Illinois Car Insurance

Illinois auto insurance laws require that all drivers in the state have liability insurance coverage to pay for any bodily injury to another person or property damage they may cause due to negligent driving. In addition, you must possess uninsured motorist bodily injury coverage to pay for medical bills if a hit-and-run driver or a driver with no auto liability insurance causes you bodily injury, and underinsured motorist bodily injury insurance to pay the difference left if the at-fault driver’s limit has been exceeded. Physical damages, collision coverage, and comprehensive coverage, which pay for damages caused by other perils, may be also be included in an automobile insurance policy, though they may not be mandatory.

Required Coverages in Illinois:

  • Bodily Injury Liability Per Person: $20,000
  • Bodily Injury Liability Per Accident: $40,000
  • Property Damage Liability: $15,000

You face a fine or suspension of vehicle registration if you are caught driving without the minimum required auto insurance in Illinois, according to the Illinois Department of Insurance. Illinois offers a plan for drivers who are not able to find auto insurance through the normal insurance markets. You may be eligible for the Illinois Automobile Insurance Plan if you have been turned down for auto insurance from other companies, if you have a valid driver’s license or are eligible to apply for one, if you have not owed a premium for prior insurance coverage within the past 36 months, and if your vehicle is in a safe, working condition.

Determining Your Rate in Illinois

Age, gender, and marital status may affect the cost of your premium because there is statistical proof of accident rates among certain groups of drivers. Your driving record, including the number of accidents and tickets in your driving history, will also affect your premium. In addition, if your home is in a heavily populated area, your premium may increase because of the heavier traffic and increased chance of theft or vandalism. Your distance from work and your annual mileage will also affect home much you pay for insurance.

The average auto insurance expenditure in Illinois was $728 in 2009, according to the Insurance Information Institute. Your premium may be eligible for discounts if you have anti-theft devices installed on your vehicle, if you carpool, if you have passed a state-approved defensive driving course, if you have maintained a good driving record, if you maintain a low annual mileage — usually 7,500 miles — or if you have multiple vehicles insured with the same company. Keep in mind, though, that these car insurance quotes in Illinois are only an estimate of what your insurance may cost.