Car Insurance in Illinois: Car insurance in Illinois is essential for protecting drivers from financial loss due to accidents, theft, or damage.
With mandatory coverage requirements, having the right policy ensures legal compliance and peace of mind.
Fortunately, it’s now easier than ever to get free car insurance quotes online, helping drivers quickly compare rates and find the best coverage options.
Overview of Car Insurance in Illinois
Car insurance is a legal agreement between a vehicle owner and an insurance company that provides financial protection against potential accidents or damages. In Illinois, like many other states, car insurance is mandatory for all drivers. The requirement exists to ensure that drivers can cover the costs of damages or injuries they may cause to others while operating their vehicle. Without insurance, drivers would be personally liable for these expenses, which could lead to severe financial hardship.
Why Car Insurance is Mandatory in Illinois
Illinois law mandates car insurance to protect both drivers and victims in case of accidents. This legal requirement ensures that all motorists can afford to cover damages or medical costs from accidents, thus promoting road safety and responsibility. If a driver is caught without the proper coverage, they may face hefty fines, license suspension, and even vehicle impoundment.
Minimum Liability Coverage Requirements in Illinois
Illinois has specific minimum coverage requirements for all drivers. The state requires the following minimum liability coverage:
- $25,000 for bodily injury or death per person in an accident
- $50,000 for total bodily injury or death in an accident
- $20,000 for property damage per accident
In addition to these liability limits, Illinois also requires drivers to carry uninsured motorist coverage. This helps protect against accidents caused by drivers who do not have insurance.
By maintaining the required car insurance, Illinois drivers can meet legal obligations and protect themselves financially in case of an accident.
Types of Car Insurance Coverage in Illinois
When shopping for car insurance in Illinois, it’s essential to understand the different coverage options available. Each type of coverage offers specific protection, helping you choose the right insurance to fit your individual needs. Below are the primary types of car insurance coverage offered in Illinois:
1. Liability Insurance
Liability insurance is a mandatory requirement in Illinois. This coverage protects you financially if you’re responsible for causing an accident. It covers the cost of injuries to other people (bodily injury liability) and damage to their property (property damage liability). In Illinois, the minimum required limits are:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage
Tip: If you have assets to protect, you may want to consider increasing your liability limits beyond the state minimums to avoid out-of-pocket costs in case of a significant accident.
2. Collision Coverage
Collision coverage pays for the repair or replacement of your vehicle if it’s damaged in an accident, regardless of who is at fault. This type of coverage is particularly beneficial for newer or more expensive vehicles that would cost a lot to repair or replace.
Tip: If you have an older vehicle, it may not be worth the extra cost to purchase collision coverage, especially if the car’s value is less than the cost of the coverage.
3. Comprehensive Coverage
Comprehensive coverage protects your car from damages not caused by a collision. This includes theft, vandalism, natural disasters, and hitting an animal. Comprehensive coverage is often required if you’re financing or leasing your vehicle.
Tip: Consider your environment when deciding if comprehensive coverage is necessary. For example, if you live in an area prone to flooding or severe weather, comprehensive coverage could be a wise investment.
4. Uninsured/Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage provides protection if you’re in an accident caused by someone who either doesn’t have insurance or has insufficient coverage. In Illinois, this coverage is required, ensuring you’re not left paying for damages if the other driver cannot.
Tip: Given that a significant percentage of drivers may be uninsured or underinsured, this type of coverage is essential for protecting your financial well-being after an accident.
5. Medical Payments (MedPay)
Medical Payments (MedPay) covers medical expenses for you and your passengers, regardless of who is at fault in an accident. This coverage is beneficial if you have limited health insurance or high deductibles.
Tip: If you have good health insurance, you may not need MedPay, or you may opt for a lower limit. However, it can offer peace of mind for unexpected medical costs following an accident.
Tips for Selecting the Right Car Insurance Coverage
When selecting car insurance in Illinois, consider your personal situation, vehicle, and budget. Here are some factors to guide your decision:
- Driving Habits: If you drive long distances or in areas with high accident rates, more comprehensive coverage may be worth the investment.
- Vehicle Age and Value: Older vehicles may not need collision or comprehensive coverage, while newer cars might benefit from full protection.
- Budget: While it’s tempting to opt for minimum coverage to save on premiums, it can cost more in the long run if you’re involved in an accident. Balance affordability with adequate protection.
By understanding these coverage options and tailoring your car insurance policy to fit your unique needs, you can ensure you’re adequately protected on Illinois roads.
Factors Affecting Car Insurance Rates in Illinois
When determining car insurance premiums in Illinois, several key factors come into play. These factors can significantly impact how much you pay for coverage. Understanding them can help you make informed decisions when shopping for car insurance.
