Instantly find the cheapest Illinois auto insurance rates by comparing multiple companies. Shop the top-rated policy options by viewing side-by-side comparisons and viewing the IL carriers with the best offers. Your free online quote is customized to maximize savings. Whether you live in Chicago, Naperville, Rockford, Aurora, or any other city, we can help! We specialize in assisting persons that can not find affordable coverage. We show you how much each policy costs each month, and the amount of your total savings.
For more than three decades, we have helped drivers obtain the best prices, by providing unbiased advice, live and accurate quotes, and updated reviews and requirement information. We accept no advertising, and are generally considered the foremost leading Illinois car insurance authority, since we can significantly reduce the premium. Both new and Senior drivers can potentially reduce premiums by as much as 45%. Your free comparisons are customized to match the vehicles you drive, and the type of coverage that best fits your specific situation. If you add or subtract drivers or vehicles, you can instantly update the best options.
Meeting The State Minimum Liability Limit Requirement
Regardless of which carrier insures your vehicles, the state minimum liability requirement (Law 625ILCS 5/7-601) must be met. Although it periodically changes, currently, drivers must carry bodily injury of $25,000 per person and $50,000 per occurrence. An additional $25,000 of property damage coverage is also required. Uninsured motorists (UM) for the same $25,000/$50,000 is compulsory. All licensed vehicles, including cars, trucks, motorcycles, recreational vehicles, and buses are required to meet the minimum limits, and also have a copy of your insurance ID card available in the vehicle. The next level of coverage is $50,000/$100,000/$50,000.
UM property damage (UMPD) is optional, and provides protection if someone without recognized insurance causes physical damage to your vehicle that is not covered on your existing policy. You are entitled to damages up to the value of your vehicle at the time of the loss. Therefore, if you have an older car with high-mileage, it may not be cost-efficient to carry this coverage.
Collision and comprehensive (vandalism, glass breakage, fire, theft etc...) is also optional. If you own your car (outright), a bank or financial institution can not force you to provide coverage unless you are using that vehicle as collateral. However, for vehicles less than 10 years old, it is advisable to continue to include collision and comprehensive coverage. Comprehensive only is also available.
You are also required to carry proof of coverage while driving, and to provide the identification card if requested by a police officer or the Illinois BMV. Typically, you receive a new ID card every six months when your policy renews. Random questionnaires are also sent after moving violations are registered. Failure to provide proof of coverage can result in a fine and license suspension.
For example, if you are unable to show proof of current and compliant coverage, you may have to forfeit your license plates, and pay a fine of $500. This amount could increase to $1,000 if you are driving with suspended license plates. A $100 reinstatement fee will have to be paid, and the involved vehicle will not be allowed to be operated by any driver. You can be stopped for a traffic violation, or receive a questionnaire in the mail (randomly generated). In both situations, you are required to show proof of compliance.
If Your Illinois Car Insurance Is Cancelled
Although receiving a cancellation notice in the mail is a virtual guarantee of higher premiums, understanding your options helps ease the pain and saves you money. You may temporarily pay more, but it does not signify the situation will last long-term. Of course, receiving multiple cancellation notices will have a bigger impact on your premium.
NOTE: For the first two months (60 days) of coverage, you can be cancelled, and in most situations, it will not be overturned. Also, if your initial payment is not honored because of lack of funds, credit card declination or a similar situation, the policy will be backdated and terminated, as if it was never in-force.
There are three types of "cancellations." A "non-renewal" occurs when the carrier notifies you that your policy is ending and you can not continue coverage. A "flat" cancellation is simply when the carrier ends your policy prior to the official expiration date. A contract can also be rescinded when the insurer voids the policy as if it never existed. Therefore no claim is honored and a complete refund of any monies you paid will be returned. Thus, any submitted claims will be rejected.
Other Reasons A Policy Can Be Cancelled
Not paying a required premium, even if it is a result of a recent change to the policy.
Violating the conditions of the contract.
Submitting a fraudulent claim or assisting another person doing the same thing. Prosecution is also likely.
Bought the policy through misrepresentation of facts.
Someone in your household has a suspended license or a health condition that puts other drivers at risk.
Major violations (DUI, Hit and Run etc...) within last 36 months for any member of the household.
Vehicle, because of mechanical or structural issues, has become a risk to other vehicles on road.
You transfer explosive or bomb-making materials in your vehicle. These situations may also result in state or federal investigations and/or charges.
How We Find The Best Prices
At first it wasn't easy, but after 37 years of experience (it doesn't seem that long), we know and understand what information is needed to show customers the best live prices. Incredibly powerful and state-of-the-art software products and data collection from insurers also helps us instantaneously determine which policy and/or carrier is the perfect fit for you. Whether you're 55 and retired or just got your license this year, we match you with the companies that can offer the biggest savings. Since we update carrier rates every week, we are always posting current offers. If companies leave or enter the marketplace, we immediately update your best options.
To provide the lowest available rates, it's extremely important to understand that the best fit for a high-risk driver in Chicago, will be different than a retired couple with a clean driving record in Champaign. Likewise, car insurance rates in Naperville and Joliet will differ than rates in Decatur and Peoria. And a family with four older vehicles may be better matched with a carrier that is different than the company that covers a single parent with two new vehicles. Each situation is different and underwriting guidelines constantly change. No single company is the best match for all situations, even in the same geographical area.
