Compare Car Insurance Quotes In The Great State of Illinois

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Compare Car Insurance Quotes in Illinois to Get the Best Rates

Compare Car Insurance Quotes in Illinois to Get the Best Rates

Illinois is officially nicknamed “The Land of Lincoln.” Here at QuoteWizard, we’ve compiled useful insurance information, from industry and government sources that Honest Abe would have been proud of, to help Illinoisans save money on their car insurance.

This page will show you which types of coverage are legally required in Illinois, inform you about important insurance laws, provide you with both information about the cost of driving, and some insights about insurance risk in Illinois, all to help protect you and your family.

Average Illinois Car Insurance Rates

How much is car insurance in Illinois? The average cost of auto insurance in the state of Illinois is $775.24 per year. The national average cost is $866.31.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $434.80
Collision $294.41
Comprehensive $124.89
Total Cost Per Year $775.24
Price Per Month $64.60

Compare Car Insurance Quotes in Illinois

Shopping for car insurance in Illinois can seem like a lot of work. From researching companies to comparing rates, it’s easy to get overwhelmed.

Let QuoteWizard help. Fill out our easy to use (and understand) form and you’ll be well on your way to finding affordable car insurance. How? We’ll put you in touch with top insurance companies so you can compare quotes and get the best rates.

Last year, 94,266 people used QuoteWizard to get an auto insurance quotes comparison in Illinois from top companies and find the cheapest rates.

Illinois State Auto Insurance Laws

Car Insurance Minimum Coverage

If you drive a vehicle registered in Illinois, you must maintain a minimum level of insurance coverage of 25/50/20. This means you must have:

  • $25,000 of coverage for bodily injury liability per person
  • $50,000 of coverage for bodily injury liability per incident
  • $20,000 of coverage for property damage liability per incident

The state of Illinois requires your signature on the Vehicle Renewal Registration Application, indicating a promise to maintain the minimum insurance requirements for the full term of your registration period.

Required Proof of Car Insurance

All drivers in Illinois must be prepared to show proof of car insurance, in the form of a car insurance identification card, to law enforcement upon request.

Failure to show valid proof of insurance is a traffic infraction. Knowingly providing false evidence of insurance coverage is a misdemeanor.

Illinois conducts random checks of registered drivers to find out if they are carrying the required insurance minimums. This check is done randomly in the form of a questionnaire asking the name of your insurance company and policy number. If you don’t have insurance or don’t return the questionnaire, your license plates will be suspended.

Penalties

If you are stopped by law enforcement or get into an accident and cannot prove that you meet the minimum Illinois insurance requirements, you will face the following penalties:

  • Suspension of your vehicle’s license plates
  • A fine of at least $500 for being uninsured
  • A fine of at least at least $1,000 for operating a vehicle with suspended plates
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Financial Responsibility Insurance (SR-22) Requirements

Illinois requires Financial Responsibility Insurance (SR-22) for anyone with safety responsibility suspensions, unsatisfied judgment suspensions, revocations, mandatory insurance supervisions and anyone with 3 or more convictions for failing to maintain the state’s minimum insurance requirements. “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law.

An SR-22 can only be obtained from an insurance company that's both authorized to write SR-22 policies in Illinois and has a power of attorney on file with the state. An SR-22 must be submitted on a Financial Responsibility certificate from the insurer’s home office and will be issued via one of the following forms:

  • Operator’s Certificate - insures you to drive vehicles you do not own
  • Owner’s Certificate - insures your own vehicle or all vehicles owned if specified
  • Operators-Owners Certificate - covers you to drive any vehicle whether owned by you or not

Illinois State law requires that an SR-22 be carried for 3 years for a first offense.

If you wish to regain your driving privileges, but don’t want to obtain an SR-22, you have the option to deposit $55,000 in cash or securities with the Illinois State Treasurer, file a surety bond, or file a real estate bond approved by a court of record.

Top 10 Vehicles in Illinois

These are the 10 most common vehicles owned by Illinois drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Impala LS
  3. Chevrolet Malibu LS
  4. Chevrolet Blazer
  5. Ford Taurus
  6. Chevrolet Silverado
  7. Honda Accord EX/LX
  8. Chevrolet Cavalier
  9. Dodge Caravan
  10. Ford Focus
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Top 10 Car Insurance Companies in Illinois

Last year, these were the 10 most common car insurance companies reported by QuoteWizard users living in the state of Illinois. Out of the 94,266 Illinois drivers that used QuoteWizard to request insurance quotes last year, 11,674 had no car insurance.

