Illinois Car Insurance Rates - Auto Insurance Quotes in IL
Illinois's State motto: "State sovereignty, national union"If you are shopping for auto insurance in Illinois, you are at the right place. CarInsurance.com offers strong, reliable carriers. We want customers to shop and pick the best company that is competing for their business. Getting a quote is easy and you get to compare the rates from multiple companies so you know you are getting a good deal with the right coverage. The only way to save on car insurance is to shop for car insurance. The best rate last year is not the best rate this year!
Illinois state law requires minimum Bodily Injury Liability limits of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $15,000. This basic coverage is often referred to as 20/40/15 coverage with 20/40 UM limits.
Illinois Coverage:
Bodily Injury Liability: $20,000/$40,000 Limit
Property Damage Liability: $15,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $20,000/$40,000 Limit
The state of Illinois follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
To help protect against damages caused to you and your passengers by an uninsured driver, Illinois state law requires a minimum Uninsured/Underinsured Motorist coverage of $20,000 per person up to a total of $40,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver (depending on the state).
Get the car insurance you need for your city or any of these other cities in Illinois... Get an auto insurance quote now.
Quotes available in all of Illinois, including:
The average auto insurance premium for residents in Illinois was $846 in 2003; the national average was $914. Some people think the state and insurance companies fix the rates, so they never shop around for better rates. Insurance companies segment their rates differently so everyone's rate will be different with each company. You have to shop around to see if you are saving money. CarInsurance.com helps you find the competitive rates and discounted prices available in Illinois, so average Illinoisans can get a better-than-average low rate on their auto insurance.
2007 had the first decrease in rates since 1999. 2007 had a .5% to 1% decrease in car insurance rates from 2006. In 2008, rates are expected to slowly rise again! Sites like CarInsurance.com recognize that the only way to save is to shop. We bring competition directly to the consumer and lower your costs through technology!
Visit the
U.S. Car Insurance Requirements page to see how Illinois state laws compare to other states.
Rates also change over the years and especially in a state like Illinois, if you are not careful you could end up paying too much for your auto insurance. Looking back, the average auto insurance premium in 2000 was about $726; it increased 16.53% in just 3 years! Since then rates have fluctuated. Don't waste your money paying high insurance premiums, start saving now by spending 10 minutes comparing rates on CarInsurance.com.
For those with a great driving record and even those with the not-so-great driving record, we can give you the best rates available in Illinois. We believe it is very important to take care of yourself and your property, and CarInsurance.com has the most affordable rates in Illinois. We allow you to compare the rates and purchase on one site. All the residents of the Prairie State know that to get the low cost rates from a reliable company, CarInsurance.com is the only name you need to know.
Looking for car insurance in a state other than Illinois? At CarInsurance.com, we provide the low cost quotes and rates for all the 50 States. To get a quote for another city or state, type in your zip code above and find out how much you can save. For more information, choose a different state below.