The auto insurance industry in Illinois features a rich tapestry of companies that provide critical protection for vehicle owners. This sector includes large traditional insurers, specialized agencies catering to high-risk drivers, and tech-driven firms focusing on efficient service delivery. With increasing digitization, companies are enhancing customer experiences through streamlined claims processes and user-friendly apps. Moreover, the recent emergence of usage-based insurance models reflects a shift towards tailored policies based on driver behavior. As mobility trends evolve, such as the rise of ridesharing and electric vehicles, the industry adapts quickly, responding to changing consumer needs and technological advancements.

This list highlights 21 notable auto insurance companies headquartered in Illinois, ranging from sizable organizations like State Farm to smaller agencies such as Lr Windsor. Founded from 1906 to as recently as 2016, these firms vary in size and specialization, offering a combination of auto, home, and motorcycle insurance. Many agencies prioritize personalized customer service, while others leverage technology to offer innovative solutions tailored to their clients. The commitment of these companies to transparency and affordability is evident in their diverse range of offerings across the state.

Read on to explore the top auto insurance companies in Illinois.

Top 21 Auto Insurance Companies in Illinois

1. State Farm

• Website: statefarm.com
• Ownership type: Private
• Headquarters: Bloomington, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1922
• Headcount: 10001+
• LinkedIn: state_farm

State Farm Insurance, headquartered in Bloomington, Illinois, is a prominent insurance and financial services provider. Founded in 1922, the company has grown to employ over 106,000 individuals and serves millions of customers across the United States. State Farm offers a comprehensive array of insurance products, including auto, home, life, and health insurance, as well as investment services. The company is particularly known for its auto insurance offerings, which include various coverage options and discounts tailored to meet the needs of individuals, families, and small businesses. State Farm's commitment to customer service is evident through its network of 19,000 agents, who provide personalized assistance to policyholders. The company also emphasizes community involvement and environmental sustainability, reflecting its broader corporate responsibility initiatives.

2. American Access Casualty Company

• Website: aains.com
• Ownership type: Private
• Headquarters: Downers Grove, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1999
• Headcount: 501-1000
• LinkedIn: american-access-casualty-company

American Access Casualty Company, based in Downers Grove, Illinois, is an insurance provider that specializes in automobile and life insurance products. Established in 1999, the company has carved out a niche in the insurance market by focusing on the needs of individuals and businesses. They offer a variety of insurance solutions designed to ensure legal compliance and financial protection. A notable aspect of their service is their commitment to customer service, which is facilitated through a network of agents. This approach allows them to cater to a specific demographic, particularly the Hispanic community, by providing tailored insurance options. The company operates in several states, including Arizona, Illinois, Indiana, Nevada, and Texas, and emphasizes quick access to coverage, including same-day insurance and low down payments. Their operational model and focus on customer satisfaction position them as a relevant player in the auto insurance industry.

3. Clearcover

• Website: clearcover.com
• Ownership type: Venture Capital
• Headquarters: Chicago, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: $44.0M, November 2024
• Founded year: 2016
• Headcount: 201-500
• LinkedIn: clearcover-inc

Clearcover is an insurance company based in Chicago, Illinois, specializing in car insurance. Founded in 2016, the company aims to provide affordable and efficient insurance solutions for individual car owners. Clearcover offers a range of coverage options, including liability, comprehensive, and collision insurance. A key feature of their service is the fast claims processing facilitated through their mobile app, which allows customers to file claims quickly and track their status. The company has garnered attention for its ability to pay eligible claims in minutes, leveraging technology to enhance customer experience. Clearcover has also attracted significant venture capital funding, with a reported $44 million raised in its latest funding round in November 2024, underscoring its growth potential and relevance in the auto insurance industry.

