|The General Insurance
How to Get Cheap Car Insurance in Illinois?
The car insurance cost is 21.6% less in Illinois as compared to the national average cost. Still, it is difficult to afford for some of the drivers. Hence RateForce has created a list of cheap Illinois car insurance rates from different companies:
Which are the Best Car Insurance Companies in Illinois?
We want the best for our clients. Hence we understand the difference between cheap and best rates. Before declaring the list of the best companies in Illinois, we have checked multiple factors for each company. Some of these factors are a health of the company, how old company is, the reliability and quality score of the company. After evaluating all these factors here is the list of Best Car Insurance Companies in IL:
|The General Insurance
How to Get Best Car Insurance Coverage In Illinois?
Minimum Car Insurance Requirements in Illinois
Every state in the USA has its own rules and laws for traffic and road safety. But the law of carrying minimum coverage is compulsory in every state of the USA. Hence; all the drivers in Illinois have to carry minimum liability coverage to drive in the state legally. Here are the minimum coverage requirements for Illinois state:
- Bodily Injury Liability(BIL):
This type of coverage is important to cover medical bills and expenses. In Illinois, Bodily Injury Liability (BIL) is $25,000 per person along with $50,000 per accident.
- Property Damage Liability(PDL):
In case of an accident, if you have damaged the vehicle or the property of any other person then this will be helpful. Your insurance agency will provide property damage coverage up to $20,000.
- Uninsured and Underinsured Motorist Coverage:
In Illinois, the minimum legal requirement for uninsured motorist property damage coverage is $15,000. For underinsured motorist coverage, $25,000 per person and $50,000 per accident.
Cheap Minimum Liability Car Insurance Companies in Illinois
Here is the list of best companies that provide the lowest average rates to drivers for state minimum insurance coverage in Illinois:
- Progressive: $49 per month
- The General Insurance: $60 per month
- SafeAuto: $71 per month
- Mercury: $79 per month
- Nationwide: $86 per month
Cheap Basic Full Insurance Coverage in Illinois
Here is the list of top insurance companies that provide the lowest average rates to drivers for our unique basic full insurance coverage in IL. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- GEICO: $150 per month
- Progressive: $164 per month
- StateFarm: $176 per month
- Mercury: $184 per month
- Auto Owner: $198 per month
Cheapest Premium Full Insurance Coverage in Illinois
Here is the list of top auto insurance carriers that provide the cheapest full coverage in IL. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- GEICO: $197 per month
- Progressive: $209 per month
- StateFarm: $232 per month
- Mercury: $249 per month
- Auto Owners: $258 per month
Additional Auto Insurance Coverage in Illinois:
Also known as personal injury protection in other parts of the country. MedPay covers the cost of medical bills for your injury caused by a car accident.
- Collision Coverage:
Collision coverage liability is required when your vehicle collides with other person or object. It can be anything, a pole, fence, house, garden, tree, or even a pedestrian.
- Comprehensive Coverage:
This one is important if your vehicle gets stolen or gets damaged by fire, storm, hail, etc. Your insurance company will replace or repair the vehicle.
- Transportation/Funeral Service:
The driver will get coverage for expenses like calling an ambulance, dead body transportation services, and funeral services.
- Roadside Assistance:
If your vehicle broke down in the middle of a deserted place or a highway then you will get the help. The company will send help to repair or tow your vehicle without any extra charges.
- Rental Car Reimbursement:
While your car is under repair; you can rent a car and the charges will be covered by the company.
- Loan/Lease Payoff:
This coverage is helpful in the cases where the vehicle is declared as a complete loss. The insurance carrier will help you to pay the remaining loan or lease amount.
Cheap Car Insurance Quotes in Illinois on Ticket Profile
There are a lot of different factors that affect the rate of car insurance for any vehicle. Some of these factors can be the driver’s age, gender (in a few states), higher education, marital status, etc. Based on these factors there are a few ticket profiles that get higher insurance rates as compared to others.
Cheap Illinois Car Insurance Rates for Drivers with an At-Fault Accident
Once you got the car at-fault accident on your record you will get into the list of highest risk drivers. It doesn’t matter how big was the accident or how much is the loss, the driver will get a higher premium. There are a few ways by which the driver can apply for forgiveness. It is completely on the insurance carrier if they want to accept it or not.
Cheapest Car Insurance for Drivers with a DUI in Illinois
Driving under the influence is a criminal offense and getting caught with DUI affects a lot on the insurance premium. The driver will be declared as an irresponsible and high risky driver. As a result, the insurance premium will be higher.
Cheap Car Insurance for Speeding Drivers in IL
Speeding drivers also come under the category of risky drivers. Your need for speed will only lead to higher insurance premium rates. At the time of ticket generation, the officer adds the speed of the driver in mph in the records. The mph at the time the driver was caught and the total number of speeding tickets define the impact on the insurance rate.
