USAA car insurance in Illinois

Q: Is USAA available in Illinois?

Yes. USAA writes personal auto insurance in Illinois — all 50 states and d.c., but only for the military community and their families. We did not find any Illinois-specific exclusions published on its own pages, though carriers do not always publish every state variation.

Q: How much does USAA car insurance cost in Illinois?

Nobody publishes that figure, and we are not going to invent one. What can be said honestly: drivers in Illinois pay $1,257 / yr on average across all insurers, and USAA's national average for full coverage is $1,588 a year. Those are two different measurements and neither one is "what USAA charges in Illinois". Only a quote on your own ZIP code, vehicle and record answers that.

Q: What are Illinois's minimum car insurance requirements?

Illinois requires at least 25/50/20 in liability coverage. Illinois's minimum liability requirement is 25/50/20: $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage. Minimums like these are set well below what a serious accident typically costs in medical care and vehicle repair.

Q: Is USAA a good choice for Illinois drivers?

USAA scores 4.6 out of 5 in our national review. Military members, veterans and their families describes who it suits best. Nothing we found suggests Illinois changes that picture materially. With 23 other insurers we review also writing in Illinois, it is worth quoting several.

USAA writes personal auto insurance in Illinois. We found no Illinois-specific restrictions published on its own pages.

Read our full USAA review

What USAA costs in Illinois

Illinois average, all insurers

$1,257 / yr

About 13% below the national average

USAA average, nationwide

$1,588/yr

vs. $2,356 national average, full coverage

Two different measurements, shown together for context and deliberately not combined. Neither is what USAA would quote you in Illinois.

Why there is no third number here

Those two figures measure different things, and multiplying them together would not produce a third. No public dataset publishes what USAA specifically charges in Illinois — rate filings are not compiled that way, and any site showing you that number has estimated it. We would rather show you the two real figures and be clear about what they do not tell you. The only number that describes your situation is a quote on your own ZIP code, vehicle and driving record.

What’s different about USAA in Illinois

We did not find any Illinois-specific restrictions published on USAA’s own pages. That is not the same as there being none — carriers do not always publish every state variation, and availability can change between renewals. Confirm the specific discounts you are counting on when you quote.

What Illinois requires you to carry

Minimum liability25/50/20

Illinois's minimum liability requirement is 25/50/20: $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage. Minimums like these are set well below what a serious accident typically costs in medical care and vehicle repair.

Driving without insurance in Illinois carries fines and other penalties that vary by circumstance, and can include vehicle impoundment or license suspension. A coverage lapse also tends to raise your next premium, sometimes for years afterward.

Full Illinois rates and requirements →

What moves a Illinois premium most

·ZIP code and where the car sits overnight — the biggest single lever.

·Annual mileage, which most insurers weight heavily.

·Driving record over the last three years, especially at-fault claims.

·Continuous coverage history. Gaps cost more than most discounts save.

·Credit history, which factors into most insurers' models here.

How USAA scores nationally

These are national measures — J.D. Power and NAIC do not publish per-state breakdowns at carrier level, so this scorecard describes USAA as a company rather than its performance in Illinois specifically.

Category

USAAOur score, 1–5

PriceAverage annual full-coverage premium · 25% of score

5.0$1,588/yr

Average full coverage vs. $2,356 national average

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

5.0741/1,000

J.D. Power 2025 claims study — scored but not ranked (military-only eligibility), segment average 700

Complaint recordComplaints relative to company size · 15% of score

2.5More than expected

Complaints relative to company size, NAIC data 2022–2024

Financial strengthAM Best Financial Strength Rating · 10% of score

5.0A++

AM Best Financial Strength Rating

DiscountsBreadth of published discounts · 15% of score

4.513 published

Discounts on the carrier's own pages · Telematics: SafePilot and SafePilot Miles

Digital experienceApp ratings and self-service depth · 15% of score

5.04.80 iOS / 4.7 Android

App Store (2.3M ratings) and Google Play (492K ratings), August 2026

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

Other insurers writing in Illinois

23 of the 24 insurers we review also sell in Illinois. Availability is the first filter — a cheaper carrier that does not write here is not an option.

State Farm Progressive Geico Allstate Farmers Liberty MutualNot scored Travelers American Family Auto-Owners Erie Nationwide Mercury Kemper The Hartford Amica Shelter Chubb ClearcoverNot scored COUNTRY Financial ElephantNot scored LemonadeNot scored RootNot scored The Hanover

USAA in Illinois, answered

The questions Illinois drivers ask about this carrier.

Is USAA available in Illinois?

How much does USAA car insurance cost in Illinois?

What are Illinois's minimum car insurance requirements?

Is USAA a good choice for Illinois drivers?

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