4. Encompass Insurance

• Website: encompassinsurance.com
• Ownership type: Private
• Headquarters: Northbrook, Illinois, United States (USA)
• Employee distribution: United States (USA) 99%, Other 1%
• Founded year: 1982
• Headcount: 501-1000
• LinkedIn: encompass-insurance

Encompass Insurance, based in Northbrook, Illinois, has been providing insurance solutions since its founding in 1982. The company specializes in a variety of insurance products, prominently featuring auto and home insurance. Encompass operates through a network of local agents, which allows for personalized service and tailored coverage options for its clients. This model not only enhances customer engagement but also supports local businesses by empowering independent agents. The company is dedicated to protecting individuals and businesses against various risks, ensuring that clients have the coverage they need. With a workforce of approximately 562 employees, Encompass maintains a strong presence in the U.S. insurance market, focusing primarily on the needs of American consumers. The absence of reported funding indicates that the company has been self-sustaining, relying on its operational revenue to support its activities and growth.

5. Safeway Insurance Company

• Website: safewayinsurance.com
• Ownership type: Corporate
• Headquarters: Westmont, Illinois, United States (USA)
• Employee distribution: United States (USA) 99%, Other 1%
• Latest funding: July 2015
• Founded year: 1959
• Headcount: 201-500
• LinkedIn: safeway-insurance-company

Safeway Insurance Company, founded in 1959 and headquartered in Westmont, Illinois, specializes in providing auto insurance services. With a workforce of approximately 415 employees, the company has built a reputation for offering affordable insurance policies tailored to individuals and families. Safeway Insurance operates through a network of over 3,000 independent agents and regional offices across the United States, ensuring a personal approach to customer service. The company serves more than 300,000 customers and is recognized for its commitment to helping clients protect their vehicles against accidents, theft, and liability. Rated 'A' (Excellent) by A.M. Best, Safeway Insurance demonstrates a solid financial foundation and a dedication to customer satisfaction, making it a reliable choice in the auto insurance market.

6. Insurance Navy Brokers

• Website: insurancenavy.com
• Ownership type: Private
• Headquarters: Palos Hills, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2012
• Headcount: 51-200
• LinkedIn: insurance-navy-brokers

Insurance Navy Brokers, founded in 2012 and based in Palos Hills, Illinois, is an insurance agency that provides a range of insurance products, primarily focusing on auto insurance. The company operates through various storefronts and online platforms, serving customers across several states including Illinois, Indiana, Texas, and California. Insurance Navy specializes in non-standard auto insurance, particularly for high-risk drivers, and offers products such as SR-22 insurance, rideshare insurance, and pay-per-mile car insurance. Their mission is to assist consumers in finding affordable coverage options while navigating the complexities of insurance. The company prides itself on high-quality customer service and has established partnerships with well-known insurance providers like Progressive and The Hartford. Insurance Navy aims to make insurance accessible and straightforward for its clients, emphasizing the importance of tailored coverage that meets individual needs.

7. Magnum Insurance

• Website: magnuminsurance.com
• Ownership type: Private
• Headquarters: Des Plaines, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1981
• Headcount: 201-500
• LinkedIn: magnum-insurance

Magnum Insurance, based in Des Plaines, Illinois, has been serving customers since 1981. As a private insurance agency, it provides a wide array of insurance products, with a strong emphasis on auto insurance. The company caters to both individual consumers and businesses, offering essential coverage options that protect against financial risks associated with accidents and damages. Their product lineup includes auto insurance, SR22 insurance, motorcycle insurance, and specialized options like rideshare and Mexico auto insurance. Magnum Insurance prides itself on affordability and superior customer service, supported by a user-friendly website and a mobile app that allows clients to manage their policies and claims conveniently. With over 3 million insurance policies sold, the company has a significant footprint in states such as Illinois, Indiana, Arizona, Nevada, New Mexico, and Texas, demonstrating its active involvement in the insurance industry.

8. Lr Windsor

• Website: lrwindsor.com
• Ownership type: Private
• Headquarters: Chicago, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2003
• Headcount: 11-50
• LinkedIn: lr-windsor

Lr Windsor is an insurance agency located in Chicago, Illinois, founded in 2003 by Todd Johnson. The agency is dedicated to providing a wide range of insurance services, including personal, business, life, and health insurance. With a team of 11 to 50 employees, Lr Windsor aims to build strong, trusting relationships with clients to help them manage risks and protect their assets. The agency specializes in auto insurance, among other products, and serves both individual consumers and businesses. Their approach emphasizes customized insurance solutions to meet the unique needs of their clients. Lr Windsor has established a presence in the local market, focusing on areas such as Chicago and its surrounding communities, and has garnered positive customer reviews, reflecting their commitment to service and client satisfaction.