1. Driving Record
One of the most influential factors is your driving history. If you have a clean driving record with no accidents or traffic violations, you’re likely to pay lower premiums. On the other hand, drivers with a history of speeding tickets, accidents, or DUIs will face higher insurance costs. Insurers see these drivers as a higher risk, which is why their rates increase.
2. Age and Experience
Age and driving experience also play a crucial role in determining your car insurance rate in Illinois. Younger and less experienced drivers typically pay more due to their higher likelihood of being involved in accidents. As you gain more experience and maintain a clean driving record, your rates may decrease. For mature drivers, especially those over 25, insurance premiums often drop as they are considered less risky.
3. Type of Car
The make, model, and age of your vehicle can affect your insurance premiums. Luxury cars, sports cars, and high-performance vehicles tend to have higher insurance costs due to the expense of repairs or replacements. Additionally, cars with advanced safety features may qualify for discounts, as they reduce the likelihood of severe accidents.
4. Location Within Illinois
Where you live in Illinois can greatly influence your insurance rate. Urban areas, such as Chicago, generally have higher premiums due to increased traffic, higher chances of accidents, and theft rates. In contrast, rural areas may offer lower premiums because of fewer risks on the road. Insurance companies assess the risk based on your ZIP code to determine the likelihood of claims being filed.
5. Credit Score
In Illinois, your credit score is another important factor that affects your car insurance rate. Insurance companies often use credit-based insurance scores to assess risk. A higher credit score indicates financial responsibility and could result in lower premiums. Conversely, a lower credit score may lead to higher insurance costs, as insurers may view you as a greater risk.
By understanding these factors, Illinois drivers can take steps to lower their car insurance premiums, such as improving their credit score, maintaining a clean driving record, and considering the type of vehicle they drive.
How to Get a Free Car Insurance Quote in Illinois
Getting a free car insurance quote in Illinois is easier than ever, thanks to a variety of tools and resources available at your fingertips. Here’s a step-by-step guide to help you compare car insurance quotes and save money on your policy.
1. Use Online Tools and Comparison Websites
One of the fastest ways to get a free car insurance quote is by using online comparison websites. These platforms allow you to enter basic information about your vehicle and driving habits, and in return, they provide quotes from multiple insurers. Some of the best car insurance comparison tools are:
- The Zebra
- Compare.com
- NerdWallet
By comparing multiple quotes in one place, you can easily find the best deal that suits your budget and coverage needs.
2. Contact Local Insurance Agents
If you prefer a more personalized approach, reaching out to local insurance agents is a great option. Many insurance companies have representatives in Illinois who can provide you with tailored quotes based on your driving record, vehicle type, and coverage preferences. Agents can also help you understand the fine print of your policy, ensuring you get the most value for your money.
3. Use Apps to Compare Rates
Mobile apps have made comparing car insurance quotes even more convenient. Apps like Jerry, Gabi, and Insurify allow you to compare quotes on the go. Simply input your information, and the app will generate quotes from different providers, making it easy to see how much you can save with just a few taps on your phone.
Why Comparing Quotes is Important
Taking the time to compare car insurance quotes can result in significant savings. Insurers calculate premiums differently, and by exploring all your options, you can find the best rate for your desired coverage. Whether you use online tools, contact agents, or compare rates through apps, it’s worth the effort to secure a policy that fits your needs and budget.
By following these steps, you’ll be well on your way to getting free car insurance quotes in Illinois and saving money on your next policy.
Cheap liability insurance in Illinois
The average cost for liability insurance in Texas is $334 for a 6-month policy. For our user profile, GEICO, Travelers, and Erie offer the cheapest liability insurance in Texas.
Liability-only insurance policies are significantly less expensive than full coverage policies. However, it’s because they provide coverage only for damages you cause to others, not for any damage to your own vehicle or injuries you may sustain. This makes liability-only a budget-friendly option, but it leaves you more financially vulnerable in the event of an accident.
Cheapest Liability Coverage in IL
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $220 | $37 |
| Travelers | $238 | $40 |
| Erie | $256 | $43 |
| USAA | $318 | $53 |
| Progressive | $360 | $60 |
| State Farm | $387 | $65 |
| Allstate | $411 | $69 |
Cheap full coverage insurance in Illinois
In Illinois, you should expect to pay around $991 for a six-month policy. 60% of our Illinois drivers opt for full coverage over minimum liability.
While full coverage provides more protection for you and your vehicle, it tends to be more expensive. We recommend starting your search with GEICO and Erie, as, on average, they offer the cheapest full coverage rates in Illinois.
