Auto Insurance in Illinois (IL)
What Affects Auto Insurance Rates in Illinois(IL)?
Illinois is known for its unique combination of urban sophistication and small-town midwestern charm. The state’s large deer population made it the state with the third-highest number of auto accidents involving collisions with the animals over a twelve-month period in 2004 and 2005. Although the state requires all drivers to carry liability insurance, 16 percent of Illinois drivers were found to be uninsured in 2004, an increase from 13 percent in 2001. These issues, as well as what kind of car you own and your driving record, affect how much car insurance you will pay in Illinois.
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How much auto insurance do I need in Illinois?
Like the majority of states, Illinois mandates specific minimums of liability coverage that drivers must carry. If you own a car in Illinois, you must have the following minimum requirements:
- At least $20,000 of bodily injury coverage per person and $40,000 of bodily injury coverage per accident
- At least $15,000 of property damage liability coverage
In Illinois, policies for liability insurance automatically include uninsured motorist coverage with a limit of $20,000 per person and $40,000 per accident. If you are cited by the police three times for driving without proof of insurance, your license can be revoked. In addition, authorities will seize the vehicles of uninsured drivers who are involved in an accident for which they are found to be at fault.
We note that it smart to carry insurance above the minimum levels to make sure that you and your vehicle are adequately covered should you get into an accident. More coverage will also protect your family’s financial assets if you cause an accident or are sued.
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What Auto Insurance Discounts Are Available to Illinois Drivers?
If you own a hybrid car, some insurance companies may offer a discount on your rates. You may be eligible for further discounts if you are a college graduate, are a student with good grades, or are a mature driver who takes a state-approved defensive driving course. You may also receive a discount if you buy your car insurance policy online.
Companies that are authorized to offer car insurance in Illinois include: AAA, AIG, AIS, Allstate, Amica, Chubb, Comparison Market, Eastwood Insurance, Electric Insurance, Esurance, Farmers, GMAC Insurance Online, the Hartford, Hanover, Horace Mann, Insurance.com, Mercury, MetLife Auto, Nationwide, Permanent General, Prudential, State Farm, and Unitrin.
More Information on Auto Insurance in Illinois
For more information regarding coverage requirements and other auto insurance related questions, contact the Illinois Secretary of State’s office at:
Illinois Secretary of State
Springfield Dirksen Parkway
2701 S. Dirksen Parkway
Springfield IL 62723
www.cyberdriveillinois.com
*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.
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