9. Loman-Ray Insurance Group, LLC

• Website: lomanray.com
• Ownership type: Family Owned
• Headquarters: Champaign, Illinois, United States (USA)
• Founded year: 1981
• Headcount: 51-200
• LinkedIn: loman-ray-insurance-group-inc.

Loman-Ray Insurance Group, LLC, based in Champaign, Illinois, has been serving clients since 1981. As a family-owned agency, they pride themselves on providing a wide range of insurance products, including home, auto, health, commercial, life, and farm insurance. Their approach emphasizes a holistic understanding of clients' needs, ensuring that both individuals and businesses receive tailored coverage to protect their assets and financial stability. The agency is particularly noted for its commitment to customer service, working closely with clients to find the best insurance solutions. With a dedicated team and multiple locations across Central Illinois, Loman-Ray has established itself as a reliable partner in the insurance industry, particularly in the auto insurance sector, where they offer various coverage options and personalized support.

10. Oxford Insurance Group

• Website: oxfordauto.com
• Ownership type: Corporate
• Headquarters: Oak Brook, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: October 2017
• Founded year: 1945
• Headcount: 201-500
• LinkedIn: oxford-insurance-group

Oxford Insurance Group, founded in 1945 and based in Oak Brook, Illinois, is an insurance agency that specializes in auto insurance and SR-22 insurance. With a workforce of 201-500 employees, the company has been serving the Chicagoland area for over 65 years. They pride themselves on delivering exceptional customer service and helping clients navigate their insurance needs. Oxford Auto Insurance offers competitive rates and flexible payment plans, making it accessible for a wide range of customers, including those with less-than-perfect driving records or credit histories. The agency works with more than 15 insurance companies to ensure clients receive the best possible rates. Their focus on customer satisfaction is evident in their high satisfaction ratings, and they maintain a strong local presence with multiple locations throughout the region.

11. Northwest Insurance Network

• Website: northwestinsurance.com
• Ownership type: Corporate
• Headquarters: Chicago, Illinois, United States (USA)
• Latest funding: May 2021
• Founded year: 1958
• Headcount: 201-500
• LinkedIn: northwest-insurance-network

Northwest Insurance Network, based in Chicago, Illinois, is an insurance agency that has been serving clients since 1958. The company specializes in a variety of insurance products, including auto, home, business, and life insurance. With a workforce of approximately 40 employees, Northwest Insurance Network operates as an independent agency, collaborating with over 60 different insurance carriers to provide clients with optimal coverage options at competitive rates. Their approach is centered on understanding individual and business needs, allowing them to craft customized insurance solutions. The agency prides itself on its customer service, aiming to build long-term relationships with clients by offering support and guidance throughout the insurance process. Their extensive experience and local expertise position them as a relevant player in the auto insurance sector.

12. RETA Insurance Agency

• Website: retainsurance.com
• Ownership type: Private
• Headquarters: Worth, Illinois, United States (USA)
• Founded year: 2009
• Headcount: 1-10
• LinkedIn: reta-insurance-agency

RETA Insurance Agency, founded in 2009, is a private insurance agency located in Worth, Illinois. With a small team of 1-10 employees, the agency specializes in a variety of insurance products, including auto, home, business, life, and health insurance. RETA Insurance aims to serve both individual consumers and businesses, providing essential coverage to protect against financial losses from various risks. The agency places a strong emphasis on educating its customers about their insurance options, which is reflected in its blog content that addresses common insurance questions and concerns. Although RETA Insurance operates primarily in Illinois, its commitment to customer service and community engagement positions it as a relevant player in the local insurance market.

