Comparing auto insurance quotes from various providers can help you find the cheapest car insurance company in Illinois for you. However, insuring a BMW 330i could mean paying much more than the average cost of car insurance in Illinois. For example, having a speeding ticket will increase your car insurance by 27 percent on average in Illinois, while having a DUI could increase your rate by an average of 86 percent. It helps manage the creation of insurance content that meets the highest quality standards in terms of accuracy and clarity to help Bankrate readers search for complex information on home, auto and life insurance.
Bankrate's insurance editorial team, which includes three licensed insurance agents, also analyzed the data to determine the average cost of car insurance in Illinois in several categories, including several cities and various age groups, genders, credit rating levels, driving records and vehicle types. If you're interested in getting a car insurance quote in Illinois, contact your American Family Insurance agent to discuss what type of protection best fits your needs and what discounts may apply in your region. Illinois residents, especially those who live in more expensive areas such as the Chicago metropolitan area, may want to invest some time and effort to save on car insurance. Bankrate's criteria for identifying the cheapest auto insurance in the state include companies that offer average rates lower than the Illinois average rate for car insurance with minimum and full coverage.
While the minimum car insurance requirements in Illinois are predefined, they are not intended to be a limit on the amount of coverage you can or should get. The table below shows the average increase per driving incident compared to the average annual cost of car insurance in Illinois. If you lease your car or are paying off a loan, your lender or dealer will likely require you to have car insurance with full coverage. However, the amount you pay for car insurance may differ from the average, since your rates are calculated based on factors such as your zip code and driving history.
Comprehensive car insurance expands basic liability insurance by adding coverage for your vehicle and will better protect you financially in the event of an accident than minimum coverage. In exchange for an additional premium, most insurers will extend your collision or full-risk coverage to pay for the rental of the vehicle while yours is being repaired.