Once your zip code is provided, within 10-15 seconds, we show you the companies that are the most likely to have the lowest prices in your area. It only takes a few moments to view quotes, and compare various deductible and liability scenarios. You can also apply for coverage online, even if you need same-day coverage. Any required proof of coverage and/or ID cards can quickly be printed so you are immediately compliant. Of course, we never require that you provide financial or personal information. Also, there are no application or enrollment fees.
All major companies are reviewed, which helps us show you the most competitive rates in your area. Carriers that often feature attractive prices include Auto-Owners, Hartford, Farmers, State Farm, Rockford Mutual, Grange, Hastings Mutual, AAA, American Family, 21st Century, Cincinnati, SECURA, and Allstate.
What About Chicago?
Auto insurance rates in big cities (especially the biggest cities in the US) are often among the highest you'll find. But Chicago prices are fairly low compared to other big metropolis areas, and typically, you don't see the Windy City on the Top-20 lists of the most expensive large cities. Nearby Detroit, Milwaukee, and Minneapolis have higher pricing. However, Columbus, Fort Wayne, Cincinnati, and Indianapolis have lower rates.
For example, in a recent national survey published by "The USA Today," Chicago's rates were rated as the 21st most expensive (for bigger cities) well behind Detroit, Miami, New York, Los Angeles, Atlanta, Philadelphia, and Houston. A comprehensive public transportation system helps reduce a fairly significant amount of traffic coming in and out of the city, especially during rush hour. And certainly this reduces the number of submitted claims each year. Adverse weather, however, increases the number of accidents in Winter months.
Based upon recent studies and research, the three zip codes that feature the lowest prices in the Chicago area are 61761, 63205, and 62301. The three most expensive zip codes are 60621, 60624, and 60644. Often, the poorest neighborhoods of big cities have the highest prices, and Chicago is no exception. If you live in the Englewood area, you may pay as much as 30% to 60% higher than if you lived less than 20 minutes away. Higher crime rates also can contribute to bigger premiums because of increased theft, vandalism, and glass breakage. We hope that by 2018 or 2019, Chicago's crime and homicide rates will reduce, although political and governmental changes may be needed.
Worst Illinois Cities To Get A Speeding Ticket
If you are convicted of a speeding violation, in most parts of the state, the cost is approximately $80 to $140, not including any unpaid parking tickets or other moving violation infractions. But that money is just the tip of a bigger iceberg. It is possible that your auto insurance premiums will increase, depending on how quickly your carrier checks your MVR.
We have listed below seven cities where you are likely to see your rates increase the most:
East St. Louis
Which Cities In Illinois Have The Cheapest Car Insurance Rates?
Before we list the cities that made our list, here's a big caveat: The list constantly changes, and since every household has a unique combination of vehicles, drivers, coverage, etc...don't fret if your city did not make the list. Your prices may still be very cheap. Here they are:
Department Of Insurance Help
The State DOI is a great consumer resource for helpful information that your tax dollars pay for. Among the most common topics discussed are use of credit reports in the underwriting process, what to do if your policy is canceled or non-renewed, driving in Mexico or Canada, worker's compensation, fraudulent company practices, and identity theft.
Also, a comprehensive list of fact sheets is made available to help current residents and persons that are moving to the state that need to update their license, registration, or title. Additional information is provided on comparative negligence, vehicle sharing, and tips for teen drivers.
Four Quick Tips That Will Save You Money
If there are students in your household, always ask if you qualify for a "good student" or "student away" discount. The first option will reduce premiums by up to 20% if your child maintains a "B" or "80" average. The second option will dramatically reduce your rate if your son or daughter spends all (or nearly) year at school without one of your vehicles. Since youthful residents dramatically increase prices, these two discounts could make a huge difference. If you need help getting cheap high-risk car insurance rates, there are actually several carriers that specialize in finding the best offers. SR-22 Bonds are also available.
The AARP Smart Driving Course is a four-hour meeting (for two days) offered at many locations throughout the state. Libraries and schools are common meeting places. Defensive driving, laws, safety tips, and regulation are emphasized to help Seniors refresh and possibly improve some of their skills. The price for course completion is only $15 ($20 if you don't belong to AARP) and by providing the certificate of completion to your carrier, a discount will be provided. Also, the reductions in premium will continue each year.
Make certain that you are "rated" correctly. Illinois car insurance prices are based on many factors including the "territory" where you live. Depending on the company, it could be based on your zip code, or possibly your county. For example, if you live in Lake, Dupage, or Will counties, even though you're close to Chicago (and Cook County), your rates should be quite different. And probably much lower!
Check your credit! Most companies utilize some form of your credit report to help determine the rate. While some carriers don't consider good or bad credit a major factor in determining prices, others, such as Allstate, more heavily rely on the data. You don't need an 800 score to get great offers, but if you recently had major credit issues, there are specific companies that will not be worth considering. There are several credible companies that offer free annual credit checks.
State Farm is raising rates again, but the increase is only 1.1% and will be effective the end of April. There also have been two previous price hikes within the last two years. Higher-than-expected claims are the major reason for the change in premiums. Nationally, State Farm has been paying out more money in claims than the amount of funds received for customer premiums. However, investment gains have offset these losses.