{"id":4566,"date":"2021-10-14T21:14:41","date_gmt":"2021-10-14T21:14:41","guid":{"rendered":"https:\/\/www.cars.com\/?page_id=4566"},"modified":"2022-02-21T22:44:33","modified_gmt":"2022-02-21T22:44:33","slug":"best-car-insurance-companies-in-illinois","status":"publish","type":"page","link":"https:\/\/live.cars.com\/explore\/insurance\/best-car-insurance-companies-in-illinois\/","title":{"rendered":"Best Car Insurance Companies in Illinois"},"content":{"rendered":"\n<section id=\"page-heading\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group sds-page-section__header news-index-header\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"sds-breadcrumb wp-block-list\"><li><a class=\"\" href=\"https:\/\/www.cars.com\">Home<\/a><\/li><li><a href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies\/\">Insurance<\/a><\/li><li>5 Best Car Insurance Companies in Illinois for 2022<\/li><\/ul>\n\n\n\n<section class=\"author-content-container\">\n  <div class=\"author-content\">\n    <div class=\"author-content-byline\">\n      <a class=\"sponsor-logo\" href=\"https:\/\/money.com\" rel=\"sponsored\">\n        <img decoding=\"async\" alt=\"Money.com logo\" src=\"https:\/\/images.cars.com\/cldstatic\/wp-content\/uploads\/money.com_.png\">\n      <\/a>\n      <div>Sponsored by Money.com<\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h1 class=\"sds-heading--display wp-block-heading\" id=\"5-best-car-insurance-companies-in-illinois-for-2022\">5 Best Car Insurance Companies in Illinois for 2022<\/h1>\n<\/div><\/section>\n\n\n\n<section id=\"zip-module\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"ca-widget\" data-token=\"u8c5cc74cf4d\"><\/div>\n<script async=\"\" defer=\"\" src=\"https:\/\/www.consumersadvocate.org\/embeds\/embedder.js?v=1\"><\/script>\n<\/div><\/section>\n<\/div><\/div>\n<\/div><\/section>\n\n\n\n<div class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<section id=\"insurance-intro\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\">With more than 8.5 million licensed drivers in the state, having the best car insurance is paramount for Illinois drivers. In 2020, Illinois implemented more than a dozen new driving laws, including several related to distracted driving.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These new laws bring hope for increased alertness among Illinois drivers. The reality is that accidents happen, and drivers can protect themselves and their vehicles by finding the right car insurance company.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Always compare companies when searching for the right car insurance. You can do that by obtaining quotes from several insurers via the comparison tool below.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ve researched several data points to bring you the top insurers in Illinois. Keep reading to learn more about the best insurance companies in Illinois for 2022.<\/p>\n<\/div><\/section>\n\n\n\n<section id=\"map-section\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"ca-widget\" data-token=\"t174dc032879\"><\/div>\n<script async=\"\" defer=\"\" src=\"https:\/\/www.consumersadvocate.org\/embeds\/embedder.js?v=1\"><\/script>\n<\/div><\/section>\n\n\n\n<section id=\"The-Best-Car-Insurance-in-New-Jersey\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"where-to-get-the-best-car-insurance-in-illinois\">Where to Get the Best Car Insurance in Illinois<\/h2>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li><strong>Best for Customer service:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u08dd6da253c\" target=\"_blank\" rel=\"noreferrer noopener\">Allstate<\/a><\/li><li><strong>Best for Customization:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u4afe0eeb2ff\" target=\"_blank\" rel=\"noreferrer noopener\">Progressive<\/a><\/li><li><strong>Best for Coverage Add-Ons:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u73d8b1586e2\" target=\"_blank\" rel=\"noreferrer noopener\">Liberty Mutual<\/a><\/li><li><strong>Best for Digital Tools:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u9fa659e564b\" target=\"_blank\" rel=\"noreferrer noopener\">Esurance<\/a><\/li><li><strong>Best for Discounts:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/d1f2d42cf2d5\" target=\"_blank\" rel=\"noreferrer noopener\">American Family<\/a><\/li><\/ul>\n<\/div><\/section>\n\n\n\n<section id=\"Allstate\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"compare-auto-insurance-companies-in-illinois\">Compare Auto Insurance Companies in Illinois<\/h2>\n\n\n\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-for-customer-service-allstate\"><strong>Best for Customer Service:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u08dd6da253c\" target=\"_blank\" rel=\"noreferrer noopener\">Allstate<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Allstate is known for its top-notch customer service. Along with 24\/7 phone support, you can also get help through local agents, and digitally through online account access and Allstate\u2019s mobile app.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Allstate also makes filing an insurance claim a breeze through its handy digital tools. You can start the claim process before leaving the scene of the incident. Allstate lets you file claims online or through the mobile app, submitting photos of vehicle damage if needed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Allstate\u2019s app makes it easy to track your claim throughout the process, too.