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Read on for the latest stats, premiums, and fast facts about auto insurance in the state of Illinois.
This page will help you find the lowest possible premiums on auto insurance.
Minimum Liability Coverage
By state law, all car owners in Illinois must purchase a minimum auto insurance liability coverage of 20/40/15.
That means no less than $20,000 in Personal Injury Protection (PIP), $40,000 to cover death or injury to others, and $15,000 to cover the cost of property damage.
Deductibles may also apply.
for Driving Without Insurance
A recent statewide study found that fifteen percent of autos driven on Illinois roads are uninsured.
Analysts Top50States.com note a clear correlation between a state's percentage of uninsured drivers and its rate of traffic-related deaths caused by speeding.
Illinois now imposes harsh penalties for uninsured drivers, especially on subsequent convictions. Offenders face fines of $2,500, in addition to jail time.
The Average Annual Premium for Car Insurance in Illinois was $1,322 last year, which was rather low compared to the national average annual premium of $1,510.
Cost of Car Insurance
Auto insurance companies in Illinois and most of America offer many various driver discounts. For example,
The Anti-Theft Device Discount is for permanently installed, state-approved, anti-theft devices.
The Defensive Driving Course Discount is for seniors who pass a state-approved course.
The Good Driving Discount is for drivers with no moving violations over a three year period.
The Accident-Free discount is for avoiding at-fault accidents over a three-year period.
The Good Student Discount rewards adult full-time students who demonstrate academic excellence.
The Multiple Line Discount is for holders of more than one insurance policy.
The Passive Restraint Discount is for factory-installed airbags.
The Vehicle Safety Discount applies to owners of certain types of cars.
Whenever you call for a quote on car insurance, ask your agent about your discount eligibility.
Auto Insurance Quotes
According to consumer reviews, America's favorite car insurance carriers are Allstate, Auto Owners Insurance, The Hartford, State Farm, Geico, and 21st Century Insurance.
Many Illinois drivers choose larger companies, while some prefer local carriers like Erie or Western National.
All you need to do is obtain a few free online quotes. Then call a few local agents for more free quotes, and ask about the discounts. Finally, select the cheapest premium package you can get.
Above all, drive smart.
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