Cheapest Teen Driver Auto Insurance in Illinois (Top 9 Companies for Savings in 2025)
The top providers for the cheapest teen driver auto insurance in Illinois are State Farm, Liberty Mutual, and Travelers. Teenage auto insurance rates start at $150/month. State Farm excels in customer service and claims satisfaction and offers a Steer Clear driving program for cheap car insurance for young drivers.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Mar 29, 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: Mar 29, 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.
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1,733 reviewsThe top providers for the cheapest teen driver auto insurance in Illinois are State Farm, Liberty Mutual, and Travelers, offering competitive rates starting at $150 per month and exceptional customer service.
These leading companies offer affordable car insurance for teenagers, customizable policies, and options for bundling coverage for additional discounts.
Our Top 9 Company Picks: Cheapest Teen Driver Auto Insurance in Illinois
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $150 | B | Customer Service | State Farm |
 | #2 | $156 | A | Customizable Policies | Liberty Mutual |
 | #3 | $188 | A++ | Bundling Policies | Travelers |
 | #4 | $210 | A | Roadside Assistance | AAA |
 | #5 | $256 | A+ | Accident Forgiveness | Nationwide |
 | #6 | $282 | A | Costco Members | American Family |
 | #7 | $362 | A+ | Infrequent Drivers | Allstate |
 | #8 | $375 | A | Signal App | Farmers |
 | #9 | $388 | A+ | Qualifying Coverage | Progressive |
By choosing the best Illinois auto insurance for teens, you secure both value and comprehensive protection.
Enter your ZIP code into our free quote tool above to find the cheapest teen driver auto insurance in Illinois for your needs.
- State Farm offers the cheapest car insurance for teens in Illinois
- Top-rated Illinois auto insurance companies offer coverage at $150 a month
- Customizable policies and bundling options lower IL teen insurance rates
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#1 – State Farm: Top Overall Pick
Pros
- Outstanding Customer Support: State Farm, known for excellent customer service, offers a smooth experience for teen driver auto insurance in Illinois. Learn more in our State Farm review.
- Affordable Entry-Level Rates: State Farm provides one of the cheapest insurance for young drivers in Illinois at $150 per month.
- Good Discounts: State Farm offers discounts for safe driving and good grades, reducing the cost of teen driver auto insurance in Illinois.
Cons
- Fewer Digital Tools: State Farm’s fewer digital tools may deter tech-savvy teens and parents seeking the cheapest car insurance for young drivers in Illinois.
- Additional Costs for Enhanced Coverage: If more extensive coverage is desired, the additional costs might diminish the appeal of the cheapest teen driver auto insurance in Illinois.
#2 – Liberty Mutual: Best for Customizable Policies
Pros
- Innovative Coverage Options: Provides customizable policy features specifically designed to address the unique risks associated with teen driver auto insurance in Illinois.
- Flexible Policy Design: Liberty Mutual offers customizable policies for teen driver auto insurance in Illinois, allowing families to tailor coverage to their needs.
- Generous Discount Opportunities: Liberty Mutual’s discounts for good grades and driving habits help get cheap car insurance for teens in Illinois. Read our Liberty Mutual review for a full list.
Cons
- Slower Claims Processing: Liberty Mutual’s claims processing can be slower, which may be inconvenient for teen driver auto insurance in Illinois.
- Complex Policy Configuration: The many options for teen auto insurance in Illinois can be overwhelming and confusing.
#3 – Travelers: Best for Bundling Policies
Pros
- Multi-Policy Discounts: Bundling policies cuts costs and simplifies managing teen driver auto insurance in Illinois, which you can read more about in our review of Travelers.
- Bundling Discounts: Travelers provides affordable car insurance for young drivers through bundling home and auto policies, which can further reduce the cost of IL teen auto insurance.
- IntelliDrive Discounts: Teens who sign up for Illinois usage-based auto insurance with Travelers IntelliDrive can get cheap auto insurance for young drivers.
Cons
- Bundling Required for Best Rates: The most significant savings are often tied to bundling policies, which may not be suitable for everyone seeking the cheapest teen driver car insurance in Illinois.
- Limited Local Presence: In some areas of Illinois, Travelers may have fewer local agents, potentially impacting personalized service for teen driver auto insurance.
