Cheap Gap Insurance in Illinois for 2025 (10 Most Affordable Companies)
Amica, The Hartford, and Progressive lead the way for cheap gap insurance in Illinois. Amica is the best gap insurance provider with rates starting at just $8/month. The Hartford stands out as the top pick for seniors, and Progressive's competitive loyalty rewards lower Illinois gap insurance cost over time.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Feb 19, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 19, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
768 reviewsCompany Facts
Gap Insurance in Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
768 reviews
765 reviewsCompany Facts
Gap Insurance in Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
765 reviews
13,128 reviewsCompany Facts
Gap Insurance in Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
Amica, The Hartford, and Progressive are the best choices for cheap gap insurance in Illinois to protect drivers from financial gaps in their vehicle loans.
Do you want to know how much gap insurance is? These providers have the best Illinois auto insurance for new and leased vehicles at affordable rates.
Our Top 10 Company Picks: Cheap Gap Insurance in Illinois
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $8 | A+ | Customer Service | Amica |
 | #2 | $10 | A++ | Senior Drivers | The Hartford |
 | #3 | $11 | A+ | Loyalty Rewards | Progressive |
 | #4 | $12 | A+ | Local Agents | Allstate |
 | #5 | $13 | B | Claims Service | State Farm |
 | #6 | $15 | A | Costco Members | American Family |
 | #7 | $16 | A | Insurance Discounts | Farmers |
 | #8 | $17 | A++ | Financial Strength | Travelers |
 | #9 | $19 | A+ | Vanishing Deductible | Nationwide |
 | #10 | $21 | A | Affinity Discounts | Liberty Mutual |
The Hartford offers low rates to senior drivers, while Amica and Progressive stand out from the top gap insurance providers through their loyalty discounts.
Stop overpaying – use our gap insurance quote comparison tool to find car insurance companies with gap coverage.
- Gap insurance in Illinois prevents financial loss if your new car is totaled
- Amica has the cheapest Illinois gap insurance rates for $10 monthly
- The Hartford has the best gap insurance for seniors in Illinois
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#1 – Amica: Top Overall Pick
Pros
- Affordable Premiums: When you compare gap insurance prices, Amica is the cheapest gap insurance company in Illinois for minimum coverage and full coverage with gap.
- Exceptional Claims Service: Amica is the best company for gap insurance in Illinois based on claims satisfaction in annual J.D. Power surveys. Get full ratings in our Amica auto insurance review.
- Loyalty Discounts: Amica rewards Illinois drivers who remain customers for at least two years, and the gap insurance discount grows with each policy renewal.
Cons
- Fewer Discounts: When you compare gap insurance, Amica doesn’t offer as many discounts as other best stand-alone gap insurance providers in Illinois.
- Regional Availability: If you move away from Illinois, you might have difficulty finding Amica gap insurance in other states.
#2 – The Hartford: Cheapest for Seniors
Pros
- Competitive Pricing: The Hartford has cheap gap insurance in Illinois starting at $10 per month. Compare free quotes in The Hartford auto insurance review.
- Senior Driver Benefits: The Hartford gap insurance includes exclusive benefits for senior drivers such as educational tools, policy packages, and defensive driver discounts.
- Wide Range of Discounts: Among gap insurance price comparison results, The Hartford stands out with numerous discounts for safe drivers, first responders, and multiple vehicles.
Cons
- Conditional Availability: As part of the best gap insurance providers, The Hartford’s access is limited to seniors with AARP memberships.
- Small Bundling Discount: Despite offering the best gap insurance deals overall, The Hartford only offers 5% off when you bundle with a home or renters policy.
#3 – Progressive: Best Loyalty Rewards
Pros
- Cheap Gap Insurance: Progressive’s gap insurance cost starts at $11 per month in Illinois. Compare prices and more in our Progressive auto insurance review.
- Loyalty Rewards: As a leader in best value for gap insurance, Progressive rewards drivers with increasing benefits after their first policy renewal.
- Accident Forgiveness: Progressive gap insurance in Illinois includes small accident forgiveness, helping to protect drivers from premium increases after their first minor accident.
Cons
- Coverage Limitations: When you compare gap insurance, Progressive may have maximum coverage limits that might not suit all drivers.
- Occasional App Issues: Some users have reported experiencing issues with Progressive’s mobile app, affecting their ability to manage Illinois gap insurance effectively.
