Premium. Nyoung drivers have higher rates than their more experienced counterparts, but by applying for discounts, shopping around, and maintaining a clean driving record, drivers under 25 can save money on car insurance. To help drivers find the best cheap car insurance in illinois, our editorial team collected quotes from top auto insurance companies across every zip code in the state. As the cost of car insurance continues to rise, more drivers take the risk of driving without car insurance. A look at car insurance laws in illinois, including minimum coverage requirements, penalties for driving without insurance, and more. Our in-depth guides provide advice and insight on numerous aspects of vehicle ownership, including maintenance, car care, warranty, accessories, and safe driving. While each insurance company offers different discounts, these are some of the most common discounts for drivers.