Illinois Car Insurance Quotes: Car insurance in Illinois is essential for protecting drivers against financial losses from accidents, theft, and damages.
It not only ensures compliance with state law but also offers peace of mind on the roads. Whether you’re navigating busy city streets or rural areas, having the right insurance coverage is crucial for every Illinois driver.
Understanding Car Insurance in Illinois
Car insurance in Illinois is designed to protect you financially in case of an accident. It’s essential to understand the mandatory car insurance laws in the state to ensure you’re adequately covered and legally compliant. Let’s delve into the specifics of what’s required for drivers in Illinois.
Mandatory Car Insurance Laws in Illinois
- Liability Insurance: Illinois law requires all motor vehicle owners to have liability insurance, which covers bodily injury and property damage that you may cause to other people in an accident. It does not cover injuries to you or damages to your vehicle.
- Uninsured Motorist Coverage: This is mandatory and protects you if you’re in an accident with a driver who does not have liability insurance. This coverage is crucial because it ensures that you have some form of financial recourse for medical expenses resulting from an accident caused by an uninsured driver.
- Underinsured Motorist Coverage: While this is not required by state law, it is highly recommended. It covers the gap between someone else’s liability coverage (if it’s too low) and your actual costs of bodily injury caused by an underinsured driver.
Types of Coverage Required
- Bodily Injury Liability: This coverage is crucial and pays for injuries that you, as the policyholder, have caused to someone else. The minimum limits are $25,000 per person and $50,000 per accident.
- Property Damage Liability: This policy covers the cost of damages to someone else’s property resulting from an accident you caused. The minimum limit is $20,000 per accident.
- Uninsured Motorist Bodily Injury: This coverage helps cover medical expenses for you and your passengers if injured by an uninsured driver. Illinois requires this coverage at the same minimum limits as bodily injury liability.
However, always consider your coverage options and ensure you’re adequately insured to navigate the roads with peace of mind.
Factors Influencing Car Insurance Quotes in Illinois
When searching for car insurance in Illinois, understanding the factors that influence your rates can help you find the best coverage at the most affordable price. Insurers consider several aspects of your profile and vehicle to determine premiums. Here’s a breakdown of the key factors:
1. Driving Record: Your driving history is one of the most influential factors. Insurers look at past accidents, speeding tickets, and DUI convictions to assess risk. A clean driving record typically leads to lower premiums, while infractions can increase costs.
2. Age and Experience: Younger drivers, especially those under 25, often face higher rates due to their perceived inexperience and higher risk of accidents. Conversely, mature drivers with long histories of safe driving can benefit from lower premiums.
3. Vehicle Type: The make, model, and year of your vehicle significantly affect your rates. High-performance vehicles or cars with a high theft rate typically cost more to insure. Safer vehicles, often those with good crash test scores or additional security features, may qualify for lower rates.
4. Location: Where you live in Illinois can impact your insurance costs. Urban areas with higher traffic density and theft rates generally see higher premiums than rural areas. Additionally, factors like local weather conditions and road safety can play a role.
5. Credit Score: In Illinois, insurers can use your credit score to help determine your rates. A higher credit score might suggest more reliability and responsibility, potentially lowering your premiums.
7. Annual Mileage: The distance you drive annually also factors into your costs. Less time on the road means reduced risk of accidents and therefore could lead to cheaper insurance rates.
By understanding these factors, Illinois drivers can better navigate their options and potentially lower their car insurance costs. Always compare quotes from multiple insurers to ensure you receive the best rate based on your specific circumstances.
Comparing Car Insurance Providers in Illinois
When it comes to finding the best car insurance in Illinois, it’s essential to compare various providers to ensure you’re getting the best coverage at the most affordable price. Below, we’ve listed some of the top car insurance providers in the state, along with criteria you should consider when comparing their quotes.
List of Top Car Insurance Providers in Illinois:
- State Farm: Known for its excellent customer service and comprehensive coverage options.
- Allstate: A popular choice in Illinois for its customizable policies and multiple discount opportunities.
- Geico: Offers competitive pricing and straightforward policy management through its mobile app.
- Progressive: Renowned for its flexible policy options and usage-based insurance plans.
- USAA: Best suited for military members and their families, providing exceptional service and rates.
Criteria to Consider When Comparing Quotes:
- Coverage Options: Evaluate what types of coverage each provider offers. Look for policies that include liability, collision, and comprehensive coverage that suit your needs.