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#4 – AAA: Best for Roadside Assistance
Pros
- Excellent Roadside Assistance: AAA offers valuable roadside assistance, a crucial benefit for teen drivers with auto insurance in Illinois.
- Exclusive Member Discounts: Members can benefit from extra savings on teen driver auto insurance in Illinois, making coverage more affordable. Read our AAA review to learn what else is offered.
- Reliable Emergency Support: Offers swift and reliable emergency support, a crucial advantage for teen drivers with IL auto insurance.
Cons
- Higher Rates Without Membership: Non-members might not benefit from the same level of discounts, potentially affecting the cost of car insurance for teens in Illinois.
- Limited Coverage in Some Areas: In some Illinois cities, AAA teen auto insurance may not offer as much coverage as other providers.
#5 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness Benefits: Nationwide’s accident forgiveness program helps teen drivers in Illinois by preventing premium increases after the first accident.
- Affordable Insurance Rates: It provides some of the cheapest teen driver auto insurance in Illinois, starting at $256 per month.
- Variety of Coverage Options: Nationwide offers customizable coverage options for teen driver auto insurance in Illinois, which you can learn about in our Nationwide review.
Cons
- Strict Policy Conditions: Some Nationwide teenage car insurance policy conditions may be stricter for new drivers.
- Complex Discount Eligibility: Figuring out discount eligibility can be tricky, affecting how easily you can get affordable teen driver auto insurance in Illinois.
#6 – American Family: Best for Costco Members
Pros
- Budget-Friendly Rates: American Family offers competitive rates for Illinois teen drivers starting at $282 per month.
- Discounts for Costco Members: American Family offers extra teen insurance discounts for Costco members.
- Good Coverage Options: AmFam teen insurance offers a range of plans specifically designed to meet the needs of young drivers in Illinois. Read more in our review of American Family.
Cons
- Membership Requirement: The discounts for Costco members may not be available to those who are not members, potentially affecting the overall cost of the cheapest teen driver auto insurance in Illinois.
- Premium Variations: Without membership discounts, teen driver auto insurance premiums in Illinois may be higher than competitors.
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#7 – Allstate: Best for Infrequent Drivers
Pros
- Infrequent Driver Discounts: Allstate provides discounts for infrequent drivers, helping young drivers save up to 30% on teen driver auto insurance rates in Illinois.
- Low-Mileage Programs: Allstate Milewise helps get the cheapest insurance for teens. See how much you can save on Illinois auto insurance in our Milewise review.
- Good Student Discount: Allstate’s teen driver insurance is competitive because it offers a 20% discount for students.
Cons
- Mileage Caps for Discounts: Discounts for infrequent drivers may come with mileage caps, which could be restrictive for some teen drivers in Illinois.
- Expensive Rates: Allstate teen auto insurance is more expensive than those of cheaper Illinois companies.
#8 – Farmers: Best for Signal App
Pros
- Signal App Discounts: Usage-based insurance offers discounts for safe driving habits, helping reduce teenage auto insurance rates in Illinois. Read our Farmers Signal review to learn more.
- Better Driving Habits: The Signal app assists in tracking driving behaviors, which can result in extra savings and better driving habits, especially for teen driver auto insurance in Illinois.
- Good List of Discounts: Farmers has more discounts for car insurance for teens than other Illinois auto insurance companies.
Cons
- Dependence on the Signal App: Discounts depend on using the Signal app. Without it, IL teen car insurance rates are more expensive than average.
- Privacy Concerns: Teen drivers and their parents may not like being monitored by Illinois insurance companies.
#9 – Progressive: Best for Qualifying Coverage
Pros
- Qualifying Coverage Discounts: Progressive provides discounts for qualifying coverage options, which can reduce the overall cost of the cheapest teen driver auto insurance in Illinois.
- Comprehensive Policy Options: Progressive offers various coverage options for teen driver auto insurance in Illinois. Find out more in our Progressive review.
- Usage-Based Discounts: Teen drivers in Illinois can sign up for Progressive Snapshot to get cheap car insurance for teenagers with good driving habits.
Cons
- Snapshot Rate Increases: Only good drivers qualify for a discount, and bad driving habits can raise teen insurance rates.
- Expensive Rates: Without qualifying coverage, rates for teen driver auto insurance in Illinois may be higher.
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Best Rates for Teen Driver Auto Insurance in Illinois
Choosing auto insurance for teen drivers in Illinois can be challenging due to the variety of options and pricing structures.
