Cheapest Teen Driver Auto Insurance in Illinois (Top 9 Companies for Savings in 2024)
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 $95/month. State Farm excels in customer service and claims satisfaction and offers a Steer Clear driving program to lower Illinois teen insurance costs.
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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: Oct 25, 2024
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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: Oct 25, 2024
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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Min. Coverage for Teen Driver in Illinois
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Min. Coverage for Teen Driver in Illinois
A.M. Best Rating
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3,607 reviews
1,731 reviewsCompany Facts
Min. Coverage for Teen Driver in Illinois
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviews
The top providers for the cheapest teen driver auto insurance in Illinois are State Farm, Liberty Mutual, and Travelers, offering competitive rates starting at $95/month and exceptional customer service.
These leading companies offer a blend of affordable teen auto insurance with 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 $95 B Customer Service State Farm
#2 $96 A Customizable Policies Liberty Mutual
#3 $116 A++ Bundling Policies Travelers
#4 $120 A Roadside Assistance AAA
#5 $158 A+ Accident Forgiveness Nationwide
#6 $174 A Costco Members American Family
#7 $223 A+ Infrequent Drivers Allstate
#8 $231 A Signal App Farmers
#9 $239 A+ Qualifying Coverage Progressive
By choosing the best Illinois auto insurance for teens, you secure both value and comprehensive protection tailored to the specific needs of teen driver auto insurance in Illinois.
Enter your ZIP code into our free quote tool above to find the best auto insurance providers for your needs and budget.
- State Farm offers the lowest rates for teen driver auto insurance in Illinois
- Top-rated Illinois auto insurance companies start at $95/month for teens
- 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 most budget-friendly starting rates for teen drivers in Illinois at $95/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 cheap Illinois teen driver auto insurance.
- 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 lower teen driver insurance costs 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 significant savings opportunities 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 save up to 30%.
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 dependable 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 the cheapest teen driver auto insurance 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: Nationwide provides budget-friendly rates starting at $158/month, making it a competitive option for the cheapest teen driver auto insurance in Illinois.
- 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 of Nationwide teen 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 $174/month
- Discounts for Costco Members: American Family offers extra teen insurance discounts for Costco members
- Good Coverage Options: AmFam teen insurance comes with a range of insurance 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 provides special discounts for teen drivers who sign up for Milewise. See how much you can save on Illinois auto insurance in our Milewise review.
- Good Student Discount: Allstate teen insurance discounts for students are competitive at 20%.
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 with 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.
- Auto Insurance Discounts: Farmers has more discounts 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 lower rates with good driving habits. Learn how in our Snapshot review.
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. To simplify this process, we’ve put together a comparison of monthly rates for both minimum and full coverage from several leading insurance providers.
Illinois Teen Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $120 $250
Allstate $223 $515
American Family $174 $402
Farmers $231 $533
Liberty Mutual $96 $219
Nationwide $158 $364
Progressive $239 $552
State Farm $95 $218
Travelers $116 $269
For minimum coverage, State Farm offers the lowest rate at $95, while Liberty Mutual follows closely at $96. For full coverage, State Farm again leads with a rate of $218, making it a top choice for affordability and value.
State Farm stands out as the top choice for teen driver insurance in Illinois, delivering unbeatable 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 most affordable option.
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.
Bundling policies, installing anti-theft devices, and considering usage-based insurance programs can also lower teen car insurance costs.
Paying the annual premium in full and reviewing coverage regularly to adjust deductibles and limits as needed can further save money. Familes 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 more affordable auto insurance 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 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.
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, opting for a high deductible, resulting in a $95 monthly premium with good student discounts.
- Case Study #2 – Customizing Coverage: Michael, a new 16-year-old driver, and his parents choose Liberty Mutual for its customizable policy options, including accident forgiveness, resulting 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.
Each case study shows how different strategies, such as comparison shopping, customizing policies, or bundling, can lead to significant savings on teen driver insurance while ensuring full coverage.
For instance, one strategy involves comparison shopping, where individuals evaluate multiple insurance providers and their offers to find the most cost-effective option.
Finding the Cheapest Teen Driver Auto Insurance in Illinois
For teen drivers in Illinois, the most affordable options are State Farm, Liberty Mutual, and Travelers, with rates starting at $95/month. State Farm is praised for overall affordability, Liberty Mutual for customizable policies, and Travelers for bundling options.
State Farm offers the best value for teen driver insurance in Illinois, combining affordability with excellent customer service and broad coverage options.Dani Best Licensed Insurance Producer
To save on teen auto insurance costs, consider high auto insurance deductibles, maintain a clean driving record, and take advantage of discounts for good grades or multi-car policies. Use comparison tools to find the best rates. Enter your ZIP code into our free quote comparison tool to compare your rates against the top insurers.
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 $95 per month with these companies. It’s important to compare quotes from multiple providers to find the most affordable option that meets your needs.
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 a strong contender. If bundling policies is a priority, Travelers might be the best choice. Consider factors such as coverage options, customer service, and how to get a good driver auto insurance discount when determining the best insurance for you.
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. State Farm offers competitive rates and strong customer service, while Liberty Mutual provides customizable policies. It’s also beneficial to look for discounts such as good student or safe driving incentives.
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. 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 cost of auto insurance in Illinois?
The average cost of auto insurance in Illinois is approximately $110 to $135 per month. This average cost can vary based on factors like 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 current policy and teen drivers. 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 cheaper insurance rates is as easy as entering your ZIP code into our free quote comparison tool below.
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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.