  1. Allstate Insurance Co.
  2. Geico
  3. Progressive Casualty
  4. Farmers Insurance
  5. Country Financial
  6. Esurance
  7. Liberty Mutual
  8. 21st Century Insurance
  9. AIG
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State of Illinois Traffic Safety Laws

Distracted Driving Laws

The state of Illinois reports that in 2013, the use of cell phones (talking or texting) was the primary cause of at least 1,400 car accidents.

To address the problem of distracted driving in Illinois, the state legislature has enacted some of the strongest cell phone restrictions in the nation. These cell phone restrictions include:

  • Bus drivers may not use either handheld  or hands-free devices
  • Novice drivers may not use either handheld or hands-free devices
  • All drivers are banned from texting while driving
  • All drivers are banned from using handheld devices while driving
  • Drivers are also banned from all use of cell phones (handheld or hands-free) while driving in school zones or highway construction zones

In an effort to make it easier for law enforcement to deter the illegal use of cell phones by drivers, the laws were designated as primary, meaning troopers and other law enforcement personnel can pull you over and issue a citation even if no other infraction occurred.

Implied Consent Law

Illinois' Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of driving under the influence (DUI) of drugs or alcohol. Refuse the test and you’ll face the following penalties in addition to those for a DUI:

  • First Offense: suspension of driver’s license for 1 year
  • Second Offense within 5 years: suspension of driver’s license for 3 years
  • Third and Subsequent Violations: suspension of driver’s license for 3 years

Illinois law also says that drivers consent to a pre-arrest preliminary breath test. You’re not required to take this test, but if you refuse and law enforcement has some other reason to suspect that you’ve been driving under the influence, you can still be arrested. And then you will be required to consent to testing.

DUI Law and Penalties

If you drive or operate a motor vehicle in the State of Illinois with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • Up to 1 year in jail
  • A fine of up to $2,500
  • Minimum 1-year driver’s license suspension
  • Required installation of an ignition interlock device

The penalties for a second offense DUI conviction are:

  • Up to 1 year in jail
  • A fine of up to $2,500
  • Minimum 5-year driver’s license suspension
  • Required installation of an ignition interlock device

The penalties for a third offense DUI conviction are:

  • Between 3 and 7 years in jail
  • Up to $2,500 fine
  • Minimum 10-year driver’s license suspension
  • Required installation of an ignition interlock device

Child Passenger Protection Act

Illinois’s Child Passenger Protection Act requires that all children younger than 8 years of age use appropriate child safety seats. Children weighing more than 40 pounds may ride in the back seat as long as they are wearing at least a lap belt, if no  shoulder belt is available.

If you’re pulled over by law enforcement and it’s discovered that children are not legally secured, you will be subject to a fine. However, you will be eligible for court supervision if you can prove both the installation of an approved child restraint system, and the completion of a course on the installation and use of that restraint system. Second offenses and subsequent violations will be subject to a $200 fine without the possibility of court supervision.

In 2011, 5,180 drivers in Illinois were cited and convicted of failing to use appropriate child restraint systems.

Graduated Driver’s License Program

Illinois has implemented a 3-tier graduated driver's license program beginning with a Permit Phase and ending with full driver privileges once all conditions are met.

Teens are allowed to apply for an instruction permit when they have reached 15 years of age if:

  • They are enrolled in an approved driver education course
  • A parent or guardian consents

The permit phase must last at least 9 months, but the permit is valid for up to 2 years. During the Permit Phase new drivers are required to practice driving a minimum of 50 hours, 10 of them at night, all while supervised by a parent or someone at least 21 years of age with a valid driver’s license. Teen drivers must also obey the following nighttime driving restrictions:

  • Sunday-Thursday, 10 pm - 6 am
  • Friday-Saturday, 11 pm - 6 am

Young drivers with instruction permits must also obey the following rules:

  • All vehicle occupants must wear seat belts
  • Driver must not be convicted of any driving violation during 9 month Permit Phase
  • No more than one passenger is allowed to ride in the front seat
  • All cell phone use (handheld and hands-free) is prohibited
  • Texting is prohibited

If all prerequisites and conditions have been met, young drivers 16 or 17 years of age may move on to the Initial Licensing Phase. During this phase, new drivers must follow the same nighttime restrictions as drivers in the permit phase and:

  • Driver must not acquire any driving convictions for 6 months prior to turning 18 to move to the Full Licensing Phase
  • All vehicle occupants must wear seat belts
  • For the first 12 months, or until turning 18, teen drivers may not carry more than one other passenger unless the passenger is a sibling, stepsibling, child, or stepchild. After 12 months, teen drivers are allowed to have one passenger ride in the front seat and as many in the back seat as there are seat belts for.
  • All cell phone use (handheld and hands-free)  is prohibited for drivers under 19
  • Texting is prohibited

Young drivers between the ages of 18 and 20 that have satisfied all prerequisites and conditions can move to the Full Licensing Phase which has only the following conditions:

  • Drivers between the ages of 18 and 20 that did not take an approved driver education course must successfully complete a 6-hour adult driver education course
  • All cell phone use (handheld and hands-free)  is prohibited for drivers under 19
  • Texting is prohibited

Senior Drivers in Illinois

The license renewal cycle for drivers in Illinois is every 4 years until their 81st birthday. Drivers between the ages of 81 and 86 are required to renew their licenses every 2 years. Drivers 87 and older must renew their licenses every year. In addition, when Illinoisans reach the age of 75, they must take and pass a driving test to renew their driver's licenses.

Seat Belt Laws

Illinois requires that all passengers 8 years of age and older wear seat belts in both the front and back seats of moving vehicles. Failure to comply will result in a fine of $25 plus court costs.

In 2011, over 84,017 people were cited and convicted of failing to wear seat belts in the State of Illinois.

Vehicles Registered in Another State

When you drive a vehicle in Illinois that’s required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement upon request.

The Cost of Driving in Illinois

Average Illinois Car Insurance Rates

The average cost of car insurance in Illinois in 2014, the most recent year for which data was available, was $775.24 compared to a national average of $866.31. Illinois is ranked the 27th most expensive state, including the District of Columbia, for car insurance.

Fuel Taxes

As of January 2016, the state of Illinois taxes gasoline at 30.18 cents per gallon. Federal fuel taxes add another 18.4 cents per gallon bringing the total tax that Illinoisans pay at the pump to 48.58 cents per gallon.  Illinois taxes diesel fuel at 33.40 cents per gallon and, when the Federal diesel tax of 24.4 cents per gallon is applied, the total tax for diesel fuel in Illinois is 57.80 cents per gallon.

Car Insurance Risk in Illinois

Traffic Fatalities

In 2014, there were 924 traffic fatalities in Illinois, a 6% decrease from the 991 traffic fatalities reported in 2013.

  2010 2011 2012 2013 2014
Total Fatalities 927 918 956 991 924

Vehicle Thefts

Illinois had 17,451 vehicle thefts reported in 2014, a 16.5% decrease compared to 2013 when 20,896 vehicles were reported stolen. In 2014, the vehicle theft rate was 135.5 per 100,000, a decrease of 16.4% from the 2013 rate of 162.1 per 100,000.

The vehicle theft rate in Illinois is lower than the overall US vehicle theft rate, which was 216.2 per 100,000 in 2012.

Top 10 Most Stolen Vehicles in Illinois

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 2000 Dodge Caravan
  2. 1999 Chevrolet Pick-Up (Small Size)M/li>
  3. 2000 Honda Civic
  4. 1997 Honda Accord
  5. 2006 Ford Pick-Up (Full Size)
  6. 2008 Chevrolet Impala
  7. 1996 Toyota Camry
  8. 2012 Chevrolet Malibu
  9. 1999 Jeep Cherokee/Grand Cherokee
  10. 1997 GMC Pick-Up (Full Size)

Uninsured Drivers

In 2012 it was estimated that 13.3% of all drivers on Illinois roads had no car insurance. This number is slightly higher than the national average of 12.6% and ranks Illinois 20th in the nation for uninsured motorists.

Top 10 Illinois Auto Insurance Companies - Market Share

Source: Illinois Department of Insurance 2014 Market Share Report
Rank Market Share Company
1 5.58% Allstate (Fire & Casualty)
2 4.26% Illinois Farmers Insurance Co.
3 4.16% Country (Preferred)
4 4.13% American Family Mutual
5 3.35% Geico
6 2.66% Progressive Northern Ins.
7 2.35% Country Mutual Ins.
8 2.04% Progressive Universal Ins.
9 1.82% American Access Cas

Illinois Department of Insurance

Website:
http://insurance.illinois.gov/
Director:
Anne Dowling
Contact Consumer Affairs:
866-445-5364

File a Consumer Insurance Complaint

Website:
Insurance Complaint Page

Sources:

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