Car Insurance in Illinois
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Illinois Car Insurance Quotes
Illinoisans are no stranger to strong winds and wintry weather, and their car insurance premiums reflect the state's varied climate. On average, Illinois drivers pay $183 monthly for auto insurance, which is comparable with the nationwide average car insurance rate of $189. Other factors influencing Illinois car insurance rates include the driver's age and driving history, vehicle type, and consumer profile, which we considered in our evaluation.
If you're stuck paying higher car insurance rates, request Illinois car insurance quotes to find out if there are more affordable options. Read on to learn more.
Illinois Car Insurance Laws
Illinois vehicle owners must have adequate liability coverage before operating a vehicle. In 2020, Illinois initiated an Electronic Liability Insurance Verification program for all Illinois-registered vehicles. The program verifies insurance coverage twice each year. Anyone without coverage may face fines or penalties unless they can prove coverage.
“ Illinois does not offer a new car insurance grace period. You must obtain liability coverage before driving [a new car]. ”
What is the minimum car insurance coverage in Illinois?
- $25,000 for the death or injury of one person
- $50,000 for the death or injury of two or more people
- $20,000 for property damage
- $25,000 for uninsured motorist (UM) bodily injury per person
- $50,000 for uninsured motorist bodily injury per accident
Some drivers may need underinsured motorist bodily injury insurance if their UM coverage is above state-specified minimum limits.
What happens if I drive without car insurance in Illinois?
The penalties for driving without insurance in Illinois include a minimum $500 fine and license plate suspension. If you're caught driving with suspended license plates, you may incur a second fine of up to $1,000. Violators must demonstrate they have appropriate insurance and pay a $100 reinstatement fee to reinstate their plates.
Illinois does not offer a new car insurance grace period. If you purchase a new or used vehicle, you must obtain liability coverage before driving it. Owners who obtain a lease or loan may need comprehensive or collision insurance to comply with their loan agreement.
How much is car insurance in Illinois?
State Minimum
Full 50/100
Full 100/300
It costs about $60 per month to insure your car with minimum state coverage requirements. The number ranges from as low $37 to as high as $93 depending on your city and insurance provider.
Who has the best price for car insurance in Illinois?
Illinois offers a wide array of car insurance providers to consider. For those prioritizing affordability, some carriers consistently provide lower rates than their competitors. The cost of your policy will largely depend on your individual profile. To account for this variability, we used a standard profile seeking 50/100 coverage to compile this top 10 list of the most affordable providers in Illinois:
| Rank | Insurance company | Average monthly premium | |||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Travelers | $103 | |||||||||||||||||||||||||||||||||
| 2 | Country Financial | $123 | |||||||||||||||||||||||||||||||||
| 3 | Secura | $136 | |||||||||||||||||||||||||||||||||
| 4 | Auto Club | $150 | |||||||||||||||||||||||||||||||||
| 5 | State Farm | $153 | |||||||||||||||||||||||||||||||||
| 6 | Erie Insurance | $154 | |||||||||||||||||||||||||||||||||
| 7 | GEICO | $159 | |||||||||||||||||||||||||||||||||
| 8 | Auto Owners | $159 | |||||||||||||||||||||||||||||||||
| 9 | USAA | $162 | |||||||||||||||||||||||||||||||||
| 10 | Progressive | $167 | |||||||||||||||||||||||||||||||||
Avg. monthly premiums are weighted by zip code population sizes What city in Illinois has the cheapest car insurance?Like most large states, the cost of car insurance in Illinois is determined heavily by the specific city and ZIP code you reside in. To give a sense of how prices differ, here's a look at prices across the 10 largest cities in the Prairie State:
Frequently Asked Questions What is the quickest way to reduce my insurance premium in Illinois?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Illinois?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Illinois?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.
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