We’ve put together a comparison of monthly rates for both minimum and full coverage from several leading insurance providers so you’ll know who has the cheapest car insurance for young drivers.
Illinois Teen Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $210 | $570 |
| $362 | $836 |
| $282 | $652 |
| $375 | $864 |
| $156 | $355 |
| $256 | $591 |
| $388 | $895 |
| $150 | $355 |
| $188 | $436 |
So, which car insurance is the cheapest for young drivers? For minimum coverage, State Farm offers the lowest monthly rate at $150, while Liberty Mutual follows closely at $156.
State Farm stands out as the top choice for teen driver insurance in Illinois, due to its competitive rates and reliable coverage.Michelle Robbins Licensed Insurance Agent
Selecting the right teen auto insurance in Illinois is crucial as it impacts both your expenses and the level of protection you receive. The cost of insurance can vary widely depending on the provider and coverage level, so it’s essential to compare rates from different companies to find the best and cheapest car insurance for young drivers.
Check Out More: 10 Companies With the Cheapest Teen Auto Insurance
Tips for Reducing Teen Driver Auto Insurance Costs in Illinois
To cut teen driver insurance costs in Illinois, choose a high deductible, keep a clean driving record, and use discounts for good grades or defensive courses.
Explore auto insurance discounts from top providers for Illinois teen drivers. This comprehensive table outlines available discounts to get the most affordable car insurance for young drivers.
Bundling policies, installing anti-theft devices, and considering usage-based insurance programs can also lower teen car insurance costs. So take advantage of Allstate’s teen driver discount for further savings.
Paying the annual premium in full and reviewing coverage regularly to adjust deductibles and limits as needed can further save money. Families can also earn multi-vehicle discounts by adding a new driver and vehicle to an existing policy. Learn more about the best auto insurance companies for multiple vehicles.
Why Teen Driver Insurance is Expensive in Illinois
Securing affordable auto insurance for teen drivers in Illinois involves understanding several critical factors. For instance, auto insurance rates for teens are significantly higher due to their lack of driving experience and increased risk of accidents and claims.
You can still find the cheapest auto insurance for young drivers in Illinois that provides adequate coverage for your teen driver. Taking these steps will help ensure that your teen has the necessary protection while keeping insurance expenses in check:
- Pick the Right Vehicle: High-performance or high-value vehicles increase insurance premiums. So, opt for a safer, less expensive car with high safety ratings for your teen to lower insurance costs.
- Practice Safe Driving: A clean driving record lowers insurance rates, so encourage your teen to practice safe driving and consider using apps that monitor and improve driving habits.
- Pick the Right Coverage: The level of coverage affects the premiums. Minimum coverage is cheaper but less protective, while full coverage auto insurance for teenagers offers more protection at a higher cost.
- Ask About Discounts: Insurance companies offer various discounts for good grades, driver’s education courses, and bundling policies, so ask about all available teen discounts to reduce rates.
Understanding and addressing the key factors that influence auto insurance rates for teen drivers in Illinois can lead to more affordable and suitable coverage. Looking for the best car insurance for young drivers requires comparing quotes from multiple providers.
Read More: Cheap Auto Insurance After an Accident
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Case Studies: Securing Affordable Teen Driver Insurance in Illinois
Finding affordable auto insurance for teen drivers in Illinois can be tricky. These case studies show how different strategies can lead to significant savings:
- Case Study #1 – Maximizing Savings: Sarah, a 17-year-old driver in Illinois, saved 20% on her auto insurance by using a comparison tool to choose State Farm’s teen driver insurance, opting for a high deductible with good student discounts.
- Case Study #2 — Customizing Coverage: Michael, a new 16-year-old driver, and his parents choose Liberty Mutual for cheap first-time insurance, including accident forgiveness. This results in a $96 monthly premium with additional safe-driving discounts.
- Case Study #3 – Bundling Benefits: Emma’s family saved significantly on auto insurance by choosing Travelers for its bundling discounts, combining their policy with homeowners insurance, and benefiting from anti-theft device savings, making it the best insurance for young drivers in their situation.
Each case study shows how different strategies, such as comparison shopping, customizing policies, or bundling, can lead to cheap auto insurance for teens while ensuring full coverage.
