Illinois Car Insurance
(Quotes, Cost & Coverage)

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IL Car Insurance

Illinois Car Insurance ⋆ Quotes, Cost & Coverage

If you are like any of the thousands of drivers on the road every day, then it is likely that you or someone in your household has obtained Illinois car insurance to both satisfy the legal liability requirements of the Illinois, as well as to protect your vehicle, the occupants, and other peoples autos and property.

While getting a IL auto insurance quote is a fairly easy process, especially with the convenience of online shopping, many people still do not understand exactly what types of car insurance are available and how the types differ. Here we'll discuss the main car insurance policy types and optional coverages and also go over examples of what the coverage options insure. This way, the next time you request a Illinois car insurance quote, you will be better equipped to make an informed decision.

What Does Illinois Car Insurance Cover?

Auto insurance covers three types of liabilities, or losses. They are:

  1. Property - damage to or theft of vehicles.
  2. Liability - the policyholders liability, or legal obligation for the property or bodily injury of others when the driver is at fault.
  3. Injury - the medical treatment, long term care, loss of wages, or even funeral expenses of anyone who is injured in an accident.

Illinois requires that drivers have liability insurance. Illinois car insurance policies generally are renewed on a biannual or annual basis.

Illinois car insurance has many coverages - so it's important to research the options, see what IL requires and what coverages are optional, and how each can protect you in the vent of an accident or other loss. IL auto insurance policies contains at least one or more of the following specific types of coverage and each option is priced separately (this is not an exhaustive list):

Bodily Injury Liability: This type of car insurance coverage protects the policy holder as well as any other drivers listed on the policy by covering medical costs for injuries caused to other motorists. Oftentimes, people will increase the minimum coverage to protect their other assets in the event that an injured motorist sues for additional damages because your automobile insurance will pay up to the limits on the policy - you are out of pocket for expenses that exceed those limits.

Medical Payments or Personal Injury Protection: Should injury to the policy holder or any other occupants of the insured vehicle occur in an accident, this portion of the auto insurance policy will cover the medical bills, lost wages and funeral costs. This option is also known as PIP (Personal Injury Protection).

Property Damage Liability: Property damage liability is the most common type of coverage option and one which is required by law. It covers damage caused by the policy holder (or anyone permitted to drive the insured vehicle) to another vehicle or other type of property such as signs, fences, telephone poles, buildings, etc.

Collision: This type of coverage offers protection for the policy holders vehicle if damage occurs as a result of an collision with another vehicle, object, or even if your vehicle ends up flipping over. Damages caused by potholes are also covered under collision coverage. Even if the policy holder is at fault, collision insurance will cover the repair for damages minus the deductible amount. If the policyholder is not at fault, the insurance company will attempt to recover the costs paid to its policyholder through the other motorists insurance company and if successful, will also reimburse its policyholders' paid deductible amount too.

Comprehensive: Comprehensive insurance covers the cost of theft of the vehicle or damages/repairs caused by anything other than another vehicle or object. Damages such as those caused by fires, natural disasters, bombs, vandalism, or collisions with animals such as deer. This option also covers shattered or cracked windshields. Both collision and comprehensive coverage are usually optional however if a car is leased, many times the lender will require this type of coverage in addition to liability.

Uninsured and Underinsured Motorist Coverage: If an accident occurs with an uninsured driver or if the other driver does not have sufficient coverage to pay for the full extent of damages, uninsured and underinsured motorist coverage will cover the outstanding expenses. This option also protects the policyholder if involved in a hit and run accident or if hit while a pedestrian.

Gap Insurance: This protects you if your car is totaled and you owe more on the loan or lease than the insurance company pays out. It is usually taken on cars that are 3 years old or less.

Rental Reimbursement: This coverage pays for a rental car if your auto is in the repair shop following a covered comprehensive or collision claim.

Roadside Assistance (Towing & Labor): Much like AAA, this coverage offers a jump start, gas delivery, a flat tire change, even the services of a qualified locksmith of you break down.

What Illinois Car Insurance Doesn't Cover

Also know as exclusions, which remove risk from the insurer, car insurance typically does not cover:

What Are Illinois's Financial Responsibility Requirements?

