Best Illinois Car Insurance Companies

Many auto insurance companies in the state of Illinois claim they are the best, and with so many factors and variables to consider, numerous companies compete for the top spot. Depending on what you are looking for, different companies may provide the best policies, discounts, and services to fit your needs. If you are looking for the best car insurance policy, your research starts with Illinois Auto Insurance. Shopping around to different companies is one of the best ways to save money, and with the tools and resources here, you are on your way to finding the best policy available for you.

A few of the major considerations people have when purchasing a car insurance plan include cost, customer service, financial strength, services offered, and more. Looking into all of these things, the top insurance companies in Illinois, on average, can be found here.

Best Car Insurance Companies In Illinois

As an Illinois driver, you should know that over 300,000 vehicle crashes occur in the state and each year, at least since 2015. Around 20% of these accidents resulted in injury or death. There are 8.5 million licensed drivers in the state, meaning a lot of people are driving at any given point. Finding the best auto insurance company for you in Illinois can be done utilizing the reviews on this website. You should also check the Illinois Department of Insurance to make sure the company’s license is in good standing. 

After finding out that information, use the tools on this site to get a free quote for auto insurance with them. Compare prices, policies, and customer service to find a policy that is best suited for your needs. Some companies specialize in high-risk drivers, other specialized in teen drivers, and there are numerous companies that offer unique services and discounts. Some of the top auto insurance providers in the state of Illinois include USAA, Auto-Owners Insurance, Allstate, Shelter.

Average Car Insurance Cost In Illinois

Not every car insurance policy is right for every driver, but if you are getting an automobile insurance quote from a company that is a lot higher than the average, make sure to look into free quotes at Illinois Auto Insurance from other car insurance providers as well. You want to make sure you are getting the best deal possible for your automobile insurance plan. Many factors and variables are used when determining what a person pays for car insurance in the state, so costs for premiums can vary from one company to the next.

One company that is known for inexpensive auto insurance. They tend to be cheaper on average for good drivers, as well as for students. People who have low credit can often find good deals at auto insurance provider Travelers.

Auto Insurance Discounts In Illinois

The average costs a person will pay for car insurance in the state of Illinois can vary depending on many factors. For drivers who are 25 years old, as an example, the average annual rate is somewhere between $1,000 and $1,500, depending on the area. Drivers who are 60 years of age can see insurance rates around $1,000 or more as well, and people with low credit scores often see higher rates on average than those with high credit scores. Having an accident history also affects the average pricing they pay, with policies between $1,400-$1,600 or more.

Many companies offer car insurance discounts that you can get in the state. This includes discounts for bundling your automobile insurance plan with other types of insurance, like homeowners insurance, life insurance, and others. Discounts can be rewarded for good students, having a clean driving record, having a high credit score, or having been active in the Armed Forces. If you have been in the military, make sure to ask about military discounts. USAA is a well-known company that provides insurance policies to members of the military, former members of the military, and their families.

State Minimum Insurance Requirements For Illinois

Every state has minimum requirements for car insurance. The minimum limits, or minimum amount of insurance required by the state of Illinois, is $25,000 per person for bodily injury liability coverage, $50,000 per accident for bodily injury liability coverage, and $20,000 per accident for property damage liability coverage. The state of Illinois also requires drivers to carry uninsured and/or underinsured motorist coverage.