Illinois Car Insurance (Coverage, Companies, & More)

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Illinois SummaryData
Population39,557,045
Road MilesRoadway Miles: 94,481
Vehicle Miles Driven: 104.9 billion
Driving DeathsSpeeding – 462
Drunk Driving –349
VehiclesRegistered: 10,042,205
Total Stolen: 17,451
Most Popular VehicleHonda CR-V
Average Premiums (Annual)Liability – $446.72
Collision – $309.71
Comprehensive – $128.13
Combined Premiums – $884.56
Percent of Motorists Uninsured13.7%
State Rank: 18th
Cheapest ProviderSafeco

We know that hunting down the right car insurance can be an extremely tedious task. That’s why we’re here to help—we’ve done all the hard work for you and put together this comprehensive guide to get you on your way.

We want you to get out on the roads of beautiful Illinois, so in this guide, we’ll cover all the things you’ll want to know to get the best car insurance.

Ready to take the leap? Use our FREE online tool now! All you need is your zip code to get started!

Table of Contents

Illinois Car Insurance Coverage and Rates

We’ll start with the car insurance coverage you’ll need to legally drive in Illinois, as well as some of the rates you can expect.

– Illinois Minimum Coverage

Most states in the nation require that you have something known as minimum liability coverage. This coverage helps to ensure that if you’re ever in an accident, you have the coverage to help pay for it. This especially comes in handy considering that Illinois is considered an “at-fault” accident state.

An “at-fault” state is a state in which the person responsible for an accident is the one held responsible for any personal injuries or property damages incurred during the accident.

According to the Insurance Information Institute (III), Illinois has the following minimum liability coverage requirements:

Insurance RequiredMinimum Limits: 25/50/20
Bodily Injury Liability Coverage$25,000 per one person
$50,000 per accident
Property Damage Liability Coverage$20,000 minimum

Let’s break that down a little further to help you understand these limits:

  • $20,000 – for the payment of any property damaged in an accident that you caused
  • $25,000 – for the payment of an injury/death to one person in an accident that you caused
  • $50,000 – for the payment of an injury/death to multiple people in an accident that you caused

In addition to this, Illinois has made Uninsured Motorist Coverage (UIM) automatic for every policy, meaning every policy sold to a customer automatically comes with this coverage.

These values may seem like a good chunk of change, but in a severe enough accident, these funds can quickly run dry. That’s why getting above the minimum coverage can be extremely important, and definitely worth the investment.

– Forms of Financial Responsibility

Now, with this insurance requirement, you’ll want to have some kind of proof of insurance; this is what you’ll provide if you’re ever pulled over by a police officer or are in an accident.

So what form of financial responsibility will be valid in Illinois?

  • Insurance ID Card
  • Copy of your insurance policy

Illinois passed a law in 2013 stating it is acceptable for drivers to provide proof of coverage electronically. If you have your provider’s app on your phone, you can use that as a form of financial responsibility.

Think you might get lucky and not get in an accident or get pulled over without needing to provide proof? Think again! In Illinois, drivers are selected at random via a letter in the mail and must verify their insurance coverage within 30 days of receiving the letter.

Don’t risk it! Make sure you have an updated form of financial responsibility on you at all times.

– Premiums as a Percentage of Income

The premium that you pay can be affected by something known as per capita disposable income. What exactly does this mean?

Disposable personal income (DPI) is the amount of money you are left with after taxes.

The average disposable personal income of Illinois citizens is $42,256, which is good, considering that the national average is $40,859. Illinois citizens are making more than the average American citizen.

Full Coverage
2014
Disposable
Income 2014
Insurance as %
of Income 2014
Full Coverage
2013
Disposable
Income 2013
Insurance as %
of Income 2013
Full Coverage
2012
Disposable
Income 2012
Insurance as %
of Income 2012
$854.10$42,256.002.02%$819.27$40,619.002.02%$806.21$40,143.002.01%

You can see from the table above that 2.02 percent of your average disposable income goes to your car insurance coverage. Making sure that you set that money aside each month to pay for your car insurance is very important.

Use the calculator below to find out what your average premium would be based on your income.

CalculatorPro

– Core Coverage

Coverage Type:Annual Costs in 2015:
Liability$446.72
Collision$309.71
Comprehensive$128.13
Combined$884.56

– Additional Liability

On top of the minimum liability coverage, two other liability coverage types are very important:  medical payments (MedPay) and uninsured/underinsured motorist coverage.

Medical payment coverage helps to pay for any of your medical payments should you ever find yourself in a bad accident.

Uninsured/underinsured motorist coverage helps you if you’re ever in a car accident with someone who doesn’t have car insurance. Which, luckily for Illinois drivers, is a coverage type that comes automatically with your policy.