Full coverage quotes in IL
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $531 | $88 |
| GEICO | $730 | $122 |
| Erie | $773 | $129 |
| USAA | $945 | $157 |
| Progressive | $995 | $166 |
| State Farm | $1,169 | $195 |
| Allstate | $1,388 | $231 |
Best car insurance in Illinois — honorable mentions
To identify the top car insurance companies in Illinois, we evaluated J.D. Power ratings and analyzed consumer feedback from nearly 3,000 drivers across Illinois and the U.S.
Car Insurance Companies in Illinois
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $712 | $119 |
| Erie | $773 | $129 |
| USAA | $945 | $157 |
| Grange | $966 | $161 |
| State Farm | $1,169 | $195 |
| Hanover | $1,528 | $255 |
How have car insurance costs in Illinois changed?
Like many states, Illinois has seen many fluctuations in insurance rates over the years. However, for the past five years, the overall trend has been an increase. In 2024 alone, insurance costs increased $106 year over year.
While overall prices might be increasing, Illinois is still comparatively cheaper than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017.
Car Insurance Costs in Illinois
| Year | Avg. Annual Premium | Yearly Change |
|---|---|---|
| 2024 | $1,623 | $106 |
| 2023 | $1,517 | $3 |
| 2022 | $1,514 | $120 |
| 2021 | $1,395 | $110 |
| 2020 | $1,285 | -$4 |
| 2019 | $1,289 | $32 |
| 2018 | $1,257 | -$539 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Car insurance in popular Illinois cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Unsurprisingly, larger cities like Chicago tend to have higher car insurance rates due to increased traffic congestion, higher accident rates, and elevated crime levels, all of which raise the risk for insurers.
Have a look at the table below to see average car insurance costs in some of Illinois’s biggest cities.
Auto Insurance Quotes in Illinois’ Biggest Cities
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Naperville | $922 | $154 |
| Aurora | $939 | $156 |
| Rockford | $986 | $164 |
| Joliet | $1,032 | $172 |
| Chicago | $1,445 | $241 |
Cheap auto insurance for teens and young drivers in Illinois
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance.
In Illinois, teen drivers pay especially high rates: $3,059/six-month policy — that’s $206 less than the nationwide average and over triple that of a typical Illinois driver.
Cheapest Car Insurance Quotes for Young Drivers in TX
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $1,702 | $284 |
| Travelers | $1,906 | $318 |
| GEICO | $2,235 | $372 |
| USAA | $3,084 | $514 |
| Progressive | $3,410 | $568 |
| Allstate | $3,651 | $609 |
| State Farm | $4,218 | $703 |
Illinois auto insurance quotes after an accident or ticket
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. In Illinois, an at-fault accident in recent years could see your car insurance rates increase by as much as 45%.
Curious where you can find the best rates after an at-fault accident? Check out the table below.
Best Insurance Companies in IL After an Accident
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $703 | $117 |
| Erie | $1,045 | $174 |
| GEICO | $1,130 | $188 |
| USAA | $1,369 | $228 |
| State Farm | $1,462 | $244 |
| Progressive | $1,531 | $255 |
| Allstate | $2,165 | $361 |
Tip: Don’t forget about claims satisfaction
In a perfect world, you wouldn’t need to use your insurance. But if you ever do, a smooth claims process makes all the difference. In our 2024 Customer Satisfaction Survey, we found that Erie and USAA stood out for their claims handling. If you’re in Illinois, these companies are worth at least considering.
In Illinois, a poor driving record can lead to steep increases in your insurance rates. If you get a ticket or citation, expect your premiums to rise, though the exact amount depends on the type of violation, your insurer’s policies, and local regulations. This means tickets can affect your rates differently in Illinois compared to other states.
