Uninsured and underinsured. Among these are student discounts, discounts for safe drivers, and discounts for vehicles that have safety features. You can also save up to 25% on multi-vehicle insurance. GEICO has an umbrella policy, which adds an extra layer of protection in case you are sued. GEICO also offers a roadside assistance program. 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.