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Statewide Average Premium in Illinois:<\/strong><br>The average premium for Illinois drivers through Allstate is $60 per month. This is significantly lower than the statewide average across all insurers. The average auto insurance premium in Illinois is $558 for a six-month policy, or $93 a month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Keep in mind the amount will vary based on the city you live in and your driver profile.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Options:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Collision<\/li><li>Comprehensive<\/li><li>Liability<\/li><li>Medical payments<\/li><li>Uninsured motorists<\/li><li>Underinsured motorists<\/li><li>Sound system<\/li><li>Roadside assistance<\/li><li>Personal injury protection<\/li><li>Personal umbrella<\/li><li>Rental reimbursement<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discounts:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Antilock brake discount<\/li><li>Antitheft device discount<\/li><li>Multiple policy discount<\/li><li>Early signing discount<\/li><li>Responsible payer discount<\/li><li>Smart student discount<\/li><li>New-car discount<\/li><li>EZ pay plan discount<\/li><li>Allstate eSmart discount<\/li><li>Pay-in-full discount<\/li><li>Safe driving club discount<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer Satisfaction Rating:<\/strong> 830<br>The J.D. Power 2020 U.S. Auto Insurance Study is the gold standard in measuring customer satisfaction in every region of the U.S. Some states are large enough to count as their own region. Illinois falls under the North Central region along with Indiana, Michigan, Ohio and Wisconsin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In 2020, Allstate ranked ninth (a score of 830 out of 1,000) in customer satisfaction in the North Central region, slightly above the regional average.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Strength Rating:<\/strong> A+<br>The Allstate Insurance Co. received an A+ (superior) financial strength rating from AM Best, a trusted credit rating agency. Financial strength ratings measure an insurance company\u2019s ability to meet contractual obligations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bb<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u08dd6da253c\" target=\"_blank\" rel=\"noreferrer noopener\">Get a Car Insurance Quote From Allstate<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"Progressive\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-for-customization-progressive\"><strong>Best for Customization:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u4afe0eeb2ff\" target=\"_blank\" rel=\"noreferrer noopener\">Progressive<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Over 20 million Americans trust Progressive with their car insurance needs. This is in part due to the ability to customize your insurance coverage through the insurance company. Progressive\u2019s Name Your Price Tool lets you say how much you want to pay, and then the company shows you coverage options that fit your budget.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Progressive is also known for its plethora of discounts. There are discounts for almost every driver, from discounts for bundling with other insurance products to discounts for being a good driver. Progressive\u2019s Snapshot program personalizes your rates based on how well you drive.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Statewide Average Premium in Illinois:<\/strong><br>The average premium for Illinois drivers through Progressive is $39 per month. This is significantly lower than the statewide average across all insurers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Options:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Liability coverage<\/li><li>Comprehensive<\/li><li>Collision<\/li><li>Uninsured motorist<\/li><li>Underinsured motorist<\/li><li>Medical payments<\/li><li>Loan\/lease payoff<\/li><li>Rental car reimbursement<\/li><li>Custom parts and equipment value<\/li><li>Ride-hailing coverage<\/li><li>Roadside assistance<\/li><li>Deductible savings bank<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discounts:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Multipolicy discount<\/li><li>Multicar discount<\/li><li>Continuous insurance discount<\/li><li>Safe driver discount<\/li><li>Teen driver discount<\/li><li>Good student discount<\/li><li>Distant student discount<\/li><li>Homeowner discount<\/li><li>Online quote discount<\/li><li>Sign online discount<\/li><li>Paperless discount<\/li><li>Pay-in-full discount<\/li><li>Automatic payment discount<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer Satisfaction Rating:<\/strong> 824<br>Progressive ranked 15th (a score of 824 out of 1,000) in customer satisfaction in the North Central region of the J.D. Power 2020 U.S. Auto Insurance Study.