Vehicle insurance. Yes, car insurance is cheaper in illinois compared to the national average for full coverage auto insurance. What are the penalties for driving without insurance in illinois? S why we evaluated car insurance companies in illinois to find the best rates for a variety of drivers. Per year for full coverage car insurance in illinois with state farm. Naturally, full coverage car insurance will cost you a bit more than basic car insurance. Monthly the best illinois car insurance companies the best three insurance companies offering auto policies in illinois are american family mutual, illinois farmers insurance, and standard fire insurance. Insurance is underwritten by farmers insurance exchange, fire insurance exchange, truck insurance exchange, mid-century insurance company, farmers texas county mutual insurance company, mid-century insurance company of texas or texas farmers insurance company.