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.
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.
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.
Cost of Car Insurance
Auto insurance companies in Illinois and most of America offer many various driver discounts. For example,
Whenever you call for a quote on car insurance, ask your agent about your discount eligibility.
Auto Insurance Quotes
According to consumer reviews, America's favorite car insurance carriers are
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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