Car Insurance in Illinois
- How Much is Car Insurance in Illinois?
- Real Quotes for Jerry.ai Customers in Illinois
- The Cheapest Car Insurance in Illinois
- Most Popular Insurance Companies in Illinois
- Cost to Insure Different Cars in Illinois
- Car Insurance Laws in Illinois
- Car Registration Information in Illinois
Looking for car insurance in Illinois? Here you’ll find all the information you need on driving a car in The Gem State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Boise or Nampa, Meridian or Illinois Falls — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Illinois car insurance.
How Much is Car Insurance in Illinois?
Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Illinois, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Illinois pay $1,862.78 each year for car insurance. This means drivers in Illinois pay 36% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
What’s Your Rate?
But how do you know what policy is right for you in Illinois? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Illinois, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.
Real Quotes for Jerry.ai Customers in Illinois
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved | Type of coverage |
|---|---|---|---|---|---|---|
| 2020-12-30 |
| 40 year old female | CLEARCOVER | $73.83 | $71.17 | Preferred |
| 2021-02-04 |
| 32 year old female | Progressive | $235.83 | $14.17 | Preferred |
| 2020-12-02 |
| 34 year old male | Safeco | $65.98 | $15.14 | Standard |
| 2021-01-22 |
| 69 year old female | Progressive | $56.83 | $43.17 | Preferred |
| 2020-12-10 |
| 24 year old female | Progressive | $99 | $28.17 | Preferred |
The Cheapest Car Insurance in Illinois
Which companies offer cheap car insurance in Illinois? Below, we’ve ranked Illinois car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
Cheapest Car Insurance in Illinois for Basic Coverage
There’s all kinds of auto insurance you can get in Illinois, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Illinois. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Illinois, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.
Average Cheapest Car Insurance for Basic Coverage in Illinois
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | Mercury | $781.50 |
| 2 | CLEARCOVER | $853.93 |
| 3 | Bristol West | $915.50 |
| 4 | Progressive | $944.10 |
| 5 | Electric | $952.50 |
Real Jerry Quotes for Basic Coverage in Illinois
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2020-12-16 |
| 60 year old male | Progressive | $52.83 | $107.17 |
| 2021-02-09 |
| 40 year old male | Progressive | $53.17 | $266.83 |
| 2020-12-22 |
| 40 year old female | CLEARCOVER | $62.50 | $207.50 |
| 2021-02-07 |
| 20 year old female | Progressive | $60.33 | $65.67 |
| 2020-12-09 |
| 26 year old male | Progressive | $87.17 | $175.83 |
Average Cheapest Car Insurance for Standard Plans in Illinois
Most drivers will want more than the basic minimum coverage that Illinois requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Illinois, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!
Average Cheapest Car Insurance for Standard Coverage in Illinois
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | Nationwide | $984.16 |
| 2 | Kemper | $1,013.20 |
| 3 | CLEARCOVER | $1,087.26 |
| 4 | Progressive | $1,185.23 |
| 5 | Mercury | $1,201 |
| 6 | National General | $1,217.83 |
| 7 | Travelers | $1,360 |
Real Jerry Quotes for Standard Coverage in Illinois
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2021-01-22 |
| 35 year old male | CLEARCOVER | $54.67 | $115.33 |
| 2021-02-18 |
| 25 year old male | National General | $144.50 | $35.50 |
| 2020-12-02 |
| 23 year old male | Travelers | $168.33 | $131.67 |
| 2021-02-02 |
| 23 year old male | CLEARCOVER | $86.67 | $49 |
| 2020-11-24 |
| 23 year old male | CLEARCOVER | $52.83 | $162.17 |
Cheapest Car Insurance in Illinois for Preferred Coverage
Preferred coverage protects Illinois drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Illinois, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.
Average Cheapest Car Insurance for Preferred Coverage in Illinois
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | CLEARCOVER | $1,172.39 |
| 2 | National General | $1,353.66 |
| 3 | Travelers | $1,395.49 |
| 4 | Progressive | $1,419.48 |
| 5 | Safeco | $1,514.92 |
| 6 | Nationwide | $1,618.27 |
| 7 | State Auto | $1,696.78 |
Real Jerry Quotes for Preferred Coverage in Illinois
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2021-02-04 |
| 24 year old male | CLEARCOVER | $62.50 | $54.50 |
| 2021-02-01 |
| 22 year old female | Progressive | $81.33 | $20.67 |
| 2021-02-13 |
| 59 year old male | Progressive | $185.17 | $135.83 |
| 2021-02-23 |
| 44 year old female | Progressive | $102.33 | $77.67 |
| 2021-02-23 |
| 67 year old male | CLEARCOVER | $61.33 | $57.67 |
Most Popular Insurance Companies in Illinois
| Insurance company | Average annual premium in Illinois |
|---|---|
| Progressive | $1,337.93 |
| CLEARCOVER | $1,362.67 |
| Bristol West | $1,519.40 |
| Nationwide | $1,549.84 |
| National General | $2,684 |
| Travelers | $1,390 |
| Safeco | $2,156.25 |
| Mercury | $1,052 |
| Kemper | $2,209 |
| CLEARCOVER | $535.70 |
Cost to Insure Different Cars in Illinois
Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Illinois drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Illinois. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved | Type of coverage |
|---|---|---|---|---|---|---|
| 2021-01-03 |
| 20 year old male | CLEARCOVER | $126.83 | $23.17 | Standard |
| 2021-02-15 |
| 20 year old male | Progressive | $102.50 | $247.50 | Basic |
| 2021-01-03 |
| 28 year old male | Progressive | $69 | $44.63 | Preferred |
| 2021-01-11 |
| 54 year old male | Travelers | $76.42 | $43.58 | Standard |
| 2021-02-13 |
| 51 year old female | Kemper | $62.75 | $12.25 | Preferred |
| 2020-11-24 |
| 24 year old female | CLEARCOVER | $84.50 | $115.66 | Basic |
| 2020-11-20 |
| 40 year old male | National General | $83.50 | $76.50 | Standard |
Car Insurance Laws in Illinois
Traffic in Illinois can be bad. Just ask drivers in the state’s most populated city, Chicago, where drivers lose an average of 145 hours a year to traffic backups. All that extra time in traffic leads to more headaches for drivers in the form of car accidents. And these unfortunate accidents, in turn, lead to unwanted medical bills and car repairs, in addition to lost time at work or school. To help offset accident costs, Illinois requires drivers to have a minimum amount of liability insurance. Here’s everything you should know about the minimum car insurance coverage amounts in Illinois.