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Strength Rating:<\/strong> A+<br>Progressive received an A+ (superior) financial strength rating from credit rating agency AM Best. A+ is the highest rating possible from AM Best and signifies that Progressive is known for holding up its end of the deal with its customers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bb<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u4afe0eeb2ff\" target=\"_blank\" rel=\"noreferrer noopener\">Save on Car Insurance With Progressive<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"Liberty-Mutual\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-for-coverage-add-ons-liberty-mutual\"><strong>Best for Coverage Add-Ons:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u73d8b1586e2\" target=\"_blank\" rel=\"noreferrer noopener\">Liberty Mutual<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">While Liberty Mutual\u2019s rates are higher than average, it offers tons of valuable add-on coverages to meet various insurance needs. There\u2019s special coverage for rental cars, teachers, gap coverage and more. There\u2019s extra coverage for almost everyone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Liberty Mutual is also a top choice because of its annual policies. Most insurers base rates on six-month periods. Liberty Mutual locks in your rates for 12 months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Statewide Average Premium in Illinois:<\/strong><br>The average premium for Illinois drivers through Liberty Mutual is $146 per month. This is significantly higher than the statewide average across all insurers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Options:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Liability coverage<\/li><li>Personal injury protection<\/li><li>Bodily injury liability<\/li><li>Property damage<\/li><li>Medical payments<\/li><li>Comprehensive<\/li><li>Collision<\/li><li>Liberty Mutual Deductible Fund<\/li><li>Lifetime repair guarantee<\/li><li>New car replacement<\/li><li>Better car replacement<\/li><li>Towing and labor (24-hour roadside assistance)<\/li><li>Gap coverage<\/li><li>Original parts replacement<\/li><li>Teachers car insurance<\/li><li>Insurance for driving in Mexico<\/li><li>Uninsured motorist<\/li><li>Rental car reimbursement<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discounts:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Homeowner discount<\/li><li>Military discount<\/li><li>Early shopper discount<\/li><li>Good student discount<\/li><li>Student-away-at-school discount<\/li><li>Advanced safety features discount<\/li><li>Alternative energy discount<\/li><li>Antitheft device discount<\/li><li>Accident-free discount<\/li><li>Violation-free discount<\/li><li>RightTrack discount<\/li><li>Multipolicy discount<\/li><li>Multicar discount<\/li><li>Preferred payment discount<\/li><li>Pay-in-full discount<\/li><li>Online purchase discount<\/li><li>Paperless policy discount<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer Satisfaction Rating:<\/strong> 816<br>Liberty Mutual ranked 18th (a score of 816 out of 1,000) in customer satisfaction in the North Central Region of the J.D. Power 2020 U.S. Auto Insurance Study.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Strength Rating:<\/strong> A<br>Liberty Mutual received an A (excellent) financial strength rating from credit rating agency AM Best. An A rating is the second-highest rating you can receive from AM Best.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bb<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u73d8b1586e2\" target=\"_blank\" rel=\"noreferrer noopener\">Customize Your Car Insurance Policy With Liberty Mutual<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"Esurance\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-for-digital-tools-esurance\"><strong>Best for Digital Tools:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u9fa659e564b\" target=\"_blank\" rel=\"noreferrer noopener\">Esurance<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Esurance is an online-only insurance company fully backed by parent company Allstate. Because it exists online, Esurance has made a name for itself by providing a pain-free digital experience for its customers. From its highly rated mobile app to online account access, Esurance delivers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can easily view your policy, file and track claims, pay your bill, retrieve your insurance ID card and contact roadside assistance, all from your mobile phone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Statewide Average Premium in Illinois:<\/strong><br>The average premium for Illinois drivers through Esurance is $58 per month. This is significantly lower than the statewide average across all insurers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Options:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Collision<\/li><li>Comprehensive<\/li><li>Emergency roadside assistance<\/li><li>Rental car<\/li><li>Loan\/lease gap insurance<\/li><li>Medical payments<\/li><li>Personal injury protection<\/li><li>Bodily injury liability<\/li><li>Property damage liability<\/li><li>Uninsured motorist<\/li><li>Underinsured motorist<\/li><li>Uninsured\/underinsured motorist property damage<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discounts:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Antilock brake discount<\/li><li>Antitheft device discount<\/li><li>Multiple policy discount<\/li><li>Early signing discount<\/li><li>Responsible payer discount<\/li><li>Smart student discount<\/li><li>New-car discount<\/li><li>EZ pay plan discount<\/li><li>DriveSense mobile app discount<\/li><li>Pay-in-full discount<\/li><li>Safe driving club discount<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer Satisfaction Rating:<\/strong> 820<br>Esurance ranked 16th (a score of 820 out of 1,000) in customer satisfaction in the North Central Region of the J.D. Power 2020 U.S. Auto Insurance Study.