- Price: Compare the premiums. Sometimes, a slightly higher premium might offer substantially better coverage that’s worth the extra cost.
- Discounts: Check for discounts such as multi-car discounts, safe driver discounts, and discounts for automatic payments.
- Customer Reviews and Satisfaction: Research customer reviews to gauge the satisfaction of others with the insurer’s service and claim handling.
- Ease of Access: Consider how easy it is to manage your policy and file claims, whether online or through a mobile app.
- Financial Strength: An insurer’s ability to pay claims is crucial. Look up ratings from agencies like A.M. Best to understand the financial stability of the insurance provider.
By carefully evaluating these factors, you can choose a car insurance provider in Illinois that not only meets your coverage needs but also provides excellent service and value for your money.
How to Get Car Insurance Quotes in Illinois
Getting accurate car insurance quotes in Illinois is essential for ensuring you receive a fair price and adequate coverage. Here’s a step-by-step guide to help you navigate the process efficiently:
- Gather Your Information: Before you start, make sure you have all necessary information on hand. This includes your driver’s license, vehicle registration, current insurance policy, driving history, and details of any recent claims.
- Choose Your Coverage Level: Decide what type of coverage you need. Illinois mandates certain minimums, but you might want to consider additional coverage depending on your vehicle’s value and your personal needs.
- Compare Insurance Providers: Visit the websites of several insurance companies that operate in Illinois. Most providers offer a free quote tool that simplifies the process. Alternatively, you can call them directly if you prefer a more personal interaction.
- Enter Accurate Information: When using online tools or speaking with an agent, be honest and precise about your driving history and vehicle details. Accuracy is crucial as it directly influences the reliability of your quotes.
- Review Multiple Quotes: Don’t settle for the first quote you receive. Compare different quotes to see who offers the best coverage for the best price. Pay attention to customer service ratings and the ease of filing claims with each company.
- Ask About Discounts: Inquire about any discounts you might be eligible for. Many companies offer reductions for good driving records, multiple cars, safety features installed in the vehicle, and more.
- Read the Fine Print: Before making a final decision, carefully review the terms and coverage limits of the policy. Ensure there are no hidden fees or clauses that could affect you adversely.
Importance of Accurate Information for Precise Quotes
Providing accurate information is critical when obtaining car insurance quotes. Here’s why:
- Risk Assessment: Insurance companies determine your rates based on the risk they perceive. Inaccurate information might lead to incorrect risk assessment, resulting in higher premiums or issues with claims.
- Policy Validity: Any discrepancies in your application can lead to a denial of claims or cancellation of the policy. Always ensure your details are correct to maintain the validity of your insurance.
- Customized Coverage: Accurate information helps in tailoring the coverage to fit your specific needs. This ensures you are neither over-insured nor under-insured, maintaining a balance between cost and protection.
By following these steps and understanding the importance of accuracy in your application, you can ensure that you get the most reliable and cost-effective car insurance in Illinois.
Illinois car insurance premiums by rating factor
Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Illinois.
Cheap auto insurance in Illinois for minimum coverage
Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Illinois, the average cost for minimum coverage is $43 per month, or $516 yearly — a savings of $983 compared to full coverage.
Auto insurance companies for minimum coverage in Illinois
| Company | Avg. Annual Premium |
|---|---|
| GEICO | $356 |
| State Farm | $400 |
| Travelers | $498 |
| USAA | $525 |
| Progressive | $541 |
| Nationwide | $585 |
| Allstate | $620 |
| Farmers | $930 |
Cheap auto insurance in Illinois with bad credit
Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Illinois drivers with poor credit pay 52% more per year than those with exceptional credit. Have a look at some common rates by credit tier below.
Auto insurance rates by company for bad credit in Illinois
| Company | Avg. Annual Premium |
|---|---|
| GEICO | $1,611 |
| Travelers | $1,735 |
| Nationwide | $1,934 |
| USAA | $2,426 |
| State Farm | $2,576 |
| Progressive | $2,763 |
| Farmers | $2,860 |
| Allstate | $3,255 |
Cheap auto insurance in Illinois with an at-fault accident
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. An at-fault accident in recent years could see your car insurance rates increase by as much as $678 per year.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.Auto insurance rates for at-fault accidents by company in Illinois
| Company | Avg. Annual Premium |
|---|---|
| Travelers | $1,467 |
| State Farm | $1,501 |
| GEICO | $1,884 |
| USAA | $2,000 |
| Nationwide | $2,233 |
| Progressive | $2,389 |
| Farmers | $2,640 |
| Allstate | $3,726 |
Cheap auto insurance for 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: $4,409 per year — that’s $387 less than the nationwide average and over twice as much as a typical Illinois driver.
