Insure yourself in Illinois


Illinois is ranked 25th in the nation in terms of land area, but 6th for population, creating some extreme density in urban areas like Chicago and Springfield. Combined with extremes in weather (think of the state’s famous wind and snow) this can create some unique driving conditions and increase your risk of accident. It’s always important to be properly covered, but finding the cheap insurance Illinois offers can be a challenge. Especially in urban areas with more traffic.

Due to its diverse economic base, mix of rural and urban areas, and four-season climate, Illinois is considered a microcosm of the nation. The birthplace of Abraham Lincoln, the state has officially honored this great president with its State slogan, “The Land of Lincoln,” a statement that also appears on vehicle license plates. Visitors can also visit Lincoln’s tomb, as well as dozens of famous landmarks and museums, many of which are located in the state’s largest city, Chicago. Whether you’re visiting, or a lifelong resident, there are so many things to discover about Illinois. 

Through every economic change, Illinois has remained a strong and vibrant state, and still attracts new residents every year. Known for its manufacturing and agriculture, the state has also contributed to the nation’s scientific and legal advances. Famous sports teams and musical icons have found their home in Illinois, and the state is known for many famous landmarks, including the Sears Tower.


Notable Statistics


  • There are approximate 10.4 million vehicles registered in the state of Illinois.
  • The average car insurance premium is $1,370/year. This comes out to a little over $100 per month.
  • Up to 15% of Illinois drivers do not have an active car insurance policy. Considering the population rates, this is a lot of uninsured drivers!
  • Failure to present proof of insurance results in immediate license suspension and a minimum fine of $500. Repeat offenders will face fines in the thousands!
  • In 2012, the state of Illinois launched a statewide program to decrease the number of motor vehicle thefts. This helped lower insurance rates a bit.
  • Illinois is home to the world’s largest library – the Chicago Public Library, which boasts a collection of more than 2 million books.
  • The world’s first skyscraper, the Home Insurance Building, was built in Chicago in 1884. While not as famous as the Sears Tower, it’s a notable architectural landmark.
  • The state of Illinois is one of the nation’s leading manufacturers of plastics, equipment, and transportation.Chicago traffic

Car Insurance


There are plenty of tips for finding insurance in any state. However, finding a good insurance broker can help you find the best rates. They will ask you questions about your driving habits and any past accidents or traffic tickets. Some of the other factors that effect your rates include:

  • Age – younger drivers have less experience, and usually pay higher premiums.
  • Vehicle type – sedans or commuter cars are cheaper to insurance than sports cars or SUVs.
  • Years of insurance coverage – the longer you’ve been driving, the cheaper your rates get!
  • Vehicle value – cheaper cars are cheaper to insure.
  • Length of commute – the more you drive per day, the higher your insurance rates.
  • Zip code – population areas usually result in more expensive car insurance.


State Car Insurance Requirements


  • Minimum coverage for bodily injury or death for one person is $25,000.
  • Illinois’ minimum coverage for bodily injury or death for multiple people per accident is $50,000.
  • The state minimum coverage for damage to another person’s property is $20,000.


Recommended Coverage


Most states do not require “full coverage,” which means your car or property might not be covered if the accident is your fault. Here are some added coverages that can help protect you and your car:

  • Comprehensive: covers your car for any damage not caused by a traffic accident.
  • Collision: covers damage to your car if you are fond at fault.
  • Rental car: provides reimbursement for any rental fees while your vehicle is being repaired.
  • Towing or roadside assistance: can cover the cost of transporting your car to an auto shop, flat tire repair, or even gas if you go empty on the road.
  • Uninsured Motorist: covers you if you are hit by a driver who doesn’t have auto insurance.

Get the cheap car insurance Illinois residents like you are already enjoying! It only takes a few minutes to compare hundreds of options and discounts.


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Motorcycle Insurance

Illinois is a bit different than other states when it comes to motorcycle insurance. The state requires any motorcycle rider to carry the same coverage you have on your car. This may be a pain, but the number of scenic rides makes it worth it. Parts of the Lewis and Clark trail allow motorcycle riders. The Shawnee National Forest has tons of beautiful routes. Southern Illinois even has some gorgeous wine country to ride through.

You might be a recreational rider, or you might use your bike for your commute. Either way, you need to make sure you have the same cheap motorcycle insurance Illinois residents have already found. It only takes a few minutes to get the best rates for the coverage you need.


Minimum Motorcycle Coverage


The same requirements apply to both car insurance and motorcycle insurance. Here is the basic coverage you need to get on the road:

  • $25,000 of coverage for bodily injury (BI) or death of one person.
  • $50,000 of BI or death coverage for multiple people in an accident.
  • $25,000 of coverage for damage to another person’s property.


Tips to help you lower your motorcycle insurance rates


  • Getting a certificate for attending a safety class tells insurance companies you are a responsible rider.
  • If you own proper safety gear (including leathers or riding clothes, boots, and certified helmet) can sometimes get you a discount.
  • Do you have more than one bike? Combining them on the same insurance policy gets you a discount.
  • Bundle your motorcycle policy with your auto, home, or renter’s policy. Companies give huge discounts for this.
  • The more riding experience you have, the cheaper your rates get. Be patient and be safe!
  • Some local or national riding clubs can get you discounts for membership.

If you have any questions, or just want to see if you’re overpaying, take a few minutes to look at your options. Online surveys and rating programs can compare multiple products in your area. Thousands of Illinois residents are already comparing their options.

