Best by State.

Best Affordable Auto Insurance in Illinois
Get Free Quotes and Find the Best Coverage

Shopping for Illinois auto insurance can be stressful if you don't know what types of coverage you actually need, and how much you should be paying. Cheap car insurance is available, you just need to be willing to get multiple free quotes and spend time shopping around. Be aware that under Illinois law, all motor vehicle owners must have a car insurance policy that meets the minimum amount of auto liability insurance. In addition, if you lease a car or are a "high-risk" driver, certain dealerships or insurance companies may require you to purchase physical damage insurance to protect their interest in a financed vehicle. The first part of your required coverages is liability coverage which pays for bodily injury as to another person or damages to another's property that you caused due to your negligence when operating a vehicle. The coverage may also pay if the accident was caused by a member of your family living with you or a person using your vehicle with your permission. Liability coverage is often split into two separate coverages; bodily injury and property damage. Illinois law requires bodily injury limits of at least $20,000 for one person injured in an accident and $40,000 for two or more people injured per accident. Property damage pays for damage to another person's car or property such as fences, buildings, utility poles, signs, and trees that were affected by an accident you caused. The state minimum limit for this coverage is at least $15,000 per accident. It is important to note that you may want to buy higher limits as the state minimums may not be sufficient enough to fully protect you from lawsuits. Illinois law has a safe guard against this by also requiring your policy to have uninsured motorist coverage, which protects you for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no auto liability insurance. Currently, the minimum limit is $20,000 per person and $40,000 per accident. Finding the best and most affordable auto insurance in Illinois can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Illinois. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Land Of Lincoln.

Understanding Illinois's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Illinois one must understand what coverage they need. Unlike many other states, Illinois requires insurance coverage from other uninsured motorists. However, it is completely legal to forego Personal Injury Protection (PIP) coverage, as Illinois is a not a no-fault state.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Illinois the minimums are 25/50/10. The numbers are in thousands of dollars.

Illinois Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 25/50/10
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: No
  • Average Liability Cost: $402
  • Average Collision Cost: $290
  • Average Comprehensive Cost: $113
  • Average Cost per Year in Illinois: $723
  • US Average Cost: $795
  • Expense Rank: 26/51

Illinois Auto Insurance News and Articles

How to Find Cheap Car Insurance in Illinois

Best Illinois Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
N/A 65%
41%
N/A 53%
37%
40%
55%
N/R
30%
N/A N/R
N/A 48%
65%
N/R
39%
63%
N/A 42%
N/A 55%
34%
33%
N/R
N/A N/R
35%
N/A 23%
42%
N/R
N/A 50%
N/A N/R
N/R
N/A 75%
33%
N/R
34%
33%
N/A 42%
N/R
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%