Auto insurance rates by company in Illinois for young drivers
| Company | Avg. Annual Premium |
|---|---|
| GEICO | $3,808 |
| Travelers | $4,142 |
| State Farm | $4,386 |
| USAA | $4,498 |
| Nationwide | $4,901 |
| Progressive | $6,002 |
| Allstate | $6,612 |
| Farmers | $8,765 |
Illinois auto insurance rate by violation
In Illinois, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer’s pricing standards, and differing local insurance regulations and risks. That’s why tickets may have a different impact on insurance in your state compared to the national average.
Average auto insurance rates by violation in Illinois
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $1,514 | 0% | $0 |
| One Med/PIP claim | $1,523 | 1% | $9 |
| Not-at-fault accident | $1,594 | 5% | $80 |
| One comp claim | $1,622 | 7% | $108 |
| Two Med/PIP claims | $1,625 | 7% | $111 |
| Two comp claims | $1,754 | 16% | $240 |
| Driving without lights | $1,762 | 16% | $248 |
| Child safety restraint | $1,766 | 17% | $252 |
| Failure to show documents | $1,799 | 19% | $285 |
| Failure to wear a seat belt | $1,824 | 20% | $310 |
| Driving with expired registration | $1,832 | 21% | $318 |
| Speeding 6 – 10 MPH over limit | $1,851 | 22% | $337 |
| Speeding 11 – 15 MPH over limit | $1,898 | 25% | $384 |
| Driving too slowly | $1,907 | 26% | $393 |
| Illegal turn | $1,911 | 26% | $397 |
| Failure to yield | $1,914 | 26% | $400 |
| At-fault accident – less than $1000 | $1,914 | 26% | $400 |
| Failure to stop at a red light | $1,918 | 27% | $404 |
| Speeding 16 – 20 MPH over limit | $1,920 | 27% | $406 |
| Speeding in school zone | $1,922 | 27% | $408 |
| Following too closely | $1,936 | 28% | $422 |
| Improper passing | $1,938 | 28% | $424 |
| Wrong way/wrong lane | $1,956 | 29% | $443 |
| Cell phone violation | $1,966 | 30% | $452 |
| Texting while driving | $1,966 | 30% | $452 |
| Passing school bus | $1,989 | 31% | $475 |
| Speeding 21 – 25 MPH over limit | $2,025 | 34% | $511 |
| In 65 MPH zone | $2,103 | 39% | $589 |
| Operating a vehicle without permission | $2,110 | 39% | $596 |
| At-fault accident – $1000-$2000 | $2,170 | 43% | $656 |
| At-fault accident – greater than $2000 | $2,194 | 45% | $680 |
| Open container | $2,350 | 55% | $836 |
| Reckless driving | $2,678 | 77% | $1,164 |
| Racing | $2,697 | 78% | $1,183 |
| Driving with a suspended license | $2,754 | 82% | $1,240 |
| Refusal to submit to a chemical test | $2,768 | 83% | $1,255 |
| DUI | $2,775 | 83% | $1,261 |
| Leaving scene of an accident/hit and run | $2,827 | 87% | $1,313 |
Illinois DUI laws
In Illinois, a DUI offense can increase your annual car insurance premium by an average of $578. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Illinois
If you’re convicted of a DUI or DWI violation in Illinois, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Illinois, Travelers, advertises annual rates 19% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Illinois is State Farm, while the priciest firm is Allstate, with prices 59% above average.
Auto insurance companies in Illinois for DUIs
| Company | Avg. Annual Premium |
|---|---|
| Travelers | $1,603 |
| State Farm | $1,731 |
| Progressive | $1,878 |
| Farmers | $2,509 |
| GEICO | $2,674 |
| USAA | $2,841 |
| Nationwide | $2,854 |
| Allstate | $3,142 |
Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Twin Grove, Illinois, and the most expensive in Dolton, Illinois.