Considering that, according to the Insurance Information Institute (III), 13.7 percent of Illinois drivers are uninsured (ranking it the 18th worst in the nation), uninsured/underinsured motorist coverage can come in handy.

Loss Ratio201220132014
Medical Payments (Med Pay)77.23%77.03%75.51%
Uninsured/Underinsured Motorist
(13.7% and ranked 18th in the nation)
66.57%62.11%62.98%

In the table above, we have given the loss ratios for each of these coverage types. What exactly is a loss ratio?

A loss ratio is the amount of money you receive from a claim as compared to the amount of money that you pay for your insurance premiums. So if you were to receive $90 from claims but were to pay out $100 in premiums, the loss ratio would be 90 percent.

When it comes to loss ratios, think of it in terms of the story of Goldilocks: you want something not too high (over 100 percent), not too low, but just right.

If a loss ratio is too high, it means the company is paying out too much in insurance premiums and is at risk of going bankrupt. A loss ratio that is too low means that a company isn’t paying out enough to their customers.

So as you can see from the table above, both MedPay and uninsured/underinsured motorist coverage have relatively good loss ratios, though the uninsured/underinsured motorist coverage loss ratios are a little lower than you would want. This could be a good thing for customers in the long run, however, as companies will have to lower their insurance premiums to bring their loss ratios up.

– Add-Ons, Endorsements, and Riders

Getting the best coverage for the most affordable price is always a top priority when shopping for insurance. Did you know that you could be missing out on several extremely useful, and cheap, coverage types because of it?

Check out the list below to see what is available to you in Illinois:

– Demographic Rates

There is an old myth that men tend to pay more than women for their car insurance. We went through the demographic rates in Illinois to see if that were true.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$3,305.50$3,320.65$3,452.26$3,452.26$8,547.98$11,112.80$3,973.25$4,293.46
American Family Mutual$2,369.94$2,369.94$2,168.97$2,168.97$6,676.10$9,263.85$2,369.94$3,056.23
Illinois Farmers Ins Co$2,456.68$2,457.73$2,179.75$2,305.14$10,514.80$10,961.50$2,803.50$2,931.88
Geico Cas$1,691.91$1,711.59$1,614.70$1,892.49$5,407.10$5,673.56$2,074.22$2,048.08
Safeco Ins Co of IL$1,401.51$1,512.93$1,165.71$1,303.12$4,621.83$5,140.83$1,464.07$1,543.97
Nationwide Mutual Fire$1,926.46$1,960.52$1,713.84$1,816.17$5,285.82$6,786.79$2,242.62$2,429.53
Progressive Northern$2,055.34$1,946.27$1,694.99$1,773.48$7,336.88$8,239.12$2,450.28$2,647.61
State Farm Mutual Auto$1,454.19$1,454.19$1,299.88$1,299.88$4,229.18$5,361.67$1,643.58$1,887.70
Travelers Standard Fire Ins Co$1,570.87$1,657.44$1,431.81$1,526.42$4,533.18$5,685.41$1,665.85$1,754.69
USAA$1,647.73$1,676.66$1,532.32$1,509.06$5,332.28$5,880.44$2,170.35$2,385.18

As you can see in the table above, married women seem to pay about the same as their spouses do. Younger single males, however, do seem to pay relatively higher insurance rates than their female counterparts.

Best Illinois Car Insurance Companies

We’ll cover topics such as these companies’ financial ratings, which companies have the most complaints, what rates you can expect from some of the largest providers in the state, and more.

– The Largest Companies’ Financial Rating

A provider’s financial rating can tell you a lot about them. A good score can mean the provider is more than likely to pay the appropriate amount to its customers in claims. A poor score can mean that the company is at risk of going bankrupt and losing its customers.

In the table below, we’ve gathered all of the financial ratings for the largest companies in Illinois.

CompanyAM Best Rating
State FarmA++
Allstate InsuranceA+
Country Insurance & Financial ServiceA+
GeicoA++
ProgressiveA+
FarmersA
American Family InsuranceA
Liberty MutualA
USAAA++
TravelersA++

– Companies with Best Ratings

J.D. Power conducted a study to see the overall customer satisfaction ranking for the various car insurance providers in a region. Illinois falls in the North Central region, so below we’ve provided the study rankings for your convenience.

JD Power North Central Region Auto Insurance Study Scores

– Companies with Most Complaints in Illinois

While good customer satisfaction is an excellent indicator of a customer’s experience with a company, so is a company’s complaint index.

