick resolutions.
• Supportive Assistance: Erie is top-rated for senior auto insurance customer support and satisfaction in Illinois and surrounding states.
• Safe Driving Discounts: Senior drivers in Illinois who maintain a clean, claim-free record can save 20% on car insurance.

Cons

• Fewer Discounts: As a smaller company, Erie doesn’t offer as many senior citizen auto insurance discounts as other Illinois insurers.
• Variable Customer Experiences: Despite efficient claims, some senior drivers in Illinois report poor customer service from some local agents.

#10 – Amica: Best for Dividend Payments

Pros

• Dividend Payments: Amica offers dividend payments, which can be a valuable financial benefit for seniors in Illinois. Learn more in our Amica review.
• Lower Premiums With Dividends: Seniors in Illinois who receive dividends can potentially see lower insurance premiums over time.
• Financial Benefits: Provides a reward for safe driving and responsible insurance management, which is beneficial for seniors in Illinois.

Cons

• Varying Dividend Payments: Dividends are not guaranteed and may vary, which can be uncertain for seniors in Illinois.
• Possible Complexity: The structure of dividend payments may be complicated, which could be challenging for some seniors in Illinois to understand.

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Illinois Senior Citizens’ Monthly Auto Insurance Premiums

What is the average auto insurance cost per month? For seniors in Illinois, monthly auto insurance rates vary widely. Geico offers the lowest rates, with minimum coverage at $18 and full coverage at $46, while AAA and The Hartford have the highest rates, with minimum coverage at $78 and $85, and full coverage at $150 and $160, respectively.

The top factors affecting auto insurance rates for Illinois seniors are where they live in the state and their driving records. Vehicle make and model and coverage levels will also impact rates. Understanding these factors can help seniors find the most cost-effective policies:

• Driving History: Seniors with a history of accidents or traffic violations may face higher premiums, while lower annual mileage can reduce insurance costs due to decreased accident risk.
• Vehicle Type: Luxury or sports cars usually cost more to insure, whereas standard or older vehicles may be cheaper, with advanced safety features often leading to discounts.
• Coverage Levels: Minimum liability coverage is the most affordable but offers limited protection, while full coverage provides broader protection but at a higher cost.
• Location: Big cities have more traffic and higher crime rates, which is why Chicago auto insurance for seniors costs more than other areas in the state.

By carefully evaluating these factors, seniors can effectively manage their auto insurance costs and tailor their coverage to better suit their individual needs.

Lowering Auto Insurance Costs for Seniors in Illinois

Seniors can save on auto insurance through discounts for safe driving, bundling with other policies, and usage-based programs that reward low mileage and good driving habits.

The Hartford offers exclusive savings for senior drivers as well as discounts for safe driving, multi-policy bundles, and more. These are the best The Hartford auto insurance discounts to ask for.

Exploring usage-based policies can also lead to significant discounts and savings, especially for seniors who practice safe driving habits or don’t drive often. This type of cheap usage-based insurance rewards senior drivers with rates based on how often they drive.

Allstate and State Farm both offer cheap pay-as-you-go auto insurance in Illinois, but State Farm will reduce your discount for speeding and hard braking. Allstate, on the other hand, bases senior car insurance rates on mileage. Check out how it works below:

By comparing rates and taking advantage of discounts, seniors in Illinois can secure the best auto insurance coverage for their needs while managing costs effectively.

Case Studies: Customizing Senior Auto Insurance in Illinois

As seniors in Illinois navigate their retirement years, finding the right auto insurance tailored to their unique needs becomes crucial. These case studies demonstrate that with the right provider and policy, senior drivers in Illinois can find the best auto insurance solutions:

• Case Study #1 – The Infrequent Drivers: John and Mary, with a 2015 Camry, secured affordable IL senior auto insurance at $25/month from Allstate Milewise, saving $300 with discounts and accident forgiveness.
• Case Study #2 – The Budget-Conscious Retiree: Susan, 68, a retired teacher on a fixed income, reduced her auto insurance costs with Geico using discounts for safe driving, good credit, and senior status.
• Case Study #3 – The Comprehensive Coverage Seeker: Robert, 72, who enjoys road trips and lives in Chicaago secured comprehensive coverage with The Hartford at $85/month, benefiting from AARP and clean driving discounts.

By leveraging discounts and choosing coverage that fits their driving habits, seniors can achieve both financial savings and the assurance of being well-protected on the road.

What are the recommended auto insurance coverage levels? Seniors should carry enough coverage to meet Illinois requirements. If you drive often, consider full coverage to insure against these risks and more.

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Finding Affordable Auto Insurance for Seniors in Illinois

The Hartford, Allstate, and State Farm are top choices for the best auto insurance for seniors in Illinois, with significant discounts available for clean driving records and multi-policy bundles.

Seniors can lower auto insurance costs by comparing quotes, increasing deductibles, and considering usage-based policies. Understanding factors that affect insurance rates, like driving history and coverage levels, helps in making informed decisions to find the best and most affordable senior insurance coverage.

 Enter your ZIP code below to find cheap auto insurance rates in Illinois for seniors.

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