Illinois Auto Insurance Quotes by Violation
| Accident/Violation | Avg. Annual Premium | $ Rate Increase |
|---|---|---|
| None | $1,984 | $0 |
| One Med/PIP claim | $1,997 | $12 |
| Not-at-fault accident | $2,102 | $118 |
| Two Med/PIP claims | $2,147 | $163 |
| One comp claim | $2,150 | $166 |
| Failure to wear a seat belt | $2,299 | $315 |
| Driving without lights | $2,333 | $349 |
| Two comp claims | $2,336 | $352 |
| Child safety restraint | $2,341 | $356 |
| Failure to show documents | $2,373 | $389 |
| Speeding 6 – 10 MPH over limit | $2,418 | $433 |
| Driving with expired registration | $2,438 | $454 |
| Speeding 11 – 15 MPH over limit | $2,483 | $499 |
| Driving too slowly | $2,498 | $514 |
| Failure to yield | $2,500 | $516 |
| Illegal turn | $2,500 | $516 |
| Failure to stop at a red light | $2,518 | $533 |
| Following too closely | $2,525 | $540 |
| At-fault accident – less than $1000 | $2,525 | $541 |
| Speeding 16 – 20 MPH over limit | $2,526 | $542 |
| Speeding in school zone | $2,530 | $546 |
| Wrong way/wrong lane | $2,545 | $561 |
| Improper passing | $2,545 | $561 |
| Texting while driving | $2,592 | $608 |
| Cell phone violation | $2,592 | $608 |
| Passing school bus | $2,615 | $631 |
| In 65 MPH zone | $2,629 | $645 |
| Speeding 21 – 25 MPH over limit | $2,656 | $672 |
| Operating a vehicle without permission | $2,702 | $718 |
| At-fault accident – $1000-$2000 | $2,873 | $889 |
| At-fault accident – greater than $2000 | $2,910 | $926 |
| Open container | $3,016 | $1,032 |
| Reckless driving | $3,495 | $1,511 |
| Racing | $3,527 | $1,543 |
| Driving with a suspended license | $3,595 | $1,611 |
| Refusal to submit to a chemical test | $3,623 | $1,639 |
| DUI | $3,631 | $1,647 |
| Leaving scene of an accident/hit and run | $3,676 | $1,691 |
Tips for Saving on Car Insurance in Illinois
Saving on car insurance in Illinois doesn’t have to be complicated. With a few smart strategies, you can significantly reduce your premiums. Here are some proven tips to help you get the best deal on your car insurance:
1. Bundle Your Insurance Policies
One of the easiest ways to save on car insurance is to bundle your policies. Many insurance companies offer discounts if you combine your auto insurance with other policies, like homeowners or renters insurance. This can lead to significant savings, often up to 25%, depending on your provider. It’s a great way to streamline your coverage while cutting costs.
2. Increase Your Deductibles
Raising your deductibles is another effective way to lower your car insurance premium. A higher deductible means you’ll pay more out of pocket if you file a claim, but it also reduces your monthly or annual premiums. If you’re a safe driver and don’t expect to make frequent claims, this could be a great cost-saving option.
3. Take Advantage of Discounts
Insurance companies offer a variety of discounts that can help reduce your premium. Some common options include:
- Good Driver Discounts: If you have a clean driving record with no accidents or violations, you may qualify for a lower rate.
- Student Discounts: Many insurers offer discounts for students who maintain good grades, typically a “B” average or higher.
- Low Mileage Discounts: If you don’t drive your car often or have a short commute, you may be eligible for a low mileage discount, which can lead to significant savings.
4. Shop Around and Compare Quotes Regularly
It’s essential to compare car insurance quotes from different companies at least once a year. Rates can vary widely between insurers, and shopping around ensures you’re getting the best deal available. Even if you’re happy with your current provider, comparing prices could help you negotiate better rates.
By following these tips, you can make sure you’re not overpaying for car insurance in Illinois. Regularly reviewing your policy, taking advantage of discounts, and making strategic adjustments will help you find affordable coverage that meets your needs.
Best Car Insurance Providers in Illinois
When it comes to choosing the best car insurance providers in Illinois, several companies stand out for their customer service, efficient claim processes, and affordability. Whether you’re looking for nationwide coverage or local expertise, these insurers offer reliable options to meet your needs.
1. State Farm
State Farm is the largest car insurance provider in Illinois, known for its strong customer service and extensive network of local agents. It offers competitive rates and a straightforward claims process, making it a popular choice for drivers. State Farm’s mobile app also enhances the user experience, allowing for easy policy management and quick claims filing.
2. Allstate
Allstate is another top choice for Illinois drivers, offering a variety of discounts that can help make premiums more affordable. Their Drivewise program rewards safe drivers, and the company is praised for its responsive customer service team. Allstate’s claim process is smooth and efficient, ensuring that you can get back on the road quickly after an accident.
3. GEICO
GEICO is often one of the most affordable car insurance providers in Illinois, especially for those who qualify for its many discounts. While GEICO operates primarily online, their digital tools make it easy to manage policies and file claims. The company’s customer service is also well-regarded, providing support when it’s needed most.
4. Progressive
Progressive offers competitive pricing for Illinois drivers, particularly for those with less-than-perfect driving records. The company’s Name Your Price tool allows customers to tailor coverage to fit their budget. Progressive is known for its responsive claim process, as well as customer service that simplifies the complexities of car insurance.