Have a look at the table below to see average car insurance costs in some of Illinois’s biggest cities.Rates by city in Illinois
| City | Avg. Annual Premium |
|---|---|
| Naperville | $1,431 |
| Aurora | $1,463 |
| Rockford | $1,504 |
| Joliet | $1,573 |
| Chicago | $2,171 |
Car insurance price trends in Illinois
In Illinois, average annual auto insurance costs increased by $110 in the past year. A typical Illinois driver pays an average of $1,395 per year.
The recent pricing trend in Illinois leans toward slightly cheaper car insurance costs than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
ILLINOIS CAR INSURANCE RATE TRENDS
| Year | Avg. Annual Premium — Illinois | Yearly Change — Illinois | Avg. Annual Premium — US | Yearly Change — US |
|---|---|---|---|---|
| 2021 | $1,395 | $110 | $1,529 | $46 |
| 2020 | $1,285 | -$4 | $1,483 | -$61 |
| 2019 | $1,289 | $32 | $1,544 | $23 |
| 2018 | $1,257 | -$539 | $1,521 | $84 |
| 2017 | $1,796 | $234 | $1,437 | $69 |
| 2016 | $1,562 | -$323 | $1,368 | $88 |
| 2015 | $1,885 | $216 | $1,280 | $51 |
| 2014 | $1,669 | $155 | $1,229 | $34 |
| 2013 | $1,514 | -$63 | $1,195 | -$80 |
| 2012 | $1,577 | $323 | $1,276 | $82 |
Tips for Lowering Car Insurance Premiums in Illinois
Car insurance is a necessary expense for Illinois drivers, but that doesn’t mean you have to overpay. By understanding how premiums are calculated and taking specific steps, you can significantly reduce your insurance costs. Here are some practical recommendations to help you lower your car insurance premiums in Illinois:
Recommendations for Reducing Costs:
- Shop Around: Regularly compare insurance quotes from multiple providers to ensure you’re getting the best deal. Prices can vary widely between companies.
- Bundle Policies: Consider bundling your car insurance with other policies, such as homeowner’s insurance, to qualify for multi-policy discounts.
- Increase Your Deductible: Opting for a higher deductible can lower your premium costs. However, ensure you can afford the deductible in case of an accident.
- Take Advantage of Discounts: Ask your insurer about discounts for safe driving, being a good student, or installing anti-theft devices in your vehicle.
- Drive Less: Lower your mileage by using public transportation or carpooling. Insurers often offer low-mileage discounts to drivers who aren’t on the road as often.
- Improve Your Car’s Safety: Equip your car with safety features like anti-lock brakes or adaptive headlights. Insurers might offer discounts for cars that are less likely to be involved in accidents or easier to drive safely.
Role of Credit Score and Claims History in Premiums:
- Credit Score: In Illinois, as in many states, insurers use your credit score as an indicator of your risk level. A higher credit score can lead to lower premiums, as it suggests financial reliability and responsibility.
- Claims History: Your past claims history is also a significant factor. Drivers with a history of frequent claims may be seen as higher risks, which can increase insurance costs. Conversely, a clean claims record can lead to lower premiums.
By focusing on these areas, Illinois drivers can actively manage and reduce their car insurance costs while ensuring they remain adequately covered on the road.
Legal Requirements and Penalties of Illinois Car Insurance Quotes
When driving in Illinois, it’s crucial to understand the state’s specific requirements for car insurance to ensure compliance and avoid potential penalties. This guide will provide a clear overview of what you need to secure for your vehicle under Illinois law and the consequences of driving without valid insurance.
Illinois State Requirements for Car Insurance
Illinois law mandates that all motor vehicle owners must carry liability insurance that meets specific minimum coverage limits. Here’s what you need to know about these requirements:
- Bodily Injury Liability: This coverage helps cover costs related to injuries or death that you or another driver cause while operating your vehicle. Illinois requires a minimum of $25,000 per person and $50,000 per accident.
- Property Damage Liability: This type of insurance covers the expense of damage to another person’s property—such as vehicles, homes, or buildings—caused by your vehicle. The minimum requirement in Illinois is $20,000 per accident.
- Uninsured Motorist Bodily Injury: This policy covers injuries to you and your passengers caused by an uninsured driver or a hit-and-run accident. The minimum coverage is $25,000 per person and $50,000 per accident.