13. Snyder Insurance Agency

• Website: insurewithsnyder.com
• Ownership type: Family Owned
• Headquarters: Bloomington, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1906
• Headcount: 11-50
• LinkedIn: snyder-insurance-agency_2

Snyder Insurance Agency, based in Bloomington, Illinois, has been serving clients since 1906. As a family-owned and operated independent insurance agency, they provide a wide array of insurance products, including auto, homeowner, renters, life, and commercial insurance. The agency prides itself on its customer-centric approach, emphasizing the importance of building strong relationships with clients and insurance partners alike. Snyder Insurance Agency operates multiple locations across Illinois and Tennessee, ensuring accessibility for their clients. Their team is dedicated to educating clients about their insurance options, which enhances their role as trusted advisors in risk management. By representing over twenty insurance companies, Snyder Insurance Agency is positioned to offer customized insurance solutions that meet the specific needs of both individuals and businesses.

14. Lee O'Keefe Insurance Agency

• Website: leeokeefe.com
• Ownership type: Private
• Headquarters: Springfield, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1934
• Headcount: 1-10
• LinkedIn: lee-o%27keefe-insurance-agency

Lee O'Keefe Insurance Agency Inc. is a privately owned insurance agency based in Springfield, Illinois, with a history dating back to 1934. The agency specializes in a wide range of insurance services, including auto, home, business, life, health, and group benefits. They cater to both individual consumers and businesses, helping clients manage risks and protect their financial interests through customized insurance solutions. As an independent agency, Lee O'Keefe has the flexibility to partner with various reputable insurance carriers, allowing them to offer competitive rates and comprehensive coverage options. Their mission emphasizes superior service, long-term relationships with clients, and a commitment to professional excellence. The agency is dedicated to providing clients with the best possible insurance experience, ensuring that they receive prompt and fair service when claims arise.

15. Falcon Insurance Group LLC

• Website: falconinsgroup.com
• Ownership type: Private
• Headquarters: Oak Brook, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: $14.5M, April 2013
• Founded year: 2011
• Headcount: 51-200
• LinkedIn: falcon-insurance-group-llc

Falcon Insurance Group LLC, founded in 2011 and based in Oak Brook, Illinois, is an insurance provider that specializes in car insurance services. The company aims to offer simple and affordable car insurance, particularly for drivers with less-than-perfect driving records. Falcon emphasizes transparency, with no hidden fees or complicated terms, and provides competitive rates along with flexible payment options. Their claims process is designed to be quick and straightforward, ensuring that customers can navigate it with ease. Falcon operates through a network of over 1,800 independent agents across several states, including Arizona, Colorado, Illinois, Indiana, Oklahoma, Texas, and Utah. This extensive agent network allows them to deliver personalized service and cater to the specific needs of their clients. The company has also received funding, amounting to approximately $14.5 million, which indicates a level of investor confidence in its business model and growth potential.

16. Mars Insurance Agency

• Website: marsinsurance.com
• Ownership type: Private
• Headquarters: Crystal Lake, Illinois, United States (USA)
• Employee distribution: United States (USA) 76%, India 24%
• Founded year: 1968
• Headcount: 1-10
• LinkedIn: mars-insurance-agency-inc-

Mars Insurance Agency, based in Crystal Lake, Illinois, has been serving clients since 1968. This independent agency specializes in a wide array of insurance products, including auto, homeowners, life, health, and business insurance. With a commitment to personal service, Mars Insurance Agency aims to create lasting relationships with its clients, offering tailored solutions to manage risks and protect assets. The agency operates with a team of dedicated professionals who leverage their experience to provide clients with the best coverage options from a network of top-rated insurance carriers. Mars Insurance Agency prides itself on its customer-centric approach, ensuring that clients receive the attention and support they need to navigate their insurance needs effectively.

17. Insure on the Spot

• Website: insureonthespot.com
• Ownership type: Private
• Headquarters: Chicago, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1986
• Headcount: 11-50
• LinkedIn: insure-on-the-spot

Insure on the Spot is an insurance agency based in Chicago, Illinois, specializing in auto insurance, SR22 insurance, and motorcycle insurance. Established in 1986, the company has built a reputation for providing affordable insurance solutions tailored to individuals and families, particularly those with unique circumstances such as prior driving violations. With a workforce of 11-50 employees, Insure on the Spot operates multiple locations throughout the Chicago-land area, allowing them to effectively serve a broad customer base. Their services include instant SR22 filings, roadside assistance, and a user-friendly online platform for quotes and payments. The company prides itself on its customer-centric approach, promising quick and easy access to insurance options without the need for credit checks. Trusted by over a million families in the region, Insure on the Spot continues to adapt to the needs of its clients while maintaining a strong local presence.

