Get the Best Online Illinois Auto Insurance
With over 8 million drivers on the road, the risk of an accident is always possible in Illinois. It doesn’t matter how long you’ve been on the road of the Prairie State – an accident can happen at any time, and having the best possible auto insurance protection just makes sense.
At Insurance Geek, working with our Illinois drivers to get them the best car insurance in Illinois is what we strive for. We’re excited about bringing you the most economical rates on car insurance in Illinois and are ready to work with you to get you the state minimum coverage and beyond.
Keep reading to find the cheapest car insurance in Illinois, as well as to learn about the most important auto insurance policy terms.
Illinois Auto Insurance Minimum Coverage Requirements
Illinois law requires Illinois drivers to have the minimum required coverage to drive legally.
In the state of Illinois, at least “25/50/20” required coverages are needed – you’ll find a breakdown of these numbers below.
We find this is pretty average compared with most states in the US. The state of Illinois also requires you to have underinsured/uninsured insurance. We’ll talk a little more about all of these later on in the article, as well as the additional options for cheap auto insurance.
The state minimum for auto insurance in Illinois is as follows:
Blank in BI/Bodily Injury Liability: $25,000/$50,000 per accident minimum coverage
If you injure someone else while driving or someone driving your car with your permission causes an injury, bodily injury kicks in. If you or someone else driving your car hit a pedestrian, BI also works in your favor. As you know, medical bills can get incredibly expensive, so it makes sense to have this type of protection in case you are liable.
Property damage liability: $20,000 minimum coverage
In Illinois, you’ll need to have a minimum coverage of $20,000 in property damage. We typically find these liability limits may not be enough for customers in the case of major damage and more substantial property damage claims. We’ll go into our recommended amounts below.
Underinsured/uninsured insurance
This kind of insurance that’s required for auto insurance in Illinois accounts for the expenses you and your passengers may face if you are in an accident with a driver who doesn’t have enough insurance.
How much Will I Pay for Insurance in Illinois?
In Illinois, you’ll typically pay right around $800 per year for your auto insurance premiums, which is slightly lower than the national average.
Still, you should know that insurance rates depend on multiple interrelated factors, and you may pay more or less per year than another driver will.
Here’s the breakdown of the most important factors that affect your insurance rates for auto insurance in Illinois:
Age
Young drivers will pay more for car insurance in Illinois because they are inexperienced.
Note that “young drivers” may not only apply to teen drivers, but also to those who have obtained their driver’s license recently or had their license plates suspended and driving privileges regained.
Driving History
Another factor that insurance companies will assess is driver profiles.
A good driver with good driving records, no recent speeding tickets, a car accident, or citations is more likely to get the cheapest car insurance in Illinois.
Your Car
Your car insurance will differ from another person’s depending on your vehicle, too.
Fewer miles will score you a better rate. Additionally, the make, model, and age of the car will make a difference. For instance, drives with sports cars and a more powerful engine under the hood will pay more on average.
Credit Score
Credit score also goes into the equation, and a poor credit score could mean a higher premium.
This is not the most important factor, but it will also affect your insurance rates because insurance companies want to make sure that you are punctual with your payments.
On the other hand, if you improve your poor credit rating and pay your debts and bills regularly, it’s still possible to get cheap car insurance in Illinois.
Location
Living in larger metropolitan areas in Illinois like Chicago means your premiums could be a little higher. In most cases, we’re talking a matter of a few dollars a month.
Here are some of the largest cities in Illinois we provide cheap car insurance for:
- Chicago
- Aurora
- Naperville
- Joliet
- Springfield
- Rockford
Insurance Company
Rates for your auto insurance in Illinois will also vary from one insurance company to another. Insurance Geek works with multiple carriers to ensure that you get cheap car insurance quotes and find the right insurance company for you.
Discounts
You can qualify for various discounts when getting car insurance.
For instance, you can buy multiple insurance products from the same insurance company, and you’ll get a bundling discount – you can combine life and home insurance with your auto policy.
There are also discounts for good drivers with a clean driving record.
If you insure multiple vehicles with the same company, you can also save money.
So, make sure to inform us about your needs, and we’ll help you get the best deal on cheap car insurance in Illinois!
Get Cheap Illinois Car Insurance Quotes
Are you looking for the cheapest car insurance in Illinois?
Here you calculate free quotes for your car insurance.
We only require you to fill out some basic info, and we will give you free quotes from multiple insurers.
Our carriers include over 20 insurance companies, and Nationwide and Safeco are the most recommended.
After you see what the insurers offer, you can compare quotes and decide what’s the right insurance policy and insurance company for you.
An Insurance Geek agent – a real person and an expert in the car insurance industry – will offer you a helping hand with anything during the shopping process.
Are Discounts Available?
Carriers love discounting loyal customers.
