Car Insurance Done the SMARTWAY™

You’re a smart, savvy shopper. We get that. You don’t visit the airport when you need to book a trip, you use TripAdvisor.com or Expedia.com. Car insurance is no different. We’ll help you quickly figure out who offers the best car insurance in Illinois for your smart, savvy self.

We are carrier-neutral because our customer is you. Have no fear of the unknown after reviewing the data points provided here, especially when purchasing car insurance for the first time. You will be armed and prosperous! And then you can get on with your life. We get that, too. So, let’s do this…quickly!

Illinois Auto Insurance Rates

You’re on the go and don’t have time to answer our questions. Don’t worry, we’ve still got you. Below are the top three auto insurance companies in your state, all things considered (see the full list).

  1. COUNTRY Financial
  2. The Hartford
  3. State Farm

Some things considered. Where can I find the cheapest car insurance in Illinois? Which insurance company offers the best coverage? Which is the most popular in my area? Who has the most rejected claims or repeat business?

Click on your city to compare auto insurance rates where you live! Don’t see your city listed? Start comparing rates instantly.

Legalities 101

You’re on your way to finding a great car insurance rate, but what else do you need to know? Illinois auto insurance comes with its own unique set of laws. You are not only a smart, savvy shopper but a good citizen, so we have outlined the most important driving and insurance laws in Illinois for you.

Illinois Driving Laws

  1. Don't drink and drug and drive
  2. Don't cell phone and drive
  3. Don’t anything-that-might-cause-distracted-driving and drive
307
Fatal Accidents Testing Positive for Drug Involvement in Illinois
292,437
Annual Distracted Driving Related Crashes in Illinois
28
Years in Illinois Prison for Vehicular Homicide Caused by a Drunk Driver

One

Driving in Illinois with a blood alcohol content (including that from medications) at or below the set limits WILL put you at risk of being arrested for driving under the influence. The consequences are real, and they are as harsh as you would suspect. Visit our FAQ to learn the limits and possible consequences of a DUI conviction or refusal to submit a chemical test.

Two

Texting and driving in Illinois can also have extreme consequences. Watch this video with your family to understand that what we often think is just a safe, quick glance could mean permanent damage, our own death or even homicide. The fact is, a one-second glance away from the road is what the Journal of Adolescent Health has deemed safe, but the average text message takes five seconds. You wouldn’t drink and drive, so don’t text and drive either.

Three

While it might seem like all of these driving laws go without saying, the statistics tell us otherwise. SmartFinancial encourages you to avoid all non-driving activities while driving. Keep yourself, your passengers and other drivers safe by limiting your road activities strictly to driving while driving.

Do it because it’s your social responsibility, and because Oprah said so! Take the “no phone zone” or #itcanwait pledge and share this information with your social networks.

Driving Green

With more than 305,842 miles of scenic road to cover, there is a large amount of driving being done in Illinois. Here’s how you can do your part to “drive green.”

  • Smog

    If your vehicle is registered in certain zip codes in these Northeastern Illinois counties, get your emissions testing done every two years. All others are exempt.

  • Littering

    Avoid fines, highway litter control and/or jail time by not breaking the Illinois littering laws.

  • Clean Air Cars

    Pay no more than $18 per registration year to renew your electric vehicle license plates in Illinois. Click here for more information. Electric and diesel-powered vehicles are also exempted from emissions testing. Check with your chosen auto insurance company about green vehicle discounts!

    For more information on Illinois’ efforts (and nationwide efforts) to promote hybrid and electric vehicles, visit www.ncsl.org.

Car Insurance Laws

Being a Minimalist

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In Illinois, you are legally required to obtain liability insurance and uninsured motorist coverage. Both are for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passengers in another vehicle (whether or not the other driver is insured or is underinsured). Liability coverage pays up to the amounts listed below.* It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

Since Illinois is a “fault” or “tort” state, your carrier will pay for accident damages only once you are found responsible for causing the accident. You can also be sued by the other driver if found at fault. Consider this: $20,000 is the maximum payment for property damage in Illinois but you collide with a $35,000 vehicle. If you are found at fault, you are on the hook for any damages beyond $20,000. Between this and the high cost of medical care, we recommend you carry more than the minimum required coverage!

*Uninsured or underinsured motorist insurance requires a minimum motorist bodily injury coverage (max. payout) of $25,000 per person and $50,000 total per accident. This does not cover property damage.

