Everything You Need to Know About Auto Insurance in Illinois

Illinois spans from gorgeous greenery like Shawnee National Forest to the Windy City or Chi-town: otherwise known as the one and only city of Chicago. It is the sixth largest state based on population (12.48 million as of 2023) and is known for being the first state to ratify the 13th amendment. Illinois also claims the origin of Route 66 and is three-quarters farmland.

Illinois was home to Native American tribes for millennia before European exploration and colonization began in the 17th century. French explorers and fur traders established early settlements, followed by British control during the colonial period. After the American Revolution, Illinois became a part of the United States and achieved statehood in 1818. It is now known for a diverse economy, cultural institutions, and rich historical heritage.

If you’re ready for more affordable vehicle protection, InsureOne’s experienced agents will help you find the best auto insurance at the best rates in Illinois.

How Much Does Car Insurance Cost in Illinois?

On average, Illinois drivers pay annual auto premiums of around $2,500 for full coverage and as low as $800 for a basic policy.

These premiums are slightly higher than national averages ($2,014 and $622 for full and minimum coverage, respectively). In comparison to other drivers in the United States, Illinoisans pay just a few hundred dollars more for full and minimum auto policies.

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Reasons Why Insurance Is Slightly Above Average in Illinois

In the last two years alone, insurers in Illinois have increased their rates by several billion dollars due to more accidents, repairs, and higher medical bills. Though those dwelling in Illinois are not all commuters, highly populated cities with a lot of cars and congested driving like in Chicago contribute to greater collective costs across the whole state.

Affordable Car Insurance Rates Comparison by Cities in Illinois

Here is a comparison table of the average monthly premiums paid by drivers in different cities across the Illinois:

City Full Coverage Insurance Liability Insurance Coverage
Chicago $194 $81
Aurora $123 $43
Joliet $140 $48
Naperville $127 $50
Rockford $139 $71

We arrive at our average auto insurance costs by using a male driver, aged 30 with a clean driving record. Minimum liability is the state-required minimum. Full coverage is a 100K/300K/100K policy. Your costs will be different and based on your individual factors.

How Much Money Can Bundling Car and Home Insurance Save You in Illinois?

Bundling coverage can reduce your annual premium anywhere between 5% and 25%. This is especially beneficial to homeowners, who typically pay more for vehicle protection than renters do.

If you own a two-story house in Peekskill or Elmira, for example, and bundle your home and auto coverage, you’ll likely see a 25% reduction. Someone renting an apartment might only receive a 15% reduction.

InsureOne will customize your insurance package based on exactly what you need and can afford. Agents do all the work and provide you with an easy-to-understand comparison so that you save time and money.

What Types of Auto Discounts Are Available in Illinois?

Insurers typically offer many kinds of driving discounts. To start with, the good driver discount saves money for never getting a traffic ticket (or not for several years, at least).

Other rate-reducing discounts include:

  • Multi-car
  • Anti-theft
  • Paperless billing
  • Low mileage
  • Good student
  • Loyalty
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Illinois Car Insurance Laws

Illinois has a 25/50/20 minimum mandatory liability coverage requirement, and drivers must carry proof of having it. Here’s a closer look at what this means.

What Are the Mandatory Car Insurance Requirements in New York Illinois?

Mandatory monetary limits are cash amounts insurers must pay if a crash occurs, caused by their policyholder. In Illinois, these limits are 25/50/20. That means if you cause a crash:

  • $25,000 for bodily injury per person: This means your insurance policy must cover at least $25,000 for injuries to a single person in an accident for which you are at fault.
  • $50,000 for bodily injury per accident: Your policy must cover at least $50,000 for total bodily injury liability per accident if multiple people are injured.
  • $20,000 for property damage per accident: Your insurance must cover at least $20,000 for property damage liability for each accident for which you are at fault.
  • $25,000/$50,000 for uninsured motorist coverage per person/per accident

Illinois is not a no-fault state, which means it does not require Personal Injury Protection (PIP) insurance as a mandatory part of auto insurance coverage. However, drivers in Illinois can still purchase PIP coverage as an optional addition to their auto insurance policy.

Personal Injury Protection (PIP) coverage is designed to provide coverage for medical expenses, lost wages, and other related costs for you and your passengers, regardless of who is at fault in an accident. It can be beneficial in states with no-fault insurance systems, but in Illinois, it’s not a legal requirement.

Its coverage limit for uninsured or underinsured drivers is 25/50. For instance, if an uninsured driver causes an accident where you are injured, your policy must include at least $25,000 to pay for your medical costs, providing up to $50,000 in coverage per accident.

What Is the Penalty for Driving Without Insurance in Illinois?

If you’re caught driving without proof of car insurance, there are several penalties in Illinois that will apply to you. You can be fined anywhere from $500 to $1,000 for a first offense, receive a traffic citation, get your license and registration suspended, need to obtain an SR-22, as well as face any number of lawsuits.

What Factors Does Illinois Law Allow in Determining Your Premiums?

State law allows insurance companies to calculate your premium based on several metrics. Some of the top deciding factors are:

  • Gender
  • Age
  • Marital status
  • Location
  • Vehicle type
  • Driving record and experience
  • Credit history
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Here’s What You Need to Know When Driving in Illinois

In recent years, Illinois has consistently experienced tens of thousands of car crashes annually. In 2019 alone, there were around 313,316 reported motor vehicle crashes in Illinois.

At InsureOne, our expert agents help keep you and your family members protected while driving with insurance coverage that matches your situation.

What Is Driving Like in Illinois

Illinois experiences all four seasons, and weather conditions can have a significant impact on driving. Winters can bring snow and ice, making roads slippery, and sometimes leading to hazardous driving conditions. In contrast, summers are typically warm and can bring occasional thunderstorms. Spring and fall can offer a mix of all the above: slick highways on some days and dry, overheating conditions on others.

How Many Car Accidents Happen in Illinois?

In 2021, there were 1,210 fatal car crashes in the state. This chart shows the number of deadly accidents in different cities across Illinois that same year.

City Fatal Crashes in 2021
Chicago 213
Aurora 5
Joliet 18
Naperville 6
Rockford 30

Source: Illinois Department of Transportation

How Many Uninsured/Underinsured Motorists Are in Illinois?

More than 11.8% of motorists in this state were uninsured or underinsured in 2019, which is in the middle in terms of lowest and highest ranking nationwide.

Get the Best Car Insurance in Illinois Today

InsureOne is the one place – the only place – you need to go for auto insurance that checks off all the boxes for your needs.

As soon as today you can get a quote online, visit us at a New York office near you, or call us at (800) 836-2240 for a quote.