Illinois Insurance

Illinois Auto Insurance (IL)

The best place to find affordable rates in the state of Illinois is is an online insurance marketplace that will allow you to compare auto insurance rates from several auto insurance carriers in order to find the best coverage possible at the best prices. Here you can compare rates from the best insurance companies to help you find an affordable policy that fits your needs. We also offer you a convenient online forum in which you can purchase your insurance policy, which will save you time as well as money.
We offer car insurance for residents of these major cities and all other areas of Illinois. Start shopping for your next policy by getting a free Quote now.

The average auto insurance premium in 2003 for residents of Illinois was around $846. The national average in 2003 was $914. Most residents of Illinois make the incorrect assumption that they must pay auto insurance rates that are fixed by auto insurance carriers and state regulatory agencies. There are competitive auto insurance rates available in Illinois and will help you find them. However, even though the Illinois's were paying less than the rest of the nation, this is still more than they should have paid.
Experts expect there to be a drop in the cost of car insurance in 2008, and this will be the first such drop since 2003. Rates may drop as much as 5% to 1%. Websites such as, through technology, have brought about this change as they have brought the competition directly to the consumer. In the state of Illinois rates for auto insurance have changed over the years. For example, in 2003 Illinois residents were paying around $846 for their insurance. This is a 5.49% increase in just four years when compared to the 2002 rate!

You should not throw away your money by paying too much in auto insurance when you can request a free quote from and get the best rates possible.


There are minimum state requirements for car insurance in the state of Illinois.
Like many states, Illinois follows a Tort system. This means your insurance carrier, will make payments for your injury claims, and it does not matter who is at fault, up to a certain limit.
The specific details of a Tort system vary from state to state and it is wise to know your state's laws. Check with your state insurance regulator for information specific to Illinois law. Visit our State Insurance Regulators page the link to your state insurance regulators websites.
State law in Illinois requires a minimum of Bodily Injury Liability coverage of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability of at least $15,000. This basic coverage is frequently abbreviated as or referred to as 20/40/15 coverage.


There are also two types of additional coverage you can get with Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist coverage. Personal Injury Protection (PIP) covers reasonable medical expenses for you and your passengers in an accident. UnInsured/UnderInsured Motorist pays for damage caused by a driver with little to no insurance.
Illinois state law calls for at least a minimum Personal Injury Protection coverage of 0. can help you find auto insurance companies in Illinois that offer this type of coverage.
It does not matter if you have a spotless driving record or are a high-risk driver will work hard to find you the best auto insurance rates possible in the great state of Illinois. With the auto insurance statistics dealing with things such as car theft and accidents it is important that you have the best coverage in order to protect both you and your property. is always improving their website and services they offer to make it the best place for you to find affordable auto insurance. To begin to save money on your auto insurance in Illinois just enter your zip code and discover how much money you can save!

If you are looking for insurance in another state, we can help you too. Simply enter your zip code above to see how much money you can save.
Request a free Quote and start saving money today.