Illinois Auto Insurance

There are hundreds of Illinois auto insurance companies companies and their prices can vary greatly. Some factors the IL insurance companies use to set the cost include:

• Age, gender, and marital status - Studies have shown certain groups of drivers such as young single males have more accidents. A higher chance of loss means more premium.
• Coverage amount limits - The more insurance coverage you buy, the higher the auto premium will be.
• Driving record - Drivers with accidents and tickets usually pay higher premiums than those with good driving records.
• Household driving information - The ages and driving records of other drivers in your household may affect the premium. Most auto insurance policies cover family members while driving your car. You may jeopardize your coverage if you withhold this information.
• Location - Since heavily populated areas have more traffic, thefts, and vandalism, city drivers may pay higher premiums than rural drivers.
• Type of vehicle - Certain vehicles cost more to insure because they're more likely to be damaged in an accident, cost more to repair, or are frequently stolen.
• Use of vehicle, how far you drive to work, and annual mileage - Drivers who commute long distances or drive more miles per year may pay more than those who commute shorter distances and drive fewer miles per year.
• Credit history - Companies may consider your financial stability and charge higher premiums based on your financial status (i.e., credit card history, amount of credit, how timely you pay your bills, etc.).

Illinois law requires 20/40/15 coverage
The state requires bodily injury limits of at least $20,000 per person per accident, $40,000 total per accident and property damage limits of at least $15,000 per accident.

• Bodily Injury (BI) - Pays for costs due to injury or death to a pedestrian(s) or person(s) in another car. It may also cover your passengers' injury costs as long as they aren't members of your household.
• Property Damage (PD) - Pays for damage to another person's car or property such as fences, buildings, utility poles, signs, and trees.

Auto Insurance Companies in IL

Illinois's licensed insurance companies include some of the nation's well known brands such as Farmers Insurance, AIG, USAA Auto, Mercury Insurance, Allstate, Nationwide, AAA, 21st Century and Safeway. These car insurance companies in IL and others will provide you with any personal insurance no matter if you are high risk or low risk credit.

Behind on your bills? Check out our partner site Illinois Credit Card Relief.