Cycle Quote


Homeowners Insurance


Homeowners insurance is highly regulated in Illinois. This helps keep your rates lower. All mortgage companies are going to require you to carry minimum liability and replacement cost coverage. Always check with your lender if you have questions about your requirements. The average monthly rate for homeowners insurance in Illinois is around $90. This rate varies by location and home value or size.

Your typically homeowners policy covers the following:

  • Damage to your house, including permanent structures on your property, like sheds or garages.
    • Some types of damage is excluded, so always read your policy carefully.
  • Personal property coverage includes all the items in your home that aren’t attached.
    • Smart customers make lists and take pictures of their belongings. That way you can get properly reimbursed for theft or loss.
  • Liability coverage protects you against legal matters related to an incident or accident on your property.
  • Loss of use coverage allows you to maintain your lifestyle at another residence or rental while your house is undergoing repair or reconstruction.
    • This coverage can pay for anything from an extended hotel stay to a long-term rental.


It’s also a good idea to look at all your options. Some companies offer lower rates for personal liability, or various discounts. These discounts can help you get higher coverage, while still getting the cheap homeowners insurance Illinois residents require.


Available discounts on your homeowners insurance policy


You might be surprised what discounts you qualify for. Sometimes you have to do a bit of digging, but a few minutes of extra work can save you hundreds per year.

  • Alarm systems can lower your monthly rates.
  • Sprinkler systems aren’t required in every state, but can give you a significant discount on your policy.
  • Bundling your HO policy with your auto or personal liability policy can get you a discount.
  • Close proximity to a fire station lowers your rates.

Take a few minutes to compare your options for homeowners insurance in Illinois.

Home Quote


Life Insurance


Nobody likes to think about life insurance. Almost half of Americans don’t carry it. This can be for financial reasons, or emotional reasons. Not carrying life insurance put your family at risk. Especially if you are the primary bread winner. It helps to think about life insurance in terms of security for you and your loved ones. Then it becomes an investment in your family’s future, rather than a burden.


Some facts to consider


  • Life insurance is about planning ahead.
  • It can provide financial security to your loved ones.
  • Can cover medical bills, funeral costs, mortgage payments, or other living expenses.
  • It can replace your income for your family or give them college money.
  • It can even be used to provide a cash value you can withdraw or borrow against later.
  • There are over 800 life insurance companies in the United States.
  • Life insurance is a contract. The Insurance company takes your monthly premium and pays out a “death benefit” when you pass.The difference between collected premium and benefit amount, are considered profit to the insurer.life insurance

There are a few basic types of life insurance:


  • Term life insurance and whole life insurance are two different policies with different requirements. Some people choose term life insurance because they only pay a certain amount each month for a set period of time. For example, you may pay $25 a month for a $125,000 policy for the next twenty years. But when that 20 years is up, you have to choose a different policy, which could mean increased rates.
  • Permanent life insurance can provide coverage for your entire life. Depending on the type of product or company, it can range from coverage until a certain age (100 years in some cases) or for your entire lifetime with no age limit. This usually costs more, but provides benefits no matter when it comes into effect.

Don’t be one of the 40% of Americans who think life insurance is too expensive. A few minutes of your time can provide you with quotes for cheap life insurance Illinois residents like you are already providing their families.

Life Quote


Health Insurance


It’s a hot topic! Sometimes it seems like you can’t go anywhere without hearing about health insurance. Our politicians debate it, and every other television commercial mentions it. Health insurance is a major industry. The one thing everyone agrees on is that health coverage is a necessity. Maybe you only need catastrophic cover, or maybe you want extra coverage for scheduled doctors visits. Either way, it’s important to find the cheap health insurance Illinois has available.

Every state is different, but in Illinois the average cost of an inpatient hospital stay is almost $2,400 per day! Unless you’re one of the mega-rich, there’s no way you can afford this without insurance.

What types of health insurance are available?


There are too many health insurance options to list. Illinois has twelve million residents, and over 90% of them carry some type of health insurance. Some workers get it through their employer and contribute a certain percentage of the monthly premium. Other people are on a government subsidized program. The two main types of health insurance are:

  • HMO policies. This stands for Health Maintenance Organization. These policies are typically cheaper, but generally require a patient to go to specific health care providers in the HMO “network.” This can limit your options, but your deductible or out-of-pocket cost is a lot lower.
  • PPO policies, or Preferred Provider Organization. These policies give you more flexibility when choosing your doctor or hospital. This flexibility generally means a higher annual or monthly health insurance premium.

The best way to find the coverage you need is to speak to a professional. You can start by filling out an online form. This will put you in contact with the right company or agent. Take a few minutes to look at your options, so you can begin planning your policy.


Health Quote


Renters Insurance


This is probably the most overlooked type of insurance in America. Most renters don’t bother buying a policy. After all, they don’t own the home or apartment building. Why should they cover it? But this could leave you and your belongings at risk. If your rental property burns down, or floods, or there is a break-in, your landlord isn’t going to replace your property.

What’s the best thing about renters insurance? It’s cheap! Most policies cost less than $30 per month and can cover tens of thousands of dollars. Did you know that holding a renters insurance policy can also lower your car or motorcycle insurance rates?

Take a few minutes to consider the cheap renters insurance Illinois has to offer. More and more insurance companies are providing this coverage. Sometimes the discount you receive on your auto policy more than makes up for the monthly renters insurance payment.


Renters Quote




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