Illinois Car Insurance

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Key takeaways...
  • Illinois state requires all drivers to have car insurance and drivers who operate vehicles without auto insurance face both fines and suspension of their vehicle registration tags
  • The state has the ability to randomly ask for a person’s insurance company and policy
  • Comparing car insurance companies should include more categories than just price

Illinois state requires all drivers to have car insurance and drivers who operate vehicles without auto insurance face both fines and suspension of their vehicle registration tags.

It is illegal to drive in the State of Illinois without car insurance.

Every vehicle owner must comply with Illinois mandatory insurance laws which state the following minimum liability insurance coverage:

  • $20,000 – liability coverage for injuries to one person in an accident
  • $40,000 – total liability coverage for accidents involving more than one person
  • $15,000 – property damage insurance coverage

Illinois requires insurance cards are kept in the vehicle and shown to any law enforcement official upon request.

Illinois also has a random enforcement process where the state randomly samples driver data and sends outs questionnaires asking for a vehicle’s insurance company and policy.

Unlike many questionnaires which are simply nothing more than a ploy at branding or trying to upgrade you to a new credit card this questionnaire is pretty serious and really should not be called a questionnaire at all but a law enforcement letter.

 The result of failing to respond to the state’s questionnaire will be suspension of your vehicle license plates!

There are also heavy fines for driving with no insurance in Illinois. In fact, if you are driving with no insurance (not just failing to have proof of insurance such as leaving your ID car home) there is a $500 minimum fine.

Enter your zip code here to get FREE Illinois car insurance quotes online!

Illinois Car Insurance Companies

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Illinois is a key car insurance market and almost all of the well-known car insurance companies provide coverage including State Farm, Farmers Insurance, Nationwide, Geico, Travelers, Allstate, and more.

Because of the extremely competitive Illinois auto insurance market, you can literally compare dozens of car insurance companies to get the best rates but remember that simply comparing premiums is not the way to the best policy.

Anytime you are considering a new car insurance company always make sure to compare:

  • Deductibles
  • Policy Limits
  • Types of Coverage
  • Intangible Factors like Hours of Operation
  • Claims Process
  • Online Tools?
  • Customer Reviews (from people you trust)
  • Personal recommendations

You will most likely have a long relationship with your Illinois car insurance company, so make sure when it comes to submit a claim you have a company who will be there to stand by you.

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Illinois Car Insurance Quotes

Illinois residents probably see lots of billboard, TV, and radio advertising from car insurance companies but when it comes to finding a new car insurance company can you remember all the names?

The internet has become the most popular way to find a new auto insurance company.

Within seconds you can have a list of providers who offer free, personalized quotes online and you can review these quotes from the comfort of your home.

Sometimes companies who advertise cheap car insurance deliver on their promise but more often you are buying really poor coverage. Find a company who provides both affordable and reliable car insurance coverage today.

Enter your Illinois zip code here for FREE car insurance quotes now!

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

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