According to the IL Department of Motor Vehicles:

In Illinois, liability insurance is mandatory for drivers of cars, vans, motorcycles, recreational vehicles, trucks, and buses. But just how much do you need?

What Are the Minimum Liability Insurance Requirements for Private Passenger Vehicles?

Minimum Insurance Requirements - You must carry both Bodily Injury and Property Damage insurance. The state requires you to have at least:

How Does IL Enforce These Laws?

There are two ways that the state verifies you are insured: When you are pulled over: If you are stopped by a law enforcement officer for a traffic violation or if you are involved in a car accident, you can be ticketed if you are not able to supply proof of insurance. If you are convicted, not only will your license plates be suspended, but you will also have to pay fines:

How Much Does Illinois Car Insurance Cost?

How much does Illinois car insurance cost? The average price of auto insurance varied widely based on certain factors. The premiums vary depending on the company and their underwriting rules, and it depends on the coverages and deductible selected. Following are some of the main factors that go into the price of a policy:

And Illinois car insurance premiums after a DUI/DWI will always cost more.

IL Auto Insurance Quotes

Illinois Insurance

Request a Illinois Car Insurance quote in Arlington Heights, Aurora, Bartlett, Belleville, Berwyn, Bloomington, Bolingbrook, Buffalo Grove, Carol Stream, Carpentersville, Champaign, Chicago, Cicero, Crystal Lake, DeKalb, Decatur, Des Plaines, Downers Grove, Elgin, Elmhurst, Evanston, Glenview, Hanover Park, Hoffman Estates, Joliet, Lombard, Moline, Mount Prospect, Naperville, Normal, Oak Lawn, Oak Park, Orland Park, Palatine, Park Ridge, Peoria, Plainfield, Quincy, Rock Island, Rockford, Romeoville, Schaumburg, Skokie, Springfield, Streamwood, Tinley Park, Urbana, Waukegan, Wheaton, Wheeling and all other cities in IL.

Illinois Insurance Rules And Regulations

There are regulations governing insurance in IL that you should be aware of that cover both business and personal insurance. These include the limits associated with certain types of insurance as well as the actual regulations that govern these insurance categories - as well as regulatory agencies. Let's take a close look at the regulations for insurance in Illinois.

Illinois Business Insurance

The first type of insurance that we will discuss is Illinois business insurance. The most common type of business insurance is called General Liability. Liability insurance protects businesses in a number of ways, but the main way that you can think of this type of insurance is as coverage for when someone brings a lawsuit against you for something that happens on your premises. So, for example, if someone were to slip and fall on a freshly-mopped floor within your store, then you might be responsible for their injuries. Liability insurance protects you in instances like these.

However, there are some types of business insurance that are required by law. The first is standard in almost every state, and it is known as Worker's Compensation insurance. In some states, you have to have a certain number of employees before you are required to carry this type of insurance, but in Illinois, if you employ at least one person either full-time or part-time, you have to have Workees comp.

IL Personal Insurance

There are a couple of different types of personal insurance that are regulated by law in Illinois that you need to be concerned with. The first is auto insurance. Any private individual that operates a motor vehicle must carry liability insurance on that vehicle with certain limits reached. The insurance companies are already aware of these limits and the insurance that they offer provides them. The limits are $25,000 per person with a total maximum payout of $50,000 per accident. In addition, there must be another additional $25,000 provided for property damage.

There are also some regulations governing life insurance in Illinois that you should be concerned with. Life insurance is regulated under Title 215 in the State of Illinois Statutes. One regulation is that Illinois residents are given a minimum period of 10 days to evaluate the life insurance. You can cancel at any time during these 10 days and receive a full refund. In addition, insurance companies must provide a guarantee of death and claim payment as well as cash value. Finally, insurance companies must provide a timely payment of claims and keep your medical information private.


If you are looking for state specific car insurance quotes, costs and information: California Car Insurance, Colorado Car Insurance, Delaware Car Insurance, Florida Car Insurance, Illinois Car Insurance, Kentucky Car Insurance, New Jersey Car Insurance, New York Car Insurance, Oregon Car Insurance, Pennsylvania Car Insurance, Texas Car Insurance, Washington Car Insurance.

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