18. Amigo Insurance Agency

• Website: amigoinsurance.com
• Ownership type: Private
• Headquarters: Cicero, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2003
• Headcount: 51-200
• LinkedIn: amigo-insurance-agency

Amigo Insurance Agency, founded in 2003 and based in Cicero, Illinois, specializes in providing auto insurance services primarily to individual drivers in the Chicago area. With a workforce of approximately 20 employees, the agency has grown to operate over 40 locations, demonstrating its commitment to accessibility and customer service. Amigo Insurance focuses on making the insurance process straightforward and hassle-free, offering a range of coverage options and efficient claims processing. Their online tools facilitate easy management of policies, allowing customers to obtain quotes, make payments, and file claims with minimal effort. The agency prides itself on its customer-centric approach, aiming to provide affordable insurance solutions tailored to the needs of its clients.

19. First Chicago Insurance Company

• Website: firstchicagoinsurance.com
• Ownership type: Private
• Headquarters: Bedford Park, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1920
• Headcount: 51-200
• LinkedIn: first-chicago-insurance

First Chicago Insurance Company, based in Bedford Park, Illinois, has been a player in the insurance industry since its inception in 1920. With a workforce of approximately 143 employees, the company operates as a private entity, focusing on a variety of insurance products. Their primary offerings include personal auto insurance, commercial auto insurance, and general liability insurance. This positions them to serve both individual drivers and businesses seeking to mitigate financial risks associated with accidents and liability claims. The company emphasizes tailored solutions, which reflects their understanding of the unique needs of their clientele. They also provide a range of discounts to enhance affordability, indicating a customer-centric approach. First Chicago Insurance Company operates in several states, including Illinois, Indiana, and Texas, among others, showcasing their regional reach in the auto insurance market.

20. Key Insurance Agency, Inc

• Website: keyinsagency.com
• Ownership type: Family Owned
• Headquarters: Hinsdale, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1974
• Headcount: 11-50
• LinkedIn: key-insurance-agency-inc

Key Insurance Agency, Inc., based in Hinsdale, Illinois, has been serving clients since its founding in 1974. As a family-owned independent insurance agency, it specializes in a variety of insurance products, including auto, health, life, and business insurance. The agency prides itself on providing tailored insurance solutions that help clients manage risk and protect their assets. With a dedicated team of 19 employees, Key Insurance Agency focuses on building long-term relationships with clients and insurance carriers alike. They represent a selection of reputable insurance companies, allowing them to offer competitive rates and comprehensive coverage options. Their commitment to customer service and risk management positions them as a relevant player in the auto insurance market.

21. Accurate

• Website: accurateautoins.com
• Ownership type: Private
• Headquarters: Oak Brook, Illinois, United States (USA)
• Employee distribution: India 67%, United States (USA) 33%
• Founded year: 1992
• Headcount: 11-50
• LinkedIn: accurate

Accurate Auto Insurance, based in Oak Brook, Illinois, has been serving the auto insurance market since its establishment in 1992. The company specializes in affordable auto and motorcycle insurance, with a particular emphasis on catering to high-risk drivers who may face challenges in securing coverage due to past driving violations. Accurate offers a range of products, including SR-22 insurance, rideshare insurance, and motorcycle insurance, making it a comprehensive option for various customer needs. Their operations are primarily online, which allows for efficient quote generation and policy management. The company has built a reputation for providing personalized service and competitive rates, particularly in the metro-Chicago area. With a workforce that includes a significant portion based in India, Accurate maintains a balance of local and international talent to support its operations. They have not reported any funding, indicating a self-sustained business model.

Auto Insurance Insights: Key Companies in Illinois

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