Getting an Illinois car insurance quote has never been simpler. Just fill out your Illinois zip code above and you can get started saving immediately. If you aren’t sure what kind of coverage you’ll need, or just want to learn more about the insurance options available to you, we have provided information on the most popular topics below.
Car owners need to be responsible with their vehicles. As in other states, Illinois follows strict laws when it comes to insurance. The state requires all drivers to carry liability insurance for their vehicles at all times. Keep reading to learn more about your responsibilities as a driver in the state.
Minimum Auto Insurance Requirements In Illinois
A good starting place when considering insurance for your car, is the minimum amount of liability coverage you are required to carry at any given time. However, be aware that the minimum coverage amount is just that. In the event of an accident, you may find you need a whole lot more coverage and are strongly recommended to get more than just the basic amount.
At the current time, Illinois operates under what is known as 20/40/15 liability coverage. For those who don’t speak in insurance jargon, this means that you need to have a least $20,000 worth of bodily injury coverage per person in an accident and $40,000 total bodily injury coverage per accident. In addition, you also need to have at least $15,000 worth of property damage coverage.
In addition to this coverage, Illinois also requires you buy Uninsured Motorist Bodily Injury Coverage (UM) and Underinsured Motorist Bodily Injury Insurance (UIM). At the current time you’ll need at least $20,000 bodily injury per person and $40,000 bodily injury per accident coverage for each type of insurance added to your policy.
Unlike other states, you are not required to buy Personal Injury Protection (PIP). Moreover, it should be noted that Illinois is not a ‘no-fault’ state, but operates instead under a Comparative Negligence system where people can be found partially and/or fully at fault for an accident.
Finally, you should be aware that any reputable Illinois based, or licensed insurance company will be aware of all the minimums listed above and only sell you corresponding insurance coverage when you request a free car insurance quote. If you are a teenage driver you may also wish to have a look at the Auto Insurance Facts for Teen Drivers published by the Illinois Department of Insurance.
Illinois State Auto Insurance Laws
Illinois car insurance is regulated by a variety of auto insurance laws. Perhaps the most important of which is the Illinois vehicle code: (625 ILCS 5/7-601). It sets out the requirements and penalties for driving and insurance matters within the state.
The most important thing to know is that you must be fully insured at all times when operating your vehicle. The minimum and required coverage amounts and types are listed above. Moreover, you should note that while Illinois is not a ‘no-fault’ state, it does operate under Comparative Negligence where both drivers can be found at fault in an accident. This can make filing an auto insurance claim a bit different compared to states that operate under ‘no-fault’ laws and those that operate under pure ‘at fault’ tort systems.
Besides this, you are always required to carry proof of insurance when driving your vehicle. You are are required to show proof of coverage if requested by Police or other law enforcement officers.
Failure to do so, will result in a minimum $500 fine for driving uninsured. You can also get a minimum $1,000 fine for driving a vehicle while the license plates are suspended for a previous insurance violation. For more details about what insurance you need to register your vehicle or renew your plates, please check out CyberDriveIllinois.com, the website for the state DMV.
Finally, if you find that you can’t buy car insurance on the open market, Illinois has a program for you. The Illinois Automobile Insurance Plan (ILAIP) allows those who meet certain requirements to get coverage; even if they have been rejected by other companies. However, coverage is usually more expensive and is meant as a way to improve your risk profile to potential insurers. Hopefully, allowing you to eventually buy cheaper, private coverage.
Illinois Car Insurance Companies
In addition, to the Illinois Automobile Insurance Plan, for high risk drivers the Illinois Insurance Department also has a guide to Finding a Reputable Insurance Company. Alternatively, you can of course just use our free quote form to find a company near you.
One final popular option is to visit the websites of some of the state’s largest insurers. The following is the Insurance Information Institute’s list of licensed Illinois insurance companies.
Kemper Corporation (formerly Unitrin)
Before buying insurance it is always a good idea to find out if they have any complaints against them. Fortunately, the Department of Insurance keeps records of complaints going back for the past 10 years. On the other hand, if you have your own complaint they can also help you to file it.
Average Illinois Auto Insurance Rates
Figuring out average Illinois car insurance rates can be a bit tricky. Different groups collect different stats depending on who they ask. For example, the Insurance Information Institute (I.I.I.) claims that in 2008 the average driver in Illinois paid $720 per year for car insurance, about the same as the national average. Whereas, in 2011 CarInusrance.com claims the average rate paid by Illinois drivers was $977.57, about 1/3rd lower than the national average.
Besides the obvious difference between which year the data comes from, the methodology is somewhat different too. The I.I.I. collects information on all policies issued, whereas CarInusrance.com’s numbers come only from online quote applications.
At the end of the day, the average rate for car insurance is not as important as the rate you get quoted. Just be a little cautious if one company quotes you a rate well below what all other companies do. They may be omitting something. Remember, it always pays to do your homework.
Illinois Car Accident Statistics
Driving in Illinois, like everywhere else, has it’s risks. At the very least, you should be familiar with the Illinois Rules of The Road before driving in the state. In 2008 the National Highway Traffic Safety Administration (NHTSA) reported there were just over 1,000 fatal accidents on Illinois roads. This is a huge drop from the over 1,500 fatalities recorded back in 1990.
In terms of the fatalities per 100 million vehicle miles traveled the drop is even bigger, going from 1.9 in 1990 to 1.0 in 2008. This makes Illinois decidedly safer than the US national average and in fact makes it one of the safest states in the whole nation.
However, Illinois is a little worse than average when it comes to the number of fatal traffic accident caused by drunk drivers. About 35% of fatal car accidents in 2008 were caused by a driver with a BAC over .08 (the level at which you would be given a DUI). This is slightly higher than the national average of 32%. Still the silver lining is that the number has been dropping over the past two decades.
Finally, if you live in Cook County (which includes Chicago) you should be aware that you are living in by far the most dangerous county as reported by the NHTSA. 29% of all traffic fatalities in the state. occur within its borders. The next 4 most dangerous counties are: Will County, St. Clair County, Kane County and Winnebago County. Although they only had 13% of all traffic fatalities between them.
Thus, if you’re driving in Chicago or anywhere in Cook County please be careful, as your risk of getting in an accident are much greater than they are in the rest of the state.
Getting Illinois Car Insurance Quotes Online
It is possible to go beyond what the law’s minimum requirements (listed above) are. In fact, a rule of thumb when it comes to insurance is to get the most coverage you can afford. That way, you can rest easy knowing that you, your property, and any passengers you might have will be covered by your insurance policy.
Check the different companies who can give you an Illinois car insurance quote to see which is the best out there.
If you want to make sure that you are getting the best policy out there, go online to compare car insurance quotes. An online car insurance quote should always be free and have no strings attached. So you can check the various Illinois car insurance quotes and packages from the convenience of your own home.
You can get started now by getting multiple car insurance quotes using the zip code form below:
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