As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
Illinois Auto Insurance and COVID-19
The state of Illinois has extended previously issued suspensions, cancellations, non-renewal, and premium payments for consumer car insurance policies
Find the lowest car insurance rates in two minutes
You deserve to save more than pennies in the Land of Lincoln.
Illinois is the most populous state in the midwest, home to the largest Midwest metro area—and the future home of the Barack Obama Presidential Center. More than the city of Chicago, Illinois offers pristine prairie land, mind-boggling hills in Galena, and the gorgeous bluffs of Shawnee National Forest.
If you live in the state of Illinois or you’re thinking of moving there, this guide will help you find affordable car insurance in the Prairie State. Compare the cheapest and best quotes in Illinois here.
For city-specific car insurance details, see our in-depth overview for Springfield.
Cheapest Car Insurance Quotes in Illinois
Here are the cheapest insurance companies in Illinois for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Illinois.
Best Car Insurance Quotes in Illinois
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in Illinois. For the complete list, see Insurify’s best car insurance companies.
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Most Popular Car Insurance Companies in Illinois
In compiling the most popular insurance providers in Illinois, we looked at the research done by the Insurance Information Institute (III). The top five insurance companies by market share in Illinois are:
- State Farm
- COUNTRY Financial
Cheapest Car Insurance Quotes in Illinois by City
The cost of car insurance can vary significantly from place to place, depending on many variables. It’s no wonder that the company with the best-priced insurance policy in one city might not offer the best price in the next town over, as is the case in Aurora and Naperville.
We looked at the five most populated cities in Illinois to compare costs. The results may surprise you.
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Curious about rates for your city? Begin by simply typing your ZIP code here.
Cheapest Car Insurance Quotes in Illinois by Profile
Here are the cheapest insurance companies in Illinois based on averaged sample car insurance rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.
Cheap Car Insurance for Young Drivers Under 40
The younger you are, and thus the most inexperienced you are, the more likely you’ll pay more for insurance. This is due to the inexperience of younger drivers; insurance companies often associate inexperience with higher risk. As you age, and if you keep a clean driving record, you can expect your rates to go down.
Cheap Car Insurance for Drivers with Speeding Tickets
Drivers with speeding tickets can still expect to find fair rates. However, the more speeding tickets and citations drivers incur, the more likely they will be deemed “high-risk.” If you become too risky, you might not be able to find coverage on the open market. For drivers with a few speeding tickets, Erie Insurance offers the best rate at $34 a month.
Cheap Car Insurance for Drivers with At-Fault Accidents
Even one car accident can mean a big difference to your annual bottom line. And the effects of an at-fault accident can last for a long time, generally at least three years. Here are the least expensive rates we could find for drivers in Illinois with at-fault accidents:
Bear in mind that even negative marks on your driving record will affect you differently depending on where you live. To compare the best car insurance quotes for you, begin by entering your ZIP code here.
Illinois State Insurance Laws
State Minimum Car Insurance Coverage in Illinois
Illinois drivers must keep a copy of their insurance card in their vehicle at all times.
If you’re pulled over and you cannot provide proof of insurance, you will be required to provide that proof in court. And you’ll face a $100 fine.
There are several important insurance requirements for minimum coverage for Illinois drivers:
- Bodily injury coverage per person per accident: $25,000
- Bodily injury coverage for all persons per accident: $50,000
- Property damage liability coverage: $20,000
- Uninsured motorist bodily injury: $20,000/$40,000
- Uninsured motorist property damage: $15,000 with $250 deductible
- Underinsured motorist coverage: $25,000/$50,000
Liability insurance coverage is non-negotiable. You can, however, reject uninsured motorist coverage if you want to. You’ll need to do so in writing. Of course, we don’t recommend doing so, especially because an estimated 13.7% of Illinois drivers are uninsured.
Other optional coverages for your auto policy include, of course, comprehensive and collision. Comprehensive coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision. Collision coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”
SR-22 Rules in Illinois
Also known as Financial Responsibility Insurance, drivers can be required to provide proof of insurance through filing an SR-22 through a few common scenarios in Illinois. These include:
- DUI/DWI convictions
- Driving without insurance
- Driving with expired license plates
- Multiple traffic offenses
- Too many points on a driving record
While the duration of mandatory filing ranges, the typical minimum is three years.
These Illinois car insurance companies will file an SR-22 on your behalf: Acceptance, Affirmative, Ameriprise, Consumers Insurance, Dairyland, Direct General, Elephant, Esurance, Farmers, Foremost, Founders, GEICO, Good2Go, Grange, Grinnell, Hallmark, Mendota, Mercury, National General, Pekin, Progressive, SafeAuto, Safeco, Safeway, State Auto, Stillwater, The General, Titan, United Auto, Victoria, and West Bend Mutual.
