When you want to stay safe on the road, cheap car insurance in Illinois is the way to go!
Like all other states, Illinois sets its own requirements for car insurance. Laws dictate the minimum amount of Illinois car insurance you need to register a car or drive on public roads. When it comes to cheap car insurance, Illinois is around the middle of the pack – neither the most nor the least expensive.
The difference between minimum Illinois car insurance and full car insurance in Illinois can be more than a thousand dollars a year, so it’s a wise idea to look for cheap car insurance Illinois law recognizes. Before you get started comparing rates, learn a little more about what Illinois car insurance you need.
What is the Minimum Car Insurance in Illinois?
All motorists in Illinois are required to hold the following minimum coverage:
- Bodily Injury Liability: $25,000 per person, $50,000 per vehicle accident
- Property Damage Liability: $20,000
- Uninsured/Underinsured Motorist: $25,000 per person, $50,000 per vehicle accident
Like most states, Illinois is considered a “fault” state for auto insurance purposes. This means the driver who is found to be at fault for an accident is responsible for all the liabilities arising from it. In the event you cause an accident, other people harmed by it are compensated by your insurer up to the limit you purchased.
The three required Illinois car insurance types cover expenses related to injury or death, the other person’s car and other property, and your medical expenses if an uninsured driver is at fault for an accident. To protect your interests further, you may choose to purchase Illinois car insurance over and above these limits.
There are three common types of car insurance not legally required in Illinois:
Medical Payments: Covers medical or funeral expenses for you and your passengers
Collision Insurance: Covers the cost of repairing or replacing your damaged vehicle
Comprehensive Insurance: Covers non-accident vehicle damage, such as crime
Cheap insurance in Illinois is easiest to find when you’re looking for basic coverage. To get coverage for different types of events, you will end up paying more each month. Some of the best cheap insurance in Illinois covers a little bit of everything – consider adding some collision insurance to your policy just in case!
What Happens if You Don’t Have Car Insurance in Illinois?
Even if you can’t find cheap car insurance, you still have to hold a valid auto insurance policy.
Illinois has extremely harsh penalties for driving without auto insurance. Being unable to provide proof of insurance if you are stopped leads to a mandatory $100 fine. That remains true even if you do have insurance!
The first time you are found driving without insurance in Illinois, you could be fined up to $1,000. The fine can be reduced significantly if you activate an Illinois auto insurance policy before your court date arrives.
Repeat offenses can also result in a fine of up to $1,000. Your driver’s license can be suspended even on the first infraction, which may leave you unable to drive for weeks or months. This is a serious problem for people who rely on their cars to get to work – and Illinois is one of the top commuter states in the nation.
There are two other serious penalties for driving without Illinois car insurance:
Your car insurance premium will go up, typically about $100 per month
You may be required by the court to purchase additional car insurance
SR-22 is special vehicle liability insurance that many states require “high risk” drivers to hold. It is very difficult to find cheap car insurance Illinois allows for SR-22 requirements. The best way to keep your Illinois auto insurance premiums low is to avoid situations where you’re expected to have it.
How Can You Reduce Car Insurance Premiums in Illinois?
Illinois car insurance companies look at many different factors when deciding monthly car insurance premiums:
- Car make and model
- Credit score
- Driving history
Of these, the two that are easiest to control are your driving history and credit score. Yes, making sure you pay other bills on time may help you save money on car insurance. Several Illinois auto insurance policies offer special discounts for long-term safe driving. You may even qualify for discounts after you buy a safer vehicle.
Before choosing a policy, be sure you know what special discounts are available.
That’s the story on Illinois car insurance! Now that you’re ready to find the cheap car insurance Illinois drivers prefer, look no further than Cheap Insurance. Our website makes it easy for you to compare car insurance policies from the major Illinois car insurance brands – helping you save time and money.
To ask our team a question, just contact us.
How much is car insurance in Illinois?
The total cost of Illinois car insurance depends on how much insurance you choose to carry. With cheap car insurance, Illinois drivers are in luck: They may pay only about $460 per year for a basic car insurance policy. This increases by around $900 a year if you decide on hold full car insurance.
Cheap insurance in Illinois is easiest to find in rural areas with a lower population density and a high percentage of insured drivers. City drivers can request car insurance discounts based on their driving record, defensive driving education, or their vehicle’s maintenance history and safety features.
Who has the cheapest home and car insurance?
The quest for cheap insurance in Illinois often motivates homeowners to look for a better policy. There are many insurers offering car and homeowner’s insurance, but they are treated as separate products.
The average cost of Illinois car insurance is about $1,400 per year. The cheap car insurance Illinois drivers prefer may cut that figure 10%, 20% or more.
What about home insurance? Average cost is nearly identical to car insurance: Just over $1,400. When you compare insurers, try to work with a company that meets all your insurance needs under one roof. Holding multiple policies sometimes leads to discounts.
How expensive is car insurance in Illinois?
The average Illinois driver pays about $1,400 every year for car insurance. Drivers can save more than $1,000 a year by choosing basic coverage over full coverage. Cheap car insurance Illinois honors can reduce costs by even more, saving you anywhere from 10% and up compared to the average.
For cheap insurance in Illinois, always start by comparing rates online. Looking at multiple providers will get you off to a good start. Once you choose a provider, periodically request discounts as you continue to drive safely. If you aren’t happy with your costs, you can always switch your insurance company.