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Cheap Auto Insurance in Illinois: Best Companies & Quotes
The cost of auto insurance in Illinois is significantly less than it is in many other parts of the country. Drivers in cities like Chicago and the surrounding areas are able to get less expensive insurance than other drivers, but it’s still possible to pay even less. That’s what drivers want to hear. Paying for auto insurance is annoying for those who never use it. You pay for something every month with a significant portion of your budget, but you don’t use it. It seems pointless until you need it, which is when you learn to become grateful for this policy. If you need to find a cheaper insurance policy in Illinois, you’re going to want to learn how to do it.
The average cost for a basic insurance policy in Illinois is only $500 a year, but you can pay less or more depending on what’s most important to you. If your monthly payment is the most important, you can lower your premium. If you want to get the best coverage for the best rates, you’re going to want to know how you can lower your rates and still get the most comprehensive coverage for your vehicle. These tips help Illinois drivers get the best possible price for their insurance without sacrificing the best coverage.
Best Car Insurance Companies in Illinois
- American Family
- State Farm
|Progressive||USAA||American Family||Allstate||Geico||State Farm|
|AM Best Financial Strength Rating||A+||A++||A||A+||A++||A++|
|JD Power 2019 Overall Customer Satisfaction score||3/5||5/5||4/5||3/5||4/5||4/5|
|Avg Annual Premium||$1,170||$952||$1,465||$1,879||$741||$1,092|
|Consumer Reports Reader Score||75||92||76||72||78||78|
|BBB Rating||A+||Not Rated||A||A+||A+||A+|
Auto Insurance Statistics in Illinois
According to NAIC.org, the auto insurance premiums in Illinois have been below national averages for many years. Illinois has been enjoying much lower car insurance rates for more than a decade. The below data shows how Illinois rates for car insurance compare with the national averages.
Top 10 Cheapest Car Insurance Companies in Illinois
|Rank||Company Name||Avg. Annual Premium|
Drunk Driving Fatalities
Drunk driving is a concern in many states across the country. When it comes to driving in the state of Illinois, it is important to understand the level of drunk driving in the state in which you live. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Illinois vs. nationwide.
Drunk driving fatalities in Illinois from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Illinois is higher than the national average and is higher than averages of adult drinking nationwide as well. The below statistics represent the percentage of Illinois drivers that are teenagers who are drinking and driving when compared with national averages.
Teen Drinking & Driving in Illinois vs. Nationwide (2017)
SR-22 Insurance in Illinois
If you commit a driving offence in Illinois, local authorities will consider you a more at-risk driver. For this reason, you will need to purchase an SR-22 — this is a special form of insurance that means the insurer will provide direct evidence of your coverage to the Illinois DMV. This means that you won’t be able to get out of purchasing the right amount of coverage.
Keep in mind, it can take up to 30 days for you to receive approval once you purchase your SR-22 insurance. If you don’t want this type of insurance in Illinois, the only way to avoid it is to pay a $70,000 bond that will cover costs if something goes wrong.
Car Theft in Illinois
The FBI has provided reports on the number of vehicle thefts nationwide. Illinois has lower than average vehicle thefts when compared with the other states across the nation. To protect against vehicle thefts, it is advised to get comprehensive vehicle coverage. The below data shows how Illinois ranks against other states nationwide in the number of car thefts.
Vehicle thefts by rank nationwide vs. Illinois
Uninsured Motorists in Illinois
Uninsured or underinsured motorists who cause car accidents are still liable to pay but without the right insurance coverage, they may not be able to pay upfront. This means that you will pay out of pocket unless you have uninsured and underinsured motorist coverage. The below data shows how well Illinois ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
How to Lower Your Car Insurance in Illinois
Try Several Companies
One of the biggest mistakes you’ll make searching for a car insurance policy for your budget is to assume the company on the television offering the lowest rates is the winner. Try at least three different companies and shop around. There are always better rates available for those who shop around, and you don’t want to sell yourself short assuming one company must have the lowest rates because someone else told you they do. Call at least three, ask for comparisons and go from there.
Ask About the Discounts Available
Many drivers have no idea that there are discounts available to them when they’re paying for auto insurance. It’s not that they’re a secret, but the best car insurance companies aren’t trying to make these savings well-known to those who continue paying higher rates.
- Multiple car discounts
- Multiple policy discounts
- Clean driving discounts
- Online document discounts
- Professional organization discounts
You can get a better rate with your insurance company when you have more than one vehicle on our policy. Ask about that when you call to discuss rates. It’s also a good idea to ask what the discount is if you change your homeowners, life, and other insurance policies over to a company and bundle them together with your auto insurance policy. In fact it’s very common to do a car and home insurance bundle to lower rates. Also if you have a clean driving record, you should get a discount on your auto insurance.
