Illinois Auto Insurance | Compare 20+ Carriers

★ 5-Star Google Reviews ✓ 20+ Carriers Shopped ★ Local Elgin & Huntley ✓ We Handle The Switch

Quick Answer: Pro Insurance Group is an independent Illinois auto insurance broker comparing 20+ carriers including AAA, Travelers, Hartford, Nationwide, and Progressive. Full coverage in Illinois averages $159 to $165 per month in 2026, and rates for the same driver vary 30 to 50 percent between carriers. We shop that spread for you, re-market your policy at every renewal, and deliver same-day quotes from our Elgin and Huntley offices. Call 833-776-4671 or text quoteme to 312-878-9416.

We Shop The 30-50% Spread

The same driver can pay 30 to 50 percent more at one carrier than another. We compare 20+ and bring you the one whose underwriting favors your profile.

We Re-Market Every Renewal

Auto rates move constantly. We re-shop your policy at renewal so a quiet rate hike never goes unchallenged.

We Handle The Switch

Moving carriers is simple. We set up the new policy and cancel the old one for you, with no coverage gap.

Illinois Auto Insurance Coverage Options

Not all policies are the same. Here is what each coverage does so you know where to invest.

Bodily Injury & Property Damage Liability

Required in Illinois. Pays for injuries and property damage you cause to others in an at-fault accident.

Collision

Pays to repair or replace your vehicle after a crash, regardless of fault. Usually required if you lease or finance.

Comprehensive

Covers damage outside your control: theft, vandalism, hail and storms, fire, and hitting an animal.

Uninsured & Underinsured Motorist

Protects you when an at-fault driver has no insurance or not enough. Important coverage given Illinois uninsured-driver rates.

Medical Payments

Helps cover medical bills for you and your passengers after an accident, no matter who is at fault.

Gap Coverage

Bridges the difference between what you owe on a financed vehicle and its actual cash value if it is totaled.

What Drives Your Illinois Auto Rate, And How We Lower It

Your premium is shaped by your driving record, your vehicle, your ZIP code and territory, your age and experience, your credit-based insurance score, and the coverage limits you carry. The single biggest variable you can control is which carrier you place with, since the same profile can swing 30 to 50 percent between companies.

We lower your cost four ways: carrier matching to the company whose underwriting rewards your profile, bundling your auto with home or renters for a multi-policy discount, tuning your deductible to balance premium against out-of-pocket risk, and stacking every discount you qualify for, from safe-driver to paid-in-full. We also write high-risk and SR-22 auto for drivers who need a filing or have no prior coverage.

Bundle Auto And Home, Save More

Pairing your auto with home or renters is the largest discount most drivers can get. One agent, one renewal, one lower bill.

See My Bundle Rate

Auto Insurance by Illinois City

Auto rates change a lot from one Illinois city to the next, driven by traffic density, theft, and local claims. Find your city for local pricing and how we lower it.

Auto Insurance in Chicago, IL → The highest auto rates in the state. Dense traffic and theft push premiums up, so carrier choice matters most here. Auto Insurance in Aurora, IL → Illinois' second-largest city. Suburban pricing with big-city coverage options across 20+ carriers. Auto Insurance in Naperville, IL → A low-claim suburb where good drivers often see some of the strongest rates in the metro. Auto Insurance in Joliet, IL → Will County pricing and the discounts that bring it down for local drivers. Auto Insurance in Elgin, IL → Our home market. Local Kane County pricing from an office right in town. Auto Insurance in Huntley, IL → Our second home market, including Del Webb Sun City. Local McHenry County rates from an office in town. Auto Insurance in Rockford, IL → Northern Illinois rates and the carrier mix that competes hardest in the area. Auto Insurance in Bloomington, IL → Central Illinois pricing that often runs below the Chicago metro. Auto Insurance in Peoria, IL → Downstate rates that frequently beat metro pricing for the same driver. Auto Insurance in Decatur, IL → Central Illinois coverage and the savings levers that work best locally. Auto Insurance in Springfield, IL → Capital-area auto rates and how local drivers keep them down.

What Our Illinois Drivers Say

Illinois Auto Insurance FAQs

How much is auto insurance in Illinois?

Full coverage in Illinois averages about $159 to $165 a month in 2026, but the same driver can pay 30 to 50 percent more at one carrier than another. Because we compare 20+ carriers, the fastest way to see your real number is a free quote.

What auto coverage is required in Illinois?

Illinois requires bodily injury and property damage liability, plus uninsured motorist coverage. Most drivers add collision and comprehensive, and lenders require them on financed or leased vehicles.

Do you write SR-22 and high-risk auto?

Yes. We handle SR-22 filings, drivers with no prior insurance, and accounts that need non-standard carrier matching. We will find a market that fits your situation.

Can I bundle auto with home or renters?

Yes, and most drivers should. Bundling auto with home, condo, or renters is the largest discount available to most households and simplifies everything into one renewal.

How fast can I get a quote?

Usually the same business day. Request a quote online, call 833-776-4671, or text quoteme to 312-878-9416, and a local agent shops your account across our carriers.

See What You Would Pay In Illinois

One quick quote. We shop 20+ carriers. You keep the savings.

Get My Quote Call 833-776-4671

Reviewed by Dave Rysavy

VP, Personal Lines · Pro Insurance Group. Dave leads personal lines for Illinois drivers and matches each household to the carrier that prices their profile best.

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