CompanyComplaint Ratio
Country Financial0.06
Hanover0.1
SafeCo0.12
State Farm0.13
Farmers0.13
Standard Fire Insurance0.14
Allstate0.18
MetLife0.18
USAA0.19
Progressive0.21
Erie0.21
American Family0.22
Geico0.23
Standard Mutual0.24
Hartford0.26
AAA0.29
Esurance0.29
Liberty Mutual0.32
Allied0.34
Auto Owners0.35
Nationwide0.4
Bristol West Insurance Company0.49
Safe Auto Insurance Company0.52
Ameriprise0.58
Mendota Insurance0.68
Elephant Insurance Company1.17
First Acceptance Insurance Company Inc.1.46
Safeway Insurance Company1.48
American Access Casualty Company1.6
Fred Loya Insurance1.63
First Chicago Insurance Company1.75
Unique Insurance Company3.18
Founders Insurance Company3.28
Falcon Insurance Company3.36
Stonegate Insurance Company3.76
American Freedom Insurance Company4.24
American Alliance Casualty Company4.3
Lighthouse Casualty Company4.95
Direct Auto Insurance Company5.85
United Equitable Insurance Company6.34

Take a look at the table above. If a complaint index is one or above, it is considered worse than the average insurer in Illinois.

– Illinois Car Insurance Rates by Company

Every company varies in how much they will charge for their coverage. We’ve done the hard part for you and have gathered up the insurance rates by company for the largest insurance providers in the state.

CompanyAverageCompared to State AveragePercent +/- State Average
Allstate F&C$5,182.27$1,911.32+36.88%
American Family Mutual$3,805.49$534.54+14.05%
Geico Cas$2,764.21-$506.75-18.33%
Illinois Farmers Ins Co$4,576.37$1,305.42+28.53%
Nationwide Mutual Fire$3,020.22-$250.74-8.30%
Progressive Northern$3,517.99$247.04+7.02%
Safeco Ins Co of IL$2,269.25-$1,001.71-44.14%
State Farm Mutual Auto$2,328.78-$942.17-40.46%
Travelers Standard Fire Ins Co$2,478.21-$792.75-31.99%
USAA$2,766.75-$504.20-18.22%

– Commute Rates by Company

Did you know that how far you drive each day can affect what some companies will charge you for your policy? The further you drive, the higher the rate tends to be.

Company10 miles commute or 6,000 annual mileage25 miles commute or 12,000 annual mileage
Allstate$5,182.27$5,182.27
American Family$3,756.53$4,576.37
Farmers$4,576.37$3,854.46
Geico$2,712.74$3,517.99
Liberty Mutual$2,269.25$3,020.22
Nationwide$3,020.22$2,844.44
Progressive$3,517.99$2,815.67
State Farm$2,270.17$2,575.47
Travelers$2,380.94$2,387.40
USAA$2,689.07$2,269.25

You can see in the table above that while some companies charge the same rate no matter what your commute distance is, others charge more.

– Coverage Level Rates by Company

If you’re trying to save some extra cash while getting your insurance coverage, but still wish to have optimal coverage, your best bet is to start comparing coverage level rates by company.

CompanyLow CoverageMedium CoverageHigh Coverage
Allstate$5,020.65$5,177.14$5,349.03
American Family$3,673.16$3,944.42$3,798.90
Farmers$4,353.36$4,468.30$4,907.46
Geico$2,529.05$2,756.71$3,006.86
Liberty Mutual$2,140.41$2,264.25$2,403.08
Nationwide$3,000.83$3,045.06$3,014.77
Progressive$3,232.62$3,504.03$3,817.33
State Farm$2,200.64$2,332.30$2,453.41
Travelers$2,323.26$2,475.20$2,636.16
USAA$2,582.81$2,764.19$2,953.26

If you were to compare Liberty Mutual and Nationwide from the data above, you can see that a low-coverage plan with Nationwide costs $3,000.83, while a high-coverage plan with Liberty Mutual only costs $2,403.08.

This means you’d be spending more for a lower coverage level. Make sure to shop around to get the best value.

– Credit History Rates by Company

The better your credit history, the better your rates tend to be. Just like you want an insurance provider to have good financial health in case you ever need to file a claim, companies want to make sure that you’re able to pay for the policy they are providing you.

CompanyPoor Credit RateFair Credit RateGood Credit Rate
Allstate$6,613.50$4,765.11$4,168.20
American Family$5,064.08$3,442.45$2,909.95
Farmers$5,201.91$4,369.76$4,157.45
Geico$4,439.22$2,166.11$1,687.28
Liberty Mutual$3,209.71$2,002.97$1,595.06
Nationwide$3,606.83$2,908.56$2,545.26
Progressive$4,013.61$3,400.36$3,140.02
State Farm$3,384.91$2,027.96$1,573.47
Travelers$3,024.35$2,433.13$1,977.14
USAA$3,684.79$2,530.45$2,085.02

– Driving Record Rates by Company

Your driving record also can play an effect on your car insurance rate. Just like with your credit history, the better your driving record is, the better your rates will be.