Even something as simple as signing up for paperless billing can get you a nice discount. If you’re looking to save, you could also take a defensive driving course in Illinois.
One of the best ways to save is to bundle, which means getting multiple lines of insurance across carriers (home, life, auto, etc., all at once). The more you bundle, the more you’ll be able to save.
What Does Car Insurance Coverage in Illinois Include?
Auto insurance policies and coverage options in Illinois can have a different structure depending on what you get.
Below is the information on the full coverage a driver should obtain to feel entirely protected under any circumstances:
PIP (Personal Injury Protection) or Medical liability
If you or someone in your vehicle is injured as the result of an accident, PIP can protect you, including paying for lost wages if necessary.
It differs from the bodily injury (which is obligatory, PIP isn’t) in the fact that it pays for you and your passengers, whereas bodily injury accounts for the other party.
Underinsured/uninsured insurance
If you’re hit by a driver who has too little or no insurance at all, underinsured/uninsured auto protection can assist you rather than going through a long and tedious court process.
This type of coverage isn’t obligatory in all states, but it is in Illinois, which is a good thing.
Bodily injury
Bodily injury liability insurance is one of the required coverages in Illinois.
It assists you in an at-fault accident in which another person is injured (it applies both to other drivers and their passengers).
In our experience, a bodily injury claim can be quite high, so we recommend getting over the state-required bodily liability limits of $25,000/$50,000 per accident.
Property damage
If you are involved in an at-fault accident, this part of your policy accounts for the costs of repairing or replacing another person’s car.
Property damage claims are very frequent car insurance claims, so it’s recommended to go well above the minimum required coverage limits of $20,000.
Collision coverage
Hitting a moving vehicle as well as a parked car, running up on a curb or into any other kind of objects like a light pole or mailbox – it’s possible to collide with more than other cars.
In this event, collision insurance can protect you, and it should be part of your full coverage.
Comprehensive coverage
If your windshield is cracked, if you hit an animal or an object in the road, if a hailstorm damages your car – in all these different cases, you’ll need to make sometimes major repairs to your vehicle.
This is where comprehensive insurance kicks in, and it’s highly recommended for full coverage.
It allows you to, after a deductible, make insurance claims and replace those inconveniences that damage your car or, in some cases, make it unusable.
In most cases, comprehensive deductibles run right around $500. Some policyholders opt for higher deductibles to lower monthly premiums, but we don’t always recommend this.
Insurance Geek will be able to take a look at your specific situation to determine if your Illinois auto insurance policy should have a deductible of $500, $1000, etc., based on your specific situation.
Are the State Minimums Enough?
For the most part, minimum state-required coverage won’t allow you to meet the cost of major repairs for you or the other driver if you’re in a serious accident.
This is why we tell our customers to get 100/300/100 coverage – meaning, $100,00 in bodily injury, $300,000 total protection per accident, and $100,000 in personal property damage. We find this is typically enough coverage for most of our drivers.
The best way to move forward about how much coverage will work for you, though, is to have a conversation with us. 100/300/100 almost always works for our customers, but we also have to look at the amount of premium you need to pay and a variety of other factors. Insurance requirements are different from state to state, and needs are different from customer to customer, so working with us to get your best rate and to make sure your needs are met is a safe bet.
Car Insurance in Illinois: FAQ
Q: Who has the most affordable car insurance in Illinois?
A: Car insurance companies that have the cheapest auto insurance in Illinois are Nationwide and Safeco. They offer a great variety of insurance products and excellent discounts.
Q: What is the average cost of car insurance in Illinois?
A: The average price of Illinois car insurance is around $800 per year, which is lower than in many other states. However, a variety of factors go into how premiums are determined, including: Age of the driver, previous tickets, claims, or auto accidents in the recent past, age of the auto, make of car, model of car, color, overall driving record, poor credit rating, etc. Customers can also get discounts for bundling or anti-theft or safety devices on the car (etched glass and other safety features). While this seems complicated, you can get free quotes on this page and calculate your price.
Best Illinois Car Insurance Calculator
We work with our Illinois customers to offer the best possible auto insurance protection available. Whether you’re shopping for yourself, you and your spouse, or an entire family unit, we’re here to help!
It’s our goal to make this process easy by having you fill out just one quote form calculator for all your needs. You won’t have to worry about multiple agents calling you, dealing with carriers beyond answering the needed questions to get you insurance, or getting texts on your phone from different companies trying to solicit your business. At Insurance Geek, we do all the hard work for you. We do the research necessary based on your specific situation to get you auto insurance in Illinois you can afford without the hassle.
Whether you’re just shopping for affordable car insurance or you’re looking for multiple lines of insurance, we can help! Let’s talk about your Illinois auto insurance needs so we can connect you with the right policy for you and your family today.