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#4 – Allstate: Best for Local Agents
Pros
- Discount Opportunities: Various discounts are available, making Allstate gap insurance in Illinois more affordable for eligible drivers. Read more in our Allstate auto insurance review.
- Personalized Service: Allstate gap insurance agents in Illinois make policy adjustments and claims filing more straightforward for customers.
- Strong Financial Standing: The A+ rating by A.M. Best guarantees financial robustness and dependable claims management for Illinois gap insurance.
Cons
- Higher Premium Rates: Allstate’s gap insurance cost in Illinois starts at $12 per month, which is higher than many competitors on our list.
- Strict Discount Requirements: Discounts on Illinois gap insurance can be obtained by fulfilling certain requirements, which might restrict savings for certain drivers.
#5 – State Farm: Best Claims Service
Pros
- Rapid Claims Processing: State Farm is among the top five in Illinois gap insurance claims satisfaction for speedy processing and responsive agents.
- High Customer Approval: Gap insurance reviews by State Farm have high customer satisfaction ratings, reflecting positive experiences with its gap insurance products in Illinois.
- Personalized Local Agent Service: Local agent access offers customized, in-person service for Illinois gap insurance, increasing customer satisfaction.
Cons
- Moderate Financial Rating: The B rating from A.M. Best may not inspire as much confidence as higher-rated gap insurance providers in IL. Learn more in our State Farm auto insurance review.
- Limited Customization Flexibility: State Farm has fewer options for customizing gap insurance in Illinois policies compared to some of its competitors.
#6 – American Family: Cheapest for Costco Members
Pros
- Exclusive Costco Discounts: American Family offers special discounts on gap insurance in Illinois for Costco members, providing added savings.
- Solid Financial Rating: With an A rating from A.M. Best, it’s a reliable choice for handling gap insurance claims. Read our American Family auto insurance review to find out more.
- Customer-Focused Approach: American Family prioritizes customer satisfaction, which is reflected in positive feedback for its gap insurance in Illinois services.
Cons
- Higher Price Point: At $15 per month, American Family gap insurance in Illinois is pricier than many competitors, which may deter cost-sensitive customers.
- Discount Limitations: Only certain customers, such as Costco members, can access specific discounts on gap insurance in Illinois, restricting savings opportunities.
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#7 – Farmers: Cheapest With Discounts
Pros
- Variety of Policy Discounts: Farmers provides more discounts on Illinois gap insurance than any other company on this list. These are the best Farmers auto insurance discounts.
- Experienced Agents: Access to experienced agents assists motorists in managing their gap insurance in Illinois, including professional guidance and assistance.
- User-Friendly Digital Tools: Farmers provides simple-to-use online tools to manage gap insurance in Illinois, policy changes, and filing of claims.
Cons
- Average Customer Satisfaction: Farmers’ gap insurance customer satisfaction ratings in Illinois are average.
- Higher Cost: Farmers gap insurance is pricier than some other Illinois companies except when you get discounts.
#8 – Travelers: Best Financial Strength
Pros
- Excellent Financial Rating: A M. Best A++ rating reflects Travelers’ financial condition, providing assurance of dependability for gap insurance in Illinois.
- Extensive Coverage Options: Travelers has a broad selection of coverage plans, making its gap insurance in Illinois adaptable to various needs. Learn more in our review of Travelers auto insurance.
- Convenient Online Management: Travelers’ online tools make it convenient to manage gap insurance in Illinois online, with easy policy updates and claims processing..
Cons
- Generalist Approach: Travelers is not exclusively committed to gap insurance in Illinois, so the extent of specialization and expertise in this niche may be limited.
- Low Claims Satisfaction:Travelers gap insurance is low in Illinois for claims satisfaction.
#9 – Nationwide: Cheapest With Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide offers a unique vanishing deductible option for gap insurance in Illinois, rewarding safe drivers by lowering their deductibles over time.
- Multiple Discounts Available: Discounts for safe driving, multi-policy, and insuring multiple vehicles make Nationwide gap insurance in Illinois more affordable.
- Widespread Availability: If you leave Illinois, you can bring your Nationwide gap insurance policy to multiple states. Compare coverage in our Nationwide auto insurance review.
Cons
- Higher Premiums: Nationwide gap insurance in Illinois starts at $19 per month, which is on the higher end compared to some competitors.