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Strength Rating:<\/strong> A+<br>Esurance received an A+ (superior) financial strength rating from credit rating agency AM Best. Much of its financial stability and ability to meet contractual obligations is because it falls under the Allstate umbrella of companies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bb<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/u9fa659e564b\" target=\"_blank\" rel=\"noreferrer noopener\">Protect Your Car Today<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"American-Family\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-for-discounts-american-family\"><strong>Best for Discounts:<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/d1f2d42cf2d5\" target=\"_blank\" rel=\"noreferrer noopener\">American Family<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">American Family Insurance rates are higher than the state average, but the company makes up for it by offering a laundry list of potential discounts for customers. Like other insurers, American Family offers discounts for bundling insurance products, safe driving and insuring more than one vehicle. You can also get discounts for being a loyal customer, switching over from a competitor or if you are a low-mileage driver.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Young drivers also save with American Family. The insurance company offers a handful of discounts specifically for individuals younger than25. There\u2019s even a discount for younger drivers if their parents are American Family customers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Statewide Average Premium in Illinois:<\/strong><br>The average premium for Illinois drivers through American Family is $129 per month. This is higher than the statewide average across all insurers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coverage Options:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Collision<\/li><li>Comprehensive<\/li><li>Property damage liability<\/li><li>Bodily injury liability<\/li><li>Medical expense<\/li><li>Personal injury protection<\/li><li>Gap coverage<\/li><li>Uninsured motorist<\/li><li>Underinsured motorist<\/li><li>Rental reimbursement<\/li><li>Emergency road service<\/li><li>Accidental death and dismemberment<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Discounts:<\/strong><\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Auto safety equipment discount<\/li><li>Away-at-school discount<\/li><li>Loyalty discount<\/li><li>Defensive driver discount<\/li><li>Early-bird discount<\/li><li>Generational discount<\/li><li>Good driving discount<\/li><li>Good student discount<\/li><li>KnowYourDrive discount<\/li><li>Low-mileage discount<\/li><li>Multiproduct discount<\/li><li>Multicar discount<\/li><li>Steer-into-savings discount<\/li><li>Teen safe driver discount<\/li><li>Young volunteer discount<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customer Satisfaction Rating:<\/strong> 827<br>American Family ranked 14th (a score of 827 out of 1,000) in customer satisfaction in the North Central Region of the J.D. Power 2020 U.S. Auto Insurance Study.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financial Strength Rating:<\/strong> A<br>American Family Insurance received an A (excellent) financial strength rating from credit rating agency AM Best. This marks 18 years in a row the insurance company has achieved at least an A rating through AM Best.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bb<\/strong> <a href=\"https:\/\/www.consumersadvocate.org\/pr\/d1f2d42cf2d5\" target=\"_blank\" rel=\"noreferrer noopener\">Save on Your Auto Insurance<\/a><\/p>\n<\/div><\/section>\n\n\n\n<section id=\"How-We-Chose\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"how-we-chose-the-best-car-insurance-options-in-illinois\">How We Chose the Best Car Insurance Options in Illinois<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We considered several factors when rating the best car insurance companies in Illinois.<br>The average Illinois rates are well below the national average, but it&#8217;s always good to research companies that offer competitive pricing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We compared the average insurance premiums of individual insurers against the state average. We also weighed important items like coverage, features, discounts, customer satisfaction and financial stability to determine the state\u2019s best insurance companies.<\/p>\n<\/div><\/section>\n\n\n\n<section id=\"What-You-Need-to-Know\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"what-you-need-to-know-about-illinois-required-coverage\">What You Need to Know About Illinois Required Coverage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The state of Illinois requires all motor vehicle owners to carry at least the following minimum amounts of auto liability insurance coverage:<\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>$25,000 bodily injury liability per person<\/li><li>$50,000 bodily injury liability per accident<\/li><li>$20,000 property damage liability per accident<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Your auto lender may also require you to carry physical damage insurance coverage.