|Safe Auto||$43 /mo|
|The General Insurance||$59 /mo|
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 we have created a list of cheap Illinois car insurance rates from different companies:
Best Car Insurance Rates 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:
|Safe Auto||$43 /mo|
|The General Insurance||$59 /mo|
|Elephant Insurance||$79 /mo|
|Travelers Insurance||$105 /mo|
How to Find Best Car Insurance Coverage Policy In Illinois?
Minimum Illinois Car Insurance Requirements
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.
Additional 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.
- Vehicle 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.
Car Insurance Quotes in Illinois Based 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 Car Insurance in IL for Drivers with At-Fault History
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.
|State Farm||$58 /mo|
|State Farm||$70 /mo|
Car Insurance in Illinois for Drivers With DUI
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.
IL Car Insurance Rates for Speeding Drivers
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.
|Country Financial||$50 /mo|
Car Insurance Rate for New/ 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.
Illinois Auto Insurance for Good and Experienced Drivers
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||$62 /mo|
|State Farm||$72 /mo|
Auto Insurance Discounts 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. 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.
Auto Insurance for SR-22 in Illinois
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)||$2,109||$767|
|Speeding (21-25 mph> limit)||$1,764||$458|
Auto Insurance Rates by City 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:
|City||Avg. Annual Premium|
FAQs About Illinois Car Insurance
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 what will be average car insurance cost in 2021.
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.