Auto Insurance Comparisons for All 50 States


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For Auto Insurance Comparisons all over America, along with top schools, online colleges, American culture, and more, visit any of the links shown below.

Or scan this page for the latest stats, premiums, and fast facts about auto insurance in the state of Illinois

This page will help you score the lowest possible premium rates on Illinois auto insurance.

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Auto Insurance Comparisons to Illinois

The Average Annual Premium for Car Insurance in the state of Illinois was $1,035 last year, which was low compared to the national average annual premium of $1,347. 

Keep in mind that averages can be misleading: It is probably much more expensive to buy car insurance in Chicago than it is to purchase a policy in more rural areas. 




Penalties for Driving Without Insurance

A recent statewide study found that fifteen percent of autos driven on Illinois roads are uninsured.

Insurance analysts note a clear correlation between a state's percentage of uninsured drivers and its rate of traffic-related deaths caused by speeding. 


Illinois now imposes harsh penalties for uninsured drivers, especially on subsequent convictions. Convicted offenders face fines of up to $2,500, in addition to jail time.




Minimum Liability Coverage

By state law, all car owners in Illinois must purchase a minimum auto insurance liability coverage of 20/40/15.

That means no less than $20,000 in Personal Injury Protection (PIP), at least $40,000 to cover death or injury to others, and a minimum of $15,000 to cover the cost of property damage.

Deductibles may also apply. 




Lowering the Cost of Car Insurance

Auto insurance companies in Illinois and most of America offer many various driver discounts. For example,

  • The Anti-Theft Device Discount is for permanently installed, state-approved, anti-theft devices.
  • The Defensive Driving Course Discount is for seniors who pass a state-approved course.
  • The Good Driving Discount is for drivers with no moving violations over a three year period.
  • The Accident-Free discount is for avoiding at-fault accidents over a three-year period.
  • The Good Student Discount rewards adult full-time students who demonstrate academic excellence.
  • The Multiple Line Discount is for holders of more than one insurance policy.
  • The Passive Restraint Discount is for factory-installed airbags.
  • The Vehicle Safety Discount applies to owners of certain types of cars.


Whenever you call for a quote on car insurance, ask your agent about your discount eligibility. 



Obtaining Auto Insurance Quotes

According to consumer reviews, America's favorite car insurance carriers are

  1. Allstate
  2. Auto Owners Insurance
  3. The Hartford
  4. State Farm Insurance
  5. Geico
  6. 21st Century Insurance


Many Illinois drivers choose larger companies, while some prefer local carriers like Erie or Western National.

All you need to do is obtain a few free online quotes. Then call a few local agents for more free quotes, and ask about the discounts.

Finally, do some auto insurance comparisons, and select the cheapest premium package that suits your personal needs.

Above all, drive smart. 





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