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Cheap Car Insurance in Illinois
Illinois has the third-biggest interstate highway system in the U.S. The Land of Lincoln boasts almost 2,200 miles of interstate highways, thanks to major interstates like I-80, I-90, and I-70. The Prairie State also features 16,000 miles of state highways and 300,000 total lane miles.
Illinoisans must have up-to-date auto insurance policies to protect themselves and their vehicles while driving throughout their state. Cheap car insurance in Illinois is readily available to those in Chicago, Joliet, Aurora, Cicero, Elgin, North Riverside, Harvey, Berwyn, Midlothian, Bridgeview, and Palos Hills.
Learn more about the secrets to securing the cheapest car insurance in IL below.
State Requirements for Auto Insurance in Illinois
Driving a vehicle in Illinois without auto insurance is never a good idea. Without a car insurance policy providing at least basic liability coverage, you could get into a lot of trouble if you’re pulled over by police or involved in an accident. Carrying a car insurance policy not only fulfills your legal obligations but also protects yourself financially in the event you are the at-fault driver in an accident.
State Minimum Requirements for Car Insurance in Illinois
Illinois law requires vehicle owners to secure policies that meet the mandatory auto insurance requirements. Your Illinois car insurance policy must include the following coverages listed below.
- Bodily Injury Coverage: $25,000 for bodily injury liability per person and $50,000 for bodily injury liability per accident
- Property Damage Coverage: $20,000 for property damage liability coverage per accident
- Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident in underinsured motorist coverage (UIM) and uninsured motorist coverage (UM)
Our insurance agents also strongly suggest that Illinois drivers add on other types of car insurance coverage.
Potential Penalties for Driving Without Car Insurance in Illinois
Many Illinois drivers use their vehicles without auto insurance each year despite the possible consequences. According to the Insurance Information Institute, almost 1.4 million drivers — or roughly 16% of all drivers in Illinois — aren’t insured.
You risk losing the license plates to your vehicle immediately if you can’t produce proof of insurance during a traffic stop. You could also face these penalties:
- Fines between $500 and $1,000
- Three-month driver’s license and vehicle registration suspensions
- One year in jail
The Importance of SR-22 Insurance in Illinois
High-risk drivers in Illinois are required to carry an SR-22 insurance certificate. An SR-22 shows they have insured their vehicles with the minimum coverage mandated by the state.
SR-22 insurance is for high-risk drivers who have the following driving violations listed below.
- Been convicted of DUIs
- Gotten into several serious car accidents
- Dealt with driver’s license suspensions
Anyone who causes an accident while driving without insurance might also have to obtain an SR-22 certificate or bond.
Types of Auto Insurance Coverage
Ideally, you should do more than get the cheapest auto insurance policy possible. While there’s nothing wrong with shopping for cheap car insurance in Illinois, it must offer the protection you and your vehicle need.
The different types of auto insurance coverage in Illinois are listed below.
- Liability coverage: Covers other drivers’ medical bills and expenses following accidents you caused
- Collision coverage: Cover damage done to your vehicle during accidents, even when you caused them
- Comprehensive coverage: Covers damage done to your vehicle due to vandalism, theft, etc.
- Uninsured/underinsured motorist coverage: Covers medical costs, property damage, etc., after accidents with uninsured or underinsured drivers
What is the Average Cost of Car Insurance in Illinois?
The average cost of car insurance premiums has increased in most states, and Illinois is no different. From 2022 to 2023, the average cost of full-coverage car insurance in Illinois increased from around $1,800 to over $2,300, while the average cost of minimum auto insurance coverage increased to over $600.
Illinois Auto Insurance Rates by Age
A person’s age influences the cost of car insurance in Illinois. For example, young drivers pay over $4,000 for full coverage.
Here is a breakdown of the average Illinois car insurance rates by age:
- 20s: About $2,600
- 30s: About $1,500
- 40s: About $1,500
- 50s: About $1,300
- 60s: About $1,300
- 70s: About $1,400
Illinois Car Insurance Rates by City
Another factor in a driver profile that will affect the cost of car insurance in Illinois is a person’s location. A driver seeking cheap car insurance in Illinois will pay more in Chicago than in a smaller city.
Here is a breakdown of the average cost of Illinois auto insurance by city:
- Chicago: About $2,800
- Joliet: About $2,000
- Aurora: About $1,800
- Cicero: About $2,600
- Elgin: About $1,900
- North Riverside: About $2,100
Factors that Affect Car Insurance Rates in Illinois
Age and location are just two key factors that influence the cost of auto insurance premiums. While shopping for cheap car insurance in Illinois, make sure you also consider the other factors affecting auto insurance rates.