What you MUST know about the Mandatory Insurance Law (625 ILCS 5/7-601)
The Office of the Secretary of State oversees the DMV in Illinois. It enforces mandatory insurance by conducting checks to confirm registered vehicles are insured. A random sample is chosen from license plate registration. Letters are sent to the addresses associated with that registration.
Once the delivered, the registrant (you) must mail in proof of insurance within 30 days of the verification date. If you don’t, the state will revoke your registration.
Illinois Auto Insurance FAQs
Can I drive without insurance in Illinois?
If you’re stopped for a traffic violation and the police officer discovers you have no insurance, you’ll face license plate suspension and a three-month driver’s license suspension, plus a $1,000 minimum fine. Penalty minimums start at $500 for first-time offenders, not to mention your vehicle registration will be suspended. It costs an extra $100 to reinstate your vehicle, and you must provide proof of insurance when doing so. Multiple offenders face even harsher penalties, including license suspension and required SR-22 certificate filing for three years.
Can I get non-owner car insurance in Illinois?
Non-owners car insurance is a policy that is attached to a driver who Does not own a vehicle Does not drive a specific car regularly Does not drive a “household” vehicle For example, if you occasionally borrow a vehicle from a friend, a non-owner policy would supplement the insurance your friend has on their vehicle. This is also a good option for people who rent cars often or use a car-sharing service. However, non-owner insurance is not appropriate for drivers who regularly borrow and use a roommate’s car. If you are found to be a “regular and customary driver” of a vehicle, but you purchased a non-owner policy, your insurance company may drop you. Worse, if you get in an accident and your insurance company discovers that you’re a “regular and customary driver” of the vehicle, your claim will probably be denied. If you’re unsure if you qualify for a non-driver policy, be sure to speak honestly with your insurance agent about your driving habits.
How do you get insurance for a classic car in Illinois?
Classic cars, antiques, collectibles—there are several designations given to vehicles that are more than a transportation machine. And auto enthusiasts need special considerations for their unique cars. If you have a classic car, it’s best to go with a company that specializes in vintage and collectible cars. Because these cars require different care and undergo radically different use than a practical vehicle, a regular policy may leave gaps in coverage. This is especially true for comprehensive coverage of vehicles with special repairs, restoration, or upgrades. These can change the value of your car drastically, so it is essential to reach an agreement with your insurer about your car’s value.
Illinois Driving Facts
Green driving: While Illinois isn’t leading the country in emissions standards, it does offer some incentives for electric vehicles, including reduced registration fees and exemption from emissions testing. Additionally, members of the Illinois Electric Cooperative may be eligible to receive a 0.5% financing rate for the purchase of an electric vehicle.
Distracted driving: It is illegal to use a handheld phone while driving. In most counties, drivers simply holding an electronic device can be ticketed. And there have been recent debates about making other forms of distracted driving illegal, especially eating while driving. While not an official law, several municipalities have proposed such bans.
Legal alcohol limits: Like much of the country, Illinois’s legal blood alcohol concentration (BAC) limit is 0.08 percent. However, underage drinkers are subject to a zero-tolerance rule. This means that any amount of blood alcohol content, even 0.01 percent, would be considered a DUI for an underage drinker.
Illinois DMV Information
You register your vehicle with the Secretary of State’s (SOS) office in Illinois. You have 30 days to register your vehicle after becoming a resident. You must obtain Illinois car insurance before registering your vehicle, and you must provide proof of residency, the car’s title, and a completed Application for Vehicle Transaction (Form VSD 190).
If you’re considering moving to Illinois, there are a few other things to consider. First, are you prepared for snow and wind? The Midwest is known for its snowy winters where temperatures can hit sudden lows well below zero. Black ice is common in rural areas, especially in the northern part of the state. If you live in Chicago, however, you can expect thorough plowing as soon as flakes start to fall.
Another critical consideration is hail damage. More common further from lake-effect weather, hail can easily damage your vehicle. Living where you can park your car in a garage or carport is almost a requirement outside of Chicago.
Conclusion: The best way to save in Illinois
Illinois drivers get the best deal when they shop around.
Many factors, including location, credit score, and driving record, affect your auto insurance rate. But whatever your needs, you can uncover the best rate for you through comparison shopping. Be sure to use a car insurance comparison site like Insurify to find your cheapest rate quickly. So, whether you live in the Windy City or Metropolis—home of Superman—you deserve to get the best rate.
Compare Illinois car insurance quotes with Insurify today.