One thing you might not know is you can save a few dollars every month on the cost of your premium by doing nothing more than simply forgoing mailed paperwork. It saves stamps, the cost of envelopes, paper, ink, and even saves a few trees when you opt to have all of your documents emailed to you. The insurance companies save a substantial amount of money on this, which means they’re able to pass on a few of their own savings to you.
If you belong to AAA Car Insurance or another professional organization, you might qualify for a few discounts on your insurance policy. Not all companies offer this to all professional organizations, but you should ask to see if you qualify.
Work on Your Credit
One thing many consumers fail to realize is their credit plays a large role in the insurance rates they pay. Insurance companies take a risk on all the people they work with, and they want to know who they are working with. This means they run your credit and base your premium off your score. If your score is bad, you’ll pay far more. It’s in your best interest to get your financial situation together and begin working on your credit score.
Finding an affordable car insurance policy in Illinois isn’t as difficult as it seems, but you have more options than you realize. Take the time to search for the best policy, and remember the best policy is not always the one that comes with the cheapest price tag in terms of coverage and future financial stability.
Types of Auto Insurance Coverage in Illinois:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Requirements For Car Insurance in Illinois
There are minimum requirements for car insurance in the state of Illinois. According to the Illinois Department of Insurance, it is mandatory to have at least liability coverage as well as uninsured/underinsured motorist coverage.
Liability Coverage minimums for the state of Illinois:
- 20,000 per single bodily injury or death
- $40,000 per multiple bodily injury or deaths
- $15,000 for property damage
- $20,000 per person for uninsured motorists
- $40,000 per accident for uninsured motorists
Cheap Auto Insurance Discounts
CheapAutoInsurance.co was established to help drivers in Illinois and nationwide to find the best auto insurance quotes online and discounts available. With the car insurance discounts listed below, you can find a way to save even more on your auto insurance premiums each month.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Illinois Car Insurance
This section covers the basic information you need to know about Illinois car insurance. Use it to get a good understanding so you can move on to more specific questions.
How does car insurance work in Illinois?
Illinois has a mandatory insurance law. You need to carry insurance that meets the state legal minimums of 25/50/20, which means $25,000 for bodily injury coverage per person, $50,000 per accident, and $20,000 in property damage liability.
What does minimum auto insurance cover in Illinois?
Minimum auto insurance covers damage that you are at fault for to other people and their property. The minimum coverage provides $25,000 per person for bodily injury, up to $50,000 per accident, and $20,000 in property damage coverage.
When I should get an auto insurance in Illinois?
You should get auto insurance in Illinois as soon as you establish residency in the state. You need to register your car with the state to drive legally, and you can’t get registration until you have insurance.
If a student has Illinois insurance and goes to college in Denver what must they do for car insurance?
According to Illinois law, their insurance will cover them in Denver. However, you should check Colorado’s state laws. Most states and insurance companies keep insurance and car residency at the parent’s address while someone is at school.
When does an Illinois auto insurance policy go into effect?
The auto policy will usually go into effect right when you buy it. Your insurance card that you received through mail or email from the company will have your effective start date listed on it.
How to get car insurance in Illinois?
The best way to get car insurance in Illinois is by going online to compare cheap car insurance quotes. These services will allow you to check multiple car companies against each other to find the bets rate for you.
What do I need to get car insurance Illinois?
You’ll need the driver’s license and social security number for anyone who you are going to put on your policy. You’ll also need the VIN for your car.
Illinois Car Insurance Laws
There are lots of different laws that regulate car insurance, and they’re different in every state. This section answers your questions about the different car insurance laws in Illinois.
What is the minimum car insurance in Illinois?
Illinois sets car insurance minimums at $25,000 per person and $50,000 per accident for bodily injury protection and $20,000 for property damage liability. Related: What’s better for auto insurance deductible 500 or 1000?
If you buy a car how long do you have to buy insurance for it in Illinois?
Your current car insurance policy will generally cover you for 4 days after you purchase a new car. After that, you’ll need to transfer your insurance to your new vehicle. If you need new insurance then you can just buy auto insurance online right now.
How long do you have to buy car insurance for a used car in Illinois?
Usually your insurance company will cover your new car for up to four days. However, your best bet is to get insurance on your car as soon as possible to stay legal and protected. Some people traveling will get temporary car insurance USA policies to at least have coverage during a short period.
What do you need for car insurance with a DUI Illinois?
You’ll need to pay much more for car insurance. The cheapest insurance for someone with a DUI in Illinois is Geico, which costs an average of $1,405 per year. Progressive comes in second at $1,537. Compare DUI car insurance rates to get the lowest rate. Compare quotes from several companies to see who has cheap sr22 insurance or at least the cheapest rates for your specific driver profile.
When did car insurance become mandatory in Illinois?
