The best way to get cheap car insurance is to compare prices and quotes. Mercury and Geico are the cheapest Illinois car insurance companies for good drivers, among the companies we analyzed. The Illinois Department of Insurance is responsible for monitoring insurance companies and handling consumer complaints. Conversely, if another driver is legally responsible for an accident, you can file a claim against their liability insurance.
We used a Ford Mustang for the above quotes, but car insurance costs can still vary greatly depending on the car model. By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than they did in their teens and 20s. Collision insurance pays for damage to your car after you hit another car or a stationary object. The analysis included 5 to 10 of the largest insurance companies in each state; smaller insurers were also included when rates were available.
While people in their 60s have cheaper car insurance rates than many other age groups on average, prices will start to increase as they age. Although they're not required, consider taking out comprehensive and collision insurance if you have a valuable car. There are several factors that significantly affect the cost of car insurance in Illinois, including the city where you live. For even more help finding cheap car insurance in Illinois, try NerdWallet's car insurance comparison tool.
The coverage required in Illinois doesn't offer any coverage for damage to your own car in many situations.