Annoyed by Illinois car insurance shopping? We’re here to fix that pronto! Not only have we compiled all the information you need to know about state minimums, laws, and much more (you’re welcome), but we have agents who will happily walk you through it too. Read about it below to get all the facts or call an expert at 855-462-2213 .
Auto Insurance Requirements in Illinois
The law is the law. And in Illinois, you have to have certain minimums on your auto insurance policy to abide by it. In the great state of Illinois, your auto insurance policy has to hold the following coverage amounts:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage
Uninsured and Underinsured Motorist Insurance
- $25,000 per person
- $50,000 total per accident
Additional Car Insurance Coverage in Illinois
We’ve told you the minimum requirements by law in Illinois, but the bare minimum is rarely a good enough if you get into an accident. We recommend you put more protection on your auto plan by upping the following coverage categories:
Collision Coverage – Smashing into an object with your car is generally going to leave a few marks. This type of coverage can help pay for those damages.
Comprehensive Coverage – Take all that collision coverage provides and tack on coverage against vandalism, fire, weather, and more.
Medical Payments Coverage – Your car may take a beating during an accident, but so can you, your passengers, and the other people involved. This coverage pays for medical bills and even funeral expenses in the awful case that they’re needed.
What Drivers Pay In Illinois
These prices aren’t too shabby. Less expensive than most states, you Illinoisans will be able to get a lot of auto coverage for your buck. Take a look to see how your premiums compares to rates offered by the most affordable car insurance companies in Illinois, based on our research.
Car Insurance For High-Risk Drivers
Have a bunch of tickets, DUIs, and other infractions on your driving record? You’ve probably been punished enough with fines and maybe even jail time. Illinois makes sure insurance companies can’t punish you further by denying you coverage under the Illinois Automobile Insurance Plan (ILAIP). You’re eligible if you:
- Have been turned down for car insurance
- Possess a valid Illinois driver’s license or are eligible to apply for valid Illinois driver’s license
- Don’t have any outstanding premiums owed to an insurance company (in the past 36 months)
- Drive a car that is safe to operate
Violations and Penalties Information
We hope you don’t need this, but in case you can’t prove you’re insured, expect this bad stuff to happen to you:
- Your license plates will be suspended
- To reinstate your plates, you must provide proof of valid insurance and pay a $100 reinstatement fee.
Insurance Companies Can Cancel Your Policies
The first 60 days of your insurance policy are shaky. Illinois car insurance companies are allowed to cancel your policy during that time for practically any reason. Once the 60 days are over, they can only cancel if you:
- Violate of policy terms
- Fail to pay premiums
- Submitted false information to get your policy
Pay your premiums or you’ll get a letter 10 days before your insurance drops you. Abide by the law or you’ll get a cancellation notice 30 days before it expires. Either way, you’ll have to scramble a bit to find another policy and that’s never any fun.
Did You Know?
Vehicles that are more likely to be stolen can increase your auto insurance rates. That is why car alarms need to work overtime to protect Illinois most stolen cars, including*:
- Dodge Caravan
- Honda Civic
- Honda Accord
- Chevrolet Impala
- Jeep Cherokee/Grand Cherokee
- Chevrolet Pickup (full size)
- Nissan Altima
- Chevrolet Malibu
- Toyota Camry
- Nissan Maxima
Drive one of these? Don’t panic. Now you know and can up your insurance in case a thief makes off with your ride. You could consider another model too because high risk factors can make your premium go up and cars that are stolen frequently will definitely make your insurance company think twice about rates.
According to www.nicb.org
Work With Our Expert Agents
Still have questions about insurance rates, Illinois insurance laws, or any other auto insurance questions? You’re in luck! Insurance agents can help you get the best auto insurance policy. Call 855-462-2213 to receive help through the process of purchasing an insurance policy that meets your needs.
Additional Illinois Resources: