Enter your ZIP code:

Illinois Auto Insurance

Illinois auto insurance rates vary greatly. And comparing different insurance companies' and agents' offerings is an important part of finding affordable Illinois auto insurance.

 

InsureMe enables you to find affordable Illinois auto insurance by providing you with the information you need to make an informed purchasing decision. You provide us with a little information about yourself and your driving habits, and we match you up with Illinois auto insurance agents who are eager to help you. It's just that easy!

 

Fill out our "Get a free quote" box now, and start saving on your Illinois auto insurance today!


Important Illinois Auto Insurance Information

Illinois law requires all automobile owners to acquire certain minimum amounts of auto insurance. Required coverages encompassed within state law include liability, which pays for injuries you cause to another person, or property damage you cause through negligent driving; uninsured motorist, which covers your own bodily injury when involved in a hit-and-run accident, or when hit by a driver who is at fault but holds no insurance; and underinsured motorist, which pays the difference between your uninsured motorist coverage and the at-fault driver's liability coverage.

 

To help you understand these coverages further, liability includes bodily injury coverage of $20,000 per person per accident and $40,000 per accident, as well as property damage of at least $15,000 per accident. The law requires uninsured motorist coverage of $20,000 per person and $40,000 per accident. Underinsured motorist coverage is required only when you purchase higher limits of uninsured motorist insurance.

 

Consider buying higher limits of Illinois auto insurance than those mandated by state law to fully protect yourself. State minimums may not be sufficient to cover the complete value of your car, provide adequate finances for medical bills incurred as the result of an accident, or protect you from lawsuits.

 

You may also need physical damage coverage. This pays for damage to your auto, minus your deductible, in case of an accident, and includes both collision and comprehensive. The collision portion pays for damage incurred if you're involved in an accident with another automobile or fixed object, whereas comprehensive pays for damages due to other causes, such as hail, fire or theft. Talk to a knowledgeable Illinois auto insurance agent to determine if you need physical damage coverage for your automobile.

 

Factors Affecting Your Premium

Pricing amongst Illinois auto insurance companies varies greatly. Premiums are, however, based upon certain determinable factors and characteristics. Some of these are:

  • Age, gender and marital status
    Certain groups of drivers have more accidents.
  • Auto type
    Some vehicles cost more to repair.
  • Where you drive, how you drive, use of your vehicle These factors may increase your risk of accident.
  • Driving record
    Accidents or tickets mean higher premiums.
  • Household driving information
    Ages and driving records of other household drivers also affects premiums.
  • Coverage limits
    The more insurance you buy, the higher your premium.
  • Credit history
    Illustrates your financial stability, helping to determine overall cost.

Discounts

Some Illinois auto insurance companies offer consumers discounts based on driving habits, past payment history, and other factors lowering their claim risk. Some discounts that may be available include those for multiple policies, defensive drivers, low mileage, safety or anti-theft devices, car pools, and mature drivers. Knowledgeable Illinois auto insurance agents or companies can tell you which of these discounts they offer and how much that discount will lower your premium.

 

If You Can't Find Auto Insurance

The Illinois Automobile Insurance Plan enables drivers with poor driving records, or those who own certain types of autos uninsurable through normal insurance markets, to qualify for Illinois auto insurance. Applicants for this plan must have been turned down for auto insurance by other insurance companies; must have a valid driver's license or be eligible for one; must not be delinquent on any previous auto insurance premiums; and must drive a vehicle which is safe to operate.

 

Premiums under this plan may be higher than those falling under other "normal" insurance coverages. However, maintaining a good driving record while on the plan will eventually authorize you to return to a standard insurance company and plan.


Save Today!

Illinois auto insurance doesn't have to be out of reach. InsureMe has connections with many of Illinois' top insurers, so some of the most competitive auto insurance quotes are right here at our fingertips. Let us contact them for you, and we'll give you up to five free Illinois auto insurance quotes.

 

Don't risk finding yourself uninsured. Fill out your information and get the Illinois auto insurance policy you need today!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10874
101 Wyoming Auto Insurance youcomparequotes 10772
100 Wisconsin Car Insurance youcomparequotes 10396
99 Wisconsin Auto Insurance youcomparequotes 10481
98 West Virginia Car Insurance youcomparequotes 11397
97 West Virgina Auto Insurance youcomparequotes 10344
96 Washington, D.C. Car Insurance youcomparequotes 11997
95 Washington, D.C. Auto Insurance youcomparequotes 11027
94 Washington Car Insurance Quotes youcomparequotes 11508
93 Washington Auto Insurance Quotes youcomparequotes 11172
92 Virginia Car Insurance youcomparequotes 10839
91 Virginia Auto Insurance Quotes youcomparequotes 10853
90 Vermont Car Insurance youcomparequotes 13085
89 Vermont Auto Insurance youcomparequotes 10125
88 Utah Car Insurance youcomparequotes 10783
87 Utah Auto Insurance youcomparequotes 10591
86 Texas Car Insurance Quotes youcomparequotes 10813
85 Texas Auto Insurance Quotes youcomparequotes 10810
84 Tennessee Car Insurance youcomparequotes 10418
83 Tennessee Auto Insurance youcomparequotes 11001
82 South Dakota Car Insurance youcomparequotes 10663
81 South Dakota Auto Insurance youcomparequotes 9939
80 South Carolina Car Insurance youcomparequotes 10858
79 South Carolina Auto Insurance youcomparequotes 10735
78 Rhode Island Car Insurance youcomparequotes 10211
77 Rhode Island Auto Insurance youcomparequotes 10584
76 Pennsylvania Car Insurance Quotes youcomparequotes 10913
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11409
74 Oregon Car Insurance Quotes youcomparequotes 11069
73 Oregon Auto Insurance Quotes youcomparequotes 10724
72 Oklahoma Car Insurance youcomparequotes 10771
71 Oklahoma Auto Insurance youcomparequotes 10741
70 Ohio Car Insurance Quotes youcomparequotes 10472
69 Ohio Auto Insurance Quotes youcomparequotes 10399
68 North Dakota Car Insurance youcomparequotes 10480
67 North Dakota Auto Insurance youcomparequotes 10876
66 North Carolina Car Insurance youcomparequotes 14179
65 North Carolina Auto Insurance youcomparequotes 11163
64 New York Car Insurance Quotes youcomparequotes 10398
63 New York Auto Insurance Quotes youcomparequotes 11366
62 New Mexico Car Insurance youcomparequotes 9854
61 New Mexico Auto Insurance youcomparequotes 9973
60 New Jersey Car Insurance youcomparequotes 10202
59 New Jersey Auto Insurance youcomparequotes 10341
58 New Hampshire Car Insurance youcomparequotes 11251
57 New Hampshire Auto Insurance youcomparequotes 10866
56 Nevada Car Insurance youcomparequotes 10576
55 Nevada Auto Insurance youcomparequotes 10609
54 Nebraska Car Insurance youcomparequotes 10263
53 Nebraska Auto Insurance youcomparequotes 11231
52 Montana Car Insurance youcomparequotes 10288
51 Montana Auto Insurance youcomparequotes 10437
50 Missouri Car Insurance youcomparequotes 10595
49 Missouri Auto Insurance youcomparequotes 10493
48 Mississippi Car Insurance youcomparequotes 10905
47 Mississippi Auto Insurance youcomparequotes 10808
46 Minnesota Car Insurance Quotes youcomparequotes 11041
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11145
44 Michigan Car Insurance youcomparequotes 10229
43 Michigan Auto Insurance youcomparequotes 9959
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17264
41 Massachusetts Auto Insurance Reform youcomparequotes 11046
40 Maryland Car Insurance youcomparequotes 11250
39 Maryland Auto Insurance youcomparequotes 11267
38 Maine Auto Insurance youcomparequotes 10920
37 Louisiana Car Insurance youcomparequotes 11213
36 Louisiana Auto Insurance youcomparequotes 10568
35 Kentucky Car Insurance youcomparequotes 10669
34 Kentucky Auto Insurance youcomparequotes 10386
33 Kansas Car Insurance youcomparequotes 10210
32 Kansas Auto Insurance youcomparequotes 10640
31 Iowa Car Insurance youcomparequotes 10502
30 Iowa Auto Insurance youcomparequotes 10516
29 Indiana Car Insurance youcomparequotes 10472
28 Indiana Auto Insurance youcomparequotes 10437
27 Illinois Car Insurance youcomparequotes 10454
» Illinois Auto Insurance youcomparequotes 10100
25 Idaho Car Insurance youcomparequotes 10323
24 Idaho Auto Insurance youcomparequotes 10408
23 Hawaii Car Insurance youcomparequotes 10755
22 Hawaii Auto Insurance youcomparequotes 10842
21 Georgia Car Insurance youcomparequotes 10062
20 Georgia Auto Insurance Quotes youcomparequotes 10956
19 Florida Car Insurance Quotes youcomparequotes 12453
18 Florida Auto Insurance Quotes youcomparequotes 10397
17 Find Maine Car Insurance youcomparequotes 10364
16 Delaware Car Insurance youcomparequotes 10655
15 Delaware Auto Insurance youcomparequotes 10533
14 Connecticut Car Insurance youcomparequotes 10450
13 Connecticut Auto Insurance youcomparequotes 10274
12 Colorado Car Insurance Quotes youcomparequotes 10461
11 Colorado Auto Insurance youcomparequotes 10014
10 California Car Insurance Quotes youcomparequotes 10957
9 California Auto Insurance Quotes youcomparequotes 11098
8 Arkansas Car Insurance youcomparequotes 11143
7 Arkansas Auto Insurance youcomparequotes 10634
6 Arizona Car Insurance Quotes youcomparequotes 10588
5 Arizona Auto Insurance youcomparequotes 11023
4 Alaska Car Insurance youcomparequotes 10767
3 Alaska Auto Insurance youcomparequotes 11561
2 Alabama Car Insurance youcomparequotes 10242
1 Alabama Auto Insurance youcomparequotes 10757
XE Login