- Limited Digital Management: The digital tools offered by Nationwide for managing Illinois gap insurance are less advanced compared to other leading providers.
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#10 – Liberty Mutual: Cheapest With Affinity Discounts
Pros
- Affinity Discounts: Liberty Mutual offers various affinity discounts on gap insurance in Illinois. To see monthly premiums, read our Liberty Mutual auto insurance review.
- Strong Financial Standing: With an A rating from A.M. Best, Liberty Mutual is a dependable option for gap insurance in Illinois, ensuring claims are handled efficiently.
- Comprehensive Online Tools: An easy-to-navigate website and app makes managing gap insurance in Illinois with Liberty Mutual simple and convenient.
Cons
- Higher Premium Costs: Starting at $21 per month, Liberty Mutual gap insurance in Illinois is more expensive than many other providers.
- Eligibility for Discounts: The availability of affinity discounts on cheap gap insurance in Illinois may be limited to specific groups, excluding some customers.
Where to Get Cheap Gap Insurance Rates in Illinois
The following table provides an overview of the monthly rates for both minimum and full coverage gap insurance from the best gap insurance companies in Illinois:
Illinois Gap Insurance Rates by Provider
| Insurance Company | Monthly Rates |
|---|---|
| $12 |
| $15 |
| $8 |
| $16 |
| $21 |
| $19 |
| $11 |
| $13 |
| $10 |
| $17 |
Is gap cheap from these providers? Amica offers the lowest rates, starting at just $10 per month for minimum coverage and $30 per month for full coverage. On the other end, Allstate’s gap insurance is priced higher, with minimum coverage at $32 per month and full coverage reaching $75 per month, reflecting its extensive personalized service.
Gap insurance reviews easily show The Hartford and Progressive’s competitive rates and loyalty discounts for specific drivers. Gap insurance with Progressive has loyalty rewards for young drivers who renew their policies after six months, making it the best company for cheap teen auto insurance in Illinois.
Several factors determine the cost of gap insurance in Illinois. Vehicle type is key — higher-value or rapidly depreciating cars usually lead to higher premiums.
Consistently comparing gap insurance quotes from providers who offer gap insurance guarantees competitive pricing and may reveal unique discounts you qualify for based on age, driving history, and other factors.
Auto Insurance Discounts from the Top Providers for Gap in Illinois
| Insurance Company | Available Discounts |
|---|---|
| Bundling, Safe Driving, Early Signing, Bundling |
| Bundling, Safe Driving, Vehicle Safety Features, Early Signing |
| Driving Behavior-Based Discounts, Safe Driving, Referral |
| Bundling, Safe Driving, Good Student, Bundling |
| Bundling, Safe Driving, Vehicle Safety Features, Early Signing |
| Bundling, Safe Driving, Vehicle Safety Features, Accident-Free |
| Bundling, Safe Driving, Good Student, Homeowner |
| Bundling, Safe Driving, Good Student, Vehicle Safety Features |
| Bundling, Safe Driving, Good Student |
| Bundling, Safe Driving, Good Student, Homeowner |
Illinois drivers can get low-cost gap insurance premiums, with discounts for enrolling in safe driving courses, bundling multiple policies, and reducing mileage.
Illinois Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Discount Availability | A- | Strong availability for good drivers and multi-policy holders |
| Customer Satisfaction | B+ | Generally positive feedback, especially on claims handling |
| Average Premiums | B | Slightly above the national average for most drivers |
| Regional Variation | B- | Urban areas like Chicago have significantly higher rates |
| Premiums for High-Risk Drivers | C+ | Higher premiums for drivers with accidents or violations |
A clean driving record is of the utmost importance, as it has a direct impact on premium rates. Illinois auto insurance companies check driving records, and safer drivers are less risky on the road and tend to get cheaper gap coverage than drivers with accidents or speeding tickets.
The best way to get cheap gap insurance in Illinois is to adjust your coverage levels to meet the current value of your vehicle. This is particularly important for older vehicles that may not need comprehensive or collision coverage.
Illinois Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Good Driver | A | 22% | State Farm, Geico, Allstate, Progressive |
| Good Student | A | 17% | Liberty Mutual, State Farm, Allstate |
| Bundling | A- | 20% | Nationwide, Liberty Mutual, USAA |
| Defensive Driving | B+ | 12% | The Hartford, Geico, Allstate |
| Low Mileage | B | 8% | Progressive, Nationwide, Travelers |
Additionally, selecting higher deductibles can result in immediate premium savings. However, this approach also elevates out-of-pocket expenses if you ever need to file an auto insurance claim.