Illinois enacted its mandatory insurance law in the early 70’s, along with a wave of other states that followed Massachusetts’s model.
How to self- insurance a car in Illinois?
Illinois only allows self-insurance for vehicle fleets. You need to own more than 25 cars to qualify. You’ll also need to pay a $200 application fee and demonstrate that you can provide coverage comparable to a commercial insurance company. You may want to talk to Erie Insurance as they tend to have cheap rates according to reviews.
How to cancel auto insurance Illinois?
You can cancel your auto insurance any time. However, the company will ask you why you’re canceling. If you still own the car and aren’t changing to a new insurance provider, then you’ll get a notice from the state that you need to provide proof of insurance or face penalties.
What is the Illinois minimum liability auto insurance?
The minimum liability auto insurance required in the state of Illinois is $25,000 per person for bodily injury up to a max of $50,000 per accident and $20,000 for property damage coverage. To receive a liability only car insurance quote start our quote form above.
What is the Illinois grace period for insurance when buying a car?
Generally, your car insurance company will continue to cover your new car for 4 days after purchase. However, it’s best to change your insurance as soon as possible to stay legal and protected. If you don’t have insurance when you go to buy a car you can ask about getting 1 day car insurance just to get the car home legally.
When must you have proof of car insurance in Illinois?
You must have proof of insurance when pulled over or when you register your car. The police may have access to a database to confirm your insurance and won’t ask for it if they do. You can either print it out online or local auto insurance companies can give you proof.
How to post a bond for auto insurance coverage in Illinois?
You cannot post a bond for auto insurance coverage in Illinois unless you have a fleet of 25 or more vehicles and apply to be self-insured.
What happens in Illinois when you get rid of your car insurance?
You’ll need to pay a reinstatement fee if you want to keep your car registered. You can also turn in your plates to avoid a charge.
When does a teen need car insurance in Illinois?
A teen in Illinois needs insurance as soon as they have their own license. Most often their parent’s insurance will cover them while they’re learning to drive. Check out the cheapest used cars to insure for teenage drivers.
What happens if you get pulled over with no car insurance in Illinois?
If it’s your first or second offense you’ll get a fine of $501-$1,000. After that you’ll get a $1,000 fine with an additional $1,000 fine if you’re driving with a suspended plate. We are sometimes asked about auto insurance no drivers license options too.
How long to transfer auto insurance in Illinois?
You have 15 days to register your car once you move to Illinois. You need insurance before you can register your car, so you should get new insurance within 15 days.
How old do you have to be to get your own car insurance in Illinois?
You can purchase and pay for your own car insurance policy as long as you are of the legal driving age and have a valid driver’s license.
How much is the fine for no car insurance in Illinois?
The fine for not having car insurance in Illinois is between $501 and $1,000 with up to an additional $1,000 fine for driving on a suspended plate. After the second time, your fine will go up to $1,000 with an additional $1,000 fine for driving on a suspended plate.
Does Illinois require motorcycle insurance?
Yes. The only states that don’t require motorcycle insurance are Florida, New Hampshire, Washington, and Montana. We can help you find the cheapest motorcycle insurance though if you need it.
Illinois Car Insurance Prices
Anytime people think about car insurance they think about car insurance prices. This section answers popular questions about car insurance prices in Illinois.
Why is auto insurance so expensive in Illinois?
A lot of it depends on where you live in Illinois. For example, the state average is $1,120 per year, but in Normal the average is $919.
How much is a car insurance per month Illinois?
On average, drivers in Illinois pay $1,120 for car insurance every year. However, where you live in Illinois plays a large role, with Chicago residents paying an average of $1,733 and Normal residents paying an average of $919. You can also check out average cost of auto insurance in our full review.
How much is car insurance in Illinois?
That depends on where you live in the state. But, averaged across the state, a driver in Illinois will pay $1,120 for car insurance.
Who has the cheapest car insurance in Illinois?
It depends what you’re looking for, but on average, the Hartford is the best with an average annual premium of $761. They’re followed by Rockford Mutual and Titan with an average annual cost of $830 and $869 respectively. Also look for companies that have cheap car insurance no money down options.
How much is car insurance for a 16-year-old in Illinois?
If you add a 16 year old to your insurance in Illinois you’ll see an average of a 209% increase, with the average going from $1,176 to $3,635 in the study we looked at.
Does Illinois car insurance decrease when child goes from high school to college?
It can in some circumstances. You’ll need to talk to your insurance company with specific details about your current situation and what the situation will be in the future. If your child isn’t taking the car to school, then it could very well go down.
How much car insurance cost a year in Illinois?
On average, car insurance costs Illinois drivers about $1,120 per year. That’s a good bit above the national average of $1,009 per year. See if you qualify for discount auto insurance in any of the categories of discounts that companies offer.
