Best Cheap Car Insurance In Illinois 2022

Finding Cheap Car Insurance in Illinois

It should not be difficult to browse around for lower auto insurance rates. That's why we compared 13 major car insurance providers in Illinois to get the cheapest rates for a variety of drivers.

Cheap Illinois car insurance for good drivers

Pekin and Geico are the cheapest car insurance providers in Illinois for good drivers on average, according to CompareInsurance research. Insurers typically like good drivers because they are less expensive to insure, so you might as well take advantage of that. Get prices from several insurance companies and inquire about excellent driver discounts.

Cheap Car insurance in Illinois for drivers with a speeding ticket

In Illinois, a speeding ticket raises the average vehicle insurance rate for a good driver by 28%. The precise premium increase varies by insurance company. Pekin and State Farm have the best average rates for drivers with a speeding ticket, so if you're looking for a coverage and have a speeding ticket on your record, check estimates from those firms.

Cheap Illinois car insurance for drivers who caused an accident with injury

Causing a car accident that injures someone else might cause your insurance costs to rise. In comparison to drivers with an excellent driving record, our analysis indicated an average increase of $828 per year. But that doesn't mean you can't search around for a better deal on your insurance. If you were at fault in an accident, Pekin and State Farm may offer the best prices.

Cheap Illinois car insurance for drivers with a DUI

If you have a DUI conviction on your record, your car insurance rates in Illinois increase by an average of 83 percent. Some insurance companies even raise their rates after a DUI conviction. State Farm is the cheapest car insurance carrier in Illinois for drivers with a DUI, increasing rates by an average of 9% after a DUI in the state.

Cheap Illinois car insurance for drivers with poor credit

If you have bad credit, Illinois car insurance providers will normally charge you a higher cost. People with poor credit pay 84 percent extra for vehicle insurance in the state. If you have bad credit and want the cheapest coverage, Country, Nationwide, and Pekin are three good possibilities.

Cheap Illinois car insurance for adding a teen driver

Adding a teen to your auto insurance policy raises your rates more than being in an accident or being convicted of a DUI. Teen drivers are viewed as a high risk by insurance companies since they are more likely to be involved in an accident. As a result, car insurance rates are higher. Even though American Family has the lowest average rates for parents who add an adolescent, your premiums may more than double.

Cheap Illinois car insurance for young drivers ages 18 to 25

Getting your own auto insurance is a costly first step towards independence. Young drivers are often charged higher rates by car insurance providers. According to our research, Geico and Pekin have the lowest average premiums for young drivers in Illinois. When purchasing a new policy, make certain that you are receiving all of the discounts for which you are eligible. That's a terrific method to save money on your insurance policy.

Cheap Illinois car insurance for senior drivers age 65+

In general, insurance firms charge older drivers greater prices. Geico and Pekin are two Illinois insurers that provide competitive rates for older drivers. When looking for a policy, make sure to inquire about discounts to ensure you're getting the best deal available. For example, if you successfully finish an approved course, you may be eligible for a low-mileage discount or a defensive driver discount.

Least Expensive Vehicles for Insurance in Illinois

You may be able to save money on auto insurance if you choose the proper vehicle. Based on average rates for 50 top-selling 2021 models, the Honda CR-V LX, Jeep Wrangler JL Sport, and Subaru Crosstrek are among the cheapest vehicles for insurance in Illinois. The 20 least priced items are listed below.

Among popular models, the Tesla Model 3 Standard Plus ($2,409 a year) and the Tesla Model S Performance/Plaid ($3,458 a year) have the highest insurance costs in Illinois.

Required Minimum Car Insurance in Illinois

In Illinois, auto insurance is based on liability insurance. It compensates you for any injuries or damage you cause to others. If, on the other hand, another driver is legally responsible for an accident, you can file a claim against their liability car insurance.

In Illinois, car owners must get liability insurance that includes at least:

• $25,000 for one person's bodily harm.
• $50,000 for several people injured in a single accident.
• $20,000 for property damage in a single accident.