CompanyClean RecordOne Speeding ViolationOne AccidentOne DUI
Allstate$3,712.50$4,869.92$6,295.82$5,850.85
American Family$2,797.36$3,173.51$3,971.42$5,279.69
Farmers$3,865.35$4,601.59$4,981.19$4,857.36
Geico$1,980.04$2,438.42$2,787.85$3,850.51
Liberty Mutual$1,891.37$2,146.09$2,681.59$2,357.92
Nationwide$2,432.56$2,794.56$3,149.89$3,703.87
Progressive$2,900.83$3,665.72$4,293.62$3,211.80
State Farm$2,128.05$2,328.78$2,529.52$2,328.78
Travelers$1,971.92$2,473.62$2,583.81$2,883.48
USAA$1,971.53$2,378.06$2,834.82$3,882.60

– Largest Car Insurance Companies in Illinois

CompanyDirect Premiums WrittenLoss RatioMarket Share
Allstate Insurance$854,95951.65%11.52%
American Family Insurance$324,58868.65%4.37%
Country Insurance & Financial Service$494,30063.70%6.66%
Farmers$326,15063.45%4.39%
Geico$468,40274.41%6.31%
Liberty Mutual$216,61762.03%2.92%
Progressive$428,17258.57%5.77%
State Farm$2,365,80167.70%31.87%
Travelers$119,79863.14%1.61%
USAA$175,85976.55%2.37%

– Number of Insurers

In every state, there are two distinct types of insurance providers that you will encounter: foreign and domestic. What exactly is the difference between the two?

  • Domestic Provider – a provider is who is only located in one state and only provides coverage for that state (think of that little local place)
  • Foreign Provider – a provider who is located in many states and provides coverage for many states (think of the larger insurance providers such as Allstate, Progressive, Geico, etc.)

So what can you expect in Illinois?

Property & Casualty InsuranceNumber
Domestic191
Foreign860
Total1,051

In total, you have 1,051 providers to choose from in Illinois. This can seem extremely overwhelming, but that’s what we’re here to help you with.

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Illinois State Laws

To keep your driving record squeaky clean, we’ll now discuss some of the state laws in Illinois. The last thing you want is to get a ticket for a law you didn’t even know existed.

– Car Insurance Laws

Car insurance laws vary from state to state, so let’s look at some of the Illinois-specific car insurance laws.

– How State Laws for Insurance are Determined

According to the National Association of Insurance Commissioners (NAIC), Illinois state laws are determined in the following way:

“Regarding rate filings, no filing needed for individual risks that cannot be rated in the normal course of business due to special or unusual characteristics. A company must maintain documentary information regarding rates.”

– High-Risk Insurance

Drivers who are considered high-risk typically have pretty poor driving records, with a history of accidents and traffic violations. With a bad enough record, you might find yourself having a lot of difficulties finding a car insurance provider who is willing to give you coverage.

This is a big problem, as you are legally required to have at least the minimum liability coverage, so what are you to do? Luckily, there is an option.

It’s a program known as the Illinois Automobile Insurance Plan (ILAIP). This program assigns you to a car insurance provider who then has to give you coverage. To qualify, you will have to provide proof that you were unsuccessful in obtaining insurance within 60 days of applying.

But there is a catch, as the provider is allowed to charge you whatever premiums they deem responsible to provide you with this coverage.

– Low-Cost Insurance

While there are currently no low-cost insurance programs in Illinois, this shouldn’t discourage you, as there are other ways of reducing insurance costs.

Aside from keeping a clean driving record and good credit history, you can always see if your insurance provider has car insurance discounts that you can qualify for. We’ve gone through and listed some of the most common discounts that you can apply for below.

  • Good Driver
  • Homeowner
  • Anti-Theft / Anti-Lock Systems
  • Good Student
  • Accident-Free
  • Company/School (the company you work for / the school you attend sometimes offers discounts)

– Windshield Coverage

Some states have laws unique to windshields and the coverage for them, though Illinois currently does not.

Should you need to replace or repair your windshield, you can use OEM parts but may have to pay the difference for them. If aftermarket parts are used to fix your windshield, your insurance provider is required to inform you, in writing, and it must appear on the estimate for repairs.

– Automobile Insurance Fraud in Illinois

Insurance fraud is a big deal across the nation, as it is a criminal offense. According to III, insurance fraud accounts for approximately $30 billion in losses each year.

