Auto Insurance Chicago, Illinois Compare online car insurance quotes for Chicago, Illinois.
Are you looking for a great rate on Chicago auto insurance? The best way to save money is to compare multiple car insurance rates and pick the policy that is right for you.
It is important to know how at risk you are with shopping for auto insurance. Out of a population of 2,824,434 citizens, there were 24,752 instances of burglary, 82,924 instances of theft, and a total of 18,604 stolen cars in 2007.
| Chicago, Illinois Crime Statistics | |||
|---|---|---|---|
| Population | Burglary | Theft | Motor Vehcile Theft |
| 2,824,434 | 24,752 | 82,924 | 18,604 |
Every state's minimum insurance levels are slightly different, but all of them include these three basics components:
- Individual Bodily Injury Liability (BIL):
This is the maximum amount that your insurance company will pay for an individual person injured in a car accident. National minimums range from $10,000 to $50,000. Illinois's BIL minimum is $20,000. - Total Bodily Injury Liability:
This is the maximum amount that your insurance company will pay in total for every person injured in a car accident. National minimums range from $20,000 to $100,000. Illinois's total BIL minimum is $40,000. - Property Damage Liability (PDL):
This is the maximum amount that your insurance company will pay for property damage caused by a car accident. This includes all physical damage such as vehicle damage, damage to road signs and telephone poles, and any other non-medical expenses caused by a car accident. National minimums range from $5,000 to $25,000. Illinois's PDL minimum is $10,000.
Even though the minimum insurance requirements in Chicago, Illinois are 20/40/10, it's important to consider purchasing more than the bare minimum. With so many cars on the road worth $50,000 or more, it doesn't take much for a car accident to produce tens of thousands of dollars in damage. The same goes for Bodily Injury Liability requirements.
It's definitely worth paying a few dollars more for higher coverage levels. Otherwise, you take the risk of finding out after an accident that you don't have enough insurance. Often, it doesn't cost much to bump state minimum levels up to a safer level like 100/200/100.
More Statistics on Chicago Illinois
| Illinois Insurance Facts | ||||||
|---|---|---|---|---|---|---|
| Gas Tax (cents) | Insurance Minimums (dollars) | Average Cost | ||||
| Gasoline | Diesel | BIL | BIL (total) | PDL | Illinois | National |
| 19 | 21.5 | 20,000 | 40,000 | 10,000 | $740 | $817 |
Top Ten Stolen Cars in Illinois
- 1991 Toyota Camry
- 1994 Oldsmobile Cutlass
- 2004 Chevrolet Cavalier
- 1992 Chevrolet Van
- 1989 Chevrolet Caprice
- 1993 Ford Taurus
- 1990 Buick LeSabre
- 1994 Dodge Caravan
- 2004 Pontiac Grand Am
- 2000 Dodge Intrepid
