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Illinois Car Insurance & Minimum Coverages

It’s the birthplace of McDonald’s and home to the Windy City. Illinois is an intriguing state, hosting one of America’s biggest cities but also miles upon miles of open prairie. With so much to explore, it’s tempting to just hit the road in the Prairie State.

If you’re looking to make Illinois your home, you’re going to need to legally register your vehicle. In order to do so, Illinois car insurance is required. Read on to learn everything you need to know about insuring a vehicle in the Land of Lincoln.

Illinois Car Insurance Minimum Requirements

Before you receive your Illinois license plates, you must sign your registration form. That form is a promise that your vehicle will remain insured for the duration of the registration.

The minimum insurance requirements for a vehicle in Illinois are as follows:

  • Bodily injury liability: $25,000 per person and $50,000 per accident.
  • Property damage liability: $20,000 per accident.
  • Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident.
  • Uninsured motorist property damage: $15,000 with a $250 deductible.
  • Underinsured motorist coverage: $25,000 per person and $50,000 per accident.

If you choose, you can sign a statement saying that you reject the uninsured motorist property damage coverage and the underinsured motorist coverage.

An interesting point to note about Illinois is that the state randomly “checks” drivers’ coverage. Illinois will electronically check drivers’ insurance status periodically. If you’re found to not have insurance, you’ll be charged a fee of $100, and your registration will be suspended until you show proof of insurance.

What is the Average Cost of Car Insurance in Illinois?

Despite relatively high insurance requirements, Illinois car insurance is around 22% cheaper than the national average. Drivers who opt for full coverage will pay around $1,120 per year for premiums. Minimum coverage will cost around $442 per year.

Remember to shop around with different agents for your auto insurance. You may be eligible for lower rates or discounts based on your credit score, your driving record, and other factors. Conversely, your insurance premiums may be higher than the average if you have had insurance lapses, accidents, or other issues in the past.

Why is Car Insurance So Cheap in Illinois?

Illinois is one of the cheapest states in the country for car insurance. There are several reasons for this. First, the Land of Lincoln is an at-fault state. Only one driver’s insurance company will typically pay out in the event of an accident.

Secondly, despite its larger cities, much of Illinois is rural. Rural areas mean fewer divers on the road and fewer accidents.

Finally, Illinois weather is somewhat predictable. Flooding is almost unheard of in the state, and most weather events won’t cause significant damage to your vehicle.

Lapses in Illinois Car Insurance

We already discussed the electronic insurance checks in Illinois. But if you’re pulled by law enforcement and can’t prove you have insurance, you can still face some serious penalties.

Your license and registration can be suspended, and your vehicle can be impounded. Each of these consequences costs money to get out of. You may be arrested, particularly if this is not your first offense.

Best Auto Insurance in Illinois

Drivers in the state of Illinois were polled to discover the best auto insurance in Illinois. In terms of affordability, coverage, and customer service, the following five insurers ranked highest in the state:

  • Auto-Owners
  • Country Financial
  • Travelers
  • USAA

Of course, you’ll want to shop around a bit before you settle on an insurance policy. Check for the lowest rate for your credit score, driving history, and other circumstances. Then pick the coverage that best suits your lifestyle.

Driving in Illinois

Headed to Illinois and ready to hit the road? Here are some interesting facts about driving in Illinois that you may like to know.

  • It’s illegal to have fuzzy dice or any other obstruction hanging from your rearview mirror.
  • All Chicago residents must display a city sticker on their windshield. You can be fined if you do not.
  • In Evanston, it’s illegal to change your clothes in your car with the curtains drawn. The law doesn’t specify whether you can change with the curtains open.
  • In Decatur, it’s against the law to drive a car with no steering wheel.

Conclusion: Illinois Car Insurance

Outside the Windy City, Illinois has plenty of land to explore. Be sure you’re properly insured and your vehicle is legally registered before you head out to Navy Pier, drive down Route 66, or watch the sunset at Garden of the Gods.