<\/p>\n\n\n\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"what-if-i-can-t-afford-insurance-in-illinois\">What If I Can\u2019t Afford Insurance in Illinois?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Unfortunately, Illinois doesn\u2019t sponsor any programs for low-income drivers who can\u2019t afford the minimum auto insurance requirements. There is an Illinois Auto Insurance Plan, but it&#8217;s specifically for people who don\u2019t qualify for standard coverage through insurers because of their driving record.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can lower your insurance costs by asking for discounts, maintaining a good driving record, improving your credit and choosing a vehicle that costs less to insure.<\/p>\n\n\n\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"what-if-you-re-a-high-risk-driver-in-illinois\">What If You\u2019re a High-Risk Driver in Illinois?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Illinois offers a state-sponsored auto insurance program for high-risk drivers who don\u2019t qualify for insurance coverage because of their driving record. To be eligible for the <a href=\"http:\/\/www.aipso.com\/il\">Illinois Auto Insurance Plan<\/a>, you must:<\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>Be turned down for auto insurance from other auto insurers<\/li><li>Have a valid driver\u2019s license (or be eligible to get one)<\/li><li>Have no outstanding debts from prior insurance coverage during the past 36 months<\/li><li>Have a vehicle that\u2019s considered safe to drive<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Keep in mind that insurance premiums through state-sponsored programs may be higher than you would find at other auto insurance companies. As you maintain a good driving record, you should eventually qualify for insurance through another vendor.<\/p>\n\n\n\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"what-are-illinois-laws-regarding-noninsurance\">What Are Illinois\u2019 Laws Regarding Noninsurance?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There are several possible outcomes if you drive a car without insurance in Illinois. If you are caught driving without insurance in Illinois, you could face:<\/p>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li>License plate suspension<\/li><li>$500-plus fine for driving uninsured<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Illinois drivers are also subject to a fine of $1,000 or more if caught driving a vehicle while its license plates are suspended for a previous violation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your license plates are suspended, you will need to prove you purchased liability insurance before they are reinstated. Also, there is a $100 fee to get your license plates reinstated.<\/p>\n<\/div><\/section>\n\n\n\n<section id=\"Final-Thoughts\" class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"sds-heading--2 wp-block-heading\" id=\"final-thoughts\">Final Thoughts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When shopping for car insurance, take time to research and gather quotes from several insurance companies. Your rates are determined by several factors, including where you live, the vehicle you drive and your driving history.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Take things like deductibles, available discounts, customer service and digital tools into consideration when choosing an insurer. Determine your insurance needs and then find a company that fits.<\/p>\n<\/div><\/section>\n\n\n\n<div id=\"Disclaimer\" class=\"wp-block-group ticss-57262c78 sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"sponsored-disclaimer\">\n<a class=\"sponsor-logo\" href=\"https:\/\/money.com\" rel=\"sponsored\">\n<img decoding=\"async\" alt=\"Money.com logo\" src=\"https:\/\/images.cars.com\/cldstatic\/wp-content\/uploads\/money.com_.png\">\n<\/a>\n        <div>This advertisement was sponsored by <a href=\"https:\/\/money.com\" rel=\"sponsored\" target=\"_blank\" aria-describedby=\"audioeye_new_window_message\">Money.com<\/a>. Cars.com reporters and reviewers do not participate in the creation of sponsored articles.<\/div>\n      <\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<section class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/how-much-is-car-insurance\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t<img width=\"750\" height=\"533\" data-public-id=\"wp\/editorial\/sponsored-best-car-insurance-companies-in-pennsylvania-for-2021\/sponsored-best-car-insurance-companies-in-pennsylvania-for-2021.jpg\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.carsdn.co\/images\/w_750,h_533,c_scale\/f_auto,q_auto\/v1621545515\/wp\/editorial\/sponsored-best-car-insurance-companies-in-pennsylvania-for-2021\/sponsored-best-car-insurance-companies-in-pennsylvania-for-2021.jpg?