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Understanding the Most Frequent Auto Insurance Claims in Illinois
In Illinois, collision claims make up the largest portion, followed by comprehensive, property damage, bodily injury liability, and personal injury protection (PIP) insurance claims. Each claim type varies in both frequency and average cost, highlighting the importance of comprehensive coverage.
5 Most Common Auto Insurance Claims in Illinois
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 33% | $3,800 |
| Comprehensive | 22% | $2,500 |
| Property Damage | 18% | $4,100 |
| Bodily Injury Liability | 17% | $14,000 |
| Personal Injury Protection (PIP) | 10% | $9,500 |
Illinois sees thousands of accidents and insurance claims annually, especially in its most populated areas. Cities like Chicago, Aurora, and Naperville report significant numbers of accidents and claims each year, with Chicago leading by a large margin.
Illinois Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Aurora | 3,600 | 2,700 |
| Chicago | 12,500 | 9,300 |
| Naperville | 3,200 | 2,400 |
| Rockford | 2,900 | 2,100 |
| Springfield | 2,100 | $1,700 |
Knowing where to purchase gap insurance and reviewing these figures can help drivers better understand risk levels in different areas of the state. Make a gap insurance comparison for your car to ensure you have the right coverage to protect against these common claims.
The Leading Gap Insurance Providers in Illinois
Amica, The Hartford, and Progressive offer cheap gap insurance in Illinois with exclusive discounts for long-term customers. Together, these top auto insurance providers that offer gap coverage showcase a robust spectrum of choices in Illinois, ensuring that every driver can find the best gap insurance policy.
Based on Progressive’s gap insurance reviews, it offers flexible policies and a range of discounts that reward safe driving and customer loyalty, making it ideal for families who need to insure teen drivers. The Hartford excels with the best auto insurance for seniors in Illinois and exclusive discounts for AARP members.
Amica stands out in Illinois by combining affordable gap insurance with quality service and a quick claims process that enhances customer satisfaction.Kristen Gryglik Licensed Insurance Agent
Avoid expensive Illinois auto insurance premiums by entering your ZIP code to see the top gap insurance companies that have the cheapest rates for you.
Frequently Asked Questions
Is Illinois gap insurance actually worth it?
Yes, gap insurance in Illinois is worth it if you owe more on your vehicle than its current market value and Amica is the best place to get gap insurance.
How much does gap insurance cost in Illinois?
Gap insurance costs in Illinois vary by provider, with rates typically starting around $10 per month. Enter your ZIP code to see how much gap insurance costs near you.
Is gap insurance mandatory in Illinois?
No, gap insurance is not mandatory in Illinois but is recommended for leased or financed vehicles. For those asking what is the best gap insurance, scroll through the minimum auto insurance requirements by state to see how much coverage you need and where to buy gap insurance.
Can gap insurance in Illinois be purchased later?
Yes, gap insurance in Illinois can be added later, typically within the first few years of new vehicle ownership.
Does Illinois gap insurance pay off a loan?
Yes, gap insurance in Illinois is designed to pay the difference between the vehicle’s value and the remaining loan balance if totaled.
How do I calculate gap insurance in Illinois?
For those asking “how much does gap insurance cost per month”?, most calculators subtract the car’s current value from your remaining loan balance to determine potential coverage needs.
Will gap insurance in Illinois cover a blown engine?
Does auto insurance cover engine failure? No, Illinois gap insurance does not cover engine failures or other mechanical breakdowns; it only activates in total loss situations.
Does gap insurance in Illinois cover mechanical failure?
No, when you compare gap insurance for cars, note that it does not cover mechanical failures or repairs. You need a vehicle warranty or mechanical breakdown insurance to cover those events.
What are the cons of gap insurance in Illinois?
When looking at best gap insurance reviews, cons include paying for coverage you may not need if your loan balance quickly aligns with the car’s value.
Should I drop my gap insurance in Illinois?
If you’re wondering “how much is gap coverage?”, consider dropping it once your loan balance is less than the car’s market value to avoid unnecessary costs.
How do I start an Illinois gap insurance claim?
To file an auto insurance claim on Illinois gap coverage, contact your insurer online or over the phone with the claim details as soon as the accident or incident happens.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.