What to Know About Car Insurance


Car Insurance Laws & Facts in Illinois

In Illinois, all vehicle owners must carry car insurance that includes both liability insurance, to cover injuries and property damage you may cause to others, and uninsured motorist insurance, to cover your own injuries and property damage if you are hit by an uninsured or underinsured driver. All other coverage is optional. If you are caught driving without insurance in this state, you may be fined up to $4,500 and have your driver's license suspended for up to four months.

More Illinois car insurance facts

  • On average, there are about 310,000 vehicle accidents in Illinois every year.
  • Of these, about 21.5% result in injuries, and 78.5% involve property damage only.
  • In IL, the average cost of a crash with injuries is $36,600, while property-damage only crashes average $12,400.
  • The estimated total cost of accidents in Illinois each year is about $8 billion.

Average Cost of Car Insurance in Illinois

Vehicle owners in Illinois pay an average of $1,079 a year for their car insurance coverage. This is significantly lower than the national average rate of $1,311. Your actual costs will be based on several factors such as the make, model, and year of your car and information about you like your driving record, age, occupation, and credit score. Every insurance company uses its own method for calculating costs, so comparing a variety of quotes lets you be sure that you are getting your coverage at a competitive price. Independent insurance agents make comparison shopping easy.

Compare the Average Cost of Car Insurance Per Year in Illinois

Why Choose an Independent Insurance Agent?

  • Independent insurance agents live and work in your community.
  • These agents can shop around to help you find the best policies.
  • Your agent can provide one-stop shopping for all your insurance needs.

Find an independent Insurance agent in Illinois 

I needed to find a more reliable insurance company for my vehicle, so I decided to go online to shop around. I was pointed in the direction of trustedchoice.com. I had heard of them before, but was unsure about going with an independent insurance agent. I decided to call, and surprisingly had all of my problems answered immediately. They did all of the research for me, and for a good price. 

Homeowners insurance five star review Marvin of Rockford, IL Consumer Affairs

What Does Your Car Insurance Policy Cover?

Here in the Land of Lincoln, all car insurance policies are required by law to include liability insurance and uninsured motorist coverage. Collision and comprehensive coverage are not required by the state, but are typically required by lenders until your car is paid in full. You can expect your insurance company to offer the following mixture of required and optional coverage:

  1. Liability coverage (required): Pays for third-party injuries and damage if you cause an accident. Your policy must include at least $25,000/person and $50,000/accident in bodily injury coverage, and at least $20,000 in property damage coverage.
  2. Uninsured motorist coverage (required): Covers your property damage and medical treatment if you are injured in an accident caused by an uninsured, underinsured, or hit-and-run driver. Your policy must include at least $25,000/person and $50,000/accident in bodily injury coverage, and at least $15,000 with a $250 deductible in property damage coverage.
  3. Comprehensive coverage (optional): Pays to repair or replace your vehicle if it is damaged or totaled by a non-collision event like a tornado, flood, hailstorm, or theft. This coverage may be required if you are leasing your car or have an auto loan.
  4. Collision coverage (optional): Pays to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault. Like comprehensive insurance, this coverage may be required if you are leasing your car or have an auto loan.
  5. Medical payments coverage (optional): Sometimes called personal injury protection (PIP), this insurance is designed to cover the cost of medical treatment for you and your passengers if you are injured in a collision, regardless of fault.

If you currently owe more for your vehicle than it is worth, be sure to talk to your insurance agent about gap insurance. This coverage can provide an added layer of protection in the event that your vehicle is totaled.

Top Insurance Companies that Support Independent Agents in Illinois

There are currently 1,184 independent insurance agencies Illinois that are ready to help. These local agents are free to work with several different insurance companies, so they can help you compare customized auto insurance quotes from a  selection of highly rated providers. Let an independent insurance agent in Illinois help you find the best car insurance policy to meet your family's coverage and budgetary needs.

Why go Independent

Why Go Independent When Looking for Car Insurance?

  • One call, multiple quotes
  • Pay less for more coverage
  • Expertise in your community