_i=AA\" class=\"sds-card__photo__image wp-image-4561\" alt=\"\" data-format=\"jpg\" data-transformations=\"f_auto,q_auto\" data-version=\"1621545515\" data-seo=\"1\" data-responsive=\"1\" \/>\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">How Much Is Car Insurance? Average Car Insurance Cost in 2022<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n\n\n<div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-warranty-companies\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t<img width=\"750\" height=\"485\" data-public-id=\"wp\/editorial\/ConsumerAdvocate-warranty-article\/ConsumerAdvocate-warranty-article.jpg\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.carsdn.co\/images\/w_750,h_485,c_scale\/f_auto,q_auto\/v1630015453\/wp\/editorial\/ConsumerAdvocate-warranty-article\/ConsumerAdvocate-warranty-article.jpg?_i=AA\" class=\"sds-card__photo__image wp-image-4574\" alt=\"\" data-format=\"jpg\" data-transformations=\"f_auto,q_auto\" data-version=\"1630015453\" data-seo=\"1\" data-responsive=\"1\" \/>\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">7 Best Car Warranty Companies of 2022<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n\n\n<div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/how-much-does-an-extended-car-warranty-cost\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t<img width=\"750\" height=\"533\" data-public-id=\"wp\/editorial\/sponsored-extended-car-warranty-cost\/sponsored-extended-car-warranty-cost.jpg\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets.carsdn.co\/images\/w_750,h_533,c_scale\/f_auto,q_auto\/v1621545505\/wp\/editorial\/sponsored-extended-car-warranty-cost\/sponsored-extended-car-warranty-cost.jpg?_i=AA\" class=\"sds-card__photo__image wp-image-4571\" alt=\"\" data-format=\"jpg\" data-transformations=\"f_auto,q_auto\" data-version=\"1621545505\" data-seo=\"1\" data-responsive=\"1\" \/>\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">How Much Does an Extended Car Warranty Cost?<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n\n\n<div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-motorcycle-insurance-companies\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">5 Best Motorcycle Insurance Companies of 2022<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n\n\n<div class=\"sds-card sds-card--news expert-review-card-wrapper latest-news-card\">\n  <a class=\"sds-card__link\" data-activity-rule-type=\"page-over-page\" data-linkname=\"news-article\" href=\"https:\/\/www.cars.com\/explore\/insurance\/how-much-is-motorcycle-insurance\/\">\n    <div class=\"sds-card__media\">\n      <figure class=\"sds-card__photo\">\n        <div class=\"sds-container__media\">\n        \t\n\t\t\t\t<\/div>\n      <\/figure>\n    <\/div>\n    <div class=\"sds-card__desc\">\n      <div class=\"sds-card__header\">      \n        <div class=\"sds-card__label\">money<\/div>\n        <div class=\"sds-card__title sds-heading--5\">How Much Is Motorcycle Insurance? Average Motorcycle Insurance Cost in 2022<\/div>\n      <\/div>\n\t\t\t<section class=\"news-card-byline\">\n\t    <\/section>\n    <\/div>\n  <\/a>\n<\/div>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-group sds-page-section\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"sds-heading--3 wp-block-heading\" id=\"best-insurance-by-state\">Best Insurance by State:<\/h3>\n\n\n\n<ul class=\"sds-list sds-list--unordered wp-block-list\"><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-california\/\">California<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-florida\/\">Florida<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-michigan\/\">Michigan<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-new-jersey\/\">New Jersey<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-pennsylvania\/\">Pennsylvania<\/a><\/li><li><a rel=\"sponsored\" href=\"https:\/\/www.cars.com\/explore\/insurance\/best-car-insurance-companies-in-texas\/\">Texas<\/a><\/li><\/ul>\n<\/div><\/section>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Home Insurance 5 Best Car Insurance Companies in Illinois for 2022 Sponsored by Money.com 5 Best Car Insurance Companies in Illinois for 2022 With more than 8.5 million licensed drivers in the state, having the best car insurance is paramount for Illinois drivers. In 2020, Illinois implemented more than a dozen new driving laws, including <a href=\"https:\/\/live.cars.com\/explore\/insurance\/best-car-insurance-companies-in-illinois\/\" class=\"entry__more-link\">[&hellip;]<\/a><\/p>\n","protected":false},"author":1,"featured_media":4567,"parent":4034,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_crdt_document":"","inline_featured_image":false,"_cloudinary_featured_overwrite":false,"footnotes":""},"class_list":["entry","entry--4566","entry--type-page","entry--status-publish","entry--author-knesbit","has-post-thumbnail"],"acf":[],"_links":{"self":[{"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/pages\/4566","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/comments?post=4566"}],"version-history":[{"count":0,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/pages\/4566\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/pages\/4034"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/media\/4567"}],"wp:attachment":[{"href":"https:\/\/live.cars.com\/index.php\/wp-json\/wp\/v2\/media?parent=4566"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}