Driving Records and Their Impact
Those with clean driving records will have lower car insurance rates than those with speeding tickets, at-fault accidents, and DUI convictions on their driving history.
The Role of Credit Scores
Reports have revealed that people with poor credit scores pay almost 100% more on their monthly rate for car insurance premiums than those with good scores. Insurers see credit scores as an indication of a customer’s financial risk. Taking steps to boost your credit score can improve your financial situation in several ways, including lowering insurance rates.
Types of Vehicles and Insurance Costs
Newer vehicles with the latest safety features and great safety ratings are often cheaper to insure than similar models without these same features and ratings. However, newer vehicles cost more to insure than older ones due to their higher values.
Benefits of Choosing an Affordable Auto Insurance Company in Illinois
You will enjoy many benefits beyond lower car insurance premiums when you choose an affordable car insurance company in IL like Insurance Navy.
Flexible Coverage Plans
You will have the chance to decide how much car insurance coverage you want based on the age of your car, its condition, your driving experience, and other factors.
24/7 Roadside Assistance
You will receive 24/7 roadside assistance services with our comprehensive auto insurance policies. Whether you experience mechanical problems, flat tires, or a dead battery, our roadside service has you covered.
Peace of Mind
Insuring your vehicle without spending a small fortune will give you unprecedented peace of mind. You can save the money you didn’t spend on car insurance or put it toward other financial ventures.
Save Money with the Best Illinois Car Insurance Discounts
Wouldn’t it be great if you could save even more money on low-cost car insurance in Illinois? These discounts listed below help drivers do it.
Pay-in-Full Discounts
You may be able to save on car insurance by paying for six months or a year at a time. These pay-in-full discounts assure insurance companies that you will not miss payments during the prepaid period, and companies may charge a bit less as a result.
Student Discounts
Are you a high school or college student with a B average? This often convinces many car insurance companies to extend student discounts.
Safe Driver Discounts
Do you have a clean driving record, or have you taken safe driving courses? Many insurers reward safe drivers with special rates. You may also receive a discount simply because you haven’t been involved in an accident for a designated amount of time.
Bundling Policies for Savings
Many insurance companies that provide cheap car insurance in Illinois also offer other types of insurance. Bundling car insurance with other policies could equal significant savings.
Cheaper Auto Insurance Options for High-Risk Drivers
Just because you fall into the high-risk category doesn’t mean you can’t find cheap car insurance in Illinois.
Car Insurance for Young Drivers
Young drivers pay more for car insurance than adults. Fortunately, these insurance policies for young drivers won’t break the bank.
Car Insurance for Drivers With Bad Credit
Good news for Illinoisans with bad credit: Affordable auto insurance policy options are available to drivers whose credit score is in the tank.
Additional Auto Insurance Resources for Illinois Drivers
Are you interested in getting more information on cheap car insurance in Illinois? The Illinois Department of Insurance is an excellent resource for drivers looking for affordable policies.
You should also learn about the state’s Electronic Liability Insurance Verification System (ILIVS) through the Illinois Secretary of State.
Looking for the Cheapest Car Insurance in Illinois? Get in Touch With Insurance Navy Today!
Finding cheap car insurance in Illinois doesn’t have to be complicated. Insurance Navy will help you compare affordable insurance rates. Call us at 888-949-6289, visit one of our 25 stores, or get Illinois car insurance quotes online. Our insurance agents are standing by to help you understand your different coverage options and help you make the best informed decisions.
Illinois Car Insurance FAQs
Have additional questions on cheap auto insurance in Illinois? Look for answers below.
Does Cheap Auto Insurance in Illinois Provide Enough Coverage?
Cheap auto insurance in Illinois provides enough coverage in many cases. However, you should consider your specific circumstances and choose an auto insurance policy with the proper coverage.
Is $100 a Month Expensive for Car Insurance?
One hundred dollars a month is relatively affordable for car insurance, especially for a policy with full coverage. Our team of agents can help you find the most affordable rates for your desired coverage options.
How Can I Get Cheap Car Insurance in Illinois?
You can get cheap car insurance in Illinois by getting quotes from multiple auto insurance companies and comparing their rates. This will put you in a better position to decide which option offers the most affordable car insurance rate.
Do You Provide SR-22 Insurance Coverage?
Yes, Insurance Navy provides SR-22 Insurance coverage in Illinois with Electronic filing and Instant Proof of Insurance. An SR-22 is required for high-risk drivers to reinstate their driving privileges and prove to the state they have the mandatory minimum car insurance coverage.
Which Cheap Auto Insurance in Illinois Is My Best Option?
Consider your circumstances to determine which cheap car insurance in Illinois is your best option. Ensure a policy offers enough coverage without subjecting you to astronomical prices.