Drivers. If you have a senior with a clean driving history and good credit, you can still qualify for cheap car insurance in illinois. The best high-risk auto insurance companies in illinois are the hartford, state farm, nationwide because they are financially strong and have few customer complaints. Drivers with state farm can expect to pay below average rates for their insurance, and state farm is even a great choice for people who have had a recent car accident on record. Having a dui conviction or a dui accident on your driving record makes you very unappealing to insurance companies. You can always check to see if your insurance provider offers any insurance discounts so that you are getting the cheapest car insurance they can offer. Get affordable car insurance with the coverage options you need even if you have a less than perfect driving record through direct auto insurance.