You can commit insurance fraud in the following ways in Illinois:

  • Knowingly obtain, attempt to obtain, or cause to be obtained
  • By deception, control over the property of an insurance company or self-insured entity
  • By the making of a false claim
  • By causing a false claim to be made on any policy issued by an insurance company
  • By intending to deprive an insurance company or self-insured entity permanently of the use and benefit of that property

If you are caught committing insurance fraud, you could be facing some of the following penalties:

Insurance Fraud Crime ClassificationCrime Classification DescriptionFineJail Time
Class A Misdemeanorif the value of the property obtained is $300 or less$2,500up to a year in jail
Class 3 Felonyif the value of the property obtained is more than $300 but less than $10,000N/A2-5 years in prison
Class 2 Felonyif the value of the property obtained is more than $10,000 but less than $100,000N/A3-7 years in prison
Class 1 Felonyif the value of the property obtained is more than $100,000N/A4-15 years in prison

So simply put, insurance fraud just isn’t worth the hassle.

– Statute of Limitations

Let’s say you’ve been in an accident and you need to file a claim, or, if it’s a bad enough accident, you want to take the other driver to court for the injuries/property damage incurred during an accident. How long do you have to do so?

Well, there’s something known as the statute of limitations that limits the amount of time you have to do this.

In Illinois, you have two years to file for personal injuries, and five years to file for property damages.

Make sure you remember these limits, because your pleas to file a claim will fall on deaf ears if you attempt to do so after the statute is up.

– Vehicle Licensing Laws

As there are laws with car insurance, there are also laws regarding vehicle licensing.

Keep reading to find out more.

– Penalties for Driving Without Insurance

If you are caught without car insurance, you can face some hefty penalties.

  • First-Time Offense:
    • Fine: $500 minimum
    • License plate suspension until $100 reinstatement fee is paid and you’ve shown proof of insurance
  • Second-Time Offense:
    • Fine: $1,000 minimum
    • License plate suspension for four months
    • $100 reinstatement fee

Safe to say that if you want to avoid paying these fines and having your license plate suspended, it’s better just to make sure you have your insurance.

– Teen Driver Laws

If you’re a teen ready to jump behind the wheel, just know there are a few rules and restrictions you’ll have to adhere to in order to obtain your driver’s license.

In addition, Illinois teens are required to complete the Graduated Driver Licensing (GDL) program.

The program is designed to help young drivers get more comfortable behind the wheel, and it has been made a requirement to help cut down on teen-related driving deaths.

Young Driver Licensing LawsAge RestrictionsPassenger RestrictionsTime Restrictions
Learner's Permit:15 yearsfirst 12 months—no more than 1 passenger younger than 20 (family member exception)starts 10 p.m. Sun.-Thur., 11 p.m. Fri.-Sat., ends 6 a.m.
Provisional License15 years; 9 months holding period; 50 hours supervised driving time, 10 of which must be at nightRestrictions in effect for 12 months or until age 18 (min. age: 17)Restrictions in effect until age 18 (min. age: 18)
Full License16 yearsNone.None.

– License Renewal Procedures

Renewal ProceduresGeneral PopulationOlder Population
License renewal cycle4 years2 years for people 81 - 86; 1 year for people 87 and older
Mail or online renewal permittedboth, every other renewalnot permitted 75 and older
Proof of adequate vision required at renewalwhen renewing in person75 and older, every renewal

– New Residents

If you are a new resident to the state of Illinois, you’re going to want to make sure to put these items onto your to-do list:

  • Deal with vehicle licensing matters at the Office of the Illinois Secretary of State
  • Turn over your other state license(s), provide ID documentation, and have your photo taken to get your new Illinois driver’s license. To do this, you will need to visit a Secretary of State location
    • You will also need to pass the vision screening, written and/or driving exams, and pay the fees
  • Receive a 90-day paper driver’s license, but you can expect your full license in the mail within 15 business days
  • If you are a driver under the age of 21, you will be required to complete a six-hour adult driver education course before you will be able to get a driver’s license

– Rules of the Road

In order to get cruising, you’ll want to know the rules of the road.

– Fault vs. No-Fault

As we mentioned previously, Illinois is an “at-fault” state.

This means that if you are at fault for an accident, you are the one who is held liable for the costs of that accident. If you don’t have proper coverage, that could be a lot of money out of your pocket.

– Keep Right and Move Over Laws

Keep Right and Move Over Laws are very easy to understand, so it’ll be easy to avoid any penalties for breaking these laws.

In Illinois, you should only use the left lane if you are passing another vehicle or if you are turning left. There are five exceptions to this, otherwise, make sure you keep in the right lane.