Cheap Car Insurance for Young Drivers in Ilinois
New drivers or Young drivers get the highest insurance premium rates because they are highly risky drivers. Even for the minimum insurance coverage; the young drivers get higher rates.
Young drivers can try to get a good student discount to get lower insurance rates. To get the benefit of a good student discount, the driver must have an average of B score or higher.
Best Auto Insurance for Good Drivers in Illinois
Clean driving records are appreciated in every state. A driver without any at-fault accident, traffic violations, or DUI is considered as a good driver. A driver with a lot of driving experience on different kinds of roads is considered as an experienced driver. A good and experienced driver always gets a lower car insurance premium rate.
|The General Insurance
Cheapest Coverage for Drivers with Poor Credit in IL
Even though checking the credit history of the driver to provide car insurance cost is banned in some states. But the companies still consider it directly or indirectly. As per most auto insurance carriers; drivers with poor credit are less reliable and irresponsible. Hence the car insurance premium for such drivers increases.
If you are looking for affordable auto insurance rates for drivers with a bad credit score then here are the top companies in Illinois:
Which Car Insurance Discounts are available in Illinois
Car insurance is not easily affordable for everyone. Even if the insurance premium in Illinois is a lot less than compared to other states, it is higher for common citizens. There are several ways to save money on car insurance in Illinois. Discounts are an amazing way to lower the insurance rates; here are four discount types applicable in Illinois:
Safety Features Discount:
Advanced safety features always lead to more safety and security for the driver. More safety means fewer chances of accidents, injuries, and deaths. Which as a result leads to less requirement of insurance claims. If your vehicle has advanced safety features like an automatic seat belt, anti-lock brakes, or anti-theft car alarms then ask for discounts.
Multiple Vehicle Discount:
This discount is applicable when a driver has more than one vehicle and need insurance for all of them. The insurance carrier will try its best to convince the driver to buy insurance for all the vehicles from the same company. In that process, the company will provide good discounts to lure the driver.
Upfront Payment Discount:
Insurance companies like to reward the advance payment method. Hence; if a driver decides to pay the annual premium in advance then the company will provide discounts. Advance premium payment saves a lot of time and resources for the company and hence they promote this method.
Policy Bundling Discount:
Also known as Multi-policy discount. This discount is applicable when a driver needs other insurance as well like life insurance, house owner insurance, etc. The insurance company will provide discounted rates for all the policies that the driver needs. The amount of discount is dependent on the company but the driver can negotiate.
SR-22 Car Insurance in Illinois State
SR 22 Insurance is a must if the driver’s license is suspended due to multiple law violations. These violations are driving without insurance, DUI / DWI convictions, Multiple traffic offenses, higher points on driving record, Expired license plates. Applying for SR 22 is not costly but getting SR 22 insurance is not affordable for everyone. Below table explains how the rates of auto insurance increase for drivers with SR-22s in Illinois:
|High-risk Rating Factors
|Average annual rate
|Increase with violations
|At-fault accident (>$2,000)
|Speeding (21-25 mph> limit)
Best Cities for Cheap Car Insurance in Illinois
Every city has its traffic laws, rules, and penalties. Each city has its average car insurance premium rate. Wondering what will be the insurance premium in your city? Then below is the list of the top 10 cities of Illinois with their average premium rates:
|Avg. Annual Premium
FAQs About Car Insurance In Illinois
How to get the cheapest car insurance rates in Illinois?
There are two ways to get affordable car insurance in Illinois:
- Discounts: Types of Car Insurance Discounts Every Driver Should Know About.
- Compare Rates Online and check car insurance rates by states
What is the average car insurance rate in Illinois?
The average car insurance premium rate in Illinois is $1120 which is 21.6 percent less than the national average cost. The average car insurance cost varies based on a lot of factors. Hence; before relying on numbers you should know average car insurance cost.
Is Illinois a no-fault state?
No, Illinois is an at-fault state. That means the driver is responsible for any damages caused to another vehicle, driver, or property. It is important to note that; the fault will be decided by the insurance adjuster. Want to know more about different auto insurance terms? This guide will help with Auto insurance terminology.
How is RateForce different from other car insurance quote comparing websites?
RateForce is one of the leading insurance comparison websites in the USA. Our team makes sure to deliver requirement specific assistance to all our clients. Despite your previous records, DUIs, or violations, we will provide you with the best rates for your car insurance. Moreover; unlike other websites, we will never share or sell your data to anyone. Your data will be safe with encryption so that our employees will get only the data as per the need to know basis.
Which is the most expensive city in Illinois for car insurance?
Chicago is the most expensive city to buy car insurance in Illinois. Chicago is a big city with a huge population, hence the car insurance cost is more. The average car insurance rate is $350 more per year as compared to the other cities of Illinois.
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.