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Illinois Car Insurance Quote

The state motto of Illinois is "state sovereignty, national union." In Illinois, state laws are highly valued, and, like all states, Illinois has a law about car insurance. If you are going to drive in Illinois, you must be insured. Chances are you would like to save money on your car insurance, and that is where comes into play. We offer you a convenient website where you can get a car insurance quote and compare the services offered by many different companies, so you can make the right decision about your car insurance, finding the best coverage for your needs at the lowest possible price. We offer you quotes from only the most trusted Illinois car insurance companies. To get started on your quote, either click on your city or give us your zip code.

In 2003 the average Illinois resident paid around $846 for car insurance annually, which is in comparison to the national average of around $914 per year. Unfortunately, this number is higher than it should be, because most Illinoisans are under the false assumption that their insurance premium cost is predetermined by the insurance companies and the state regulations. We are able to offer you competitive rates when you shop with us at, so let us help you find the most affordable policy for your unique needs.

In 2007 the experts believe that car insurance rates will see their first decrease since 1999, and this decrease will be between .5% and 1%. To ensure that you get part of this savings, you need to shop sites like to avail yourself of the comparison opportunity. Enter your zip code into the box above to start the quote process.

While 2007 is bringing a decrease in premium cost, most years bring an increase. In 2002, for example, the average cost was $802, which means that between 2002 and 2003, insurance rates increased around 5.49%! Make sure that you are not being charged unfairly for your car insurance by getting your quote from today.

When shopping for car insurance in Illinois, keep in mind that you will have to meet the minimum requirements set in the state law. The Prairie State follows a tort system. Under the state law a driver must be proven to be at fault for an accident before being charged with any expenses or damages from that accident. The best way to know for sure what system your state follows is to check with the state insurance regulator in your state. You can find a list of these agencies on our State Insurance Regulators page, with links to each one's website.

The basic coverage you must have to drive in Illinois is sometimes referred to as 20/40/15 coverage. This refers to the fact that you must have Bodily Injury Liability coverage of at least $20,000 per person and $40,000 per accident for any accident. You also must have Property Damage Liability coverage with a $15,000 minimum. Illinois also requires that you have an Uninsured/Underinsured Motorist coverage with a minimum of $20,000 per person and $40,000 per accident. This coverage will pay for any injury you or your passengers experience because of a driver who is uninsured.

There are other coverage options your insurance carrier will likely offer you that are not required by law. For example, you may be offered Personal Injury Protection, or PIP. This coverage option will pay for any medical expenses you or your passengers have as a result of an accident, even if you are at fault.

No matter what type of Illinois insurance you are considering, if you want to save money then you need to purchase your policy using the services here on All you need to do to find your policy is enter your zip code, and we will present you with quotes from the best insurance providers in just a few moments. If you are shopping for insurance information in another state, choose your state from the list below. We offer the same services for residents of all states. Give us your zip code, and we will prepare your quote right now. If you prefer, you can read more about your state by choosing the correct link below.
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