Top 10 Illinois Car Insurance Companies
Check out this list for a true testament to the top Illinois car insurance companies. We rank the following Illinois car insurance companies based on rates and customer service, with a PRO and CON for each company so you can make the final choice yourself. When you're ready to buy car insurance online, enter your ZIP code below.
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UPDATED: Sep 5, 2020
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No matter where you live, you will likely need to buy a car to travel, and with that comes the responsibility of insurance. When you shop for car insurance in Illinois, it is important to consider the pros and cons of the different available companies. Compare the best car insurance companies with our FREE comparison tool!
In terms of personal lines insurance, the Allstate Corporation — a Fortune 100 company — is the biggest in the country with nearly $160 billion in assets. In particular, Allstate provides 12 major insurance lines besides auto insurance, including but not limited to property, commercial and life insurance. In addition to this, you could seek investment and retirement products along with banking services. Founded back in 1931, the Allstate Corporation went on public trade in 1993, and they’ve secured an A+ A.M. Best financial rating.
When it comes to large corporations like Allstate, many people expect complaints to be high, but the mark for complaints is actually 3 percent. Signing up for auto insurance is also particularly easy with three available options: phone, Internet or a trip to an office.
- Pros: Easy to sign up/low complaints
- Cons: Nothing significant
Metropolitan Life Insurance Company, more commonly known as MetLife, first began back in 1863, a full twenty years before the first modern car. MetLife has secured an A A.M. Best rating. This coupled with the fact that their mascot is Snoopy — after all, the famous Schulz wouldn’t lend his character to just anybody — you know MetLife is a reputable company to go with.
MetLife always shows its dedication to providing insurance, including but not limited to auto, health and life insurance, along with other service where the primary intent is to offer financial services to families in need. This is also another large company with a minimum number of complaints.
- Pros: Quick sign up, minimum complaints.
- Cons: No standard discounts.
3. Republic Lloyds
The year 1903 saw the Brothers Jalonick create an insurance company in Texas, and today they have secured an A- A.M. Best rating, proving their knowledge of reliable car insurance coverage. Like the previous two, one might expect many complaints but there are few, and the claims settlements also appear to be fair. Like the others, you can visit an office, call or sign up online.
- Pros: Excellent customer service.
- Cons: Perfection expected.
4. Metriplan Insurance Company
Unlike the first three companies on this list, Metriplan is smaller, offering more personal service for the individual driver, securing an A A.M. Best rating. This means they’re well on their way to becoming more prominent. However, they lack a website, which coupled with no standard discount is a bit of a shot in the foot. The only way you can join is to locate a nearby office.
- Pros: No complaints.
- Cons: No website or discounts.
5. Amica Car Insurance Company
A.T. Vigneron, a businessman from Rhode Island, started up the Amica Company in 1907 believing horseless carriages would eventually become the norm. After a century of learning how to handle customers, this insurance company has it all, including marine, homeowners, life and personal excess liability insurance. Customer service is excellent, but you can only sign up via Internet or phone.
- Pros: Customer service rated number one
- Cons: No agent office
6. State Farm
Founded in 1922, State Farm was started by an insurance salesman who wanted to do the right thing and be fair to customers. Today, they’ve secured an A++ A.M. Best rating. State Farm has decided themselves to policy holders and offer the best rates they can. To take it a step further, there are hardly any claims settlements complaints, though still a little more than some others. You can also feel secure with added car insurance discounts.
- Pros: Full insurance services, discounts.
- Cons: Quality doesn’t come cheap.
Despite not being very well known, Unitrin has an A A.M. Best rating and offers a variety of discounts to paying customers, and payouts for claim settlements also appear to be fair; no customers have ever appeared to get raw deals. In addition to most of the aforementioned companies, you can sign up via Internet, phone or agent office.
- Pros: Plenty of standard discounts.
- Cons: Customer service not always great with price.
8. Nationwide Mutual Insurance
Nationwide began as an insurer for farmers driving in Ohio, and over the course of 80 years became one of the biggest financial and insurance providers in the world with an A+ A.M. Best rating. Despite the rating, however, Nationwide appears to have a significantly high number of complaints with some people having issue getting their due.
Additionally, the standard discounts are there, but they are not too comparable to the rest. Signing up is easy, however, with the three standard options available.
- Pros: Offers good discounts and many financial services.
- Cons: Average unpaid claims level.
9. Government Employees Insurance Company / Geico
During the Great Depression in the 1930s, the Goodwins started up perhaps one of the best known and most successful insurance company now known as the Government Employees Insurance Company, or Geico, a company with an A++ A.M. Best rating. Other companies would also do well to look at Geico’s car insurance claims settlements, in addition to their standard discounts. Their direct sales model also allows the company to provide the lowest car insurance prices, but you are unlikely going to be able to talk directly to an agent at the office.
- Pros: Lowest industry prices, signing up through the Internet or the phone is an easy process.
- Cons: Might not have any available agents.
In 1923, Hawthorne K. Dent, an insurance executive, decided to take a new, then-radical approach to how insurance companies run, startling the industry. Defying tradition and convention, Dent began a company that would combine both the responsibility and the financial stability of a standard stock company owned by investors along with the lower prices and the preferred-risk underwriting that a policy-owned or mutual company would have. To take it a step further, he decided to base this new company in Seattle, which was then considerably farther than the Northeast where all of the other conventional and well known companies were located.
Today, Safeco has secured an A A.M. Best rating for themselves, making them easily comparable to the other aforementioned companies. They provide numerous standard discounts to holders of policies and feature a fair number of settlement compliant percentage. Once again, signing up is a quick method when visiting a local office, using the Internet or calling on the phone.
- Pros: Easy sign up, and non-car insurance policies are also easy to sign up for.
- Cons: Price is a little high
In the end, all companies will differ in some way in what they can offer you, so your best bet is to shop around when deciding on the best Illinois car insurance company for you.