These minimum coverages are designed to ensure that all drivers have some level of financial protection in the event of an accident. It’s important to consider purchasing higher limits and additional types of coverage—such as collision, comprehensive, and medical payments—to further protect yourself financially.
Consequences of Driving Without Valid Insurance in Illinois
Driving without car insurance in Illinois is illegal and carries significant penalties that can impact your driving privileges and financial health. Here are the key consequences you might face if caught driving without valid insurance:
- Fines and Penalties: The initial fine for driving uninsured in Illinois can range from $500 to $1,000. Repeated offenses may result in higher fines.
- Suspension of Vehicle Registration: If you are found driving without insurance, your vehicle registration can be suspended, requiring a $100 reinstatement fee and proof of insurance to restore it.
- License Suspension: For repeated offenses, your driver’s license may be suspended, which involves additional reinstatement fees and possibly being required to carry SR-22 insurance, which is a document your insurance company files to prove you have insurance. This can significantly increase your insurance rates.
- Legal Liability: Beyond state penalties, driving without insurance exposes you to severe financial risk. If you are at fault in an accident and lack insurance, you could be held personally responsible for all damages, potentially leading to overwhelming debt or even bankruptcy.
To stay compliant with Illinois law and safeguard against the high costs associated with accidents, it is advisable to maintain adequate car insurance coverage at all times.
FAQs about Illinois Car Insurance Quotes
What are the minimum car insurance requirements in Illinois?
In Illinois, drivers are required to have liability insurance that covers at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident. This coverage is often summarized as 25/50/20.
Is uninsured motorist coverage mandatory in Illinois?
Yes, Illinois law mandates that all auto insurance policies include uninsured motorist coverage. This coverage must equal the minimum amounts of bodily injury liability coverage, which is $25,000 per person and $50,000 per accident.
How can I get the best car insurance rates in Illinois?
To secure the best rates, consider comparing quotes from multiple insurers. Enhance your chances by maintaining a clean driving record, improving your credit score, and opting for higher deductibles. Additionally, look for discounts such as multi-policy, safe driver, or good student discounts.
Will my credit score affect my car insurance rate in Illinois?
Yes, most insurers in Illinois consider credit scores when determining your insurance premiums. Drivers with higher credit scores often receive lower rates as they are perceived as less risky to insure.
What happens if I’m caught driving without insurance in Illinois?
Driving without insurance in Illinois is a serious offense. If caught, you can face fines ranging from $500 to $1,000, suspension of your vehicle registration, and possible suspension of your driver’s license.
Can I purchase additional coverage beyond the minimum required in Illinois?
Absolutely. While basic liability coverage meets state requirements, many drivers opt for additional coverage such as collision, comprehensive, and higher liability limits to ensure greater protection against all types of road incidents and financial liabilities.
Conclusion
In summary, diligently shopping for the best Illinois Car Insurance Quotes is crucial in ensuring you secure comprehensive coverage at the most favorable rates. By comparing different providers, you not only gain insight into various offerings but also position yourself to take advantage of competitive premiums that align with your needs and budget.
Remember, the right car insurance policy offers more than just financial protection; it brings peace of mind on the road. Take the time to evaluate multiple quotes, understand the coverage details, and choose a provider that offers the best value for your investment.
Empower yourself with the right information and make an informed decision to protect your vehicle and your financial future.
References
For more detailed insights and additional information on getting competitive car insurance quotes in Illinois, consider exploring the resources listed below. These sources are reputable and provide comprehensive data that can help you make informed decisions about your car insurance needs:
- Illinois Department of Insurance: Visit the official Illinois Department of Insurance website for guidelines and regulatory information about car insurance in the state. Illinois Department of Insurance.
- Insurance Information Institute: The Insurance Information Institute offers a wealth of data on various aspects of car insurance, including coverage options and tips for choosing the right policy. Insurance Information Institute.
- Consumer Reports – Car Insurance Guide: This guide provides reviews and comparisons of different car insurance providers in Illinois, helping you understand what to expect from various insurers. Consumer Reports – Car Insurance.
- NerdWallet – Compare Illinois Car Insurance Rates: NerdWallet allows you to compare car insurance rates in Illinois, providing a practical tool for seeing how different quotes stack up against each other. NerdWallet Insurance Comparison.
Each of these resources can provide valuable information that enhances your understanding of car insurance options in Illinois, aiding in the decision-making process.
