Personal factors, such as your driving history and the number and type of claims you've filed, can also affect the amount of car insurance in Illinois. Bankrate's insurance editorial team, which includes three licensed insurance agents, also analyzed the data to determine the average cost of car insurance in Illinois in several categories, including several cities and various age groups, genders, credit rating levels, driving records and vehicle types. For example, having a speeding ticket will increase your car insurance by 27 percent on average in Illinois, while having a DUI could increase your rate by an average of 86 percent. Buying Illinois minimum liability auto insurance coverage is the easiest way to meet the financial responsibility requirement.
Learn more about when to cancel optional coverage and penalties for driving without insurance in Illinois to make sure you're paying for the coverage you need. See NerdWallet's guide to car insurance requirements by state to learn more about your policy coverage options in the Land of Lincoln. The consequences of driving without insurance are ultimately more costly than buying minimal car insurance coverage. If you borrow a car from someone who lives in their own home, it must be listed on the car owner's policy.
To find cheap car insurance for seniors, drivers in their 60s should be sure to compare prices to find the best rate. Aside from that, the best way to reduce your car insurance costs is to compare the rates of at least three insurance companies. The table below shows the other auto insurance companies available that offer auto insurance in Illinois, along with their average cost per month and their average annual cost. Bankrate's criteria for identifying the cheapest auto insurance in the state include companies that offer average rates lower than the Illinois average rate for car insurance with minimum and full coverage.
However, insuring a BMW 330i could mean paying much more than the average cost of car insurance in Illinois.