When it comes to moving over, if you see a vehicle with flashing lights, make sure you move over.

Speed Limits

Speed limits are posted for a reason: to keep all drivers on the road safe. Make sure if you’re in Illinois that you follow the known speed limits below:

  • Urban Interstates: 55 mph
  • Rural Interstates: 70 mph
  • Limited Access Roads: 65 mph
  • All Other Roads: 55 mph

– Seatbelt and Car Seat Laws

There are specific laws regarding seat belts and car seats put in place to keep everyone on the road safe.

Seatbelt laws in Illinois require that everyone eight years and older are required to wear a seatbelt in the front seat of the vehicle. If you are pulled over for violating this law, primary enforcement will give you a fine, starting at $25.

For car seats, children two years and younger must be in rear-facing child seats. The exception to this is if the child is 40 pounds or more or is 40 inches or taller (though new laws have been coming out to further elaborate on this).

Effective June 1, 2019, children seven years and younger will be required to be in a child safety seat.

– Ridesharing

Companies like Uber and Lyft are popular and are only increasing in popularity because of their convenience.

If you are considering working for such a company, you’ll want to make sure you have ridesharing insurance coverage, which in Illinois can be provided with any of the following companies:

  • Allstate
  • Erie
  • Farmers
  • Geico
  • Mercury
  • Metlife
  • Metromile
  • Safeco
  • USAA

– Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS), automation on the road can be defined as:

“Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. In driving, automation involves using radar, camera and other sensors to gather information about a vehicle’s surroundings, which is then used by computer programs to perform parts or all of the driving task on a sustained basis.”

In Illinois, the use of an automated vehicle is currently being tested. So while you may not see too many self-driving vehicles just yet, you might in the future.

– Safety Laws

To keep you and other drivers on the road safe, there are a few safety laws that you’ll want to familiarize yourself with.

– DUI Laws

Drinking and driving is a major problem in every state across the nation. Because of this, many states have put down some pretty hefty penalties should you ever be caught drinking and driving.

The table below displays the laws and penalties in Illinois:

DUI OffensesDUI Details
BAC Limit0.08
HIGH BAC Limit0.16
Criminal Status by Offense1st-2nd class A misdemeanor, 3rd-4th class 2 felony, 5th class 1 felony, 6th+ class X felony
Formal Name for OffenseDriving Under the Influence (DUI)
Look Back Period/Washout Period10 years
1st Offense-ALS or Revocation1 year
1st Offense Imprisonmentno minimum, but up to 1 year
1st Offense-Fine$500-$2,500
1st Offense-Otherbefore driving privileges restored, must complete substance evaluation and treatment program +high-risk auo insurance for 3 years.
2nd Offense-DL Revocation5 year min for 2nd conviction in 20 years
2nd Offense-Imprisonmentmandatory 5 days up to 1 year OR 240 hours community service
2nd Offense-Fine$1,250 to $2500
3rd Offense-DL Revocationmin 10 years +supsension of vehicle registration
3rd Offense-Imprisonment90 days minimum. Possible 3-7 years
3rd Offense-Fine$2,500 up to $25,000
4th Offense-DL Revocationfor life +suspension of vehicle registration
4th Offense-Imprisonmentpossible 4-15 years
4th Offense-Fineup to $25,000
5th Offenseimprisonment of 6-30 years with fines up to $25,000
6th OffenseSame as fifth
Mandatory Interlockall offenders

– Marijuana-Impaired Driving Laws

A lot of states across the nation have been legalizing marijuana use, calling into question what kinds of vehicle-related laws should be implemented to combat it.

There are currently restrictions on blood toxicity levels when it comes to marijuana, meaning that your blood toxicity levels can be no more than five nanograms of THC per se, or you could find yourself in some trouble.

– Distracted Driving Laws

Don’t get caught driving while distracted in Illinois; this is enforced through primary enforcement, meaning if a cop even sees you using a handheld device, you’ll get in trouble.

Illinois has an all-driver ban on any handheld device. Even blue-tooth conversations are off-limits for those under 19 years of age.

Illinois Can’t-Miss Facts

Now down to the last section. We’ll cover some of the facts and statistics of driving in Illinois that you simply can’t miss.

– Vehicle Theft in Illinois

One of the most unfortunate things to happen to a driver is for their vehicle to be stolen; we thought we’d arm you with the information you’ll need to know about vehicle theft in Illinois.

The table below shows the top vehicles stolen in the state with cities with over 25 vehicles stolen.

