Illinois Car Insurance - Auto Insurance Quote in IL
Illinois has 292,789 miles of roads and highways, the third most in the entire country. Let CarInsurance.com help you with your auto insurance needs as you travel the state.
| Current average car insurance premium in Illinois | $1,093.52 |
| Current average car insurance premium U.S. | $1,602.16 |
| Chicago | $1,290.21 |
| Rockford | $1,007.68 |
| Check out our car insurance rates in more Illinois cities | |
[Let CarInsurance.com help you find affordable auto insurance now.]
Wonder about how Illinois' car insurance quotes are trending? Look no further than CarInsurance.com's Average Premium Trend Tool, which shows changes in auto insurance rates over the past few months. By holding the mouse over the points, you can see Illinois' annual average premium.
To make the process as easy as possible, CarInsurance.com has more than a dozen carriers available to give you information and detail the coverage they offer. The site also features various tools that can supplement your information-gathering and let you compare rates and policy options. We'll show you what other Illinois drivers pay for insurance and what the state's minimum legal requirements are.
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.
Minimum Required Insurance Coverage in Connecticut:
Bodily Injury Liability: $20,000/$40,000 Limit
Property Damage Liability: $15,000 Limit
Uninsured Motorist Bodily Injury: $20,000/$40,000 Limit
*Underinsured Motorist Bodily Injury is required if higher Uninsured Motorist Bodily Injury limits are selected. Most carriers combine this coverage.
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.
The first option available at CarInsurance.com is the Minimum State Required package. But you can adjust from there, choosing more comprehensive packages with liability limits and deductibles that you decide on. If you'd rather talk to someone, CarInsurance.com's agents, all licensed in Illinois, are at the ready to give you all the facts you need.
Some motorists may believe that insurance companies and state regulators fix rates so it doesn't pay to shop around. Although insurers must offer similar coverage at similar prices to those with similar risk profiles, they have flexibility in their price policies based on the amount of risk they want to take on.
That means it's wise to compare rates before you buy. CarInsurance.com can help you get the ball rolling. Just enter your Illinois ZIP code in the quote boxes at the top of this page or follow this link to get an auto insurance quote now.
You’ll pay more for car insurance if you choose a vehicle that’s stolen more often. Here are the models car thieves in Illinois are stealing most:
