Car. Veterans throughout illinois can qualify for special discounts on their car insurance, but the programs that an insurer offers can vary. Pekin and geico are the cheapest car insurance companies for good drivers in illinois, on average, among companies analyzed by forbes advisor. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Auto insurance is a necessity, but troxell will make your vehicle insurance shopping easy -- we do all the work for you! While the cost of car insurance is seldom negotiable, you may be able to leverage a lower rate if you can prove another insurer is willing to offer you a better rate for car insurance. When compared to surrounding states, the average cost of car insurance in illinois is 8. But to give you a more concrete answer, the car insurance companies are actually not doing anything different than the rest of the insurance companies, or the rest of the big corporates nowadays.