Make/ModelThefts
Dodge Caravan1,054
Chevrolet Impala579
Honda Civic566
Honda Accord481
Chevrolet Malibu442
Chevrolet Pickup (Full Size)418
Ford Pickup (Full Size)392
Toyota Camry383
Jeep Cherokee/Grand Cherokee374
Nissan Altima326

A 2017 crime report done by the FBI found the vehicle theft statistics for each city in the state of Illinois. Check out the table below to find out where your city falls:

CITY VEHICLE THEFTPOPULATIONMOTOR
Rockford146,770450
Peoria114,157334
Springfield115,568313
Aurora201,599176
Calumet City36,663172
Joliet148,342165
Cicero82,779161
East St. Louis26,927144
Champaign87,543123
Chicago Heights29,967121
Berwyn55,594120
Oak Park51,753108
Rock Island38,079108
Lansing28,03995
Granite City28,75594
Maywood23,69793
Decatur72,15392
South Holland21,78287
Bloomington78,20377
Belleville41,51174
Blue Island23,34874
Elgin112,76774
Forest Park13,95072
Danville31,36871
Bolingbrook74,69270
Alton26,69366
Hazel Crest13,87166
Evanston74,94763
Waukegan88,01759
Skokie64,16755
Kankakee26,26551
Alsip19,13749
Riverdale13,37149
Schaumburg74,47149
Naperville147,93447
Moline42,04246
Cahokia14,10543
Melrose Park25,19543
Centreville4,98842
Quincy40,50642
Park Forest21,75041
Tinley Park56,82341
Zion23,96941
Richton Park13,54240
Herrin13,02039
Sauk Village10,41839
Summit11,35839
Country Club Hills16,65138
Elk Grove Village32,89438
De Kalb43,04337
Matteson19,10737
East Moline21,10636
Centralia12,49634
Des Plaines58,08932
Sterling14,82331
Hoffman Estates51,70430
Midlothian14,67829
Palatine68,79229
Addison36,88327
Arlington Heights75,58627
Carbondale26,12727
Fairview Heights16,61827
Urbana42,09127
Glendale Heights34,12826
Gurnee30,90226
Highland Park29,61826
Oak Forest27,76126
Woodridge33,55326
Romeoville39,71025

– Dangers on the Road in Illinois

We’ll now give you some of the road danger statistics in Illinois, according to the National Highway Traffic Safety Administration (NHTSA).

– Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal450170231305886
Rain3116305082
Snow/Sleet4071012
Other8452019
Unknown013116
TOTAL4931912763961,005

– Traffic Fatalities

TypeNumber of Fatalities
Traffic Fatalities1,097
Passenger Vehicle Occupant Fatalities (All Seat Positions)720
Motorcyclist Fatalities162
Drivers Involved in Fatal Crashes1,570
Pedestrian Fatalities145
Bicyclist and other Cyclist Fatalities26

– Fatalities by Person Type

Person TypeNumber
Occupants (Enclosed Vehicles)756
Motorcyclists162
Nonoccupants179

– Fatalities by Crash Type

Crash TypeNumber
Single Vehicle579
Involving a Large Truck149
Involving Speeding462
Involving a Rollover235
Involving a Roadway Departure535
Involving an Intersection (or Intersection Related)340

– 5-Year Trend For The Top 10 Counties

County2013 Fatalities2014 Fatalities2015 Fatalities2016 Fatalities2017 Fatalities
Cook County250235239268287
Will County4861514559
Lake County3431365047
Madison County2833332145
Dupage County3024363640
St. Clair County4531394035
Mchenry County1719182633
Kane County2921293931
Winnebago County3522293923
Kankakee County141492318
Total: Top Ten Counties538501530596618
Total: All Other Counties453423468482479

– Fatalities Involving Speeding by County

County Name Speeding Fatalities 2013Speeding Fatalities 2014Speeding Fatalities 2015Speeding Fatalities 2016Speeding Fatalities 2017
Cook County11910388111143
Will County1531232234
Lake County1412201520
Kane County137121618
Madison County91215518
Dupage County1212141617
St. Clair County208141313
Kankakee County7421011
Vermilion County525711
McHenry County4811139

– Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County

County Name DUI Fatalities 2013DUI Fatalities 2014DUI Fatalities 2015DUI Fatalities 2016DUI Fatalities 2017
Cook County97856681109
Will County1712201521
Lake County710161618
St. Clair County1914111715
Madison County81410414
McHenry County666812
Kankakee County43398
Dupage County76887
Kane County978137
La Salle County47876

– Teen Drinking and Driving

The worst part of the statistics above is that they do include teen drivers, though some good news for Illinois is that arrests for teen-related drinking and driving arrests are one of the lowest in the nation.

Illinois is ranked as the 49th state in the nation for teen DUI related arrests.