For instance, one strategy involves comparison shopping, where individuals evaluate multiple insurance providers to find the cheapest car insurance for new drivers and the most cost-effective option.
Finding the Cheapest Teen Driver Auto Insurance in Illinois
The cheapest teen driver auto insurance companies are State Farm, Liberty Mutual, and Travelers, with rates starting at $150 per month. State Farm is praised for overall affordability, Liberty Mutual for customizable policies, and Travelers for bundling options.
Always prioritize affordable teen driver insurance in Illinois that also offers excellent customer service and value.Dani Best Licensed Insurance Producer
To get cheap insurance for teens, consider high auto insurance deductibles, maintain a clean driving record, and take advantage of discounts for good grades or multi-car policies. For cheap driver insurance options, use comparison tools to find the best insurance rates for young drivers.
Home and auto? That’s us. Fighting The Joker? Not so much. @J_the_stallion8 @JakeStateFarm pic.twitter.com/OHGin6M5RK
— State Farm (@StateFarm) March 11, 2025
Enter your ZIP code into our free quote comparison tool to compare your rates against the top insurers offering cheap auto insurance for teenagers.
Frequently Asked Questions
What is the cheapest auto insurance in Illinois?
The cheapest auto insurance in Illinois for teen drivers is typically offered by providers like State Farm, Liberty Mutual, and Travelers. Rates can start as low as $150 per month with these companies.
For those seeking the cheapest insurance for teenage drivers, it’s important to compare quotes to find the cheapest insurance companies for young drivers.
Which auto insurance is best in Illinois?
The best auto insurance in Illinois depends on your specific needs. For affordability, State Farm often tops the list. For customizable policies, Liberty Mutual is our top pick. If bundling policies is a priority, Travelers might be the best choice.
Consider factors such as coverage options, customer service, and getting a good driver auto insurance discount to find the best car insurance for teens.
What is the best auto insurance for an 18-year-old female?
For an 18-year-old female driver, the best auto insurance in Illinois may come from providers like State Farm and Liberty Mutual. Take advantage of State Farm’s teenage driver discount and Liberty Mutual’s customizable policies. It’s also beneficial to look for discounts such as good student or safe driving incentives.
Find the best insurance rates for young drivers by entering your ZIP code here.
What is the penalty for driving without insurance in Illinois?
In Illinois, driving without insurance can result in serious penalties. First-time offenders may face fines ranging from $500 to $1,000, a suspension of their driver’s license, and impoundment of their vehicle. Repeat offenders may incur even higher fines and longer license suspensions. It’s crucial to maintain valid auto insurance to avoid these penalties.
Can a 16-year-old drive alone in Illinois?
In Illinois, a 16-year-old driver with a provisional driver’s license can drive alone but with certain restrictions. They must have completed a driver’s education course and passed a driving test.
However, they are limited to driving only with one passenger under the age of 20 who is not a sibling. Night driving restrictions also apply.
How much is insurance for a 17-year-old in Illinois?
Insurance for a 17-year-old in Illinois can be quite expensive due to the high risk associated with teen drivers. On average, monthly premiums might start around $200 to $250 for full coverage.
Teenage car insurance rates can vary based on the insurer, the teen’s driving record, and the type of vehicle insured (Learn More: Auto Insurance Rates by State).
What is the average teenage car insurance cost per month?
The average cost of auto insurance in Illinois is approximately $110 to $135 per month. However, this average cost can vary based on factors such as coverage levels, the driver’s age, vehicle type, and location within Illinois.
Do Illinois drivers need insurance?
Illinois law requires you to have insurance before you drive. After you pay for your policy, your insurance company will send you an insurance card that you should keep in your vehicle. If you get caught driving without insurance, you face a fine and suspension of your license plates.
What type of insurance must every Illinois driver have?
In Illinois, all motorists are required by law to carry bodily injury liability insurance to defray the cost of injuries or damages caused to other people or their property in a crash. Without coverage, a single-vehicle collision could lead to significant financial loss and cause you to lose your driving privileges.
Do I need to add my child to my car insurance with a permit in Illinois?
Parents should reach out to their insurance agent for specific information about their teens and car insurance policy. Most companies cover teen drivers with a learner’s permit at no additional cost to the policyholder. Once the teen driver is licensed, however, they must be insured like any other driver.
Finding cheap insurance for young drivers is as easy as entering your ZIP code into our free quote comparison tool.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.
