| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| State Farm | −9.4% | 3.3M | 12/4/25 | SFMA-134704563 → |
| Country Financial | −6.0% | 302K | 12/24/25 | CFPC-134703367 → |
| American Family | −5.0% | 62K | 6/18/26 | AMFC-134924309 → |
| Travelers | −3.0% | 83K | 8/22/25 | TRVD-G134637362 → |
| Shelter | −2.8% | 38K | 12/6/25 | SHEL-134682271 → |
| Progressive | −1.7% | 794K | 6/19/26 | PRGS-134970180 → |
| Farmers | +2.3% | 64K | 1/18/26 | FARM-134792823 → |
| GEICO | +1.0% | 113K | 4/3/26 | GECC-134888662 → |
These are approved Illinois Department of Insurance filings, pulled from the public SERFF system — not estimates. Every figure above links to its filing by tracking number. Illinois was one of the most one-sided markets of 2026: almost everyone cut, and the cuts were deep.
State Farm leads a broad, deep cut
State Farm, the state’s largest insurer, cut −9.4% across 3.3 million Illinois policyholders — one of the single largest rate actions in the country this year. Country Financial cut −6.0%, American Family −5.0%, Travelers −3.0% and Shelter −2.8%. When the biggest book drops nearly ten percent and the rest of the market follows, an unshopped renewal is almost certainly overpriced.
The exception: Kemper, +41.5%
One carrier went the opposite way, and dramatically. Kemper raised +41.5% — and its own actuaries backed it (a +41.7% indication), meaning its loss experience on that book ran far ahead of its prices. If you’re a Kemper customer in Illinois, you were repriced hard in a market where nearly everyone else was cutting — the strongest shop-now signal there is.
The backdrop: auto rates nationally are rising far more slowly in 2026 than the ~18% spike of 2025, and Illinois went further than most — a broad, deep round of cuts led by State Farm. If you haven’t re-shopped, the gap between your price and the market is unusually wide.
Your change isn’t the statewide average
Every figure above is a book-wide average; carriers reprice individually on your ZIP, vehicle, age and history, so your actual change may be higher or lower. A carrier that cut on average may still have raised your profile. Comparing for your exact situation is the only way to know where you land.
The one stat that matters: State Farm cut 3.3 million Illinoisans −9.4% and most carriers followed — an unshopped renewal is almost certainly overpriced. Compare every carrier for your exact ZIP →
What to do with your renewal
Approved cuts apply at renewal, not mid-term, and usually reach new customers first. Your renewal shows your carrier’s price; it doesn’t tell you what a competitor would charge for the same coverage today. In a market that cut this broadly, running your ZIP against every carrier is worth doing before you renew — it’s free and takes a couple of minutes.