This is further solidified by statistics from Responsibility, who show the following statistics for Illinois teens:

Teens and Drunk DrivingLaws
Alcohol-Impaired Driving Fatalities Per 100K Population0.7
Higher/Lower Than National Average (1.2)lower (only 9 other states are lower)
DUI Arrest (Under 18 years old)7
DUI Arrests (Under 18 years old) Total Per Million People2.39

– EMS Response Time

Type of Crash Time of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Rural Fatal Crashes2.119.755357
Urban Fatal Crashes81N/AN/A

– Transportation

In this final section of this guide, we’ll show you the statistics for the various aspects of transportation in the great state of Illinois.

– Car Ownership

According to Data USA, Illinois citizens own an average of two vehicles per household.

– Commute Time

The average national commute time is 25.5 minutes. Illinois, however, has an average commute time of 27.7 minutes, meaning Illinois drivers tend to spend more time in traffic than most drivers in the nation.

– Commuter Transportation

Statistically, according to Data USA, most Illinois drivers prefer to drive alone, at a whopping 73 percent.

– Top City for Traffic Congestion

I’m sure it will come as no surprise to native Illinois citizens, but Chicago has quite a reputation for traffic. So much so that it has made it onto three separate traffic congestion lists.

Chicago was listed on INRIX Scorecard as the 23rd most congested city in the world:

URBAN AREA2018 IMPACT RANK (2017)HOURS LOST IN CONGESTIONYEAR OVER YEAR CHANGECOST OF CONGESTION (PER DRIVER)INNER CITY TRAVEL TIME (MINUTES)INNER CITY LAST MILE SPEED (MPH)
Chicago, IL23 (24)138 (64)4%$1,920512

TomTom ranked it with the following data:

TomTom Traffic Index for Chicago, ILDetails
Worldwide Ranking122
Congestion Level
28%
Morning Extra Travel Time
+13 min
per 30 min trip
in the morning
Evening Extra Travel Time+17 min
per 30 min trip
in the evening
Morning Peak42%
Evening Peak
58%
Highways29%
Non-highways
28%

Numbeo had the following statistics for Chicago congestion:

Numbeo Traffic Index for Chicago, ILDetails
National Ranking13
Traffic Index
183.50
Time Index
40.99 minutes
Inefficiency Index
193.84

That’s it. You’ve made it to the end of this comprehensive guide. We hope that we were able to arm you with the information you’ll need to make the best decision for your car insurance needs.

Think you’re ready to start comparing today? Don’t forget to use our FREE online tool to get started.

References:
  1. https://www.nolo.com/legal-encyclopedia/illinois-car-insurance-requirements.html
  2. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  3. https://herald-review.com/news/state-and-regional/illinois-now-allows-online-proof-of-auto-insurance/article_084497ee-0c78-11e3-b97b-001a4bcf887a.html
  4. http://www.calculatorpro.com/calculator/insurance-cost-calculator/
  5. https://www.jdpower.com/business/press-releases/2019-us-auto-insurance-study
  6. https://www.aipso.com/Plan-Sites/Illinois
  7. http://www.carwindshields.info/states
  8. https://statelaws.findlaw.com/illinois-law/illinois-insurance-fraud-laws.html
  9. https://www.iii.org/article/background-on-insurance-fraud
  10. https://www.nolo.com/legal-encyclopedia/illinois-car-accident-laws.html
  11. http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=073500050HArt%2E+XIII+Pt%2E+2&ActID=2017&ChapterID=56&SeqStart=102300000&SeqEnd=105700000
  12. https://www.cyberdriveillinois.com/departments/drivers/teen_driver_safety/gdl.html
  13. https://www.cyberdriveillinois.com/departments/drivers/home.html
  14. https://www.ilsos.gov/facilityfinder/facility
  15. http://www.cyberdriveillinois.com/publications/pdf_publications/dsd_a132.pdf
  16. http://www.ilga.gov/legislation/101/SB/10100SB1523.htm
  17. https://www.iihs.org/topics/advanced-driver-assistance/autonomous-vehicle-laws
  18. https://www.responsibility.org/alcohol-statistics/state-map/state/illinois/issue/marijuana-drug-impaired-driving-laws/
  19. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/illinois.xls
  20. https://cdan.nhtsa.gov/STSI.htm#
  21. https://www.responsibility.org/wp-content/uploads/2018/02/2016-Under-21-Alcohol-Impaired-Driving-Fatalities-Per-100000-Population-by-State.pdf
  22. https://datausa.io/profile/geo/illinois/#category_transportation
  23. http://inrix.com/scorecard/
  24. https://www.tomtom.com/en_gb/traffic-index/chicago-traffic#statistics
  25. https://www.numbeo.com/traffic/region_rankings.jsp?title=2019&region=021

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