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The average cost of Illinois car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Palatine, IL to find you the cheapest quotes in the area.
Here are the cheapest carriers in Palatine 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.
| Cheapest Companies | |
|---|---|
 Progressive | $45/mo |
 State Farm | $89/mo |
 Nationwide | $104/mo |
 Travelers | $111/mo |
 American Family | $165/mo |
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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:
Liabiltiy insurance coverage is non-negotable. 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. Comprehenisve 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.”
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Palatine drivers measure up to their fellow Illinois motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Palatine drivers rank 9 in the number of car accidents per driver across all cities in Illinois.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Illinois, Palatine drivers rank 25 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Palatine drivers rank 23 in the number of DUI’s per driver across all cities in Illinois.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Palatine is the Honda Civic.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Palatine drivers rank 3 in hybrid and electric vehicle ownership across all cities in Illinois.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