5. Local Providers
In addition to national brands, Illinois is home to several local car insurance providers. These companies often provide more personalized customer service and may offer lower rates in specific regions. When choosing a local provider, it’s important to consider their reputation for claim handling and customer satisfaction.
Illinois drivers have a variety of car insurance options to choose from, each offering unique benefits. Whether you prioritize affordability, excellent customer service, or a fast claims process, the above-mentioned companies are great places to start your search for the best car insurance.
FAQs about Car Insurance in Illinois
1. What is a car insurance quote?
A car insurance quote is an estimate of the premium you’ll pay for auto coverage based on the information you provide. In Illinois, quotes vary depending on factors like your driving history, the type of car you drive, and the coverage options you choose.
2. How can I get a car insurance quote in Illinois?
You can obtain a car insurance quote in Illinois by contacting insurance companies directly, using online comparison tools, or working with an insurance broker. It’s essential to compare multiple quotes to find the best coverage and rates.
3. What factors affect car insurance quotes in Illinois?
Several factors influence car insurance quotes in Illinois, including your age, driving record, credit score, location, and the type of vehicle you drive. Additionally, the level of coverage you choose and any applicable discounts will also affect your quote.
4. Why do car insurance quotes vary between providers in Illinois?
Car insurance quotes differ between providers because each company uses its own formula to assess risk. These variations in underwriting standards, discount offerings, and coverage options can lead to different premium estimates for the same driver.
5. How can I lower my car insurance quote in Illinois?
To reduce your car insurance quote in Illinois, consider raising your deductible, bundling policies, maintaining a good credit score, and taking advantage of discounts like safe driver or multi-vehicle discounts. Regularly reviewing your policy and shopping around can also help you find lower rates.
6. Is car insurance mandatory in Illinois?
Yes, Illinois law requires all drivers to carry a minimum amount of liability insurance. Driving without insurance can result in fines, license suspension, and other penalties.
7. What are the minimum car insurance requirements in Illinois?
In Illinois, drivers must carry at least $25,000 per person and $50,000 per accident for bodily injury liability, plus $20,000 for property damage liability. Uninsured motorist coverage is also mandatory.
8. Can I get a quote for car insurance in Illinois with a bad driving record?
Yes, you can still obtain car insurance quotes in Illinois with a bad driving record, but expect to pay higher premiums. Some insurers specialize in high-risk drivers and may offer more competitive rates.
9. How often should I shop for car insurance quotes in Illinois?
It’s advisable to shop for car insurance quotes in Illinois at least once a year or whenever there’s a significant change in your driving status, such as moving, buying a new car, or adding a driver to your policy.
10. What should I consider when comparing car insurance quotes in Illinois?
When comparing car insurance quotes in Illinois, look beyond the price. Consider the coverage options, customer service reputation, claim process, and any available discounts. It’s crucial to ensure that the policy meets your needs and provides adequate protection.
Conclusion
Securing the right car insurance in Illinois is not just about following the law—it’s about protecting yourself and your vehicle from potential financial risks. Whether you’re driving through the bustling streets of Chicago or the quiet roads of rural Illinois, having the right coverage ensures peace of mind. With various car insurance options available, finding a policy that fits your budget and meets your coverage needs is crucial.
To get the best rates, we encourage you to get a free quote today. Comparing multiple quotes allows you to explore different options and find the perfect balance between coverage and affordability. Don’t wait—secure the protection you need and drive with confidence!
References
To ensure the accuracy and reliability of the information provided in this guide on car insurance quotes in Illinois, we’ve cited reputable sources that you can explore for further reading and validation. These references will help you gain a deeper understanding of the topic and make informed decisions when choosing your car insurance policy in Illinois.
- Insurance Information Institute (III)
A trusted source for insights into the insurance industry, offering detailed explanations on various types of coverage, cost factors, and trends specific to Illinois. Learn more on the Insurance Information Institute website. - National Association of Insurance Commissioners (NAIC)
This organization provides tools and resources for consumers to compare insurance rates and understand the financial strength of insurers operating in Illinois. Check out the NAIC Consumer Information Source. - Consumer Reports
Known for its unbiased product reviews and ratings, Consumer Reports also offers guidance on selecting the best car insurance based on value, customer service, and coverage options. Explore car insurance ratings on Consumer Reports. - The Zebra
A popular online comparison tool that offers real-time quotes from multiple insurers, tailored to your specific needs and location within Illinois. Compare car insurance quotes on The Zebra.
These references are provided to help you verify the details mentioned in this article and to empower you with the knowledge needed to secure the best car insurance policy for your needs in Illinois.
