In addition, Illinois sends out insurance verification questionnaires at random and then verifies your answers with your insurance company. Uninsured motorist insurance covers the policyholder's expenses after an accident if the other driver doesn't have insurance or doesn't have enough coverage to pay for the damages. If, instead, you're looking for a policy that balances quality with affordability, MoneyGeek also ranked the top Illinois auto insurance companies. Therefore, in the event of an accident, anyone who drives a car with the owner's consent and under their insurance will be covered.
The insurer you choose can also affect your premiums, as some insurers may place more importance on some aspects, such as your credit rating, compared to others. If Illinois drivers don't take out at least the minimum amounts of car insurance coverage required by Illinois law, they may face penalties for driving without insurance. While the minimum car insurance requirements in Illinois are predefined, they are not intended to be a limit on the amount of coverage you can or should get. Even though car insurance is mandatory in Illinois, an average of 14% of the state's drivers don't have car insurance.
These prices are just estimates based on the rates of an average Illinois driver and should not be used to compare insurance prices. Searching and comparing quotes between providers is one of the best ways to find the cheapest insurance rates in Illinois. Minimum car insurance in Illinois refers to the minimum level of insurance you must legally have. For example, both collision insurance and comprehensive insurance cover damage to the policyholder's car.
If you're interested in getting a car insurance quote in Illinois, contact your American Family Insurance agent to discuss what type of protection best fits your needs and what discounts may apply in your region. Instead of PIP insurance, Illinois insurance companies offer medical payment insurance (sometimes called MedPay), which helps pay hospital bills resulting from a car accident. People who have model cars or want their families to be insured but don't have a license can take out car insurance in Illinois. MedPay is similar to PIP insurance in that they both manage your medical bills even if you cause a car accident.