$ 25,000
Bodily injury coverage per person

Max. payment for a single person that you injure in an auto accident.

$ 50,000
Bodily injury coverage per accident

Max. payment for all injuries that you cause in an accident when more than one person is hurt.

$ 20,000
Property damage per accident

Max. payment for damaged property in an accident caused by you.

Maximizing your Return on Investment

While not legally required, drivers can also elect to carry full coverage insurance. For more information, read the SmartFinancial blog 10 Things to Consider when Shopping for a New Auto Insurance Policy.

Since you are smart and savvy, you should know that there are instances where your lender will require you to carry one of the optional coverages listed below (typically collision and comprehensive).

Optional coverage in Illinois

  • Comprehensive
  • Collision
  • Gap Coverage
  • Loan/Lease Payoff
  • Medical Payments and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Towing
  • Uninsured Motorist Property Damage
  • Windshield Replacement

*Coverage for those who cannot afford or have otherwise been denied) auto insurance in Illinois is available through the Illinois Automobile Insurance Plan (ILAIP). For a list of requirements, visit ILAIP’s website.

Illinois car insurance companies

COUNTRY Financial
The Hartford
State Farm
Erie Insurance
American Family
Grange Insurance
Farmers
Nationwide
Allstate
Liberty Mutual
Automobile Club Group
GEICO
Progressive
MetLife
The Hanover
Safeco Insurance
Esurance

*Ratings for the North Central Region (Illinois, Indiana, Michigan, Ohio, and Wisconsin) in order of consumer rating as documented in the J.D. Power 2016 U.S. Auto Insurance Study, which examined five key customer service areas: interaction, policy offerings, price, billing process and policy information, and claims. USAA is an insurance provider open only to U.S. military personnel and their families, and therefore, is not included in the rankings.

Car Insurance FAQ

Will my credit score be used to obtain car insurance in Illinois?

Yes and, unfortunately, car insurance companies in your state do not have to reveal to you how they are going about setting your rate. Here are a few things you can do to keep your rate down.

Is there a good-driver discount in Illinois?

It is always best to ask you selected car insurance company about good-driver and other discounts to obtain cheap auto insurance in Illinois! Possible discounts include:

  • Good driver
  • Good student
  • Multi-car
  • Homeowner’s
  • Defensive driver
  • Anti-theft
  • Safety device

For more ways to obtain cheap car insurance in Illinois, visit the Illinois Department of Insurance website.

Can I use my digital insurance card in Illinois?

Yes! Thanks to Bill SB1775, getting pulled over in Illinois is slightly less panicky since you don’t have to locate the hard copy of your insurance card for the officer. BUT, be mindful of unlocking your phone to access your digital insurance card before the officer has determined whether you were cell-phoning and driving!

What is uninsured motorist coverage and is it required in Illinois?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs. It is a required coverage in Illinois!

What happens if I don’t have insurance or my coverage lapses?

Since liability insurance is a minimum requirement in your state (and most others), there are penalties for being caught driving without it. The fines are as high as $1,000 according to the Illinois Secretary of State, so don’t take the chance!

What are Illinois' blood alcohol concentration (BAC) percentages limits under the driving under the influence (DUI) laws?

It is illegal for an individual to operate a motor vehicle in Illinois with the following BAC percentages:

.08%+ @ 21 years old or older
.04%+ for commercial vehicle drivers
.01%+ @ < 21 years old

What are the chemical test refusal penalties in Illinois?

Refusal to submit to a chemical test leads to a 12 month driver’s license suspension in Illinois on the first offense, 36 months in subsequent offenses.

What are the consequences of being convicted of a DUI in Illinois?

If convicted of a DUI, say goodbye to being financially savvy, and quite possibly, to your freedom. If arrested, you’ll face varying degrees of jail time, fines, driver’s license suspensions, community service, DUI school and reinstatement requirements. The financial obligations extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, SR-22 filing and the installation of an Ignition Interlock Device (IID) to serve as a breathalyzer test each time you start your vehicle.

For more information on Illinois’ drinking and driving laws, refer to the Illinois State Police website.

What is uninsured motorist coverage and is it required in Illinois?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs. It is an optional coverage!

13%
Uninsured drivers in Illinois
12%
Uninsured drivers Nationwide

Compare Illinois Car Insurance Rates Instantly.

Start here
Welcome to
Illinois
Land of Lincoln