State minimums are insufficient for drivers who have money and other assets to safeguard if they are sued. You need a high amount of liability insurance in case you cause a costly accident. Better coverage is depicted in the chart below.

Uninsured motorist coverage is also required in Illinois. UM coverage is only for injuries sustained in an automobile collision, not for vehicle damage. It covers your medical fees if you are hit by a driver who does not have liability insurance or if you are wounded in a hit-and-run.

Underinsured motorist (UIM) coverage is also necessary. This applies to incidents caused by drivers who do not have enough liability insurance to cover your medical expenditures. The difference between the other driver's liability limit and your UIM limit will be paid by your UIM. So, if you have $100,000 in UIM coverage and the other driver only has $25,000, your potential UIM claim is $75,000, not $100,000.

The following are the minimum UM limitations you must purchase:

• $25,000 for one person's bodily harm.
• $50,000 for several people injured in a single accident.

What Else Should I Have?

In many cases, the minimum coverage in Illinois does not include coverage for damage to your own vehicle. If your vehicle is stolen or destroyed by floods, hail, fire, a falling tree branch, vandalism, a collision with a deer, or a riot, you could be stuck with a large auto repair bill–or having to buy a new car–if you do not have collision and comprehensive coverage.

If you have a car loan or lease, collision and comprehensive coverage are frequently required.

Summary: Required Illinois Auto Insurance

Can I Show My Insurance ID Card from My Phone?

According to Illinois law, you can use your phone to present your auto insurance ID card. Many automobile insurance companies provide mobile apps that allow you to easily access not just your ID card but also your policy documentation. You never know when you'll feel compelled to read your policy.

Factors Allowed in Illinois Car Insurance Rates

When determining your rate, auto insurance companies normally consider your driving record, previous claims, car model, and other factors. Companies in Illinois can also leverage these variables.

How Many Uninsured Drivers are in Illinois?

According to the Insurance Research Council, approximately 12% of Illinois drivers do not have insurance. If they hit you, you try to sue them for compensation. Alternatively, you can use your uninsured motorist policy for injuries and collision coverage for vehicle damage.

Penalties for Driving Without Auto Insurance

If you are discovered driving without insurance, you could face a fine of "in excess" of $500 and up to $1,000 for the first offense.

When Can a Vehicle Be Totaled?

If your car is severely damaged, your insurance provider will assess whether it should be declared "totaled." It can also be totaled if the repair costs exceed 70% of the vehicle's fair market value.

There are two ways to get insurance money for a damaged car:

1. If the accident was caused by someone else, you can file a claim against their liability insurance for the value of your vehicle.
2. Alternatively, you can file a claim with your own collision or comprehensive insurance. You can do this if someone else smashed into your automobile or if it was totaled due to an issue covered by collision or comprehensive insurance, such as a flood.

Did You Know?

Any object between the driver and the windshield is illegal in Illinois. This may include your fuzzy dice and pine-tree air freshener.

To ensure that drivers have an unobstructed view, Illinois law states that "no person shall drive a motor vehicle with any objects placed or suspended between the driver and the front windshield, rear window, side wings, or side windows immediately adjacent to each side of the driver that materially obstructs the driver's view."

Solving Insurance Problems

The Illinois Department of Insurance is in charge of overseeing insurance businesses and dealing with consumer complaints. Complaint forms are available online from the department.

Methodology

We analyzed prices from Quadrant Information Services, a provider of insurance data and analytics, to locate the cheapest vehicle insurance companies in Illinois. Rates are based on a female driver with a clean driving record insuring a Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident, and $100,000 in property damage liability, as well as any other coverage required by the state. The price includes collision and comprehensive coverage with a $500 deductible.

Allstate, Auto Club Group, Auto-Owners, Country, Erie, Farmers, Geico, Nationwide, Pekin, Progressive, State Farm, Travelers, and USAA were the businesses reviewed for Illinois.