What zip codes qualify for Illinois reduced auto insurance rate?
There’s no insurance discount for specific zip codes. However, insurance companies will charge less based on where you live, and you’ll need to talk to specific companies about their policies on that. Also look for veterans car insurance discounts if that describes your status.
What is the cheapest Illinois auto insurance company for someone under 25?
In Illinois, drivers under the age of 25 tend to pay around $2,200 for insurance. The best company for people in this age group is Geico, with an average premium of $1,900 per year. See what is the cheapest car insurance company in the country.
How much is auto liability insurance for a 19-year-old girl in Illinois?
On average, auto liability insurance for a 19-year old in Illinois is $3,053 per year. This can be affected by where you live and what kind of car you drive. Related: How much is car insurance for 18 year old drivers?
Who has the cheapest car insurance for a 25-year-old female in Illinois?
Geico is generally the best insurance option for people 25 and under. Their average premium in Illinois for this age group is about $300 less per year than other companies.
How much is car insurance for a 20-year-old male in Illinois?
A 20-year-old male in Illinois should expect to pay about $2,810. The type of car you drive and the area you live will greatly impact your price.
Where to buy car insurance in Illinois?
The best place to buy car insurance in Illinois is the place that offers the coverage you need at the best price. A price comparison tool is a great way to get specific quotes for you and quickly compare different policies and prices. If this is for an old collector car that won’t been driven much then you would benefit from buying the cheapest classic car insurance which would be a lot less than normal insurance.
How much is car insurance for teenage drivers Illinois?
Teenage drivers have an average car insurance cost of between $5.979 and $3,053, starting at 16 and going down every year until age 19. So as you can see young driver insurance is costly but that doesn’t mean you can’t find savings. Comparing quotes from a number of companies is a good start.
What does car insurance cost in Illinois?
Illinois has a higher car insurance cost than the national average. Average car insurance premiums in Illinois are $1,120, whereas they’re $1,009 nationally. It can be less if you find discounts such as car insurance for senior citizens.
How much is it to add another car to insurance in Illinois?
That depends on many factors, like what car you’re adding, which car is your primary vehicle, and so on. Generally though, you should be able to get a multi-vehicle discount from your insurance company to lower your costs.
Can I transfer my SR22 insurance from Colorado to Illinois?
If you have SR22 Colorado insurance then its probably not transferrable to Illinois since the laws are different. You will likely need a new policy. Its best to consult with legal professionals and/or a local insurance agent on this.
Illinois Car Insurance Claims and Coverage
While we hope you never need to use your car insurance, you may have to. This section answers questions about car insurance claims and coverage in Illinois.
In the state of Illinois who is responsible for insurance owner of car or person driving?
The driver’s insurance is responsible for bodily injury and property damage, but the owner’s insurance is responsible for any comprehensive coverage claims on the car itself.
How long can an insurance company legally take to repair my car in Illinois?
There’s no set legal limit on how long a company can take to repair your car. You can file a complaint with the Illinois department of insurance if you have a problem with your company.
What to do in Illinois if you do not have car insurance and got into an accident?
The first thing you should do is contact a lawyer. You are legally liable for any damages you’re at fault for and face fines and fees from the state.
What are auto insurance companies who insure Illinois Uber drivers?
There are several car insurance companies that cover Uber drivers in Illinois, including Allstate, Geico, Progressive, State Farm, and USAA. This is called rideshare insurance and only select companies offer it. Ask the Safe Auto Insurance company if they offer it because their rates can be competitive too.
Other Illinois Car Insurance Questions
There are lots of different questions about Illinois car insurance. This section answers the questions that don’t fit into our other categories.
Who regulates auto insurance companies in Illinois?
The Illinois Department of Insurance is responsible for regulating auto insurance companies in the state.
When your insurance totals your car can you buy it back in Illinois?
You can only get your totaled car back if the vehicle has incurred only hail damage that doesn’t stop the car from working or if the car is nine years old or older. Related: Where can I find salvage car insurance?
Which auto insurance companies offer rideshare extensions Illinois?
Several companies offer rideshare extensions in Illinois, including State Farm, USAA, Farmers, Geico, Allstate, MetLife, SafeCo, and Mercury Auto Insurance.
Who in the state of Illinois do if file a complaint about a car insurance company?
Complaints about car insurance companies should be filed with the Illinois Department of Insurance. They’ll take the necessary steps with your compliant.
When must kids be put on car insurance policy in Illinois?
Kids must be put on a car insurance policy as soon as they have a driver’s license if they are going to be driving. You can add them as a secondary driver to your policy or get them their own policy.
When is car insurance not valid in Illinois?
There are lots of small but uncommon situations where car insurance isn’t valid in Illinois. You’ll need to check the specific wording of your policy to determine when it applies.