What Car Insurance Is Required in Illinois?
Motor vehicle drivers in Illinois must have the required amount of minimum insurance coverage when driving a car registered in the state. They must also carry proof of this coverage while driving and present it if pulled over by law enforcement or if they are in an accident. The type of insurance you must purchase in Illinois includes Bodily Injury Liability (BIL), Property Damage Liability (PDL), and uninsured motorist coverage.
BIL pays for the medical bills associated with injuries suffered by the other party in an accident caused by the at-fault driver. BIL also pays for physical therapy and other medical expenses, as well as lost wages stemming from the accident.
PDL pays for any property damage to the other vehicles in an accident caused by the at-fault driver. Other issues covered by PDL include damage to objects other than a car, such as poles, fences, and any buildings hit by the at-fault driver.
Uninsured motorist coverage protects a driver if the at-fault driver does not have insurance. Similarly, the optional underinsured motorist coverage kicks in if the at-fault party does not have enough insurance to cover all of a driver’s medical bills or property damage.
As an at-fault state, Illinois does not require drivers to purchase Personal Injury Protection (PIP) coverage. PIP Insurance is an optional coverage that drivers can purchase to help them pay for medical bills and recover lost wages due to an injury in a car accident, whether they were at-fault or not.
Can You Drive a Car Without Insurance in Illinois?
Driving without liability insurance in Illinois is against the law. Drivers must provide proof of insurance if they are pulled over by law enforcement or are in an accident. Failure to provide this proof or driving without insurance will result in fines and other penalties for the violating driver.
There’s a fine of $501 to $1,000 for driving without proof of insurance for the first and second offense. In addition, a violating driver can expect to lose their driver’s license and vehicle registration for up to three months and must pay another $100 to have it reinstated.
If a driver is caught driving with a suspended license plate due to a previous insurance violation, there’s an additional $1,000 fine. Driving on a suspended license will lead to it getting suspended for an additional six months.
For any insurance violations past the second offense, drivers will have to pay a $1,000 fine, plus an additional $1,000 if caught driving on suspended plates. If a driver has been involved in an accident while uninsured, they must pay an additional $2,500 fine.
Violating drivers will also lose their license for four months for more than two offenses and must pay $100 to have it reinstated. They will also have to file for an SR-22 certificate and keep it on file for three years. An SR-22 certificate places a driver in a higher-risk insurance category, which results in having to pay a higher premium.
What Are the Minimum Car Insurance Requirements in Illinois?
To protect drivers, the state of Illinois requires drivers to carry a certain amount of liability insurance. In addition, they must also purchase uninsured motorist coverage to account for any motorists driving without the required insurance. To legally drive in Illinois, a driver needs the following minimum coverage amounts.
Minimum Insurance Requirements in Illinois
- Bodily injury/per person/per accident: $25,000
- Bodily injury/per accident: $50,000
- Property damage liability: $20,000
- Uninsured/underinsured motorist bodily injury coverage/per person/per accident: $25,000
- Uninsured/underinsured motorist bodily injury coverage/per accident: $50,000
Car Registration Information in Illinois
Making sure to purchase the required amount of insurance in Illinois is just part of the process. Drivers must also make sure they register any vehicle they plan on driving on roadways in the state. Current residents of Illinois have 20 days from purchasing a vehicle to register it. Meanwhile, drivers newly moved to the state have 30 days to register their vehicle.
When registering a vehicle in Illinois, drivers can register at a local Illinois Secretary of State office or through the mail. Upon registering or renewing a vehicle in Illinois, drivers will receive two license plates, one for the front of the vehicle and one for the rear. The rear license plate will have a decal showing the date and year that the car registration must be renewed by.
The initial registration fee a driver must pay to register their vehicle in Illinois is $101 plus a $50 title fee, as well as any applicable sales tax based on the value of the vehicle. Drivers wanting to renew a registration must pay $151.
To register a vehicle in Illinois, drivers must fill out a registration application and then travel to their local Secretary of State office or mail it in along with the following documentation.
- Illinois driver’s license
- Vehicle registration; contains the Vehicle Identification Number (VIN)
- Proof of car insurance
- Current license plate (if replacing it)
- Certificate of title (if you own the vehicle)
- Odometer statement (for a vehicle form a private seller)
- Tax Form RUT-50 (states the car’s value)