Best Auto Insurance Rates in Des Plaines, Illinois

On average your neighbors pay $67 a month.

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Though Des Plaines, Illinois, is a small city, it offers residents and visitors a lot of history, culture, and entertainment. One example is the "Original McDonald's.” Another is the Rivers Casino.

The latter not only draws many patrons but is also the city’s largest employer. In other words, people in Des Plaines aren’t afraid to gamble.

Something even they shouldn't leave to chance, though, is their car insurance rates. Let QuoteWizard help you get coverage that fits your needs and budget.

Average Des Plaines Car Insurance Rates

How much is car insurance in Des Plaines, IL? Rates here can be expensive with many drivers paying higher premiums than both the state and national average. The average cost of auto insurance in Illinois is $803.64 per year. The national average price is $889.01.

Prices will vary depending on your driving record, age, type of car, policy limits, and the number of claims filed in your zip code.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $446.72
Collision $309.71
Comprehensive $128.13
Total Cost Per Year $803.64
Price Per Month $66.97
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Illinois' average insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.

Illinois average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Des Plaines, Illinois and save up to 40% on your premium.

Last year, many people used QuoteWizard to compare auto insurance quotes in Des Plaines, IL from multiple companies.

Best Car Insurance Companies in Des Plaines, IL

This is our list of the most common car insurance companies reported by QuoteWizard users in Des Plaines, Illinois, last year.

Top 10 Vehicles

This is our list of the most common car makes and models owned by Des Plaines, IL drivers who requested quotes through QuoteWizard last year.

  1. Honda Accord EX/DX
  2. Honda Civic LX/EX
  3. Nissan Sentra S/SV/SR/SL
  4. Toyota Camry LE/XLE/SE
  5. Nissan Altima 2.5S
  6. Toyota Corolla CE/LE/S
  7. Chevrolet Equinox LT
  8. Lexus ES 350
  9. Ford F150
  10. Dodge Caravan SE
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Des Plaines, IL

Des Plaines, Illinois, has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most an insurance company will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence Des Plaines insurance rates.

Des Plaines drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

Des Plaines, IL offers residents a warm climate, with no real dry season and severe winters. In an average year, the city sees around 187 sunny days and 126 days with some amount of precipitation. It also receives an average of 24 inches of snow annually. That can cause slick roads and dangerous driving conditions.

Road Conditions

According to Tripnet.org, 67 percent of the major roads in Illinois are in poor or mediocre condition. These poorly maintained roads costs drivers $4.4 billion or $540 per motorist in extra vehicle operating costs per year. These costs are a direct result of driving on rough roads that can damage cars and contribute to car accidents.

The Des Plaines Street Maintenance Division of Public Works can take care of any pothole problems or concerns you have. To contact them, call 847-391-5464. If you would rather file your complaint on line, go to SeeClickFix.

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and can flag you as a high-risk driver. This will lead to higher insurance rates.

Traffic Tickets

The Cook County Clerk of the Circuit Courts: Traffic Division website allows residents to pay traffic tickets and gives other important traffic court information.

Drunk Driving Arrests

According to AAIM, Des Plaines police arrested 331 drivers for driving under the influence (DUI) in 2015.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Des Plaines DUI insurance.

Fatal Car Accidents

Des Plaines reported 2,005 car accidents in 2014. Of those, 390 resulted in personal injuries and one resulted in a fatality.

Vehicle Theft Rates

Des Plaines experienced 18 motor vehicle thefts in 2015. That’s a low theft rate of 0.31 per 1,000 residents. This is well below the national average theft rate of 2.16 per 1,000 people.

Save With Car Insurance Discounts

Discounts are one of the best ways to lower your insurance rates. These are some of the many car insurance discounts available to Des Plaines drivers depending on your carrier. Get a quote from your current or multiple insurance companies to find out how much you can save.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 15%
  2. Lower your limits
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  5. Maintain at least a B grade point average in school to qualify for the good student discount
  6. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  7. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  8. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  9. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  10. Shop around and compare affordable Des Plaines car insurance quotes

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