Illinois Car Insurance
Illinois might be best known for the city of Chicago, but there are many other fantastic things about the state as well. With fantastic farmland, great roads, and a wide variety of natural beauty, Illinois has become a very popular place for people to live and is a fantastic place to raise a family. To keep your family and your finances safe, you will need to meet at least the minimum requirements for automobile insurance and Illinois as a driver. In addition, many people decide to buy additional automobile insurance coverage to further protect themselves in specific situations. Some of these situations include when they are responsible for a car crash, when they have taken out financing on the vehicle, and other situations as well.
Other types of auto insurance plans that are available for drivers include collision insurance coverage, comprehensive insurance coverage, lease gap insurance coverage, medical payments coverage, and there are others as well. By having these additional automobile insurance coverage types, you get additional coverage if you are at fault in a car crash or involved with a covered peril.
Auto Insurance Requirements In Illinois
While you can purchase these additional coverages for more protection, the state of Illinois only requires that drivers have specific types of coverage in order to drive legally in the state. Failure to carry the proper amount of coverage in a valid and active automobile insurance policy can result in fines, fees, license suspension, jail time, and more.
The minimum requirements for the automobile insurance plans in the state have more types of insurance coverages than many other states. The minimum amount of automobile insurance required by law includes $20,000 of bodily injury coverage per person and $40,000 in bodily injury insurance coverage for all persons in an accident. Also, the state requires that drivers have $15,000 of property damage liability coverage. $20,000 per person and $40,000 per accident with uninsured motorist bodily injury protection and underinsured motorist bodily injury coverage are also required, as well as $15,000 of uninsured motorist property damage coverage.
It is possible to reject the uninsured motorist coverage and underinsured motorist coverages in writing, which will mean that you do not need to purchase it, but you will also not be protected if you are in an accident where the other driver is at fault, if they do not have insurance, by your policy.
Average Cost Of Coverage In Illinois
On average, the cost of insurance policies in the state of Illinois is lower than the national average. Keep in mind that prices can vary based on the area that you are living in, however. Illinois has many smaller cities and farming areas, which tend to be less costly than dense cities when it comes to insurance.
Help find the best automobile insurance plans in Illinois starts with comparing policies to multiple companies and knowing what you need. Evaluate whether you want to get the minimum requirements for automobile insurance in the state, or if you prefer to get additional coverage to help protect you in other situations.
Cheapest Car Insurance Companies In Illinois
The journey to find cheap car insurance in Illinois starts with identifying the cheapest car insurance companies overall. In addition to getting free auto insurance quotes from these companies, it is wise to check with some other companies as well. The tools on this website are a fantastic way to get a free quote for car insurance that could save you a lot of money overall.
Some of the cheapest car insurance in Illinois can be found at these companies: Unique, Farmers, Lighthouse, and The Hartford. It is also a good idea to get insurance quotes from other companies that rank highly in customer service satisfaction and financial strength, including companies like Progressive, State Farm, and others.
Cheapest Car Insurance In Illinois By City
Some cities in the state of Illinois are much cheaper than other cities in terms of overall automobile insurance rates. Lower cost insurance policies can be found for people who live in Carol Stream, Bolingbrook, Hoffman Estates, and Normal, Illinois.
Most Expensive Car Insurance In Illinois By City
The most expensive automobile insurance rates in the state of Illinois often come from larger cities. Even with the automobile insurance plans being more expensive, they are still a lot less than some other cities in the country. Keep in mind that this can vary quite a bit based on what types of car insurance policies you are looking to purchase, as well as which neighborhood you are living in. Chicago, Aurora, Oak Park, Oak Lawn, and other cities in the state like Rockford, have more expensive automobile insurance than other places in the state.
Laws, Rules And Penalties In Illinois
Penalties for driving without insurance in the state of Illinois can include fines, fees, suspended driver’s licenses or registrations, and possible jail time.
How To Save Money On Car Insurance In Illinois
Find cheap auto insurance rates right here on this site, through the fantastic tools and comparison-shopping. Armed with the knowledge you need; you should seek out discounts on automobile insurance and focus on keeping a safe driving record. These things can help keep your car insurance premiums as low as possible.