Finding cheap car insurance in Illinois varies greatly depending on where you live in the Prairie State. Chicago and its suburbs have significantly higher rates than rural downstate areas. Understanding these differences helps you find the best coverage for your location.
Illinois offers a competitive insurance market with many carriers. By comparing quotes and leveraging discounts, you can secure affordable Illinois car insurance rates.
Illinois Car Insurance Requirements
Illinois requires minimum liability coverage of 25/50/20—$25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage. Uninsured motorist coverage at 25/50 is also mandatory.
The mandatory uninsured motorist coverage adds to baseline costs but provides important protection given Illinois' uninsured driver rate, especially in urban areas.
What Affects Illinois Car Insurance Rates
Your location within Illinois dramatically impacts your car insurance rates. Chicago has some of the highest rates in the Midwest due to traffic, theft, and accident rates. Downstate cities like Springfield and Champaign have much lower premiums.
Illinois weather including severe winter storms affects comprehensive and collision claims. Vehicle theft in Chicago significantly impacts Illinois auto insurance rates for city residents.
How to Save on Illinois Auto Insurance
Comparing quotes from multiple insurers is essential for finding cheap car insurance in Illinois. The rate differences between carriers can be substantial, especially in the Chicago area.
Take advantage of Illinois' discount opportunities including safe driver, multi-policy, good student, and anti-theft device discounts. Consider usage-based insurance if you drive less than average.